# David The Mortgage Guy ## Posts - [Buying Your First Home in Phoenix and the West Valley: Down Payment Help, FHA, VA and New Builds](https://davethemortgageguy.loans/first-time-home-buyer-phoenix/): What a first home costs around Phoenix in 2026, the down payment programs open in Maricopa County, how FHA, conventional and VA compare, and what HOA dues and CFD charges add on West Valley new builds. - [Conventional Loans in Phoenix: 2026 Requirements, Builder Credits and How to Drop PMI](https://davethemortgageguy.loans/conventional-loans-phoenix/): What it takes to get a conventional loan in the Phoenix area in 2026, from credit and debt to income rules to 3% down options, builder and seller credit limits, PMI removal and when FHA is the better deal. - [Self Employed Home Loans in Phoenix: How Lenders Read Your Business Income in 2026](https://davethemortgageguy.loans/self-employed-home-loans-phoenix/): How lenders read self employed income in 2026 for Schedule C, S corporation and partnership owners, with a Peoria example, the K1 distribution rule and when a bank statement loan is worth the higher rate. - [DSCR Loans in Phoenix: Qualify a Rental on Its Rent, with West Valley and Phoenix Numbers](https://davethemortgageguy.loans/dscr-loans-phoenix/): How Phoenix area investors qualify a rental on its rent, with three local examples that show what HOA dues and CFD charges do to the ratio, typical lender requirements and the Maricopa County rules for landlords. - [The Bank Said No. We Got Him Approved Anyway - Using His Assets, Not His Income.](https://davethemortgageguy.loans/asset-depletion-mortgage/): An asset depletion mortgage converts your retirement and brokerage accounts into qualifying income without liquidating anything. Here's how the math works, who it fits, and where it stops working. - [Cash to Close Is Not The Same As Closing Costs - Where Most Buyers Get Burned](https://davethemortgageguy.loans/cash-to-close-vs-closing-costs/): Closing costs and cash to close are two different numbers, and most buyers don't find that out until the worst possible moment. Here's how to plan for it early. ## Pages - [DSCR Loans](https://davethemortgageguy.loans/dscr-loans/) - [Ask Me A Mortgage Question](https://davethemortgageguy.loans/ask-me-a-mortgage-question/): Not quite ready to book a call? Share your question or situation below, and I’ll email you an answer within 1 business day. - [Opt-out preferences](https://davethemortgageguy.loans/opt-out-preferences/) - [Rent vs Buy Cost Calculator](https://davethemortgageguy.loans/rent-vs-buy-cost-calculator/) - [Cash to Close Estimator](https://davethemortgageguy.loans/cash-to-close-estimator/) - [Purchase](https://davethemortgageguy.loans/purchase/) - [Refinance](https://davethemortgageguy.loans/refinance/) - [Blog](https://davethemortgageguy.loans/blog/) - [Thank You](https://davethemortgageguy.loans/thank-you/): We’ve received your information, and we’re excited to help you explore your home loan options! - [Compare Mortgage Options](https://davethemortgageguy.loans/compare-mortgage-options/) - [VA Home Loans](https://davethemortgageguy.loans/va-home-loans/): VA home loans may offer $0 down, competitive rates, and no monthly mortgage insurance for eligible veterans and military families. - [USDA Loans](https://davethemortgageguy.loans/usda-loans/): Affordable Homeownership in Rural Communities! - [Self-Employed Borrowers](https://davethemortgageguy.loans/self-employed-borrowers/): Qualify with financing designed for real world income. - [Reverse Mortgage](https://davethemortgageguy.loans/reverse-mortgage/): A reverse mortgage may help eligible homeowners age 62 or older access home equity as cash without required monthly mortgage payments - though you must continue to pay your property taxes, insurance, and HOA dues. - [Renovation and Construction Loans](https://davethemortgageguy.loans/renovation-and-construction-loans/): Build or Renovate Your Dream Home with the Right Financing! - [Refinance Loans](https://davethemortgageguy.loans/refinance-loans/): Lower Rates, Better Terms, More Savings! - [Non QM Loans](https://davethemortgageguy.loans/non-qm-loans/): Flexible Mortgage Solutions Beyond Traditional Limits! - [Jumbo Loans](https://davethemortgageguy.loans/jumbo-loans/): Higher Loan Limits, Bigger Opportunities! - [ITIN Loans](https://davethemortgageguy.loans/itin-loans/): Homeownership Without a Social Security Number! - [Investment Property Financing](https://davethemortgageguy.loans/investment-property-financing/): Build Wealth Through Smart Real Estate Investments! - [HELOC](https://davethemortgageguy.loans/heloc/): Unlock the financial flexibility of your home’s equity with a Home Equity Line of Credit (HELOC). - [First-Time Homebuyer / DPA Loans](https://davethemortgageguy.loans/first-time-homebuyer-dpa-loans/): Making Homeownership More Affordable! - [FHA Home Loans](https://davethemortgageguy.loans/fha-home-loans/): Low down payments and flexible credit guidelines designed to help first-time buyers and growing families achieve affordable homeownership with confidence and long-term stability. - [Conventional Home Loans](https://davethemortgageguy.loans/conventional-home-loans/): Competitive rates and flexible terms for buyers and homeowners with strong credit, ideal for primary residences, second homes, and investment properties. - [Cash-Out Refinance](https://davethemortgageguy.loans/cash-out-refinance/): Turn Your Home Equity Into Cash! - [Bank Statement Loans](https://davethemortgageguy.loans/bank-statement-loans/): Bank statement loans may help self employed borrowers qualify using 12 to 24 months of bank deposits instead of tax returns. - [Adjustable-Rate Mortgages](https://davethemortgageguy.loans/adjustable-rate-mortgages/): Lower Initial Rates, Flexible Terms, and Smart Home Financing! - [Home](https://davethemortgageguy.loans/): With access to 100+ lenders and years of experience, I help you understand your options and choose the right mortgage with confidence. - [Apply Now](https://davethemortgageguy.loans/apply-now/) - [Mortgage Calculator](https://davethemortgageguy.loans/mortgage-calculator/): Estimate your full monthly housing payment, loan cost, and payoff timeline. ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/davethemortgageguy.loans/mcp) [comment]: # (Generated by Hostinger Tools Plugin)