1Rate 7.259% with an APR of 7.416% as of 12/26/2024 4:49 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,639. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Kathryn Bejarano
Sr. Loan Advisor NMLS ID: 554562
Scottsdale, AZ 85251
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Hi! I am so excited to help you with your home lending needs.
I have been in banking for almost 20 years and have found that mortgage is my passion. I love helping my clients create a space to raise their families or build a second home they want to retire in.
Construction lending is my specialty, so if the home you want is not on the market, I can help you build it! Whatever the case may be, I will walk you through the process and offer you the best programs and pricing that fit you and your family.
I am a native of Bullhead City and love northern Arizona. I have a wonderful husband and three adorable boys that keep me busy. When I am not helping clients, you can find me most days sitting in a chair at the baseball fields watching them play.
I can't wait to meet you and guide you through the mortgage process.
Mortgage Specialization
- Construction Loans
- FHA Government Loans
- Fixed-Rate Mortgages
- Jumbo Loans
- Professional Loans
What to Expect
We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.
Please select your lending process
- Purchase a home
- Refinance your home
Pre-qualify & Gather Financials
Submit your financial information and we'll give you a personalized estimate for your loan.
Pre-approval
Once you're pre-approved, we'll coordinate with the escrow or title company
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
Close & Receive your funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
Loan Application
Complete a loan application online, and submit the necessary financial documents.
Appraisal
We'll conduct an appraisal of your property to determine its current value.
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 7.259% | 7.416% 1 |
| 15-Year Fixed | 6.492% | 6.739% 2 |
| FHA 30-Year Fixed | 5.923% | 6.806% 3 |
2Rate 6.492% with an APR of 6.739% as of 12/26/2024 4:49 PM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,090. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.923% with an APR of 6.806% as of 12/26/2024 4:49 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,452. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Sr. Loan Advisor NMLS ID: 554562
Scottsdale, AZ 85251
Let's do the math (the easy way).
Use our home loan calculators to break down the costs of buying a new home. How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.
So, how does getting a mortgage work?
Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.
