Whether you’re buying your first home or refinancing, I’m here to guide you every step of the way. Based in Arizona and licensed in AL, AZ, TX, GA, OR, MA, MO, PA, TN, and VA, I offer expert advice, personalized home loan options, and fast approvals across the Grand Canyon State. Let’s make your mortgage journey smooth, stress-free, and successful. Contact me today!
Loan Originator
NMLS #1605655
Discover why clients choose Bianca Jacobs for their mortgage needs.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Enjoy flexible financing with competitive rates, ideal for Arizona homebuyers looking for reliable options with straightforward terms. These programs accommodate a range of down payments and credit profiles, helping you secure a mortgage that aligns with your budget and long-term plans. I’m here to guide you through every detail so you can move forward with confidence and make your dream home a reality.
Take advantage of low down payment options and more flexible credit requirements, making homeownership accessible for first-time buyers and those rebuilding credit. These government-backed programs help you secure affordable financing with competitive rates while providing extra support throughout the process. I’m here to simplify each step so you can confidently move into your new home with peace of mind.
Benefit from exclusive financing options designed for veterans, active-duty service members, and eligible military families. Enjoy zero down payment, no private mortgage insurance, and competitive interest rates that make owning a home more affordable. I’ll guide you through the process with care and expertise so you can take full advantage of the well-deserved benefits you’ve earned through your service.
Secure financing for high-value homes that exceed conventional loan limits, ideal for luxury properties or competitive markets in Arizona. These programs offer flexible terms and tailored solutions to meet your unique financial needs, whether you’re buying a primary residence, second home, or investment property. I’ll work closely with you to navigate the details and ensure a smooth, successful closing on your exceptional home.
Find financing options that recognize the unique income situations of entrepreneurs, freelancers, and business owners. These programs use alternative documentation like bank statements or profit and loss statements to help you qualify without traditional income verification. I’ll help you explore flexible solutions so you can secure the right mortgage and move forward with your homeownership plans confidently.
Access flexible mortgage options tailored for unique financial situations, including recent credit events, high debt-to-income ratios, or unconventional income sources. These programs go beyond traditional guidelines to help you secure financing that suits your needs when standard loans fall short. I’ll guide you through the available solutions so you can achieve your homeownership goals with confidence and clarity.
Qualify for a home loan using your bank statements instead of traditional tax returns, perfect for self-employed individuals and business owners with non-traditional income. These programs make it easier to demonstrate your ability to repay while offering flexible terms tailored to your financial situation. I’ll walk you through every step so you can secure financing that supports your unique path to homeownership.
Expand your real estate portfolio with financing designed for purchasing or refinancing rental homes, vacation properties, or other investment opportunities. These programs offer competitive rates and flexible terms to help you maximize returns while building long-term wealth. I’ll provide expert guidance to ensure your investment strategy aligns with your goals and sets you up for lasting success.
Open the door to homeownership in the United States with programs designed for non-citizens and individuals using an Individual Taxpayer Identification Number. These solutions make it possible to buy property without a Social Security number, offering flexible requirements and personalized support. I’ll help you navigate the process confidently so you can secure your new home with ease.
Take advantage of opportunities to lower your interest rate, reduce monthly payments, or access your home’s equity for major expenses. Refinancing can help you improve your financial situation, pay off your mortgage faster, or switch to a program that better suits your goals. I’ll guide you through your options to ensure you make the best choice for your needs and future plans.
Tap into your home’s equity to access cash for renovations, debt consolidation, education costs, or other major expenses. This option lets you refinance your existing mortgage for a larger amount and receive the difference in cash, often with competitive rates. I’ll help you explore your options so you can use your home’s value to strengthen your financial future.
Explore mortgage solutions crafted for borrowers with unique circumstances that fall outside standard guidelines. Whether you have irregular income, recent credit challenges, or unconventional employment, these programs offer flexible terms designed to help you secure the financing you need. I’ll work with you to find the right path to homeownership, no matter your financial story.
Finance the construction of your dream home or fund major renovations to transform your current property. These programs offer flexible options to cover building costs, upgrades, or repairs, helping you create a space that fits your vision. I’ll guide you through every step so your project stays on track and your financing supports your goals from start to finish.
Make homeownership more affordable in eligible rural and suburban areas with benefits like zero down payment and reduced mortgage insurance costs. These government-backed programs are designed to support buyers with moderate incomes looking to settle outside city centers. I’ll help you navigate the process so you can take advantage of this opportunity to purchase a home with confidence and ease.
First-Time Homebuyer Programs make getting your first home more accessible with reduced down payments, closing cost assistance, and special incentives. Whether you qualify for FHA loans, USDA loans, or state-specific programs, Bianca Jacobs is here to simplify the process and help you choose the program that matches your goals. Let’s take the stress out of buying your first home together!
Unlock flexible access to your home’s equity with a revolving line of credit that lets you borrow funds as you need them. Perfect for covering home improvements, education costs, or unexpected expenses, HELOCs offer competitive rates and the convenience of drawing funds over time. I’ll help you understand your options so you can make the most of your home’s value with confidence.
Take advantage of lower initial interest rates that can make monthly payments more affordable during the early years of your mortgage. ARMs adjust over time based on market conditions, offering flexibility that may suit short-term plans or future income growth. I’ll help you weigh the pros and cons so you can choose the option that best aligns with your goals and timeline.
Finance the purchase or refinance of rental properties and investment real estate with programs designed to help you build long-term wealth. These loans offer flexible terms and competitive rates tailored to meet the unique needs of property investors. I’ll provide expert guidance to ensure your financing supports your strategy and helps you maximize returns on your investment.
With a passion for helping people achieve their homeownership dreams, Bianca Jacobs, known as The Mortgage Homemaker, brings years of experience and dedicated service to every client she works with. Based in Arizona and licensed in multiple states including Alabama, Texas, Georgia, Oregon, Massachusetts, Missouri, Pennsylvania, Tennessee, and Virginia, Bianca specializes in providing personalized home loan solutions that fit each client’s unique needs. She believes in clear communication, honest advice, and guiding clients through every step of the mortgage process so they feel confident and supported from start to finish. Whether you are buying your first home, refinancing, or exploring investment opportunities, Bianca is here to make your mortgage journey smooth, stress free, and successful.
Discover resources that can help you bridge the gap and secure the home you’ve been dreaming of with less upfront cost.
Access programs that provide grants or low interest loans to cover part of your down payment, making it easier to buy a home without draining your savings. I’ll help you find the best options so you can move forward confidently.
Qualify for grants designed for first-time buyers and moderate-income families, reducing what you need to bring to closing and helping you afford your dream home sooner.
Explore forgivable loans that erase your balance if you stay in the home for a set number of years, turning assistance into a gift that helps you build equity faster.
Consider deferred loans that delay repayment until you sell or refinance, giving you the freedom to manage your finances without immediate extra costs.
Take advantage of affordable second mortgages with reduced rates designed to help you cover your down payment and closing costs, making homeownership within reach.
Discover how income, location, or first-time buyer status can open the door to down payment help. I’ll walk you through qualifications so you don’t miss out on valuable resources.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Choosing the right mortgage professional can make all the difference in your home buying or refinancing journey. With years of experience and a personalized approach, I take the time to understand your goals, answer your questions, and guide you through each step of the process. I’m dedicated to finding solutions that fit your unique situation, whether you need down payment assistance, flexible Non-QM options, or traditional financing. My commitment is to make your experience smooth, stress free, and successful so you can move forward with confidence and peace of mind. Let’s work together to turn your homeownership dreams into reality.
Explore detailed answers to common questions about the mortgage programs I offer. Whether you’re buying your first home, refinancing, or investing, these FAQs are designed to give you clear, honest insights so you can move forward with confidence and peace of mind.
A conventional home loan is a mortgage that is not insured by a government agency like the FHA or VA. These loans typically require higher credit scores and larger down payments than government-backed options, but they come with a wide range of term lengths, competitive fixed or adjustable interest rates, and fewer restrictions on the types of properties you can purchase. They’re often the best choice for buyers with strong credit who want flexible financing options.
Choosing a conventional loan can save you money over time with lower interest rates and no upfront mortgage insurance fees if you put down at least 20 percent. They also allow you to avoid certain fees tied to government programs and give you more flexibility in terms of property types, including second homes and investment properties. Conventional loans are ideal if you want straightforward terms, a predictable payment schedule, and the potential to cancel private mortgage insurance once you reach sufficient equity.
An FHA home loan is backed by the Federal Housing Administration and designed to help first-time buyers or those with less-than-perfect credit achieve homeownership. FHA loans require a minimum down payment as low as 3.5 percent, have more flexible credit requirements, and allow higher debt-to-income ratios, making them more accessible than many conventional loans.
FHA loans can help you qualify for a mortgage sooner by lowering the barriers of high credit scores and large down payments. They are also assumable, meaning if you sell your home, the buyer can take over your low-rate mortgage, which can make your property more attractive in the future. An FHA loan provides peace of mind with government backing and supportive options for buyers who may have been turned down elsewhere.
A VA home loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. It is offered exclusively to eligible veterans, active-duty service members, and surviving spouses. VA loans come with powerful benefits like zero down payment, no private mortgage insurance requirement, competitive interest rates, and limited closing costs.
VA loans reward your service by removing many of the barriers to homeownership. They help you buy or refinance with little or no money out of pocket and provide protections like capping certain fees and offering easier qualification standards. VA loans also have flexible options for refinancing and can even help you adapt a home to your physical needs if you are a disabled veteran, making them a comprehensive solution for military families.
A jumbo loan is a mortgage that exceeds the conventional loan limits set by Fannie Mae and Freddie Mac, which vary by county and are adjusted annually. These loans are used to purchase high-value properties and require strong credit, larger down payments, and thorough documentation. Jumbo loans offer flexible terms with both fixed and adjustable rates.
A jumbo loan lets you finance a luxury property or home in an expensive market without splitting your mortgage into multiple loans. They often come with competitive rates for qualified borrowers and can provide the single, streamlined financing you need for high-priced real estate. Jumbo loans are perfect if you have the income and assets to support a larger loan amount and want a simple solution for a unique property.
These mortgage programs are designed for entrepreneurs, freelancers, and small business owners who might not have traditional pay stubs or W-2 forms. Instead, they use alternative documentation such as bank statements, 1099 forms, or profit and loss statements to verify income. These solutions can help you qualify based on your actual cash flow and business earnings.
Traditional underwriting often overlooks self-employed buyers with strong income but complex tax returns. Personalized mortgage solutions allow you to qualify for financing based on the true picture of your earnings, giving you more opportunities to buy a home without unnecessary hurdles. They’re ideal if you want flexible qualification and a lender who understands the unique realities of running a business.
A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who don’t meet conventional or government-backed guidelines. These loans consider alternative forms of income, recent credit events, high debt-to-income ratios, or unique financial profiles that make it difficult to qualify for standard loans.
Non-QM loans offer creative solutions when life doesn’t fit inside traditional boxes. They help you get approved even if you’re self-employed with fluctuating income, recently recovered from a financial setback, or have complex assets. Non-QM loans open doors for many borrowers who deserve a chance to own or refinance a home but are overlooked by rigid lending standards.
What is a Bank Statement Loan?
A bank statement loan allows you to qualify for a mortgage by using your bank deposit history over the past 12 to 24 months to verify income, instead of relying on tax returns or pay stubs. This type of loan is ideal for self-employed individuals whose tax documents may not show their full earning capacity.
Why choose a Bank Statement Loan?
These loans make homeownership possible if your income is steady but not reflected in traditional paperwork. They provide a realistic way to show your ability to repay and offer flexibility for entrepreneurs, gig workers, and independent contractors. A bank statement loan helps you move forward without waiting years for tax returns that match your true income.
What is an Investment Property Loan?
An investment property loan is financing specifically for purchasing or refinancing residential properties intended to generate rental income. These loans have different qualification standards and typically require a larger down payment, but they are tailored to investors’ needs.
Why choose an Investment Property Loan?
Investment loans allow you to build wealth by purchasing properties that can provide ongoing rental income or appreciate over time. They often include options for interest-only payments or programs that factor in potential rental revenue, helping you expand your real estate portfolio with smart, tailored financing.
What is a Foreign National or ITIN Loan?
These are specialized mortgage programs for non-U.S. citizens and individuals who do not have a Social Security number but have an Individual Taxpayer Identification Number. They allow foreign nationals to buy or refinance property in the U.S., using alternative documentation.
Why choose a Foreign National or ITIN Loan?
These programs give non-citizens access to U.S. real estate markets without the need for citizenship or a green card. They help you purchase a vacation home, investment property, or permanent residence, even if you’re building credit or income history in the U.S., providing an inclusive path to homeownership.
What are Refinance Options?
Refinance options let you replace your current mortgage with a new one to improve your financial situation. You can choose rate-and-term refinancing to lower your interest rate or monthly payments, or switch to a different loan type. Refinancing can also shorten your loan term or remove mortgage insurance.
Why choose to Refinance?
Refinancing gives you a chance to reduce your monthly payments, pay off your mortgage faster, or access more favorable loan terms. It can help you adjust your mortgage to fit changing life goals, improve cash flow, or save money over the life of your loan.
What is a Cash-Out Refinance?
A cash-out refinance replaces your existing mortgage with a new, larger loan, giving you the difference in cash. It allows you to tap into your home’s built-up equity to fund expenses like home renovations, debt consolidation, education costs, or investments.
Why choose a Cash-Out Refinance?
A cash-out refinance can turn your home equity into flexible funds to meet your goals without taking out a separate loan. It’s often a lower-cost way to borrow than credit cards or personal loans, with the benefit of a single monthly payment and potentially better rates.
What is a Non-Traditional Loan?
Non-traditional loans include mortgage programs that do not fit standard lending criteria, like Non-QM, bank statement, or ITIN loans. They are designed for buyers with unique financial situations, including inconsistent income, recent credit events, or special documentation needs.
Why choose a Non-Traditional Loan?
These loans make it possible to buy or refinance when traditional programs don’t fit your circumstances. They offer creative solutions with flexible guidelines, giving you a path to homeownership or investment that works with your individual financial story.
What is a Renovation or Construction Loan?
A renovation loan allows you to finance both the purchase and the cost of improvements in a single mortgage, while a construction loan covers the building of a new home from the ground up. These programs typically convert to permanent mortgages once work is complete.
Why choose a Renovation or Construction Loan?
They let you create the home you want by financing upgrades or new builds without paying separately out of pocket. By rolling costs into one loan, you simplify payments and ensure your financing matches your vision, making large projects more affordable and manageable.
What is a USDA Loan?
A USDA loan is a mortgage backed by the U.S. Department of Agriculture, designed for eligible rural and suburban homebuyers. It offers benefits like zero down payment, competitive fixed rates, and reduced mortgage insurance costs.
Why choose a USDA Loan?
USDA loans make homeownership possible in rural areas with minimal upfront costs. They help buyers with moderate incomes purchase homes in less densely populated communities, supporting affordable housing and local growth.
What is a HELOC?
A Home Equity Line of Credit is a revolving line of credit secured by your home’s equity. You can borrow as needed during a draw period, repay, and borrow again, similar to a credit card but with potentially lower interest rates.
Why choose a HELOC?
A HELOC provides flexibility to access funds over time for things like home improvements, emergencies, or education expenses. It’s a convenient way to manage cash flow with interest-only payments during the draw period, making it easier to budget.
What is an Adjustable-Rate Mortgage?
An ARM is a loan with an initial fixed interest rate that adjusts periodically after the fixed term ends. Adjustment frequency, rate caps, and how much the rate can change over time are defined in your loan terms.
Why choose an ARM?
ARMs offer lower initial interest rates than fixed-rate loans, which can reduce monthly payments for the first few years. They’re ideal if you plan to move or refinance before the rate adjusts, giving you potential savings upfront.