Russell Capital Mortgage

Loan programs

Every path to the closing table.

Choose a program to open a short guided journey. Each one ends with an estimated payment and a document checklist.

Purchase

Buy your next home with a fast, credible pre-approval.

  • • Reviewed pre-approval
  • • Wholesale pricing
  • • Offer-ready letters
Start journey

Refinance

Lower your rate, shorten your term, drop mortgage insurance.

  • • Rate & term analysis
  • • Break-even math
  • • No-cost options
Start journey

Cash-Out

Turn equity into renovation money, debt payoff, or reserves.

  • • Up to 80% LTV
  • • Debt consolidation
  • • Fast appraisals
Start journey

VA Loan

$0 down, no mortgage insurance, earned benefits honored.

  • • $0 down financing
  • • No monthly MI
  • • Funding fee guidance
Start journey

FHA

Flexible credit and as little as 3.5% down.

  • • 3.5% down
  • • Credit-friendly
  • • Gift funds allowed
Start journey

Conventional

The classic loan, priced sharply through wholesale lenders.

  • • 3% down options
  • • Removable PMI
  • • Best-in-class pricing
Start journey

USDA

Zero-down financing in eligible Arizona communities.

  • • $0 down
  • • Low guarantee fee
  • • Eligibility check
Start journey

Jumbo

Financing above conforming limits with white-glove handling.

  • • Loans to $3M+
  • • Interest-only options
  • • Asset depletion
Start journey

Investment

DSCR and conventional financing for rental portfolios.

  • • DSCR programs
  • • No income docs
  • • LLC vesting
Start journey

Second Home

Vacation and seasonal properties across Arizona.

  • • 10% down options
  • • Second-home pricing
  • • Flagstaff to Sedona
Start journey

HELOC

A flexible line of credit behind your low first mortgage.

  • • Draw as needed
  • • Fast closings
  • • Interest-only draws
Start journey

Construction

One-time close financing for building or major renovations.

  • • One-time close
  • • Draw management
  • • Renovation loans
Start journey

Let's get you to the closing table.

Start your application online at your own pace, or talk to a licensed advisor first. Either way, your next step stays clear.