Prospect Mortgage Area Sales Manager in Scottsdale, Arizona
A Wide Range of Lending Needs
As a licensed Prospect Mortgage Area Sales Manager in Arizona (NMLS #240350), Vicki can assist you with your home loan needs, including:
- First-Time Purchase
- Second-Home Purchase
- FHA and VA
- 203(k) Renovation
Vicki welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Vicki has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.
Contact Vicki Johnson Anytime
Feel free to contact Vicki anytime by phone or email for personalized service and expert advice. Vicki will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.
Vicki Johnson is 203(k) Renovation Lending Certified
Vicki is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.
The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.
Vicki values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.
Please contact Vicki Johnson by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!
1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.
For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.
2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
What are people saying about Vicki Johnson?
"Vicki was awesome. I have never bought a house that went so fast and so smoothly as this transaction did. It was a great pleasure working with her and would highly recommend her services to friends and family."
- Bryan G., Waddell, AZ
"Working with Vicki and Dawn was an absolute pleasure! They were great in helping us understand what was best for us by giving us options, and then the time to make our own decision. We had a death in our family during our refi, and the Johnson team was understanding and patient with us as we had to handle that. No stress or pressure but genuine concern. We WILL recommend them to anyone we know! Thanks Vicki, Dawn and the Johnson Team!"
- Ricky P., Phoenix, AZ
"I have worked with Vicki twice now. Both times she has been ahead of the game and is wonderful in communication. She is fantastic to work with!"
- Jennifer K., Pinetop, AZ