Western National Bank’s Mortgage Lending Department offers the product selection and competitive pricing of a big bank, with the service and special attention you expect from Western National Bank.

Our loan programs have low closing costs, no-pre-payment penalties, and rapid closings. We have the capability to lend throughout Arizona and the country.

Our Mortgage Lending Department is headed by Josh Cook, a veteran of mortgage lending in the Valley. Josh is a Phoenix native that knows the valley housing market and understands what it takes to provide professional service and honest answers.

Mortgage Lending Products | Program

15/20/30 Year Fixed Rate Mortgage

• A mortgage product that provides one interest rate for the entire term of the loan.
• Minimum loan amount is $5,000.
• Single family primary residences and second home properties.

Adjustable Rate Mortgage

Adjustable Rate Mortgages generally have lower starting interest rates (and lower payments) than fixed rate mortgages, tailored for the person who may only stay in a home for a short period of time. Many choose this product to keep their mortgage payments at a minimum during the early years of the loan.

Interest rate is fixed for an initial period of time (three or five years), thereafter payments can increase or decrease over the life of the loan. Rate increases or decreases may be limited over the lifetime of the loan. Adjustments are based on increases or decreases to the index used to set the loan.

Renovation Loans

• 30 year or ARM products
• No prepayment penalties.

Our Renovation Program enable you to finance your improvements based on the completed value of your home. Closing costs can be rolled into the loan.

Construction Loan

Program for the construction of your primary or second home. This program provides the borrower with one loan closing for a loan that will cover the construction of the home and provide permanent financing.

• Single family primary residences or second homes.
• During the 3-12 month construction period interest only is paid on the loan.
• 15-30 year terms available.
• Any equity in lot may be used as cash to close.

Investment Property

• 1-4 family dwelling.
• Contact mortgage officer for details and rates.
• Interest only.

We offer you competitive rates, a friendly staff, and timely turn-around. Our lenders will sit with you and tailor a mortgage that fits your needs and your budget. If you live within the state of Arizona and would like information about our user-friendly mortgage products, please contact us by completing our product inquiry form, or you may call us at (602) 553-7444.