When it's time for a Quote - it's QuoteTime. LOW RATES. LENDER CREDIT paying closing costs (if available). I have 31+ years' experience originating over 13,000 loans in AZ and I have access to all available purchase and refinance programs: Conventional, FHA, FHA Streamlines, VA, VA Interest Rate Reductions, USDA, Jumbos, First Time Home-buyers, Down Payment Assistance…