Mortgage and Loan Information

Home financing can be a critical part of any real estate transaction. Below, you will find some outstanding mortgage information that may be able to help you with the purchase of your next Tucson home.

Hal Timinsky, Envoy Mortgage

For most of us, our mortgage is one of the single largest financial transactions we make. Your choice of mortgage programs, and the licensed Home Mortgage Loan Originator you choose to help you with that decision, can make a world of difference. With a purchase of this size, you want to know that you are in capable hands and that nothing is left to chance. There is just no substitute for professional experience in a transaction of this magnitude!

I have the experience necessary to guide you through the loan process and help you make informed decisions. My services continue long after your loan closes. I am always available to provide you with updated information and loan options, to help ensure your home financing continues to meet your needs.

Specialties: First time home buyers, Move-up buyers. I have over 40 years of lending experience and I help explain how the process works in simple language and design a mortgage that meets your specific needs. I will make sure that your home real estate purchase, refinance, debt consolidation loan process will be stress free.

Terri Mosman, Washington Federal

Washington Federal is a portfolio lender. This means that we hold the note to a homeowner's loan for the entire term. This allows us to make changes like shortening the term, reducing the interest rate or reamortizing a payment after a principal reduction.

We do mini-rehabs and construction remodels for people desiring to purchase a home that needs some work.

Cross-Collateral Bridge Loan - For folks who would otherwise need a contingency, we can leverage the equity in their current home to allow them funds for a down payment and closing costs.

New to Washington Federal! Streamlined Valuations - In some cases we can forego an appraisal to save customers time and money.

Terri Mosman, Branch Manager
NMLSR #507280


Born in Ohio and raised in Tucson, I graduated from Palo Verde HS (Go Titans!) and joined the U.S. Marine Corps after graduation.

Fast forwarding to the present, I’ve had the privilege of working with hundreds of homebuyers as a loan originator over a 7-year span. My persistence, attention to detail, and client-advocate approach is the foundation to my home lending success. Educating and guiding my borrowers through the process is something that I do with great pride.

I chose to come to work for VIP Mortgage as they offer the right mix of integrity, support, products available, and excellent pricing. Customer service is my passion…and I work very hard for your referrals!

Your real estate mortgage resource

Do you have need for home financing services for a Tucson property? If so, please use the simple form below.

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Tucson area real estate and homes for sale are our specialty. Using this mortgage section can help you understand just what it takes to have a successful real estate transaction.


Fernandez Realty LLC
9371 E Walnut Tree Circle • Tucson, AZ 85749
Direct Norma: 480-828-8700 • Direct Dave: 480-828-8686
Fax 520-762-6417
AZ License SA556824000
AZ License SA637520000