Wholesale mortgage broker · Yuma, Arizona
One application.
Many lenders.
No surprises at closing.
We shop your loan across multiple wholesale lenders and walk you through every number, in English or Spanish.
Loan programs
The right loan depends on your situation, not a bank's menu
Every program is available for a purchase or a refinance, including FHA Streamline and VA IRRRL options.
Conventional
Steady income and solid credit.
Fannie Mae and Freddie Mac loans for primary homes, second homes, and rentals. Mortgage insurance can come off once you build enough equity.
Learn more FHAFHA
First-time buyers, or credit that's still being rebuilt.
Government-insured financing with flexible credit and debt-to-income guidelines, and a lower down payment requirement than many conventional loans.
Learn more VAVA
Veterans, service members, and eligible surviving spouses.
Backed by the Department of Veterans Affairs, with no monthly mortgage insurance.
Learn more USDAUSDA
Moderate-income buyers in eligible rural and suburban areas.
Guaranteed through USDA Rural Development. Many communities outside city limits qualify. Send us an address and we'll check.
Learn more DSCRDSCR & Non‑QM
Real estate investors and self-employed borrowers.
Qualify on a property's rental income instead of tax returns, close in an LLC, or use bank statements when your returns don't show the full picture.
Learn more HELOCHome equity line
Homeowners who want to keep their first mortgage.
Open a line of credit against your equity for renovations, debt consolidation, or large expenses without refinancing the rate you already have.
Learn moreWhy a broker
A bank offers you its loans. We shop yours.
Blue Reserve Mortgage works with multiple wholesale lenders. One application gets you options a single bank can't offer, and one loan officer stays with you from start to finish.
Tell us your goal
A quick call or the online application. Buying, refinancing, or investing, we start with what you need.
We shop wholesale lenders
Your scenario goes to multiple lenders so you can compare programs and pricing side by side.
You choose the loan
Your loan officer walks you through the Loan Estimate line by line, so you know exactly what you're signing.
Close on schedule
We stay on the file with the lender, title, and your agent until you have the keys.
Calculators
Run the numbers before you call
Estimates only, based on the figures you enter. Your actual rate, payment, and costs depend on your credit, property, and loan program.
Estimated monthly payment
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- Loan amount
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- Principal & interest
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- Property taxes
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- Home insurance
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- HOA dues
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Does not include mortgage insurance (PMI or FHA MIP), which may apply depending on your down payment and program.
Estimated monthly savings
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- Current payment (P&I)
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- New payment (P&I)
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- Closing costs
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- Break-even
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Restarting the clock on a longer term can mean more total interest over the life of the loan, even with a lower payment. Ask about a shorter term.
Principal and interest only. Break-even is closing costs divided by monthly savings.
Our mission is to make homeownership obtainable for every family, with honest answers, straight timelines, and no surprises at the closing table.
The Blue Reserve Mortgage mission
Guides
Learn before you borrow
FAQ
Questions we hear every week
What does a mortgage broker do?
A broker takes one application and shops it across multiple wholesale lenders. You compare programs and pricing, choose the loan that fits, and your loan officer manages the process through closing.
Can you help if I'm self-employed?
Yes. Along with standard documentation, non‑QM options such as bank-statement loans can qualify you using deposits instead of tax returns.
Can I do my loan in Spanish?
Yes. We can walk you through the entire process in Spanish. Some lender documents are only available in English, and we'll explain every one.
Where do you lend?
Blue Reserve Mortgage is based in Yuma and licensed in Arizona, so we work with borrowers anywhere in the state.
Talk to a loan officer
Tell us what you're working on
Send a message and a loan officer will follow up.
- We compare multiple wholesale lenders for you
- English or Spanish, from application to closing
- No cost to ask questions
Prefer to talk? Call
928-750-6064Or choose a loan officer