Your Local Mortgage Lender
Located in Mesa, Arizona
Personalized Mortgage Experience
Anthony Gallup offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Mesa, Arizona.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Why February Can Be a Smart Month to Buy a Home: Less Competition, More Leverage
Why February Can Be a Smart Month to Buy a Home
Most people assume spring and summer are the best time to buy. More listings, more open houses, more activity.
That is true, but it comes with a trade-off: more buyers.
February tends to be the opposite. It is often quieter, and quiet can create leverage.
February is usually slower, and that can benefit buyers
One of the cleanest signals of a slower market is days on market.
The National Association of Realtors’ seasonality breakdown shows the median days on market drops to about 31 days in June, but rises to about 49 days during December through February.
When homes take longer to sell, sellers are often more open to negotiating instead of waiting for a perfect offer.
Why sellers listing in February can be more motivated
Not every seller is motivated, but many winter listings are not casual.
If someone lists in February, it is often tied to a timeline: relocation, financial changes, or life events. In a slower season, those sellers may prioritize certainty and speed, which can show up as flexibility on terms.
Redfin’s guidance on buying in winter specifically highlights less competition, motivated sellers, and more negotiating power on price, closing costs, or other terms.
What you can negotiate in February
A buyer-friendly month is not only about the purchase price. It is about the total deal.
Here are negotiations that often become more realistic when the market is quieter:
Closing cost credits
Repair requests or repair credits after inspection
A price reduction on a home that has been sitting
A more favorable closing timeline
Zillow also notes winter often brings less competition and more room for negotiation, while spring and early summer have the most listings and the highest competition.
The trade-off: fewer listings
The downside is inventory. Winter often has fewer options than spring.
So the February advantage is not selection. The February advantage is leverage when you find the right fit.
A quick February buyer checklist
If you are considering buying in the quieter months, here is a simple plan:
Know your monthly payment comfort zone before you tour homes
Get fully pre-approved so you can move quickly when the right home appears
Ask for terms early: credits, repairs, timeline, and clean contingencies
Focus on total value, not just list price
A note on “best deals”
Historically, some data points have shown February can be a strong month for bargains. For example, ATTOM published an analysis (based on past sales data) that identified February as a top month for homebuying bargains.
That does not mean every February is the best month in every city. It means the quiet season often creates conditions where deals are more possible.
Bottom line
If you are ready to buy, February can be a smart window: fewer bidding wars, more negotiating leverage, and sellers who may be more flexible on terms.
If you want my February negotiation checklist, I can send it.
Sources (general websites):
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