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
Waiting Until Spring to Buy a Home Could Cost You: The Real Tradeoff
Waiting Until Spring Could Cost You
A lot of buyers assume spring is the best time to buy because more homes hit the market.
That is true, but it is only half the story.
Spring is also when more buyers return, which often increases competition and reduces leverage. Zillow summarizes this clearly: spring and early summer have the most listings, but also the highest competition.
The spring tradeoff: more choice, less leverage
When competition rises, sellers can be less flexible on price and terms. NAR’s seasonality breakdown also notes spring is typically more competitive, with faster sales and bidding wars becoming more common for desirable properties.
So while spring can offer more selection, you may pay for it in:
More multiple offer situations
Less time to think
Fewer concessions
Tougher negotiations
Why winter and early spring can favor buyers
When fewer buyers are active, the market often feels calmer, and negotiations can be more realistic.
Redfin’s winter buying guide explains that off season conditions can shift in favor of buyers, including more motivated sellers and the potential to negotiate on price, closing costs, or other terms.
NAR’s seasonality perspective also shows that the median days on market is higher in winter than in peak season, which can create more room for negotiation.
The hidden cost of waiting
Waiting is not neutral.
If you wait until the busiest season, you are stepping into the market when sellers often have more leverage. ATTOM’s analysis of the best days to sell a home found that May, February, and April tend to deliver some of the highest seller premiums based on past sales, which is another indicator that peak season can favor sellers.
That does not mean prices always jump in every city. It means the odds of stronger seller leverage often increase as spring demand builds.
What to negotiate before the rush
In a slower season, buyers often have a better shot at negotiating the full deal, not just the price:
Closing cost credits
Repair credits after inspection
Flexible closing timelines
Cleaner appraisal and inspection terms
Those items can reduce your cash to close and lower your risk.
A smart plan if you are financially ready
If you are ready to buy, a practical approach can look like this:
Buy before competition peaks, if the home fits your needs and budget
Negotiate the strongest total deal you can (price plus credits plus terms)
If rates improve later, evaluate refinancing based on break even math, not guesswork
Bottom line
Spring can bring more options, but it can also bring more competition. Zillow and NAR both highlight the seasonality effect: peak season tends to be faster and more competitive, while winter can be slower and more negotiable.
If you want my “buy before the rush” checklist, I can send it.
Sources (general websites):
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