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Steve Surkis

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Here at VIP Mortgage, we make your home purchase or refinance experience stress free, simple and informative. Fill out the quick form below to get started or click any of the 3 tabs below to get more information about purchasing a home, refinancing your existing home or learn more about the loan programs we offer here in Scottsdale.

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Whether you're a first-time buyer, a move-up buyer, or a seasoned investor, we understand that buying a home is one of the most important decisions you will make in your lifetime. V.I.P. Mortgage is here to guide you in making the best decision possible. We focus on providing you an enjoyable home buying process and we won't stop working until you are satisfied with your home loan.

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Why choose V.I.P. ?

Want to lower your interest rate? Pay your loan off quicker? Cash in on your home equity? V.I.P. Mortgage will provide you with a comprehensive list of available loans to accomplish your goal. Start the refinance process today by finding out what your home is worth!

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FHA Loans

Ideal for first time home buyers, or buyers with less than perfect credit, an FHA loan is an affordable option with a minimal down payment.

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Conventional Loans

A 30-year or 15-year fixed rate loan offers you stability in knowing that your interest rate will stay the same for the life of the loan.

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VA Loans

Active duty military personnel and veterans can use a VA Loan to purchase a home with NO money down.

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ARM Loans

ARM Loans allow you to fix a low interest rate for 3, 5, 7, or even 10 years, typically providing a lower monthly payment than other loan types.

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Jumbo Loans

Jumbo Loans come in to play when the property cost exceeds the mortgage conforming limit...$417,000 in most parts of the country.

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Reverse Mortgages

A Reverse Mortgage allows seniors the freedom from worrisome debt and monthly mortgage payments without selling their home.

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USDA Loans

A USDA loan (Rural Development Loan) is a government-insured home loan that allows you to purchase a home with NO money down.

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Section 184 Loans

The HUD Section 184 Loan Program is a home mortgage specifically designed for Native American tribal members.

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How Much Down Payment Should You Save?

Oct 21, 2016 Credit

How Much Down Payment Should You Save?

Buying a home is one of the biggest financial commitments you can make and can take years of financial preparation. Saving for a down payment is a vital step in […]

How to prepare Your Finances for A Mortgage

Oct 10, 2016 Mortgage

How to prepare Your Finances for A Mortgage

Making the decision to purchase a home in Scottsdale and obtain a mortgage is an exciting time in your life! And, as such, you want to make sure you have […]

What’s Included in a Monthly Mortgage Payment?

Oct 7, 2016 Mortgage

What’s Included in a Monthly Mortgage Payment?

Making a mortgage payment, for most of us, is set up automatically through our banks and is probably not something that most homeowners give much thought to, after the initial […]

4 Things to Do Before Applying For a Mortgage

Sep 30, 2016 Mortgage

4 Things to Do Before Applying For a Mortgage

Being a Loan Officer in Scottsdale, I love to think of ways to make the loan process easier for my clients. I know that when some people think of obtaining […]

VIP Mortgage Awards

NMLS#208012 AZ: 0914219 / State Licensing NMLS Consumer Access Privacy/Security

© 2016 V.I.P. Mortgage Inc. All Rights Reserved / National Licensing V.I.P. NATIONAL NMLS 145502 AZ: Mortgage Banker License No. BK-0909074, BKBR-0115633, BKBR-0115710, BKBR-0115261, BKBR-0116075, BKBR-0116262, BKBR-0116743, BKBR-0116742,BKBR-0116740, BKBR-0116741, BKBR-0116422 / V.I.P. Mortgage, Inc. does Business in Accordance With Federal Fair Lending Laws. V.I.P. Mortgage Inc. is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. V.I.P. Mortgage Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage Inc. are not coming directly from HUD or FHA.