01 · Direct access
You work with Anthony.
Questions stay with the person who knows the full scenario.
Anthony Maffei
Mortgage Loan Originator · Branch Manager · NMLS #1539917
10+ Years
Mortgage experience
5.0
Experience.com snapshot
29 States + D.C.
Mortgage licensing
Direct Access
One point of accountability
One person accountable
Your file stays with me. No desk-to-desk handoff.
One point of accountability from the first strategy conversation through closing.
02 · Strategy first
Compare before choosing.
Put payment, cash, equity, term and timing in one comparison.
03 · Through closing
Stay connected.
Keep the financing plan connected to the transaction through closing.
Verified review profile
5.0
★★★★★
Eight Experience.com reviews as of August 20, 2026. Dated snapshot; verify the current profile directly.
Client perspective
“Easy to communicate with; would recommend Anthony and work with him again.”
8 reviewsSee the complete dated snapshot and direct-source links.View all reviews →
Start with the goal
What are you trying to accomplish?
Choose the outcome first. Then compare the financing routes that fit it.
PurchaseBuy a homePayment, cash-to-close and readiness.
RefinanceImprove my mortgagePayment, term, costs and timing.
EquityAccess home equityHELOC, cash-out and equity strategy.
Debt strategyConsolidate debtModel housing and consumer debt together.
Complex incomeHandle a non-standard fileAlternative-documentation scenarios.
InvestmentFinance an investmentRental, DSCR and portfolio strategy.
Three primary lanes
Financing, property and timing should work together.
Three practical ways to work through a property or financing decision.
Residential
Home financing
Purchase, refinance and home-equity guidance.
- Purchase & refinance
- HELOC, cash-out & consolidation
- VA, FHA, jumbo & conventional
Investor & commercial
Property financing
Rental, investor and commercial-property financing.
- DSCR & rental property
- Portfolio strategy
- Commercial financing
California only
Real estate + financing
Separate California real-estate representation.
- California purchase representation
- Financing-aware property review
- Separate DRE-licensed service
Use the numbers first
Don’t guess. Run the analysis.
Compare the current mortgage, a proposed structure and selected consumer debts in one modeled analysis.
Current paymentProposed paymentConsumer debtsMonthly savingsEffective costInterest impact
Run My Analysis →
Mortgage & Debt Analysis
Scenario modeling
Current structure
Proposed structure
Monthly comparisonCalculated
Debt impactModeled
Term / interestCompared
Illustrative interface preview only. The tool uses the information entered by the user; results are estimates and are not a loan approval, quote or commitment to lend.
How I evaluate the structure
A low rate can still sit inside the wrong loan.
The headline rate is only one input. The full structure needs to make sense.
01 · Payment
Compare the real monthly obligation.
Include taxes, insurance, mortgage insurance, HOA and other obligations.
02 · Tradeoffs
Pressure-test the costs.
Compare points, credits, cash to close, reserves and break-even timing.
03 · Property
Keep the real asset in view.
Account for insurance, HOA, appraisal, solar and property-specific details.
Arizona depth. Multi-state reach.
Local market perspective without limiting the financing map.
Arizona is home base. Mortgage origination spans 29 states and Washington, D.C.; real-estate representation is California-only.
Recent mortgage insights
Research the decision before you make it.
Three deeper guides for equity, refinance structure and Arizona purchase planning.
Flagship research
2026 Home Equity & Cash-Out Refinance Report
Equity context, rate considerations and original scenarios for evaluating cash-out decisions.
Read the report →Structure comparison
Cash-Out Refinance vs. HELOC
Compare first-mortgage impact, flexibility, rate exposure, payment structure and costs.
Compare the options →Arizona planning
How Much Arizona Home Fits Comfortably?
Work backward from a comfortable housing target, including taxes, insurance, HOA and cash needs.
Read the Arizona guide →Publicly verifiable identity
Mortgage experience without the call-center experience.
Verify the licensing, affiliation and review sources behind this site.
10+ YearsMortgage lending and branch leadership.
NMLS #1539917Mortgage licensing identifier.
CA DRE #02446311California real-estate salesperson license.
West Capital LendingBranch Manager affiliation.
Start with the scenario
Bring me the numbers. I’ll help you make sense of them.
Buying, refinancing, accessing equity or financing an investment? Start with the facts and work forward from there.