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Roy Padilla, (NMLS ID 689354)

Roy Padilla

Sr Loan Advisor

NMLS ID: 689354

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

3115 South Price Road Suite 114

Chandler, AZ 85248

About Roy Padilla

I began my retail banking career in 1989 in Phoenix, Arizona, and have been in home lending since the year 2000. My passion is helping families with their short- and long-term mortgage needs. I have helped hundreds of first-time homebuyer clients as well as hundreds of doctors, attorneys, and other private client wealth managment customers. So I am well versed with FHA loans, conventional loans, and niche programs such as doctor home loans and jumbo loans. 

 

I take pride in being a loan concierge to my clients. This means being extra attentive, keeping expanded work hours, working with a smile in my voice, and providing a system of genuine care for what I do. I work with loans everyday, but my clients don't, and I never lose sight of this. So creating an excellent homebuying experience is paramount in how I work. 

 

My spare time is spent with my wife and 6 daughters, Mishaela, Miranda, Adria, Camila, Alison, and Evelyn. We enjoy movies, outdoors, road trips, and dining out. 

Mortgage Specialization

  • Condominium Financing
  • Construction Loans
  • Investment Property Loans
  • Jumbo Loans
  • Professional Loans
  • Second Homes

Languages Spoken

  • English
  • Spanish

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

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Roy Padilla, (NMLS ID 689354)

Roy Padilla

Sr Loan Advisor

NMLS ID: 689354

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

3115 South Price Road Suite 114

Chandler, AZ 85248

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Today's Rate

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1Rate as of 11/30/2022 4:19 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,478. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 11/30/2022 4:19 PM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,960. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  11/30/2022 4:19 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,436. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Roy Padilla, (NMLS ID 689354)

Roy Padilla

Sr Loan Advisor

NMLS ID: 689354