Bonelli Financial Group: Trusted Prescott, AZ Mortgage Lenders

From Whiskey Row to Williamson Valley—We Finance the Highlands.

The Prescott AZ Mortgage Lenders Who Say "Yes" to Yavapai County Borrowers

In "Everybody’s Hometown," trust is everything. Bonelli Financial Group is proud to be one of the few Prescott AZ mortgage lenders that combines high-tech speed with old-fashioned local service. Whether you are looking for a cabin in Groom Creek, a luxury estate in Talking Rock, or a starter home in Prescott Valley, our Yavapai County experts are here to guide you home.

Specialized Programs for the Prescott Demographic

Prescott has a unique housing DNA, and your mortgage should reflect that. We offer:

• VA Loan Specialists: With the Northern Arizona VA Health Care System nearby, we prioritize our veterans. We offer $0-down VA loans with expanded credit tiers down to a 500 score.
• Retiree Asset-Based Lending: Many Prescott residents have significant assets but lower monthly "active" income. We use Asset Depletion strategies to qualify you based on your 401(k), IRA, and investment portfolios.
• USDA Rural Development Loans: For those looking in the outskirts of Chino Valley or Dewey, we offer 100% financing options that most Phoenix-based lenders overlook.

Solving the "Low Credit" Challenge in Prescott

The Prescott market can be competitive, and a low credit score can feel like a disadvantage. At Bonelli Financial Group, we provide:

• Manual Underwriting: We don't just rely on an automated "Yes" or "No" from a computer. If you have a 500 credit score, our human underwriters look at your rent history and utility payments to build a case for your approval.
• Rate Buy-Down Strategies: We work with Prescott sellers to negotiate "2-1 Buydowns," lowering your interest rate for the first two years of your loan.

The Bonelli Promise to Yavapai County

We aren't just a voice on the phone. We are members of the Prescott community. When you work with us, you aren't just a file number; you are our neighbor. We guarantee transparent fees, no "junk" charges, and a commitment to getting you the keys to your Prescott dream home.

Home Loans

About Bonelli Financial Group

Bonelli Financial Group specializes in delivering customized mortgage solutions for homebuyers and homeowners. Our process starts with a detailed financial consultation, allowing us to match you with the best mortgage rates and loan terms that suit your unique financial goals. From first-time buyers to seasoned homeowners, our mission is to make mortgage lending smarter, simpler, and more rewarding.

Offering Competitive Mortgage Rates and Reduced Refinance Fees

Refinancing your mortgage can be a smart move—especially when you work with a lender that offers low refinance costs and flexible loan terms. At Bonelli Financial Group, we make refinancing easy and beneficial by helping homeowners reduce their monthly payments, access lower interest rates, adjust the length of their loan, or tap into home equity. Our mortgage experts work one-on-one with clients to ensure you understand your options and choose a refinancing strategy that supports long-term financial success.

Choosing the right mortgage lender makes a significant difference. Bonelli Financial Group stands out for exceptional customer service, transparent pricing and no hidden fees, and access to a wide range of home loan products. With Bonelli FG, you get the peace of mind that comes from working with a trusted partner who’s focused on your financial future. Whether you're purchasing a home or exploring refinance options, we’re here to help. Contact Bonelli Financial Group today at 800-266-3554 to schedule a free consultation and discover how we can help you.

Bonelli Financial Group Stands Apart from the Typical Mortgage Industry Lenders

Personal Approach

We believe that the mortgage process should be more than just a transaction — it should be a partnership. Unlike big lenders that treat you like a number, we take the time to understand your unique needs and financial goals. Our team provides a tailored, one-on-one experience, guiding you through each step of the process with clarity and care

Competitive Pricing

Without the heavy corporate structure and overhead costs of larger lenders, Bonelli Financial Group can offer competitive pricing that directly benefits you. By operating efficiently, we can offer cost savings that translate into competitive rates and minimized fees for you.

Balanced Use of AI

We embrace AI to streamline and speed up the loan approval process, making it smooth and efficient. However, we never rely solely on technology. Our team is always just a phone call away, ensuring you receive the personal attention and care that every mortgage experience deserves.

Customer Reviews

50

YEARS COMBINED EXPERIENCE

1000+

SATISFIED CUSTOMERS

7

AVAILABLE LOAN OFFICERS

1000+

DEALS SECURED

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