Competitive Mortgage Rates and Fees in Arizona, California, Colorado, Florida, Idaho, Ohio and Texas
Bonelli Financial Group blends human expertise with the power of artificial intelligence to deliver a seamless and personalized mortgage lending experience.
How Bonelli Financial Group Can Help You Lock in Lower Mortgage Rates
We Have a Team of Licensed and Experienced Mortgage Loan Advisors. Whether you're looking to buy a home in Arizona, California, Colorado, Florida, Idaho or Texas or refinance your existing mortgage, borrowers often dread the mortgage loan and refinance process. That is because the traditional way to shop for a mortgage loan is antiquated and broken. Bonelli Financial Group has a streamlined the mortgage loan process to be easy, fast, and exciting so you can focus on enjoying your new home and this new chapter in life without the stress of a long and complicated mortgage loan process.
Competitive Rates
We compare loan options from multiple lenders to help you secure competitive rates and terms.
Save Money
Unlike banks we don't have high fees and hidden costs. Total Transparency.
Quick Results
We are known for fast approval & closing times to make the mortgage loan process smooth.
Asset Based Loans
A mortgage option that lets you qualify using your liquid assets like savings or investment accounts rather than traditional income paperwork.
Bank Statement Loans
Designed for self-employed borrowers, these loans use bank deposits to verify income instead of tax returns or W-2s.
Conventional Loans
Standard home loans that follow traditional lending rules and usually require solid credit and steady income.
Debt Service Coverage Ratio (DSCR) Loans
Investor-focused loans that rely on a property’s rental income to qualify, not the borrower’s personal income.
Federal Housing Authority (FHA) Loans
Government-insured mortgages that offer flexible credit requirements and low down-payment options.
Veteran Affairs (VA) Loans
A mortgage benefit for eligible veterans and service members, often requiring no down payment and offering flexible terms.
HOPER | FHA Energy Efficiency Program
An FHA-backed down-payment assistance program that includes up to $13,000 in financial assistance and lets you roll approved energy-saving upgrades into your mortgage.
Rate-and-Term Refinance
Refinance your mortgage to secure a lower rate or a better loan term, helping you reduce monthly payments or pay off your home faster.
Cash-Out Refinance
Use your home’s equity to take cash out for renovations, debt consolidation, or major expenses while refinancing into a new mortgage.
VA IRRRL (VA Streamline Refinance)
A fast, low-paperwork refinance option for current VA homeowners to lower their interest rate or monthly payment.
FHA Streamline Refinance
A simplified refinance for FHA borrowers offering lower rates, no appraisal, and minimal documentation.
Home Equity Lines of Credit (HELOCs)
A revolving credit line secured by your home equity, giving you the freedom to borrow only what you need.
Home Equity Loans (HELOANs)
A fixed-rate loan that lets you tap your home’s equity and receive the money in one lump sum.
Texas 50(a)(6) Loans
A Texas-specific cash-out refinance that allows homeowners to borrow against their primary residence under state-regulated rules.
About Bonelli Financial Group
No matter, whether you are a first-time homebuyer or looking to refinance your existing mortgage, our experienced mortgage loan officers work diligently to find mortgage home loans tailored to your unique financial situation. The process begins with a comprehensive consultation where our expert mortgage brokers gather detailed information about your financial status, goals, and preferences. By understanding your home financing goals, we can find mortgage rates and fees that align with your needs.

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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