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Welcome to Tru Home Loans, I'm Sue Lechman, your Scottsdale home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

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Sue Lechman

Sue Lechman

Sr. Mortgage Broker
NMLS# 257931

(480) 797-6000 Email Me

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Real Customer Experiences

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  • Thank you so much for all of your awesome work on my recent refinance -- I have nothing but great things to say about the exceptional service experience. Completely blown away at the turnaround time, and it was as seamless as can be. I truly appreciate your willingness to answer questions and go above and beyond… Noah Rischitelli - December 16, 2020

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Scottsdale? Now may be the right time to start saving money every month!

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%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
You May Have Two Credit Scores That Matter for Your Mortgage Scottsdale

You May Have Two Credit Scores That Matter for Your Mortgage

October 2, 2026 For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac… Read Post
Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying. Scottsdale

Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying.

September 25, 2026 In September, two out of three U.S. home builders said they were using sales incentives to move houses, according to the NAHB/Wells Fargo Housing Market Index. That share rose to 66% from 63% in August, the highest reading since last December. Separately, 38% of builders reported cutting prices, with the average reduction holding at 6%… Read Post
The Fed Raised Rates. That Is Not Why Your Mortgage Moved. Scottsdale

The Fed Raised Rates. That Is Not Why Your Mortgage Moved.

September 18, 2026 On Wednesday the Federal Reserve raised its benchmark rate by a quarter point to a target range of 3.75% to 4%. It was the first hike since 2023, and it was widely expected. If you are shopping for a home or watching your payment, you probably heard the same headline everywhere: the Fed hiked, so… Read Post

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Contact Sue Lechman

Sue Lechman

20219 N 33rd Place
Phoenix, Arizona 85050
(480) 797-6000
NMLS# 257931

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