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O‘Dowd & Associates has been operating since 1985 serving
the real estate community and home ownership needs for the
Phoenix metropolitan and rural communities of Arizona. Our
lending expanded outside of Arizona as our company became
established. With a lending staff of just under 20 employees,
our Loan Originators and Processing staff have a minimum
of 10 years experience, contributing to a high level of
expertise and recognition as a leader in the mortgage broker
industry. |
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Owner/Broker |
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Pete O‘Dowd |
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Loan Officers/Consultants |
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Mortgage Broker and Owner, over 27 years of
mortgage lending experience and 14 years as
a sole proprietor, operating two offices in
Phoenix and Sun City, Arizona. "Please take
a moment to read our
Mission Statement which tells you about
our company’s philosophy and culture in meeting
home ownership needs." Specializing in Executive
Relocation, jumbo and luxury home financing
on advanced financial transactions related to
self-employed borrowers, executive relocation
packages, and requirements involved with building
and purchasing a luxury home. Business ownership
experience has yielded the opportunity for me
to understand and evaluate financial analysis
associated with the self-employed borrower.
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Background: In 1956, my parents and family relocated
to Phoenix, Arizona from New York. I attended
high school and college in Arizona and have
a permanent residence in Phoenix. I have a wife
and three children and my family has been very
supportive of my business over the years. Affiliations:
Current membership of Arizona Mortgage Banker’s
Association since 1985; in 1986 selected as
one of four local lenders endorsed by Arizona
Insights, a premier Relocation Company; previous
board member for Arizona Mortgage Banker’s Association.
Previously worked for First Federal Savings
& Loan of Arizona as a Loan Officer for 13 years
originating all types of residential lending. |
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Complete an On-Line Application Today!
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pete@odowdmortgage.com
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Hello, my name is Eddie Knoell. I am a 3rd Generation
Phoenician born and raised in the Valley of
the Sun. Realtors, friends, and past customers
trust me when I give them my informed opinions
on product details and timing factors.
Financing your new or current home is my job.
I take care of the details so that you don't
have to. My business thrives off the satisfied
customer referrals that I receive. My goal is
to make you a satisfied customer. Allow me to
try......I won't let you down. |
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Complete an On-Line Application Today!
Weekly Economic News |
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3 Days & 2 Nights Certificate
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Customer Testimonials
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Phone #: 602-248-4200 FAX #:
602-906-1048 |
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eddie@odowdmortgage.com
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Over 20 years in Mortgage Lending with a concentration
in residential Loan Origination, including Underwriting
Conventional, FHA and VA loans. Specializing
in “first-time” home buyers. Using an underwriter’s
perspective, I have the ability to review many
loan scenarios to define placement of the loan,
specific to the customer’s needs. My combined
lending experience in Loan Origination, Loan
Processing and Underwriting has given our team
a reputation for getting loans approved and
having "on-time" closings which is an absolute
must in this industry. Serving as Secretary/Treasurer
of the Arizona Mortgage Banker’s Association,
I remain engaged in the mortgage industry to
identify trends and lending guidelines that
contribute to O’Dowd and Associates Mortgage
Co., Inc. being one of the highest producers
in the State of Arizona and a reputation that
we are proud to have. O’Dowd Mortgage supports
the Arizona School of Real Estate where I serve
as an instructor in Loan Officer and Loan Processing
courses. |
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Complete an On-Line Application Today!
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kathy@odowdmortgage.com
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I have over 25 years of mortgage lending experience
in the Phoenix Metropolitan Area. I realize
that purchasing your first or subsequent home
can be a nervous time in your life. You need
to feel at ease and confident with your lender.
At O'Dowd Mortgage, we want you to be assured
that our team will work hard to make the loan
process as quick and painless as possible.
As a mortgage broker, we have the ability to
access the best rates and terms for any of your
lending needs. We are committed to provide consistent
service you can depend on. |
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Complete an On-Line Application Today!
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michaels@odowdmortgage.com |
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Close On Time, Every Time! Guaranteed!
Hello,
My name is John O’Dowd with O’Dowd & Associates. I am a native of Arizona and have
been a Loan Officer with O’Dowd & Associates since 2002 however have over seven years of
experience in the Mortgage Industry.
My business is based on honesty with competitive rates. I also understand the importance of customer
service and closing all purchase transactions on TIME! I am so committed to these qualities
that I am available for your needs 24 hours a day and 7 days a week. I also offer my personal
guarantee that I will close all purchase transactions on time! If I do not close your purchase transaction
on time through any fault of mine I will give you a credit of $1,000 towards your closing
costs when the close of escrow takes place.
Below are three more reasons to choose me for all of your mortgage needs!
1. Purchase Transactions, Rate and Term Refinanced, Cash-Out Refinanced, 2nd Mortgages and Now Reverse Mortgages!
2. In House Underwriting and Lending!
3. Wonderful First Time Homebuyer Programs!
Again, thank you very much for visiting my website! I look forward to having the opportunity to earn your
business and referrals!
P.S. Please take a look at the useful links below!
www.homedepot.com
www.lowes.com
www.maricopa.gov
www.zillow.com
www.realtor.com
www.azcentral.com
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Complete an On-Line Application Today!
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Ofc: 623.933.3946
Fax: 623.933.0090
Cell: 602-614-4511
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john@odowdmortgage1.com
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Hello, I am a native of Phoenix and a graduate
of Arizona State University West with a degree
in Systems Management with an emphasis in marketing
and Finance. I have been a member of several
chamber of commerce groups and currently belong
to the Glendale Kiwanis. At O'Dowd Mortgage,
we understand that applying for a home mortgage
can be an overwhelming experience. That is why
my mission is to make certain that you understand
the process from beginning to end. At our processing
center, technology and experienced people work
hand in hand, making certain your loan is approved
as soon as possible. I have helped hundreds
of people in their dream of home ownership,
and I treat each client as a client for life.
I want to exceed what people expect when financing
a home. Since a large part of my business is
customer referral, you can expect the service
you deserve. |
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Complete an On-Line Application Today!
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matt@odowdmortgage.com |
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A native of Phoenix, Arizona and a graduate
of Arizona State University with a Bachelors
Degree in Business and Public Administration,
I have spent over 20 years in Finance and Management
occupations. The last several years have been
dedicated to the mortgage lending industry with
O’Dowd & Associates Mortgage Co., Inc. Specializing
in builder construction loans, home renovation
and remodeling. Having personally built my last
two homes, I truly understand the unique requirements
of Construction Lending, both from the builder
and borrower perspective. My years of business
experience has taught me to first understand
customer requirements and then to help them
define a mortgage loan product that best fits
their specific needs. |
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Complete an On-Line Application Today!
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rick@odowdmortgage1.com
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Experience includes 24 years in the mortgage
lending industry serving as a Senior Loan Officer
for O’Dowd & Associates for eight years. Background
includes 16 years experience in Finance as a
Loan Manager and Loan Officer with MeraBank,
Phoenix, AZ and previously with Chase Manhattan,
Scottsdale, AZ as a Loan Officer. Education
includes a Master of Business and Public Administration,
Arizona State University, Bachelor’s Degree
in Business Finance, Arizona State University.
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Complete an On-Line Application Today!
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sandi@odowdmortgage.com
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Hello, I am Carl St.John, mortgage loan officer
with over a decade of lending experience. Growing
up in Michigan and Indiana left me “cold” so
in 1996 I moved to Arizona and never looked
back. Phoenix is my home, because of the wonderful
year-round weather. My favorite saying is, “You
don’t have to shovel Heat!”
With over 10 years of mortgage lending expertise,
I am dedicated to providing my clients with
honest and valuable information. Because no
two borrowers are exactly alike, I approach
every loan request with the end results in mind.
Trust is paramount in working to effectively
achieve the goals of each client. It is my privilege
to assist you and every borrower with dignity
and respect. Thank you for the opportunity to
do so! |
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Complete an On-Line Application Today!
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carl@odowdmortgage.com
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As an Arizona native I have watched the incredible
growth our valley has experienced. My daughter
and I, while looking for our first home, were
swept away by the overwhelming options you are
faced with as a new homeowner. After much time
and consideration and with the excellent support
and help from our loan officer we were able
to move ourselves into a new home I never thought
I could own! My experience with purchasing a
home is what led me to become a member of the
O'Dowd family. With O'Dowd's 25 years of service
in the valley and their incredible reputation
of high quality and dependable service, I knew
they were the company I wanted to work for.
I value trustworthiness, honesty, and a strong
work ethic and hold myself to the highest standards.
I believe that everyone is capable of owning
their own home and I am committed to helping
people with their finances to make that dream
a reality. Whether you are a first time buyer
or repeat investor feel confident that with
myself and O'Dowd by your side the process towards
owning will be made as simple as possible. Thank
you for taking the time to consider me and O'Dowd,
I hope to begin helping you on your path towards
owning a home or refinancing as soon as possible!
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Complete an On-Line Application Today!
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aimee@odowdmortgage.com
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Hi, I'm Andrew. As a Phoenix native and a graduate
of the University of Arizona, I bring a local
perspective to the Valley lending market. Buying
a home can be an overwhelming process, and you
should be able to depend on a mortgage consultant
who can bring experience and sound advice. I
strive to make what can be a complicated process
an easy-to-understand experience. Finding your
dream home shouldn't be spoiled by stacks of
paperwork and endless meetings, and I hope that
I can make this important investment one that
you value. |
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Complete an On-Line Application Today!
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andrew@odowdmortgage.com
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Hi, my name is Kristi Zimmerman. I am a native of Arizona, and a graduate of Arizona State University. I have been in the mortgage business since 1992, and have been originating Reverse Mortgages since 2006. One of the things I have learned over the years is that an informed customer is a happy customer. I take great pride on educating my clients on all the aspects of reverse mortgages. You may learn a lot from one of our educational workshops or a one-on-one consultation. I know that a reverse mortgage is not for everyone, but through education I can help you decide on your best options.
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Complete an On-Line Application Today!
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kristi@odowdmortgage.com
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Hello, my name is Kristen Elder. I have lived
in Arizona for over 25 years which makes me
"almost" a native. I graduated from Arizona
State University with a degree in Business and
Communication. I joined the O'Dowd Mortgage
Team as a loan officer, in large part, because
the level of service and commitment by the staff
and management at O'Dowd is unparalleled in
the industry. Our clients are treated with the
individual attention, care and respect that
they deserve. As a Loan Officer I am here to
be your mortgage consultant. My ultimate goal
is to help find the loan program that will be
most beneficial to YOU! I am here to help you
through what can be a confusing process in a
honest, confidential and respectful way. Whether
you are refinancing or considering buying a
new home please call me for the personalized
and professional service you deserve! |
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Complete an On-Line Application Today!
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kristen@odowdmortgage1.com |
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Michelle Israel is an Arizona native and has been with O’Dowd Mortgage for 18 years.
She spent 12 years processing and began underwriting and originating in 2001. Her broad
background gives her the edge in providing superior customer service. Put her knowledge
and 18 years experience to work for you!
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Complete an On-Line Application Today!
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michelle@odowdmortgage.com |
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Hello my name is Chuck Jonkosky. I grew up in the Phoenix area and attended Sunnyslope High School and Arizona State University. I spent 10 years in the Air Force as a pilot and then returned to Phoenix as an aerospace engineer. I retired from aerospace after 26 years and became very excited about helping seniors in their retirement.
I am a reverse mortgage specialist and have a passion for educating seniors, family members and friends on reverse mortgages. My roll is to present the benefits, costs, features, income options and disadvantages to you so you can decide if this is the right program for you. Reverse mortgages do not fit everyone, but you need the facts to decide for your self and family. Give me a call, I would appreciate the opportunity to answer you questions and concerns.
Ask about are next free, no obligation Reverse Mortgage Workshop.
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Complete an On-Line Application Today!
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Chuck@odowdmortgage.com |
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Home | About |
Employees | Apply Today | Contact
Us | Resources | Calculators
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| Loan Programs |
| (Mouse Over each Loan Program for a description) |
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Purchase |
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Refinance/Cash-Out |
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Home
Equity Loans/Debt Consolidation |
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Construction
Financing - "One-Time Close" |
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FHA
Mortgage |
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VA
Mortgage |
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Conventional
Mortgage |
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Lot
Loans |
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Reverse Mortgages |
| Loan Types |
| (Mouse Over each Loan Type for a description) |
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Fixed
Rate Mortgages: |
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Conforming/Jumbo |
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1,3,5,7
& 10 Year A.R.M. |
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COFI
A.R.M. |
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LIBOR
A.R.M. |
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Fixed
Rate Balloon Programs |
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Programs
for "Credit Challenged" Individuals |
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No
Income/Asset Documentation |
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Equal
Housing Lender