With over 25 years of experience in banking and finance, Amy Benedetti, Partner Liaison at Benedetti Capital Group, offers expert support and personalized service to help you reach your homeownership goals with confidence. Licensed in AZ, CO, FL, ID, OR, TX, and WA, Amy is here to make the home loan process smooth, clear, and stress-free—from start to finish.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Conventional loans are ideal for borrowers with strong credit and steady income, offering competitive interest rates and flexible terms without government backing. These loans can be used for primary residences, second homes, or investment properties, making them a popular, versatile option. With a straightforward approval process and a wide variety of structures, conventional home loans provide a stable path to homeownership for those who meet standard qualification guidelines—helping you build equity and long-term financial security with confidence.
FHA loans, backed by the Federal Housing Administration, are perfect for first-time buyers or those with less-than-perfect credit. They offer low down payment options, flexible qualification guidelines, and affordable interest rates. These government-insured loans make it easier to get approved with minimal upfront costs. If you’re entering the market for the first time or re-entering after financial setbacks, an FHA loan can provide a solid, affordable foundation for homeownership while allowing you to build equity and strengthen your financial future.
VA loans are a unique benefit for veterans, active-duty service members, and eligible military spouses, offering no down payment, no PMI, and competitive interest rates. Backed by the Department of Veterans Affairs, these loans help military families achieve homeownership with fewer barriers and greater financial flexibility. With lenient credit requirements and protections designed for those who’ve served, VA loans provide an affordable, reliable path to buying or refinancing a home while honoring your service to the country.
Jumbo loans provide financing for high-value homes that exceed the limits set by traditional conforming loans. These programs are ideal for buyers in luxury markets or areas with high property values, offering competitive interest rates, custom loan terms, and flexible underwriting. Whether you’re purchasing a primary residence, vacation home, or investment property, jumbo loans allow for greater borrowing power with tailored lending solutions to match your financial profile—without compromising quality, service, or speed in the approval process.
If you’re self-employed, our specialized mortgage programs offer a flexible alternative to traditional lending. We evaluate business income, cash flow, or profit-and-loss statements to verify income—no W-2s needed. With competitive rates, flexible terms, and customized underwriting, these loans are ideal for entrepreneurs, freelancers, and small business owners. Whether you’re purchasing or refinancing, we make homeownership accessible with solutions built around your unique income structure, helping you secure financing that fits your professional lifestyle and long-term goals.
Non-Qualified Mortgage (NQM) loans offer flexible alternatives for borrowers who don’t meet traditional lending standards. Perfect for those with non-traditional income, credit challenges, or unique financial situations, these loans use bank statements, asset-based income, or other methods to qualify. With custom loan structures and competitive terms, NQM loans expand access to homeownership for self-employed professionals, real estate investors, and anyone who falls outside conventional mortgage guidelines—without sacrificing support, transparency, or peace of mind throughout the process.
Bank statement loans are tailored for self-employed borrowers or those with variable income, using 12–24 months of bank statements to verify earnings instead of tax returns. These loans offer competitive rates, flexible guidelines, and a simplified path to approval. Ideal for business owners, freelancers, and independent contractors, bank statement loans help you qualify based on real cash flow—making it easier to secure the financing you need without the roadblocks of traditional documentation requirements.
Investment property loans are designed for buyers expanding their real estate portfolio. Whether you’re purchasing a rental property, vacation home, or multi-unit building, these loans offer flexible terms, income-based qualification, and competitive rates. Lenders evaluate potential rental income to help you qualify, making it easier to invest in long-term equity and monthly cash flow. With personalized support and strategic financing options, investment loans empower you to build wealth and generate passive income through real estate.
ITIN loans provide financing for borrowers without a Social Security number, using an Individual Taxpayer Identification Number to qualify. Designed to support non-U.S. citizens and permanent residents, these loans offer flexible documentation, competitive rates, and a straightforward approval process. Whether you’re buying your first home or investing in property, ITIN loans make homeownership more inclusive—helping individuals and families build stability, establish credit, and secure a brighter financial future, regardless of traditional status or background.
Our refinance options help you reduce your interest rate, lower monthly payments, or tap into your home’s equity. Whether you’re looking to consolidate debt, fund home improvements, or adjust the term of your loan, refinancing can provide meaningful savings and greater control over your finances. With streamlined processing, competitive terms, and personalized guidance, refinancing helps align your mortgage with your current goals—supporting smarter financial planning and increased peace of mind.
A cash-out refinance lets you replace your current mortgage with a new one that’s larger, allowing you to withdraw the equity you’ve built in your home. Use the cash for home improvements, debt consolidation, or major expenses. This option gives you financial flexibility without taking on a separate loan. With competitive rates, flexible terms, and a simple process, cash-out refinancing is a smart way to turn your home’s equity into a powerful financial tool.
Renovation and construction loans provide financing for new home builds, major remodels, or property upgrades. These loans cover both construction costs and long-term mortgage financing under one package. With flexible draw schedules, competitive rates, and expert support throughout the project, they offer a streamlined solution for creating or transforming your home. Whether building from scratch or making improvements, these loans help you boost property value and bring your vision to life.
USDA loans offer zero down payment, low interest rates, and flexible credit requirements to help low-to-moderate income buyers purchase homes in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans are designed to promote affordable housing in underdeveloped communities. With reduced upfront costs and long-term savings, USDA loans make homeownership more accessible and sustainable for families looking to build a future in areas where affordability and community matter most.
First-time homebuyer loans and down payment assistance (DPA) programs help reduce the financial burden of buying your first home. These options offer low down payments, flexible credit guidelines, and access to state or local grants that can cover part of your upfront costs. Whether you’re stepping out of renting or starting fresh, these programs are built to support your transition into homeownership with greater ease and long-term financial confidence.
Reverse mortgages are designed for homeowners aged 62 and older, allowing you to eliminate monthly mortgage payments and access your home’s equity. Use the funds for retirement expenses, home improvements, or to purchase a new home. You can also refinance an existing reverse mortgage to improve your terms. With flexible options and no monthly payments required, a reverse mortgage helps you stay in the home you love while supporting your financial freedom in retirement.
Amy Benedetti
Partner Liaison | Benedetti Capital Group
With over 25 years of experience in banking and finance, Amy Benedetti, Partner Liaison at Benedetti Capital Group, brings deep industry knowledge, compassion, and unwavering dedication to every client interaction. Licensed in Arizona, Colorado, Florida, Idaho, Oregon, Texas, and Washington, Amy supports the delivery of expert home loan solutions that are thoughtfully matched to each client’s short- and long-term goals.
Amy is known for her highly personalized service, honest guidance, and ability to make the mortgage process feel smooth and stress-free. She takes time upfront to understand each client’s needs and works diligently to ensure they feel informed, supported, and genuinely cared for throughout the loan journey.
Her clear communication and client-first approach have earned her the trust of both first-time buyers and a loyal base of repeat clients—a reflection of the strong relationships she builds and the lasting impact she makes. For Amy, helping people achieve the dream of homeownership isn’t just a job—it’s her passion.
Licensed in AZ, CO, FL, ID, OR, TX, and WA
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
With a passion for people and over 25 years in banking and finance, Amy Benedetti brings a rare combination of experience, heart, and personalized care to every home loan journey. As Partner Liaison at Benedetti Capital Group, Amy is committed to understanding your unique goals and delivering a lending experience built on trust, communication, and long-term success.
Amy takes the time to truly listen, explain your options clearly, and ensure your loan aligns with both your immediate needs and future plans. Her dedication to transparency, responsiveness, and client-first service has earned her the loyalty of repeat clients and first-time buyers alike. When you work with Amy, you’re not just a transaction—you’re a priority.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
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