Buy or refinance
Explore conventional, jumbo, FHA, VA, and refinance options with a clear look at payment, cash to close, and long-term goals.
Talk through your plansReal estate financing • Arizona
A better way
to move forward.
From your first home to your next investment, get clear guidance and a financing strategy built around where you want to go.
Raphael “Rafa” Bangiyev · Mortgage AdvisorScroll to explore ↓
Some loans are straightforward. Others need someone who knows how to see the whole picture.
20+ years in mortgage lending
One person to help shape the strategy
More paths for complex scenarios
What you're working toward
Financing that fits your next move.
Whether you're buying a home or building a portfolio, the right place to start is your full financial picture.
Self-employed financing
Your tax return rarely tells the whole story. Review paths that may use bank statements or other qualifying documentation.
Discuss your incomeInvestor lending
Explore DSCR and other financing approaches for purchases, refinances, renovations, and your next rental property.
Explore a scenarioThe approach
Start with the goal. Then build the loan.
Good financing is more than a rate quote. It is a plan that makes sense for the property and the person behind it.
01
Tell me the real story
What are you buying, building, or changing? What has another lender missed? We begin with the details that matter.
02
Compare the workable paths
We look at relevant loan structures and the tradeoffs in cash, payment, documentation, and timing.
03
Move with a clear plan
Know the next steps, the documents needed, and the questions to resolve before you commit.
“When the financing is complicated, the conversation should be simple.”
Meet Rafa
Experience you can actually talk to.
I'm Raphael “Rafa” Bangiyev. For more than two decades, I've worked with homebuyers, business owners, and real estate investors through financing decisions that don't always fit a standard script.
I believe in looking closely at the deal, explaining the options plainly, and helping you make a confident decision—whether the answer is conventional financing or a more tailored path.
Raphael “Rafa” Bangiyev
Your next move starts here
Call Rafa.
Have a property in mind or a financing question that needs a real conversation? Let's look at your scenario.
Let's talk through it.
For now, you can reach Rafa through his professional Instagram account. A direct phone number, email, and secure application link will be added after they are confirmed.
Message Rafa on InstagramPlease do not send financial documents or sensitive personal details through social media.