Our Community Mortgage

Our Community Mortgage Serving the community with integrity. We offer a wide range of residential, commercial, SBA, business loan programs with competitive rates.
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Our Community Mortgage LLC, 1043668 & 2445453
Equal Housing Opportunity
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 2445453

We offer a wide range of RESIDENTIAL and COMMERCIAL LOAN PROGRAMS and competitive rates that cater to the needs of our clients. We train and equip our loan officers with the right resources to offer the best custom

er service and support in their loan process. As part of our service and to foster a sense of partnership, we have community involvement wherein we provide financial literacy and home-buying guidance. The real estate process is a big financial transaction that comes with overwhelming decision-making. Clients with their unique situations look for companies that can offer them step-by-step guidance. We are devoted to finding the right loan, best interest rates, terms, and over-all costs customized to our clients' needs.

Welcome to Our Community Mortgage, Steven Ernst! 💙💛 We’re excited to have you join the OCM team as a Loan Officer!Steven...
09/01/2026

Welcome to Our Community Mortgage, Steven Ernst! 💙💛 We’re excited to have you join the OCM team as a Loan Officer!

Steven is a retired U.S. Air Force veteran with 20 years of service who brings the values of integrity, discipline, accountability, and service to every client relationship.

He also brings extensive experience in construction, property maintenance, home renovation, project management, and residential and commercial property inspection, giving him a unique perspective when helping clients navigate home financing.

As a husband, father, and grandfather, Steven understands that homeownership is about more than financing. It’s about family, stability, opportunity, and building a future.

From serving our country to serving Arizona families, welcome to OCM, Steven!

Ready to explore your home financing options? Connect with Steven today.

08/26/2026

POV: The loan officer & client when they finally hear… “THE LOAN HAS FUNDED!” 💃🕺🎉

After the paperwork, conditions, emails, phone calls, and “Any update?” messages…

WE FINALLY MADE IT!

That “FUNDED” notification hits DIFFERENT.

Loan officers & homebuyers — what’s your reaction when you hear “funded”? 👇😂

Commercial Loan vs. Residential Loan: Which One Is Right for You?Not all property financing works the same way. The righ...
08/21/2026

Commercial Loan vs. Residential Loan: Which One Is Right for You?

Not all property financing works the same way. The right loan depends on your property, purpose, and financial goals.

🏠 Residential Loan – Typically designed for individuals or families purchasing, refinancing, or investing in residential properties.

🏢 Commercial Loan – Designed for properties used for business or investment purposes, such as office buildings, retail spaces, and apartment complexes.

💡 Planning to buy, refinance, or invest in property? Understanding the difference can help you choose the financing that fits your goals.

📞 +1 623-265-1384
🌐 ourcommunitymortgage.com
📧 [email protected]

Every homebuyer’s financial situation is unique—and your mortgage should be too. 💙💛At Our Community Mortgage, we take th...
08/17/2026

Every homebuyer’s financial situation is unique—and your mortgage should be too. 💙💛

At Our Community Mortgage, we take the time to understand your goals, your needs, and your financial situation so you can explore loan options that fit your journey.

Because the right home loan isn’t about finding the same solution for everyone—it’s about finding the right solution for you.

📞 +1 623-265-1384
🌐 ourcommunitymortgage.com
📧 [email protected]

Our Community Mortgage — Serving the Community with Integrity.

MORTGAGE FAQ: Do I Need a 20% Down Payment?Not always! 🙌Many homebuyers believe they need to save 20% before they can pu...
08/13/2026

MORTGAGE FAQ: Do I Need a 20% Down Payment?

Not always! 🙌

Many homebuyers believe they need to save 20% before they can purchase a home, but there are loan programs that may require much less.

The right mortgage option depends on your situation, goals, and qualifications. Let’s explore what options may be available to you! 💙💛

📞 +1 623-265-1384
🌐 ourcommunitymortgage.com
📧 [email protected]

Our Community Mortgage — Serving the Community with Integrity.

How Does the Mortgage Process Work?Buying a home doesn’t have to feel overwhelming. Understanding the process is the fir...
08/10/2026

How Does the Mortgage Process Work?

Buying a home doesn’t have to feel overwhelming. Understanding the process is the first step toward making your homeownership goals a reality!

Here’s what to expect:
1️⃣ Get Pre-Approved
2️⃣ Find Your Home
3️⃣ Submit Your Loan Application
4️⃣ Loan Processing & Underwriting
5️⃣ Closing Day! 🎉🔑

At Our Community Mortgage, we’re here to guide you through every step with clarity, care, and integrity.

Ready to take the first step toward homeownership? Let’s get started! 🏡💙💛

📞 +1 623-265-1384
🌐 ourcommunitymortgage.com
📧 [email protected]

🏡 Thinking About Buying Your First Home? Start Here!Becoming a first-time homeowner doesn’t have to feel overwhelming. T...
08/07/2026

🏡 Thinking About Buying Your First Home? Start Here!

Becoming a first-time homeowner doesn’t have to feel overwhelming. Take it one step at a time:

✔️ Know your budget
✔️ Gather your documents
✔️ Save for upfront costs
✔️ Talk with a mortgage professional

At Our Community Mortgage, we’re here to help you understand your options and guide you through the homebuying process with confidence.

Ready to take the first step toward homeownership?

📞 +1 (623) 265-1384
🌐 ourcommunitymortgage.com
📧 [email protected]

Serving the community with integrity.

Know Your Loan Options 🏡💙Every homebuying journey is unique—and so are the loan programs available to you. Whether you’r...
08/06/2026

Know Your Loan Options 🏡💙

Every homebuying journey is unique—and so are the loan programs available to you. Whether you’re purchasing your first home, refinancing, or investing in property, understanding your mortgage options is the first step toward making a confident financial decision.

At Our Community Mortgage, we’re here to help you find the loan that best fits your goals and budget.

📞 Have questions? Our team is ready to guide you every step of the way.

🏡 Welcome, August! 💙💛A new month brings fresh opportunities to take the next step toward your homeownership goals. Wheth...
08/04/2026

🏡 Welcome, August! 💙💛

A new month brings fresh opportunities to take the next step toward your homeownership goals. Whether you’re buying your first home, refinancing, or exploring your financing options, Our Community Mortgage is here to guide you every step of the way.

Let’s make this month the beginning of new possibilities, new milestones, and new places to call home.

Your dream home is closer than you think. Let’s make it happen—together.

📞 Ready to get started? Contact Our Community Mortgage today!

🎉Congratulations to our clients on the successful cash-out refinance of their assisted living property valued at $2 mill...
07/29/2026

🎉Congratulations to our clients on the successful cash-out refinance of their assisted living property valued at $2 million!

This financing allowed them to access their property’s equity and use the proceeds for other investment opportunities.

Program highlights may include:
✅ Cash-out refinance up to 75% LTV
✅ No income documentation required
✅ No tax returns required
✅ Funds may be used for other investments or business expansion
✅ Financing available for assisted living and other qualifying commercial properties
✅ Flexible commercial loan solutions based primarily on the property and overall transaction

Are you looking to purchase, refinance, improve, or access equity from an assisted living or commercial property?

Reach out to Our Community Mortgage Inc. for any of these financing needs and let us help you explore the available options.
Loan programs, terms, rates, maximum LTV, and qualification requirements are subject to lender approval and may vary by property and borrower.

Address

4001 N 3rd Street Ste 280
Phoenix, AZ
85012

Telephone

+16232651384

Website

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