About Christine Wenger
Helping self-employed and retired borrowers in Arizona and California buy homes with confidence, without the stress. Hi, I'm Christine Wenger, a mortgage loan officer based in Mesa, AZ, helping clients navigate the home financing process with clarity and confidence for over 27 years and over 2,000 families helped. I specialize in working with self-employed, retired borrowers, and those seeking a reverse mortgage offering tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: - Buying your first home - Exploring refinancing options - Looking into programs like Reverse, Non-QM, Conventional, FHA, VA, Land, Renovation, Chattel, Ground-Up Construction, Builder, Commercial, or USDA I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: - I care. I go the extra mile. With my background in processing and Underwriting, it gives me an advantage to be a guru in guidelines and what to ask or bring up that might be an issue. I work hard and make myself available. - I prioritize fast responses and availability. I focus on education and walk my clients through each step of the process. I follow up after close and stay in touch with my clients. - Excelling in Reverse mortgage, unique income, self-employed, complex deals, and 1031 exchanges. I'm a Reverse Mortgage Specialist. Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals—I'll help you break it down clearly. I've helped clients throughout the below areas secure financing for homes ranging from all prices and property types, and I'm proud to be a trusted resource for both buyers and local real estate agents: East Valley, the Valley, Tucson, Rim Country, Gilbert, Queen Creek, San Tan Valley, Gold Canyon, Dun Lakes, Ahwatukee, Mesa, Phoenix, Scottsdale, Paradise Valley, Cave Creek, Care Free, Glendale, Sun City, Sun City West, Buckeye, Goodyear, Tolleson, Casa Hrande, Payson, Showlow, Pinetop, Greer, Overgaard, Flagstaff Sedona, Arizona and California Check out my client reviews below to see what it's like to work together. My clients say my kindness and going above and beyond with communication is what sets me apart. When I'm not helping clients, you'll find me helping people and volunteering in my community. I am a Fire Chiefs daughter and my mom, a nurse, so service to those around us runs in my blood. Volunteer of the year with Semicolon Society and on the board of 5 non-profits. I was an Ambassador of Chandler Chamber of commerce. I'm an Ambassador of Guaranteed Rate Affinity Pride. Mental Health Awareness, education and working with those with special needs are close to my heart. I'm also passionate about working to help the elderly have a better quality of life. Personally, I was a single mom, football mom, and sister. Mountains are my happy place. I have an animal science degree with a concentration in large animals and science from CSU and was even a livestock judge. I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 0.00
*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 1640 S. Stapley Drive, Suite 241 Mesa AZ, 85204