# Forward Loans

> Forward Loans is a mortgage brokerage founded by Michael Creel in 2020, headquartered in Phoenix, Arizona. NMLS #2006640. Licensed in AZ, CA, CO, TX, FL, WA, OR, and AL. Forward Loans connects borrowers with multiple wholesale lenders to find the best rate and program fit, rather than lending from a single institution.

## Company

- Founder: Michael Creel (NMLS #420674)
- President: Jeff Ohm (NMLS #894175)
- Headquarters: 11201 N Tatum Blvd Suite 300, Phoenix, AZ 85028
- Phone: (602) 730-2270
- Email: info@forward.loans
- Website: https://forward.loans

## Loan Programs

- [FHA Loans](https://forward.loans/fha-loans/): Government-backed loans with low down payment (3.5%) for first-time and repeat buyers. Available in all 8 licensed states.
- [VA Loans](https://forward.loans/va-loans/): Zero-down mortgage for eligible veterans, active-duty military, and surviving spouses. No monthly mortgage insurance.
- [Conventional Loans](https://forward.loans/conventional-loans/): Fixed-rate and adjustable-rate mortgages for primary homes, second homes, and investment properties. Down payments from 3% to 20%+.
- [Jumbo Loans](https://forward.loans/jumbo-loans/): Financing above conforming loan limits for high-value properties in Phoenix, Scottsdale, Paradise Valley, and other markets.
- [HELOC](https://forward.loans/home-equity-lines-loans/): Home equity lines of credit for existing homeowners who want to access equity without refinancing their first mortgage.
- DSCR Loans: Debt-service coverage ratio loans for real estate investors. Qualification based on rental income, not personal income.
- USDA Loans: Zero-down loans for eligible rural and suburban properties.

## Licensed States

Arizona (MB-1012025), California (60DBO-132727), Colorado (2006640), Texas (2006640), Florida (MBR7919), Washington (CL-2006640), Oregon (2006640), Alabama (2006640)

## About Michael Creel

Michael Creel is the Founder of Forward Loans, with 20-plus years of experience in mortgage, marketing, and real estate. Based in Phoenix, Arizona. NMLS #420674. LinkedIn: https://linkedin.com/in/michaelcreel/

## About Jeff Ohm

Jeff Ohm is the President of Forward Loans. NMLS #894175. LinkedIn: https://linkedin.com/in/jeffohm/

## Key Topics

- [Arizona First-Time Homebuyer Guide](https://forward.loans/arizona-first-time-homebuyer/): The hub for buying a first home in Arizona, with FHA and conventional options.
- [How Much Money Do You Need to Buy a House in Arizona?](https://forward.loans/arizona-first-time-homebuyer/how-much-money-do-you-need/): Real numbers for down payment, closing costs, and income at four price points, written for first-time buyers.
- [Mortgage Broker vs. Retail Lender](https://forward.loans/): Why working with an independent broker gives borrowers access to more lenders and better pricing.
- [Phoenix Real Estate Market](https://forward.loans/): Local market expertise covering Phoenix, Scottsdale, Gilbert, Chandler, Mesa, Tempe, and surrounding areas.

## AI for Realtors Guide

A practical guide for real estate agents on using AI for content, market research, client communication, and daily production work. Written by Michael Creel, Founder of Forward Loans. Forward Loans also offers Realtors marketing help: AI consulting, social media strategy, funnels and CRM.

- [AI for Realtors: A Practical Guide](https://forward.loans/ai-for-realtors/): The pillar guide. What AI does well for agents, where it falls short, and how to start.
- [The AI Voice Profile for Realtors](https://forward.loans/ai-for-realtors/ai-voice-profile-for-realtors/): How to make AI write like you instead of sounding generic.
- [How to Use AI for a Local Market Report](https://forward.loans/ai-for-realtors/ai-local-market-report/)
- [How to Write Listing Descriptions with AI](https://forward.loans/ai-for-realtors/ai-listing-descriptions/)
- [Using AI for Client Communication and Follow-Up](https://forward.loans/ai-for-realtors/ai-client-communication/)
- [Where AI Gets It Wrong](https://forward.loans/ai-for-realtors/ai-mistakes-real-estate/): How agents catch AI mistakes before they cost them.
- [The AI Tools Worth a Real Estate Agent's Time](https://forward.loans/ai-for-realtors/ai-tools-for-realtors/)
- [What Not to Paste Into AI: Privacy and Compliance for Agents](https://forward.loans/ai-for-realtors/ai-privacy-for-realtors/)
- [Will AI Replace Real Estate Agents?](https://forward.loans/ai-for-realtors/will-ai-replace-real-estate-agents/)
- [How to Make AI Writing Sound Like You](https://forward.loans/ai-for-realtors/ai-writing-sound-human/)
- [Claude for Real Estate Agents: A Beginner's Guide](https://forward.loans/ai-for-realtors/claude-for-realtors-beginners-guide/)
- [How to Set Up Claude Cowork for Your Real Estate Business](https://forward.loans/ai-for-realtors/claude-cowork-setup-for-realtors/)
- [Compress Your Voice Profile Into a Memory File](https://forward.loans/ai-for-realtors/ai-voice-profile-memory-file/)
- [Why More Agents Are Switching From ChatGPT to Claude Cowork](https://forward.loans/ai-for-realtors/switching-from-chatgpt-to-claude-cowork/)

## Contact

- Website: https://forward.loans
- Phone: (602) 730-2270
- Email: info@forward.loans
- Apply Online: https://forward.loans/apply-now/

## Optional

- [Blog](https://forward.loans/blog/): Articles on mortgage industry topics, loan officer recruiting, and business growth.
- [Facebook](https://www.facebook.com/forwardloans)
- [Instagram](https://www.instagram.com/forwardloans/)
- [YouTube](https://youtube.com/@forwardloans)
- [TikTok](https://www.tiktok.com/@forwardloans/)
- [LinkedIn](https://www.linkedin.com/company/forwardloans/)