First-Time Buyers & Down-Payment Assistance
Arizona DPA programs can cover part — sometimes all — of your down payment. If saving the down payment is the wall between you and a home, start here.
Check my options →Tucson, Arizona · Licensed Mortgage Broker · NMLS #1906123
Home financing built on total trust.
From start to finish, you work directly with a licensed local expert — not a call center. We shop 200+ lenders to find the loan that actually fits your life.
- Down-payment assistance programs
- Self-employed & investor friendly
- Local. Licensed. Accountable.
Loan Programs
The right loan for the way you live and earn.
Conventional
Competitive rates and flexible terms for buyers with established credit. Fixed or adjustable, 10 to 30 years — shopped across 200+ lenders.
Get my rate →FHA
Lower down payments and friendlier credit requirements, backed by the Federal Housing Administration. A workhorse for first-time buyers.
See if I qualify →VA
Zero down for those who served. If you're a veteran or active-duty service member, this benefit is yours — we make sure you get every bit of it.
Use my VA benefit →USDA
Zero-down financing for homes in eligible rural and suburban areas — and more of Arizona qualifies than you'd think.
Check my area →Jumbo
Financing above conforming limits for higher-value homes, with structures tailored to complex financial pictures.
Talk jumbo →DSCR & Investor Loans
Qualify on the property's rental income — not your tax returns. Built for real-estate investors scaling a portfolio.
Run my numbers →Bank Statement & Non-QM
Self-employed? Write-offs working against you? Qualify with bank statements and real-world income instead of W-2s.
Explore non-QM →Refinance & HELOC
Lower your payment, shorten your term, or put your equity to work. We'll tell you honestly whether a refi makes sense.
Review my loan →How It Works
From start to finish — here's the whole journey.
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1
Talk to Gerhard
A real conversation about your income, goals, and timeline. Ten minutes, no jargon, no pressure.
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2
Get pre-qualified
A pre-qualification letter that makes your offer credible — often same-day.
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3
We shop 200+ lenders
Your file goes head-to-head across hundreds of lenders competing for your loan. You get the winner.
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4
Close with confidence
We drive underwriting to the finish line and keep you informed at every milestone — until the keys are in your hand.
Gerhard De Beer
Founder · NMLS #1906123
About
A lineman's work ethic. A neighbor's honesty.
Gerhard De Beer came to Tucson from South Africa in 2013 on a University of Arizona track-and-field scholarship — then walked onto the Wildcats football team as an offensive lineman and competed in both sports while earning his degree.
Offensive linemen don't chase the spotlight. They protect the people counting on them — every single play. That's exactly how Gerhard runs Total Trust Home Loans: he blocks for your deal from application to closing, and the only stat that matters is you getting the keys.
Today Gerhard is a licensed Arizona loan originator and mortgage broker. Because Total Trust is a brokerage — not a bank — he isn't limited to one shelf of products. Your loan is shopped across 200+ lenders, and his job is simple: total honesty about what you can afford, and the best deal on the market for it.
Contact
Let's talk about your next home.
Call, text, or email — or jump straight into the secure application. Either way, you'll hear back from Gerhard himself.
- Phone / Text(520) 255-2318
- Emaildebeer@totaltrusthomeloans.com
- ServingAll of Arizona, proudly based in Tucson