Robb Sikes MBA
Branch Manager / Senior Loan Officer
NMLS #219917 | LO #0911648
Cell: 520.245.0662
Fax: 520.844.9551
robb.sikes@missionloans.com
Robb Sikes
Robb Sikes
Robb Sikes MBA
Branch Manager | License: LO-0911648/NMLS #219917
Designated Managing Broker and REALTOR® | License BR678412000
Originally from Michigan, Robb began his career in finance, auditing, and accounting at Deloitte, the largest certified public accounting firm in the world! With a strong Midwestern work ethic, and over 30 years of financial, management, accounting, human services, real estate, and academic professional experience, Robb is your solid strategic partner in business, lending, and real estate!
Robb earned an MBA in Accounting and Human Resource Management, a BSBA in Accounting, and a BA in Finance and is a Professor in the Commerce Department at The University of Arizona and a former Professor in the Business Department at Pima Community College. His professional financial, human services, lending, and real estate vitae include Vice President of Finance, Chief Financial Officer, Treasurer, Director of Human Resources, Director of Corporate Compliance, Corporate Controller, Branch Manager, Designated Managing Broker.
In 2009, Robb resigned his position as Corporate Controller in Scottsdale with a large financial servicing company to begin a new venture in lending in Tucson and has grown in this profession working with stellar clients, remarkable real estate agents, and professional peers.
In 2016, Robb became a Certified Instructor for the Arizona Department of Real Estate (ADRE), teaching at Hogan School of Real Estate, and enjoys being able to provide licensing and continuing education courses to real estate agents and lenders in Arizona.
In 2017, Robb had the honor of being appointed by the Superintendent of the Arizona Department of Insurance and Financial Institutions (AZDIFI) to serve a two-year term on the Mortgage Broker Testing Committee.
In 2018, Robb became a licensed REALTOR®, passing both National and State exams on the first attempt. In 2021, Robb received his Associate Broker license, passing the State exam on the first attempt. That same year, Robb had the pleasure of opening his real estate brokerage firm, Armstrong Owen Realty, and functions as the firms’ Designated Managing Broker and REALTOR®.
Client-Centric Approach
Utilizing an internal and external client-centric approach in all loan and real estate strategies, Robb has developed and maintains a stellar core team of referring business partners, clients, and peers! He listens to his clients and, collaboratively, works together towards a winning loan strategy! He attends lending and real estate closings—a best-business practice—as he feels the client should be supported throughout the entire loan process: Start to Finish!
Personal Note
Robb is very athletic, an avid volleyball player, and classical stretch aficionado! Robb has studied over 14 languages and cultures and has found great joy in how we interact in life and as humans! He’s a volunteer, board member, writer, affiliate, and sponsor for numerous not-for-profit organizations including Tucson Association of REALTORS®, Arizona Association of REALTORS®, The University of Arizona, Business Networking International (BNI), The Community Food Bank of Southern Arizona, National Multiple Sclerosis Society, New Mexico Department of Public Health, University of New Mexico, University of Michigan, University of Windsor, Ontario, Canada, and several mobile health clinics in New Mexico and Arizona servicing the indigent, rural, and impoverished populations.
Branch address
7650 E. Linden Street
Tucson, AZ 85715
Mortgage solutions as unique as you
Just as one shoe size doesn’t fit everyone, one loan type doesn’t fit everyone’s unique financial circumstances. We take the time to thoroughly discuss your needs, goals, and financial situation to help identify a loan program to best fits your needs.
Navigating the home loan process can be scary foreign territory, but thankfully, it’s easier when there are plenty of options to choose from under the guidance of an experienced team. Take a look at all the options we offer below and see how possible — and affordable — home loan financing can be.
Conventional loans
A conventional loan is one that is not insured or guaranteed by the federal government. These loans are often more common among customers who have purchased a house before and are in a position to meet a narrower set of qualification requirements.
Conventional loan lending guidelines require the borrower to have debt-to-income ratios and credit scores within a specified range, and the ability to show stable income.
Those who meet these qualifications and want to opt out of private mortgage insurance (PMI) can do so by putting 20% down on the home at closing, which lowers their monthly payments.
Best for people with:
- Steady income
- Strong credit
- Debt-to-income (DTI) less than 43%
Benefits:
- Potentially lower rates and monthly payments
- Can avoid the cost of private mortgage insurance (PMI) with 20% down payment
- Can be fixed or adjustable-rate
Qualifications:
- Credit score of 620+
- Minimum 3% down payment
- Debt-to-income (DTI) less than 43%
FHA loans
The government understands that everyone needs a place to live but that not everyone can meet the standards of a conventional loan. So, the Federal Housing Administration (FHA) insures home loans to expand homeownership opportunities to more borrowers.
These loans require the borrower to occupy the home as their primary residence. The loan amounts are capped, and the borrower is required to purchase mortgage insurance in case the home falls into foreclosure. Nonetheless, FHA loans are a great option for people who never thought they would be able to otherwise qualify for a loan.
Best for people with:
- Limited savings
- A lower credit score
- Higher debt
Benefits:
- Less restrictive qualification requirements
- Low down payment options
Qualifications:
- 3.5% down payment for 580+ credit score
- 10% down payment for 500–579 credit score
- Proof of income and a steady paycheck
VA loans
The VA loan program is made available by the government exclusively to veterans as a way of thanking military members and their families for their service to the country. These loans make it easier for retired and active-duty members to buy a house or refinance a current mortgage loan, as VA loans offer less restrictive qualification guidelines, low down payment minimums, minimal closing costs, and do not have loan amount caps nor require private mortgage insurance (PMI).
Best for people with:
- Veteran status
- Lower credit score
- Minimal savings
Benefits:
- Less restrictive qualification requirements
- Low down payment options
- No PMI requirement
- Low closing costs
- Multiple types available
Qualifications:
- Be active or retired military
- Credit score in low-to-mid 600s
- Debt-to-Income (DTI) of 41% or less
How our mission began
Over two decades ago, our leaders started their journey in the mortgage industry and discovered gaps in the traditional mortgage experience. They noted that customers weren’t getting the best care possible because of unclear and outdated processes that interfered with transparency and communication.
As they navigated varying cycles typical to the mortgage industry, worked for large brands, and gained valuable experience through events like the 2008 financial crisis, they grew their reputation and found that customer service is what resonated with customers the most.
Years later, they came together to establish Mission Loans — the industry’s missing piece. Mission Loans is on a mission to master the customer experience of the mortgage process. Our goal is to be more customer-centric than any mortgage company in the country.
Company Values
We prioritize customers
Mission Loans is customer-centric, and that sets us apart from our competitors. This means everything we do is done with the customer’s best interest in mind. We assess your needs, identify the right product for you, and close quickly. We strive to meet your financing needs without the pressure of the fluff.
We have big ambitions.
We don’t conform to antiquated norms in the loan process — we think bigger than that, and that’s what sets us apart. Our innovative, creative minds, ambitious spirits, and top-notch customer service are helping us climb the ladder to becoming the top mortgage company in the nation.
We leverage technology to make life easier.
The world is using technology for practically every aspect of life, so why shouldn’t it apply to the mortgage process as well? Many mortgage companies struggle to make use of all the technology available to them, but we use it to automate tedious manual processes so we can focus on what matters most — building a relationship with customers like you.
We get stuff done.
As a company, we play hard so we can work even harder. Our team of winners knows that failure is not an option when it comes to our customers. At Mission Loans, there’s no drama or half-baked efforts — only hustle to deliver the most legendary experience in the industry. We win every day in finding loans that suit the needs of each of our customers.
We infuse innovation into our processes.
Mission Loans isn’t satisfied with the status quo of the mortgage industry. It’s old, inefficient, and it doesn’t benefit the homebuyer. We’ve put our innovation caps on to come up with new ways to make the process simpler, less stressful, and easier to understand.
We care…really.
We hire customer-centric people, which translates to a deeply caring company culture of team members who want to make a positive impact for all. Homeownership and home loan financing are big steps, and we want to see you win. We take pride in our social partnerships and giving back to our communities so that when you’re winning your community is winning as well.
Apply Today!
It's easy, fast, and simple!
In accordance with Section 326 of the USA Patriot Act of 2001, Mission Loans NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit.
