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Your dream home journey starts here.


The Moore-MacFerren Group is a top producing mortgage team for West Capital Lending.

Melissa MacFerren and Erin Moore of the Moore-MacFerren Group

Recognized in the top 1% of all Mortgage Originators in the United States, Erin Moore and Melissa MacFerren promote the best customer service experience by providing their clients and business partners with the expertise they require, the professionalism they expect, and the compassion they deserve. No matter where you are in your home buying adventure, from purchases to refinances to remodels - we're here to help.

We currently lend in the following states, Arizona, California, Oregon, Washington and Colorado. Continue to check back as this list grows. For more information please visit this site.

Northern Arizona Housing Fund

Put homes within reach for those in need in our community.

Housing costs are on the rise, creating a critical shortage of affordable housing. Your donation (amplified by our dollar-for-dollar match), can help low-income families, our local workforce and individuals experiencing homelessness secure affordable housing.

Loan Programs

Loans as unique as you are.

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Standard Loan Programs

  • Conventional. Popular with seasoned buyers who have a stable income and a higher than average credit score.

  • FHA. Good for first time homebuyers with a more limited credit history. Requires a smaller down payment (around 3.5%).

  • Jumbo. For homes above the conforming loan limits. Options for 5% down and no mortgage insurance.

  • VA. For veterans and active-duty service members. No down payment, no PMI and no prepayment penalty.

  • USDA. For homes outside major cities. Nearly 97% of all homes are eligible. Requires no down payment.

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Renovation & New Construction

  • CONV. For cosmetic improvements with as little as 5% down. 

  • FHA 203K. Quick projects up to $35k and as little as 3.5% down.

  • JUMBO. Financing up to $1M with at least 10% down.

  • VA. No down payment, no PMI and loan amounts up to $1M.

  • USDA. 100% financing and can be used for any type of repair.

  • One Time Close. Finance a new build where your lot purchase, construction costs and mortgage are all rolled into one payment.

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Down Payment Assistance

  • Home Plus. Provides up to 5% assistance with income limits around $122K. Can use with most standard loan programs.

  • Housing Solutions NAZ. For low income, first time buyers. 

  • Dream House Foundation. Offers an FHA grant of 3.5% with no repayment required. 

  • Chenoa. Financial assistance between 3.5 to 5%. Repayment required.

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  • Temporary Rate Buydown. Reduce interest rate up for 3% below current rate.

  • HUD 184. Financing for Native American borrowers. No income limits and no minimum credit score required.

  • Self-employed Loans. Multiple options for qualifying borrowers with 1099 income.

  • Non-warrantable Condos. Financing options for condos that don't meet regulatory guidelines.

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Other Unique Options

  • HELOC/HELOAN. Access up to 85% of your home's equity to consolidate your debt or make renovations.

  • Bridge Loans. Use a portion of your current home's equity as a source of funding for a new home.

  • 40 Year Term. Decrease your monthly payment by extended your repayment terms.

  • Reverse Mortgage. Use your home's equity to fund aging-in-place modifications, healthcare costs or daily living expenses.


Meet the ladies behind your home loan.

Erin Moore Headshot
Erin Moore
Branch Manager, NMLS ID: 177569

Erin is an Arizona native, that has enjoyed most of her life in the beautiful mountains of Flagstaff. After receiving two degrees from Northern Arizona University, Erin began a career in banking in 2000. Since then, Erin has advanced to become a top-producing loan officer, and has excelled at providing clients with the best home buying experience possible.  Erin has earned the reputation of being a knowledgeable lender, and often teaches classes to instruct homebuyers. When she's not working, Erin enjoys time with her husband and three amazing children, as well as her two dogs, Chunk and Molly. Erin is also a jazz fan and vintage Volkswagen enthusiast, and can often be seen driving around town in her 1965 VW Beetle. 

Melissa MacFerren
Branch Manager, NMLS ID: 914787

Melissa was born and raised in Arizona, but relocated to Orlando, Florida in 1999 and began her career in commercial insurance. Her and her husband spent almost seven years in Florida but after having their son in 2004 they decided to move back home to Arizona to be closer to family. Melissa continued working in the commercial insurance industry for the next eight years working her way up to an account executive position. In June of 2012 Melissa decided to make a big change and became a team loan originator working with one of the best lenders in the business, Erin Moore. Melissa has worked on the Moore-MacFerren Group since joining the lending world and enjoys helping people achieve their home ownership dreams. 

Melissa MacFerren Headshot


The tools you need to help your business succeed

With our joint marketing assets we can help you impress your clients, grow your brand and take your business to the next level.

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Open House Flyers

Spread the word of your listings with our open house flyers, which include both your info and ours, along with current financing terms.

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The Homebuyer Guide

Give your customers a comprehensive overview of the entire loan process with our in-depth first-time homebuyers guide.

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Custom Joint Marketing Assets

Whether you need materials for a specific product, social media assets or individual guidance, we've got the tools to help you diversify your approach.

The market is always changing. Stay up to date with these quick links.

Loan Limits

Loan limits are constantly changing. Stay up to date on the maximum loan limits by county or state.

View approved condos. If a condo isn't listed, it might mean it requires work before it can qualify for financing.
Down Payment Assistance
NAZ Housing Solutions offers first-time buyer counseling, down payment help and more for qualifying applicants.


Max Seller Concessions Allowed


I have been a Realtor in Flagstaff for 40 years, and our family has sold and purchased many homes. We have worked with The Moore-MacFerren Team at Prime Lending for our mortgages, Erin has always gone the extra mile for us. With Erin and Melissa on your team, your home financing will be a success!

Janie J.

Flagstaff, Arizona

Let's sum up your savings

Use the calculators below to run some numbers and explore payment and affordability options that work for you.

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