Arizona Mortgage Services
Comprehensive home loan solutions for buyers, refinancers, and investors across Phoenix, Tucson, and all of Arizona
🏠 Home Purchase Loans
Whether you’re buying your first home or your dream home, we have the right loan program for you.
Conventional Loans
Traditional financing with as little as 3% down. Great rates and flexible terms.
- 3% – 20% down payment
- Competitive rates
- 15 or 30-year terms
FHA Loans
Low down payments and flexible credit. Perfect for first-time buyers.
- As low as 3.5% down
- Credit scores from 580+
- First-time buyer friendly
VA Loans
Zero down payment for veterans and active military. No PMI required.
- 0% down payment
- No mortgage insurance
- Competitive rates
USDA Loans
100% financing for eligible rural and suburban Arizona properties.
- 0% down payment
- Low mortgage insurance
- Rural property eligible
Jumbo Loans
Luxury home financing for high-value Arizona properties.
- Loans above $766,550
- Competitive jumbo rates
- Scottsdale & luxury markets
First-Time Homebuyer
Special programs and guidance for Arizona first-time buyers.
- Down payment assistance
- Educational resources
- Low down payment options
💰 Refinancing Solutions
Lower your rate, reduce your payment, or access your home’s equity with our refinancing options.
Rate & Term Refinance
Lower your interest rate or change your loan term to save money monthly.
- Lower monthly payment
- Reduce interest rate
- Shorten loan term
Cash-Out Refinance
Turn your home equity into cash for renovations or debt consolidation.
- Access home equity
- Debt consolidation
- Home improvements
Streamline Refinance
Fast refinancing for existing FHA, VA, and USDA borrowers.
- Minimal documentation
- No appraisal needed
- Quick approval
📊 Mortgage Types
Choose the right mortgage structure for your financial goals and timeline.
Fixed-Rate Mortgages
Lock in your rate for the life of the loan with predictable payments.
- 15 or 30-year terms
- Rate never changes
- Predictable payments
Adjustable-Rate Mortgages
Lower initial rate that adjusts. Great for 5-10 year plans.
- Lower initial rate
- 5/1, 7/1, 10/1 ARM options
- Fixed period then adjusts
Interest-Only Mortgages
Pay only interest initially, then switch to full payments.
- Lower initial payments
- Flexible payment options
- Good for certain situations
⭐ Specialty Programs
Unique financing solutions for specific situations and property types.
Construction Loans
Build your dream home with construction-to-permanent financing.
- New home construction
- One-time close loans
- Construction expertise
Reverse Mortgages
Convert home equity into retirement income for Arizona seniors 62+.
- Age 62+ required
- No monthly payments
- Access home equity
Investment Property
Finance rental properties and investment real estate in Arizona.
- Rental property financing
- Multi-unit properties
- Investment strategies
Home Equity & HELOC
Tap into your home’s equity with a lump sum or line of credit.
- Fixed rate or line of credit
- Home improvements
- Competitive rates
Bridge Loans
Short-term financing to buy before you sell your current home.
- Short-term solution
- Buy before you sell
- Competitive terms
Ready to Get Started?
Let’s discuss which Arizona mortgage solution is right for you. Get pre-approved in minutes or schedule a free consultation.
📞 Call Todd: (480) 788-6061 | NMLS# 1525192