We at Arizona Wholesale Mortgage pride ourselves on finding the best mortgage loans to match each and every client’s highly individualized needs. Although our home office is in Phoenix, we are licensed to provide mortgages throughout the Great State of Arizona.
If our clients are not satisfied, than we are not satisfied.
This is your mortgage and this is important to you. There is no reason for you to deal with “customer service reps” in a call center located in New York City.
Even worse, some mortgage companies have call centers in foreign countries.
We think Arizona deserves better.
We work hard to help our clients secure the best possible mortgage for each client’s unique mortgage needs. We believe in doing business honestly and with integrity. It may sound cliché and “old fashion”, but we have old fashion company values.
Please navigate our website to learn more about our mortgage company; how we can meet your mortgage loan needs; and just how easy it is to get started.
We have survived the toughest of times in the mortgage business, because– among other things– we believe in this fundamental principal of doing business:
We treat our clients with respect, and treat each and every client as we ourselves expect to be treated.
This means you will deal with professional Arizona mortgage loan officers– seasoned mortgage professionals– instead of customer service agents who can only respond to your mortgage questions by reading answers from a computer monitor.
It means that we are personally invested in every client’s loan, as each and every loan we provide affects each and every person at this company.
It means that if we want to compete against the bigger banks, we need to offer our loan clients a better rate, better service, and all all-around better lending experience than our competition.
Our licensed Arizona mortgage brokers will give you the personal attention you deserve and treat you with respect.
Our website is currently undergoing some improvements and if you are reading this, that means we are still renovating the section of the website that contains our famously low Arizona mortgage rates. We sincerely apologize for this inconvenience.
However, if you need a mortgage rate quote now, please use our contact form and let us know exactly what type of home loan you are interested in.
The appropriate loan professional will respond with an accurate rate quote based on your specific mortgage needs on the same business day.
Although mortgage rates occasionally change in the middle of the day, it is very rare. The great majority of the time, mortgage rates post in the morning and stay that way until the close of the banking day.
This is important to the Arizona rates shopper because: Mortgage rate locks need to be turned in before 5:00PM, Arizona time at this and most other Arizona mortgage companies.
If you are interested in getting a rate quote and possibly locking a mortgage rate, it is always best to start your banking business in the morning, no matter where you live, but especially for those of us who live out West.
The professionals at Arizona Wholesale Mortgage understand that refinancing your mortgage can be a headache, which is why we’ve streamlined the lending process as much as possible.
We can often refinance an Arizona mortgage without bank statements or even check stubs.
Need to refinance a conventional Fannie Mae loan?
Fannie Mae has been tightening refinance guidelines and qualification requirements across the board. This is an unusual situation, because conventional mortgages have traditionally been the easiest type of loan to refinance.
We know what it takes to get a conventional loan approved in Arizona and if anyone can help you, we can.
Please use our Arizona Refinance Application to supply us with some information, and a loan officer will be in touch to discuss conventional loan refinance rates and costs.
If you need an FHA streamline refinance or a VA streamline refinance, your approval is almost guaranteed. As long as you have been making your current mortgage payments on time for the last twelve months, we can help you with an FHA or VA streamline refinance.
The reason it is called a “streamline” refinance is because we do not need any income or bank account documentation from the our client. As long as you have made all of your past mortgage payments on time for the past twelve months, we can refinance your Arizona FHA or VA mortgage with hardly much more than your signature.
We can even help you gather the documents necessary to close your loan, if you need us to. It is very common for our loan officers to help clients gather bank statements or acquire lost tax returns. Just ask us and we’ll be happy to help.
An Arizona jumbo mortgage (a.k.a. jumbo home loan) is a mortgage with a principal amount that exceeds $417,000. There are a couple of states with exceptions to the jumbo loan limits (AK and HI), but Arizona jumbo loans start at $417K.
Arizona Wholesale Mortgage has been providing jumbo mortgage loans to our satisfied clients since 1998. Our experience with this very unique home loan is extensive.
Our jumbo loan center is located in Phoenix, AZ, but we have lending offices and loan officers working all over the state.
We will always beat our competition’s lowest rate with any jumbo loan, no matter the size. Call you bank for a mortgage rate quote and then call us to compare. We welcome the opportunity to help you.
We want to earn your jumbo loan and we want to earn it by providing you the best rate and closing costs you can find, matched with our outstanding customer-service. We have created an informational page for jumbo mortgage loans here.
We’ll help you find the home equity loan that’s right for you- be it a “pool loan”, debt consolidation, or just to take a much-deserved vacation.
In Arizona, because swimming pools are so common, home equity loans are often marketed as “pool loans.”
It is a big mistake to take pool loan financing from a your pool company. This is the equivalent of getting auto financing from the used car dealership, instead of finding the lowest rate.
Oftentimes, pool loans– which is just a another way of saying “home equity loan”– will be 10 points higher than ours. In other words, if the pool company offers you a loan at 15%, we will likely be around 5%.
Our Home Equity Line of Credit loans (a.k.a. HELOC loans) are the most competitive in Arizona. We offer an interest-only home equity line of credit or a fixed rate “second mortgage.” We will help you choose the most appropriate home equity loan, based on how long you intend to keep the loan and what your particular intentions are. Most importantly, we will explain exactly why we recommend a particular mortgage product.
We want our mortgage clients to be well-informed and comfortable in their decision to deal with us.
Note: Although our headquarters are located in Phoenix – we have mortgage brokers working all over the State of Arizona. In addition to our Arizona offices, we also provide mortgage loans in New Mexico.