Arizona mortgage pre-qualification · free · no account needed

Apply online for your mortgage pre-qualification

This is the official Uniform Residential Loan Application — Form 1003 — the same form every lender in America uses. We turned its nine dense pages into ten short steps that save your progress as you go, and a real Arizona loan officer reviews every submission. Most people finish in about 15 minutes.

Handy to have nearby (not required)

  • Ballpark household income (before taxes)
  • Rough balances for bank and retirement accounts
  • Current rent or mortgage payment
  • The price range you have in mind

Missing something? Start anyway. Your answers save on this device and you can come back anytime.

How your information stays safe

  • Only the last 4 digits of your SSN travel through this website
  • Account numbers are masked the same way — last 4 only
  • Until you press submit, your answers live only in your browser
  • Full numbers are shared securely with your loan officer later

Step 1 of 10

The Loan

Autosaves as you go

What you’re buying or refinancing (Section 4).

4a Loan and Property Information

This section asks about the loan’s purpose and the property you want to purchase or refinance.

Loan purpose

An estimate is fine — we’ll fine-tune it together.

Best estimate today.

Property address

1 for a single-family home; 2–4 for a duplex through fourplex.

Occupancy
1. Mixed-Use Property — If you will occupy the property, will you set aside space within the property to operate your own business? (e.g., daycare facility, medical office, beauty/barber shop)
2. Manufactured Home — Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)

4b Other New Mortgage Loans on the Property You are Buying or Refinancing

4c Rental Income on the Property You Want to Purchase

4d Gifts or Grants You Have Been Given or Will Receive for this Loan

Questions people ask before starting

Reviewed by Michael George, NMLS #2280851, Mortgage Genius (AZWM).

Is this the real mortgage application (Form 1003)?

Yes. This is the Uniform Residential Loan Application — Fannie Mae Form 1003, Freddie Mac Form 65, effective 1/2021 — the same form every lender in the country uses. We kept every question and answer choice from the official form and split it into short steps so it feels less like paperwork.

What should I have ready before I start?

A ballpark of your household income, roughly what you have in bank and retirement accounts, your current rent or mortgage payment, and the price range you have in mind. You do not need documents to start. Your progress saves automatically on this device, so you can finish later.

How is my information protected?

Your full Social Security number and account numbers never leave this website. The form keeps only the last four digits, and you share complete numbers securely with your loan officer later, the way the form’s own instructions allow. Before you submit, your answers live only in your own browser.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate based on what you tell us — free, quick, and a great first step. Pre-approval goes deeper: documents are verified and your credit is pulled, which carries more weight with sellers. This application starts the process, and your loan officer will tell you exactly what’s needed for either one.

Prefer to talk it through first? Call (480) 613-8040 — a real person picks up.

Mortgage Genius (AZWM) · NMLS #2280851 · Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.