Buy Your Dream Home inArizona
From Phoenix sunsets to Flagstaff pines, find the right mortgage for your Arizona home. We work with 50+ lenders to get you the best rate—not just one bank's offer.
Arizona Home Purchase Loan Options
As a licensed Arizona mortgage broker, we compare rates from dozens of lenders—banks, credit unions, and wholesale lenders—to find you the best deal.
FHA Loans
Government-backed mortgages ideal for first-time Arizona buyers. Lower credit requirements and down payment assistance compatible.
- 580+ credit score
- Gift funds allowed
- HOME Plus compatible
VA Loans
Arizona has one of the largest veteran populations in the country. Honor your service with zero down payment and no PMI.
- No PMI ever
- No loan limits
- Luke AFB & Fort Huachuca
USDA Loans
Zero down payment for rural Arizona—and more areas qualify than you think. Parts of Pinal, Yavapai, and Cochise counties are eligible.
- 100% financing
- Below-market rates
- Suburban areas OK
Conventional
Traditional mortgages with competitive rates for qualified Arizona buyers. PMI drops off once you reach 20% equity.
- PMI removal option
- Higher loan limits
- Investment property OK
Jumbo Loans
Financing for Arizona luxury properties in Paradise Valley, Scottsdale, and Cave Creek that exceed conforming loan limits.
- Up to $3M+
- 10-20% down typical
- Strong credit required
First-Time Buyers
Arizona offers some of the best down payment assistance in the nation. HOME Plus provides up to 5% in forgivable or repayable assistance.
- HOME Plus program
- Pathway to Purchase
- Tax credits available
Buying a Home in Arizona
Arizona's real estate market offers incredible diversity—from the bustling Phoenix metro (the 5th largest city in the US) to the mountain retreats of Flagstaff and Prescott, from the desert beauty of Sedona to the border communities of Tucson and Yuma.
With no state tax on Social Security, a low cost of living compared to California, and 300+ days of sunshine, Arizona continues to attract new residents. The state's population has grown by over 1 million in the last decade.
That's where working with a licensed Arizona mortgage broker makes the difference. We know the local market—which neighborhoods are appreciating, which areas qualify for USDA loans, and how to navigate Arizona's unique property considerations like HOA requirements and irrigation rights.
Ready to Buy in Arizona?
Get pre-qualified in minutes. We'll show you exactly how much home you can afford and which Arizona loan programs fit your situation.
Start Your Pre-QualificationArizona DPA Programs
Arizona offers some of the most generous down payment assistance in the country. Here are the top programs we work with.
HOME Plus
Up to 5% of the loan amount as a forgivable or repayable second mortgage. Works with FHA, VA, USDA, and conventional loans.
Pathway to Purchase
Maricopa County program offering up to 3% for down payment and closing costs. Income limits apply based on household size.
Home in Five Advantage
Maricopa County IDA program with competitive rates and up to 5% in assistance. Forgivable after 3 years of residency.
Serving All Major Arizona Markets
From the Valley of the Sun to the mountains of Northern Arizona, we help buyers in every corner of the state.
Phoenix Metro
The 5th largest metro in the US, including Phoenix, Scottsdale, Mesa, Chandler, Gilbert, and Tempe. Median price around $450K.
Tucson & Southern AZ
Arizona's second-largest city with more affordable prices. Strong military presence at Davis-Monthan AFB. Median around $350K.
Northern Arizona
Flagstaff, Prescott, and Sedona offer cooler climates and mountain living. Many areas qualify for USDA zero-down loans.