Arizona home loans, qualified the way you earn.
AZMortgage.com is an Arizona mortgage broker. We compare lenders for self-employed borrowers, real estate investors and anyone whose income doesn't fit a standard file, and we put the numbers side by side.
NMLS #2246769. Office in Oro Valley, working with borrowers anywhere in Arizona, from Phoenix and Tucson to small towns and rural properties.
How do you earn?
Mortgage guidelines can be complicated. Your first step doesn't have to be. Find the line that sounds like you: it shows where we'd start looking.
- I'm on a W-2 paycheck, or I file straightforward tax returns.
- Conventional, FHA or VA loanAgency financing for purchase and refinance. VA benefits for eligible veterans, service members and qualifying spouses.
- I own a business, and my bank deposits tell the story better than my tax return.
- Bank statement loanQualify using eligible personal or business bank statement deposits instead of tax-return income.
- I'm self-employed and can show a profit and loss statement.
- P&L loanAlternative income documentation for eligible self-employed borrowers, using a qualifying profit and loss statement.
- I'm an independent contractor paid on 1099s.
- 1099 income programQualification based on 1099 income for independent contractors.
- I'm buying or refinancing a rental property.
- DSCR investor loanQualify primarily on the rental property's cash flow rather than your personal income.
- I have substantial savings or investments, and less monthly income.
- Asset utilization loanUse eligible liquid assets as another way to show the financial strength needed to qualify.
- My employer can confirm my income in writing.
- Written verification of employment loanQualification based on a written verification of employment from your employer.
- I file taxes with an ITIN, not a Social Security number.
- ITIN loanMortgage options for eligible borrowers using an Individual Taxpayer Identification Number.
- Another lender already said no.
- A second look across several lendersOne lender's requirements may not fit your circumstances. Another may treat income, property or credit history differently.
See all loan programs. These are starting points, not approvals. Every loan still has to meet the lender's underwriting requirements, and we'll tell you plainly what that means for your file.
One lender has one set of rules. We look across several.
A lender can only offer the programs it has. As a mortgage broker, we review your scenario across multiple lending sources, so instead of making you fit one lender's criteria, we look for a lender and program that fit you.
Comparing mortgages takes more than an advertised rate. We review wholesale pricing from participating lenders and show you how the rate, points, lender fees and any lender credits work together. Pricing varies by borrower, lender and market, so we show you the numbers rather than promise that one channel always costs less.
“The best mortgage strategy starts by understanding the whole scenario, not forcing the borrower into the first available program.”
What we compare for you
- Interest rate and monthly payment
- Points and lender charges
- Estimated closing costs
- Cash needed to close
- Repayment term and loan features
Whatever you're financing
Our focus on Non-QM doesn't mean we overlook the standard routes. These sit under the same roof.
Buying a home
Purchase loans for a first home, a move up, a second home or an investment property.
Refinancing
Rate-and-term and cash-out refinancing, including investment properties.
Home equity
HELOCs and second mortgages that access equity while keeping your existing first mortgage.
Jumbo and super jumbo
Large-balance financing for higher-value Arizona properties.
USDA
Financing for eligible rural properties.
Foreign nationals
Foreign national programs for eligible borrowers financing Arizona property.
Anywhere in Arizona
If the property is in Arizona, we'll review it: Phoenix, Tucson, Mesa, Scottsdale, Chandler, Gilbert, Glendale, Tempe, Peoria, Surprise, Flagstaff, Prescott, Sedona, Yuma, Lake Havasu City, and the communities in between.
Your property doesn't need to be in a major city to start a conversation. We also review scenarios involving smaller towns, rural locations and properties that need a closer look at lender eligibility.
Bring us the scenario
Self-employed, buying an unusual property, managing several rentals, or trying to qualify after another lender said no: tell us what you're working toward and what's been difficult. You don't need everything figured out before you call.
- Call
- 602-838-5785
- Office
- 1846 E Innovation Park Dr, Oro Valley, AZ 85755
- License
- NMLS #2246769
Fast quote
Tell us what you're looking to accomplish. Sending this starts a conversation; it doesn't commit you to a loan.