We help borrowers throughout Arizona find financing that fits their property, income, and goals. From a first home purchase to an investment property refinance, we bring multiple lending options to the conversation.
We are an Arizona mortgage broker specializing in Non-QM lending, with access to conventional, government-backed, jumbo, and alternative-documentation mortgage programs. Our job is to compare lenders, shop rates and closing costs, and help you understand your choices.
Serving All of Arizona
If your property is located in Arizona, we welcome the opportunity to review your financing needs. We work with borrowers in Phoenix, Tucson, Mesa, Scottsdale, Chandler, Gilbert, Glendale, Tempe, Peoria, Surprise, Flagstaff, Prescott, Sedona, Yuma, Lake Havasu City, and communities across the state.
Your property does not need to be in a major city to start a conversation with us. We also review scenarios involving smaller towns, rural locations, and properties that require a closer look at lender eligibility.
The Advantage of Working With a Mortgage Broker
A lender can only offer the programs it has available. As a mortgage broker, we can review your scenario across multiple lending sources. That matters when one lender’s requirements do not fit your circumstances. Another may take a different approach to income documentation, property eligibility, credit history, or loan structure. Instead of making you fit one lender’s criteria, we find a lender and program that fit your qualifications.
We Shop Rates and Closing Costs
Comparing mortgages requires more than looking at an advertised interest rate. We review wholesale pricing from participating lenders and compare the costs of each option. That includes the relationship between the rate, points, lender fees, and potential lender credits.
- Interest rate and monthly payment
- Points and lender charges
- Estimated closing costs
- Cash needed to close
- Repayment term and loan features
Wholesale access gives us another way to compete for your business. Pricing varies by borrower, lender, and market conditions, so we focus on showing you the numbers rather than promising that one channel always costs less.
Specializing in Non-QM Lending
Not every qualified borrower earns income through a straightforward W-2 paycheck. Business owners, independent contractors, real estate investors, retirees, and borrowers with substantial assets may need a different qualification method. Non-QM lending is central to what we do.
- Bank statement loans for qualifying self-employed borrowers.
- Profit-and-loss programs using eligible business income documentation.
- 1099 income programs for independent contractors.
- Asset utilization and asset-based qualification for borrowers with eligible financial assets.
- DSCR loans for qualifying rental property investors.
- Other alternative-documentation programs for scenarios that need individual review.
Conventional Mortgage Options, Too
Our focus on Non-QM does not mean we overlook conventional financing.
- Conventional home loans
- FHA loans
- VA loans
- USDA financing for eligible rural properties
- Jumbo mortgages
- Purchase and refinance loans
- Cash-out refinancing
- HELOCs and home equity loans
- Investment property financing
Bring Us the Scenario
A complicated application deserves a thoughtful review. You may be self-employed, purchasing an unusual property, managing several rentals, or trying to qualify after another lender said no. Let us know what you are working toward and what’s been challenging.
Multiple lender relationships give us more options. While every loan must meet underwriting requirements, we can explore alternatives rather than ending the conversation at the first mismatch.
Let Us Shop Your Arizona Mortgage
If you are buying your first home, refinancing an existing mortgage, or financing your next investment, start with a broker who can compare multiple lenders for you.