Arizona Mortgage Program Selector
Answer seven quick questions and see which 2026 Arizona mortgage program is your best starting point. This tool routes you; it never quotes a rate. Edge cases that touch two or three programs get pointed to a 20-minute call instead of a forced answer.
Program figures verified July 2026 — details change; confirm your scenario with us.
Not sure the tool got it right? Talk to Mike — No Obligation, No Script
Edge cases are Mike's specialty. He reviews every inquiry personally and usually responds the same business day.
Selector FAQ
How does the Arizona mortgage program selector decide which loan fits?
It applies a simple decision tree to your 7 answers. Investment property routes to DSCR; full VA eligibility routes to VA; self-employed income routes to bank statement, P&L, or asset paths; needing to sell first routes to Buy Before You Sell; a target price above the 2026 conforming limit of $832,750 routes to jumbo or Medical Professionals jumbo; a small down payment with mid-range credit flags down payment assistance. It is a starting point, not a program determination.
Does the program selector quote an interest rate?
No. This tool only routes you to the program that fits your situation. It never shows or estimates an interest rate, because pricing depends on credit, loan-to-value, program, and lock and is set during a consultation. Final eligibility for any 2026 program depends on full underwriting.
What if my situation matches more than one program?
Some buyers touch two or three programs at once, such as a self-employed Veteran buying a rental. When the answers do not resolve to a single path, the selector says so and recommends a 20-minute call with Mike rather than forcing one answer, because those overlap cases are exactly where a person beats a decision tree.
Related: affordability calculator · all Arizona loan programs · program guide.