Resources
Plain-English guides for Arizona homebuyers.
No jargon. No fluff. Just real explanations from someone who originates the loans, with examples that match what Phoenix and Arizona buyers actually run into.
Program figures verified July 2026 — details change; confirm your scenario with us.
For first-time buyers
- Down Payment Assistance, explained from scratch: What DPA actually is, who qualifies, what "forgivable" means, when it's worth it
- Forgivable vs. Repayable DPA: The math on each program type and when one beats the other
- When NOT to use DPA: Yes, sometimes saving longer is the better move
- All Arizona DPA programs at a glance: Home Plus, Home In 5, Flagstaff CHAP, Sedona SWHAP, Cottonwood CHP, Chenoa, Arrive, Essex/NHF
- First-Time Buyer paths beyond DPA: FHA, USDA, Conventional 97, layered combos
For self-employed buyers
- The self-employed mortgage problem (and three solutions): Why tax returns hurt you and what to do instead
- Bank Statement Loans: Qualify on eligible deposits adjusted by the program's required expense factor, not what's left after tax deductions
- 1099 Loans: For contractors and self-employed earners with clean 1099s
- Asset Qualifier Loans: Qualify on liquid assets without an income calculation
For move-up buyers
- Buy Before You Sell — the bridge financing guide: Buy your next home before your current one closes
- Removing offer contingencies with bridge loans: For the buyer who wants their offer to read as cash-equivalent
For jumbo and high-income buyers
- Full Doc Jumbo: Standard jumbo with W-2 / tax-return docs
- Alt Doc Jumbo: Jumbo with bank statements / 1099 / asset qualifier
- Medical Professionals Jumbo: Up to 100% LTV with NO PMI for MD, DO, DDS, DMD, and others
- Super Jumbo: Loan amounts above $2M
For investors
- DSCR Loans (qualifies on rental income, not yours): Including below-1.0 DSCR financing
- Short-Term Rental Loans: Built for AZ Airbnb / VRBO markets
For real estate agents
- The For Agents playbook: CCBS rescue, complex-doc buyers, jumbo with student debt, RESPA-compliant co-marketing
Arizona program guides & 2026 references
- Arizona Mortgage Programs: the full 2026 program map with a decision checklist
- 2026 Arizona FHA Loan Limits by County: $541,287 floor, $557,750 Maricopa/Pinal, $609,500 Coconino
- FHA Loan Arizona: down payment, MIP, gift funds, county limits
- Arizona Closing Costs: seller-concession caps, lender credits, DPA interaction
- Arizona Mortgage Timeline: pre-approval to funding, stage by stage
- DSCR Loan Arizona: qualify on rental income, not personal income
- Self-Employed Mortgage Arizona: bank statement, P&L, asset, and DSCR paths
Calculators & tools
- Arizona Mortgage Affordability Calculator: max home price across FHA, conventional, VA, and USDA (you enter your own rate)
- Arizona Mortgage Program Selector: a 7-question routing tool to the program that fits you
City & metro lender guides
- Phoenix Mortgage Lender
- Scottsdale Mortgage Lender
- East Valley Mortgage Lender (Gilbert, Chandler, Mesa, Tempe)
- Tucson Mortgage Lender
Ready when you are.
Get pre-approved in 24-48 hours, or talk to Mike first to figure out which path fits.