Your Stress-Free Home Loan Solution

We are your source for Home Loans in Arizona.

Need Help Getting Started?

Buying A Home
Let’s Refinance
Buying A Home
Let’s Refinance

Quick Mortgage Calculator

Arizona Simple Mortgage Calculator

Input

$319000
$50000$999999
2.972%
2.5%5%
30years
10years30years

Monthly Mortgage Payment

Home Loans In Arizona

If you’re looking to invest in a home in the future, or to get home loans in Arizona, it can be a stressful process to fathom. Potential Arizona homeowners can have a number of questions. With so many moving pieces and a deep-sea of information, it can appear difficult to stay afloat. However, at Spire Financial we make the process simple and easy.

Not Sure Where To Start? Get The Answers.

Come to us with your questions about home loans in Arizona and we will walk you through every step of the way.

The Arizona Down Payment Assistance Program is a program set up to help homeowners with low-interest loans to reduce down payment costs. In order to receive this assistance, the following combination is provided. A 30-year fixed-rate mortgage in addition to down payment assistance (DPA) ranging from 0% – 5%

The Home+Plus Home Buyer Down Payment Assistance Program is a popular service offered in the state of Arizona to help those who are looking to get home loans in Arizona with down payment assistance. Home+Plus provides a 30-year fixed-rate mortgage combined with down payment assistance (DPA) ranging from 0% – 5% depending upon the new underlying first mortgage. Read more here.

The best way to get a better idea of the costs associated with FHA mortgages is to use an FHA loan calculator. When you plug in the numbers to an FHA loan calculator, you will come to understand what is practical for you and what your approach should be to buying a home.

Conventional mortgages require higher down payments than FHA loans. While the down payments for FHA loans sits at 3.5%, a conventional loan down payment could be anywhere from 5% to 20%. If you have the cash needed for the down payment for a conventional mortgage, it could be the right choice for you.

If you are looking to receive an FHA loan, it can be comforting to know that FHA loans are easier to qualify in comparison to other more traditional home loans in Arizona. There are three main requirements. First, your credit score should be over 580 to receive an FHA loan. FHA loans also only require a 3.5% down payment. Finally, a steady, consistent record of employment will help you qualify.

The process is simple and straightforward. The first step takes only a few minutes to complete. You can begin the process now with an online FHA loan application. The application involves a short series of questions regarding your finances, family situation, and the timeline for when you will begin to buy a home.

Our Team

Michael Freeman

Area Manager

Sr. Mortgage Loan Officer

Ryan Bolger

Production Manager

Sr. Loan Officer

Charlie James

Mortgage Loan Officer

JC Lespron

Mortgage Loan Officer

Joel Reikes

Mortgage Loan Officer

Ryan Zamudio

Mortgage Loan Officer
HAVE A FEW MORE QUESTIONS?

Our Loan Experts Can Help

In summary, a mortgage loan officer determines a potential homeowner’s eligibility for a mortgage or home purchasing loan. Loan officers gather and review an individual’s financial information and use this in determining and submitting a mortgage loan application.

The straightforward answer is yes. A mortgage loan officer will help you get the best deal possible on your mortgage by offering the most accurate and competitive rates. Beyond saving you money, loan officers also serve as teachers that walk you through each step of the home buying process and answer any questions you might have. You can trust Spire Financial to provide you with the best and lowest rates available and to teach you along the way.

No, loan officers and mortgage brokers are not the same. They are both licensed professionals who will help you receive a mortgage for your home. However, there are a couple of differences. One of the main differences is who they work for. Loan officers work for a bank or credit union whereas mortgage brokers work for a number of different lenders.

Due to the sheer number of different mortgage and loan types, it is difficult to put a number to this question. The average interest rates for many mortgages sit between 2-3%. However, researching good rates for the mortgage you are looking to invest in would be a wise decision.

Mortgage rates continuously fluctuate depending on economic conditions. In general, economic improvements correlate with increases in mortgage rates. Each week, rates rise and fall. For this reason, it is valuable to research and consult with experts to find the proper window of opportunity.

As the name claims, an adjustable-rate mortgage (ARM) is a mortgage in which the interest rate changes during the life of the mortgage. The interest rate fluctuates with the market conditions. Some pros of ARMs are lower rates and payments earlier in the loan period. Adjustable-rate mortgages have the potential to be riskier for borrowers because the risk shifts from the lender onto them. With that being said, consult with one of our loan officers today to see if an ARM is a right choice for you.

A number of different factors play into the determination of mortgage rates. In general, lenders set interest rates in relation to the risk associated with the loans. This is why a credit score and steady employment are crucial to qualifying for and receiving good rates for a mortgage. Another significant factor is the loan-to-value ratio. The lower the mortgage is in relation to the cost of the home, the better.

Buying A Home
Let’s Refinance
Contact an Expert Today!
Call Now
Arizona General Form

I agree to be contacted by Spire Financial

HAVE A FEW MORE QUESTIONS?

Our Loan Experts Can Help

In summary, a mortgage loan officer determines a potential homeowner’s eligibility for a mortgage or home purchasing loan. Loan officers gather and review an individual’s financial information and use this in determining and submitting a mortgage loan application.

The straightforward answer is yes. A mortgage loan officer will help you get the best deal possible on your mortgage by offering the most accurate and competitive rates. Beyond saving you money, loan officers also serve as teachers that walk you through each step of the home buying process and answer any questions you might have. You can trust Spire Financial to provide you with the best and lowest rates available and to teach you along the way.

No, loan officers and mortgage brokers are not the same. They are both licensed professionals who will help you receive a mortgage for your home. However, there are a couple of differences. One of the main differences is who they work for. Loan officers work for a bank or credit union whereas mortgage brokers work for a number of different lenders.

Due to the sheer number of different mortgage and loan types, it is difficult to put a number to this question. The average interest rates for many mortgages sit between 2-3%. However, researching good rates for the mortgage you are looking to invest in would be a wise decision.

Mortgage rates continuously fluctuate depending on economic conditions. In general, economic improvements correlate with increases in mortgage rates. Each week, rates rise and fall. For this reason, it is valuable to research and consult with experts to find the proper window of opportunity.

As the name claims, an adjustable-rate mortgage (ARM) is a mortgage in which the interest rate changes during the life of the mortgage. The interest rate fluctuates with the market conditions. Some pros of ARMs are lower rates and payments earlier in the loan period. Adjustable-rate mortgages have the potential to be riskier for borrowers because the risk shifts from the lender onto them. With that being said, consult with one of our loan officers today to see if an ARM is a right choice for you.

A number of different factors play into the determination of mortgage rates. In general, lenders set interest rates in relation to the risk associated with the loans. This is why a credit score and steady employment are crucial to qualifying for and receiving good rates for a mortgage. Another significant factor is the loan-to-value ratio. The lower the mortgage is in relation to the cost of the home, the better.

Buying A Home
Let’s Refinance

TALK TO OUR TEAM TODAY

Contact an Expert Today!
Call Now
Arizona General Form

I agree to be contacted by Spire Financial

Figure Out How To Qualify For A FHA Loan!

Looking for FHA loan requirements in Arizona? Generally speaking, the requirements for FHA loans are lower than those of conventional home loans in Arizona. Here is a condensed list of how you can meet the qualifications for FHA loan applicants:

  • The minimum FHA loan credit score is 580 in order to qualify for an FHA loan

  • FHA also only requires a 3.5% down payment and this can come from a gift or many times a Down Payment Assistance program

  • Steady employment record

If you do not meet the previously stated requirements, you can begin to work towards them now. Start to repair your credit score. You will be able to receive a better interest rate and monthly payment when your credit score is higher.

Get started today on the process of receiving an FHA loan. A useful step will be using our FHA loan calculator in order to figure out the costs entailed in an FHA loan.

Figure Out How To Qualify For A FHA Loan!

Looking for FHA loan requirements in Arizona? Generally speaking, the requirements for FHA loans are lower than those of conventional loans. Here is a condensed list of how you can meet the qualifications for FHA loan appl