TRUST
- Confidence is a reliance on or resting the mind on another person's integrity, honesty, justice, friendship, or other sound principles.
- AKA - AZ Financial Mortgage Broker
Updated logo and New website coming soon @ www.azfmb.com
1. eBest
2. eApply
- We have hundreds of mortgage options under one roof and specialize in mortgages only.
- Fastest closings
- Lowest interest rates
- Minimal to no-cost options
- Licensed professional experts
- Very likable and nice people
2. eApply
2. eApply
- LESS paperwork, MORE efficient, safe, and secure from start to finish.
- Apply in minutes and you'll see, mortgage applications have never been this easy!
- Call today, We will guide you every step of the way.
3. eClose
3. eClose
- Now you can sign all your closing docs digitally.
- No more signing until your hand hurts.
- We've adopted the latest tools to make closing convenient.
- Purchase or Refinance with a click closing.
Mortgage Services
Home Purchase & Refinance Loans
- Local with over 31 years of full-time experience.
- Arizona & Illinois licensed.
- Arizona Residential and Investment Mortgage Broker
- Illinois Residential and Investment Mortgage Banker.
- Single Family Residential Homes, Townhouses, High / Low rise Condominiums, and 1-4 unit properties.
- One Stop Shop. We coordinate and facilitate the process of Buying & Selling Real Estate property utilizing Realtors, Title companies, Escrow officers, Appraisers, Attorneys, Home / Pest Inspectors, Insurance agents, Movers, & Nationwide Premium Wholesale Mortgage Lenders
Loan Products & Programs
- Fixed & ARM (Adjustable Rate Mortgages)
- Reverse Mortgages
- FHA
- VA
- USDA
- Jumbo
- Super Jumbo
- Non-QM (Qualified Mortgage) Loans
About AZ Financial
- AZ Financial has established a strong reputation as a top-tier mortgage brokerage firm dedicated to meeting the lending needs of real estate professionals, builders, and homebuyers across Arizona and Illinois. We take the time to understand our clients’ unique needs and goals, offering tailored advice on the best mortgage programs available to ensure a seamless, high-quality experience. With a commitment to integrity, speed, and professionalism, we guide our clients through every step of the mortgage process with exceptional service and care.
10 day Purchase Closings
Attention All Veterans
Why VA Loans Are the Best Choice for Veterans
When comparing mortgage options, VA loans often surpass FHA and Conventional loans due to their lower rates, flexible underwriting, and exclusive benefits.
While every borrower has a “right program” based on their situation, VA loans stand out by offering:
✅ No down payment – A true zero-money-down opportunity.
✅ No mortgage insurance – Plus, lower closing costs to save you money upfront and over time.
✅ Flexible credit & income requirements – Making it easier for eligible borrowers to qualify.
Backed by the U.S. Department of Veterans Affairs (VA), these loans are designed specifically to help active-duty service members, veterans, and certain other eligible groups achieve affordable homeownership.
AZ Financial: Committed to Serving Veterans
At AZ Financial, we honor and appreciate our veterans. That’s why we guarantee the lowest interest rates and closing costs for any purchase or refinance transaction.
Many borrowers mistakenly believe they aren’t ready to buy or don’t realize they qualify. Now is the time to take action! Let our expert team guide you toward homeownership today.
Veterans Crisis Line
If you or a veteran you know is in crisis, support is available. The Veterans Crisis Line connects you with caring responders—many of whom are veterans themselves.
📞 Call 1-800-273-8255 and press 1
📲 Text 838255
Announcements
Get Your Free Mortgage Analysis Today!
Call or text AZ Financial at 480-787-5777 for a complimentary mortgage review for all loan types:
✔ VA
✔ FHA
✔ Conventional
✔ USDA
✔ Purchase & Refinance
Avoid Common Borrower Mistakes
Click Buyers to discover the 7 mistakes borrowers often make—and how to avoid them!
FHA Update – Effective January 1, 2025
FHA now allows a 580 middle credit score for first-time homebuyers. Don’t wait—contact us today to get started!
Arizona Loan Limits for 2023
FHA Loan Limits
- One-Family: $100,000 – $524,225 (up to $1,209,750)
- Two-Family: $100,000 – $671,200 (up to $1,548,975)
- Three-Family: $100,000 – $811,275 (up to $1,872,225)
- Four-Family: $100,000 – $1,008,300 (up to $2,326,875)
Fannie Mae / Freddie Mac Conforming Loan Limits
- One-Family: $150,000 – $806,500
- Two-Family: $150,000 – $1,032,650
- Three-Family: $150,000 – $1,248,150
- Four-Family: $150,000 – $1,551,250
Jumbo / Non-Conforming Loans
- Any loan amount above $806,501
Federal Reserve Meeting Schedule – 2025
- January 31 (Sunday)
- March 20 (Wednesday)
- May 1 (Wednesday)
- June 11-12 (Tuesday/Wednesday)
- July 30-31 (Tuesday/Wednesday)
- September 17-18 (Tuesday/Wednesday)
- November 6-7 (Wednesday/Thursday)
- December 17-18 (Tuesday/Wednesday)
For more FOMC news, visit:
The Fed – Meeting Calendars & Information (federalreserve.gov)
We are the VA Loan Experts
We are the VA Loan Experts
Another Irresistible Offer—Exclusive to AZ Financial!
Veterans, why wait? Stop paying rent and start building equity—buy your home today!
Homeowners, take advantage of a no-cost refinance to lower your monthly payment or consolidate debt. Call or text us now for details. You won’t be disappointed!
What is a VA Loan?
A VA loan is a $0 down payment mortgage option available to Veterans, Service Members, and eligible military spouses. These loans are provided by private lenders and backed by the U.S. Department of Veterans Affairs (VA).
Established in 1944, the VA Home Loan program has helped over 25 million Veterans and active-duty service members achieve homeownership—without the need for a down payment or perfect credit.
In today’s market, VA loans are more valuable than ever. With stricter lending requirements from traditional lenders, VA loans offer a lifeline to Veterans and Military homebuyers who might otherwise struggle with credit score requirements and large down payments.
Like all mortgages, VA loans come with important details to consider. We encourage you to explore our website’s educational resources to understand this exclusive home loan benefit fully.
Ready to get started? Speak with a Licensed Loan Advisor today!
