We Love Our Veterans

Attention All Veterans


Veterans Affairs (VA) loans are better than FHA and Conventional loans.

There is a “right program” for every mortgage borrower, but for many, the VA loan stands apart for its combination of low rates, lenient underwriting, and secondary benefits. 

Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and certain other groups become homeowners at an affordable cost.

The VA loan asks for no down payment, requires no mortgage insurance, allows flexible guidelines for qualification among its many other advantages. 

Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and certain other groups become homeowners at an affordable cost. Benefits of the VA loan include:

* No down payment requirements, making the VA a truly no-money-down opportunity

* No mortgage insurance requirements and low closing costs, saving you money upfront and over time 

* More credit and income flexibility, making it easier for eligible borrowers to qualify 

 AZ Financial, LLC has Great Respect and Admiration for our Veterans - We guarantee the lowest interest rate and closing costs for any Purchase or Refinance transaction. Most borrowers think they are not ready or don't know they can qualify for a mortgage loan. It's time to take action now. We understand your challenges and AZF can help get you into home-ownership today. 

May Announcements


Call or Text AZ Financial, LLC at 480-787-5777 to get your complimentary analysis for all  * VA * FHA * Conventional * USDA * Purchase or Refinances. Offer Expires 10/31/2019 a $500.00 value at no cost. 


Click on ***BUYER GUARANTEE***  to see  

* 7 * Mistakes all borrowers make 

FHA News - Effective November 19, 2018 FHA now allows 580 middle credit scores for first time home buyers. Check out our "NEWS" for more details. Don't wait, contact us today to get started.


FHA insured loans are: 

One-Family $314,827.00  

Two-family $403,125.00  

Three-family  $487,250.00

Four-family $605,525.00   

Fannie Mae / Freddie Mac Conforming loans are:

One-Family $484,350.00 

Two-Family $620,200.00

Three-family $749,650.00

Four-family $931,600.00

Jumbo / Non-Conforming loans are: any loan amount above $484,351.00 +


 Jerome Powell, chairman of the U.S. Federal Reserve, pauses while  speaking during a news conference following a Federal Open Market  Committee meeting in Washington, D.C., on Wednesday, Sept. 18, 2019 .  

The remainder of 2019, the Fed meetings are: 


  • October 29-30
  • December 10-11
  • January 28-29, 2020

We are the VA Loan Experts


Another Irresistible Offer brought to you only by AZ Financial, LLC. $2,000.00 - $3,000.00 towards your closing costs!!! Veterans what are you waiting for... Stop paying rent and buy now.  This special offer ends 10/31/2019. Hey all you existing homeowners lower your monthly mortgage payment or consolidate your debts with a no cost refinance. Call or Text us today for details, Feel confident, you will NOT be disappointed. 

What is a VA Loan?

The VA loan is a $0 down payment mortgage option available to Veterans, Service Members and select military spouses. VA loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).

The VA Home Loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 22 million VA loans to help veterans, active duty military members and their families purchase homes or refinance their mortgages.

Today, the VA Mortgage is more important than ever. In recent years, lenders nationwide have tightened their lending requirements in the wake of the housing market collapse, making the VA loan a lifeline for Veterans and active Military home-buyers, many of whom find difficulty when faced with tough credit standards and down payment requirements.

Like all home loans, VA Mortgages have considerable details and information to review. We encourage you to use our website's educational resources to learn about the specifics of this exclusive home loan benefit. To start your VA Loan, talk with a Licensed Loan Advisor today.

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NMLS ID: 1484811 - 233228 / AZ MB: 0935963 LO: 0927927

AZ Financial, LLC

4500 South Lakeshore Drive, Suite 328 Tempe, Arizona 85282, United States of America

(480) 787-5777 Tel (480) 269-9099 Fax info@AZFinancialLLC.com Email



9:00 am – 5:00 pm


9:00 am – 5:00 pm


9:00 am – 5:00 pm


9:00 am – 5:00 pm


9:00 am – 3:00 pm


By Appointment



Mortgage Services

Home Purchase & Refinance Loans


  • Local with over 26 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.
  • We coordinate and facilitate the process of Real Estate Buying & Selling property utilizing Realtors, Title companies, Escrow Officers, Appraisers, Attorneys, Home Inspectors, Pest Inspectors, & Nationwide Premium Wholesale Mortgage Lenders.

Loan Products & Programs

AZ Financial, LLC Mortgage Application

  • Fixed & ARM (Adjustable Rate Mortgages)
  • Reverse Mortgages
  • FHA
  • VA
  • USDA
  • Jumbo
  • Super Jumbo
  • Non QM (Qualified Mortgage) Loans 

About AZ Financial, LLC


AZ Financial, LLC has built a strong reputation as an outstanding mortgage brokerage firm focused on serving the lending needs of real estate professionals, builders, and individual home buyers throughout Arizona and Illinois. After understanding our clients needs and goals we advise them on the best programs available ensuring the highest quality experience. Integrity, Speed, and Professionalism is provided to all our clients throughout the entire mortgage process.  

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