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Buying or Refinancing? Explore Your Mortgage Options - Call 480-787-5777
WHY USE A MORTGAGE BROKER?
More Loan Options. Personalized Guidance. One Point of Contact.
What Is a Mortgage Broker?
A mortgage broker is an independent mortgage professional who helps borrowers evaluate financing options from multiple wholesale lenders. Rather than being limited to the mortgage products offered by a single bank or credit union, a broker can compare available loan programs and help identify financing options appropriate for your qualifications and goals.
More Choices from Multiple Lenders
Every borrower and property is different. Credit profile, income, assets, property type, down payment, loan amount, and financial goals can all affect which mortgage program may be appropriate.
AZ Financial works with multiple wholesale lenders, giving us the ability to compare available programs, guidelines, rates, and costs based on your individual situation.
One Point of Contact
Instead of trying to navigate the mortgage process alone, you have a mortgage professional helping you from application through closing. AZ Financial can explain your options, answer questions, help identify required documentation, and communicate with the parties involved in your transaction.
Loan Options for Different Borrowers
Access to multiple lenders can be particularly helpful when a borrower or property doesn't fit a traditional one-size-fits-all lending profile. Depending on eligibility and availability, financing options may include:
• Conventional financing
• FHA and VA loans
• Jumbo financing
• USDA loans
• First-time homebuyer options
• Investment-property financing
• Bank-statement and other non-QM programs
• HELOC and home-equity options
• Refinance programs
Understanding Rates, Costs & Loan Structure
The lowest advertised interest rate isn't necessarily the best mortgage. Interest rate, APR, lender fees, points, mortgage insurance, loan term, prepayment provisions, and the length of time you expect to keep the loan can all affect the overall cost.
AZ Financial can help you compare available financing options so you can make a more informed decision.
Guidance from Application Through Closing
A mortgage transaction involves more than selecting a loan program. Documentation, underwriting, appraisal, title, insurance, closing requirements, and deadlines all need to come together.
Our role is to help you understand the process, communicate what is needed, and work with the appropriate parties throughout the transaction.
Why Work With AZ Financial?
• Access to multiple wholesale lenders
• Conventional, FHA, VA, Jumbo, and other financing options
• Personalized loan comparisons
• Clear explanations of available rates, costs and terms
• One point of contact throughout the mortgage process
• Assistance with documentation and underwriting requirements
• Communication throughout the transaction
• Purchase and refinance financing
Have Questions About Your Options?
Whether you're buying, refinancing, or simply trying to determine which mortgage may fit your situation, we're here to help.
Experience Matters
Mortgage guidelines, lender requirements, and loan programs can vary considerably. AZ Financial combines access to multiple wholesale lenders with decades of mortgage-industry experience to help borrowers evaluate their available financing options and navigate the mortgage process from application through closing.
