Buy
Purchase paths in plain language — first-time, government, condo project issues, and build/rehab timing.
How much home can you afford?
Phoenix framework — taxes, insurance, HOA, DTI concepts. No fake payment promise.
ReadPre-approval vs pre-qualification
Know the difference before you shop. Estimate vs offer-ready letter.
Start hereFirst-time buyer
New to this? I’ll walk first-time and down-payment assistance paths that actually apply — without a rate flyer.
Start hereConventional purchase
When W-2s and a clean story fit the agency box. Need FHA instead? See FHA.
Start hereVA purchase
Use the benefit without the brochure fog. I’ll walk entitlement and occupancy with you.
Start hereCondo / HOA project
HOA questionnaire failed conventional? Often a project issue. Specialty lenders still finance many of these.
Start hereBuilding or rehab
Ground-up, reno into one mortgage, or bridge a timing gap. Renovation path sits beside construction.
Start hereManufactured or buydown
Factory-built homes or a temporary buydown when guidelines allow. I’ll say which box you’re in.
Start hereForeign national / ITIN
Purchase paths when citizenship or SSN isn’t the usual story. Not immigration advice — mortgage guidelines only.
Start herePhysician
Doctor programs when they fit. I won’t print a down-payment chart that goes stale.
Start here
Refinance / equity
Lower the payment story, pull cash, keep the first lien with a HELOC, or bridge a gap — compare without a rate promise.
Rate-and-term
Improve the payment story without pulling cash. I’ll walk whether it pencils — I won’t print a stale rate.
Start hereCash-out
Equity out in one refinance when that structure is the right job.
Start hereHELOC
A line while you keep the first mortgage. HELOC applications run on Axen from this page’s Apply.
Start hereHELOC vs cash-out
Arizona homeowner guide — compare the jobs before you pick a product.
Read the guideVA refinance
Streamline or cash-out style VA refi. I’ll walk which lane fits.
Start hereBridge
When timing is the problem — buy before sell, or fill a short gap.
Start here40-year / interest-only
Shape the payment when guidelines allow. Not for everyone — not all situations qualify.
Start hereCredit event
Bankruptcy or foreclosure in the history? Seasoning differs by program. Bring the dates; we map the box — I won’t print a stale waiting chart.
Start here
Self-employed / investor
Deposits, rent that carries the loan, flips, land, farm, commercial — pick the job you’re trying to do.
Bank statement
Tax returns don’t tell the whole income story. We average deposits — not “stated income,” not no-doc.
Start hereDSCR / rentals
When the property’s rent needs to carry the payment. I’ll walk DSCR guidelines with you.
Start hereInvestment purchase
Buying investment occupancy — stack with DSCR or full-doc when it fits.
Start hereFix-and-flip / hard money
Short timeline investor money. Not all situations qualify.
Start hereJumbo
Above conforming limits. Same guide voice — one application, one credit report, 300+ lenders.
Start hereLand / farm / commercial
Lot, ag, or commercial income property. Different lanes — I’ll help you pick without a brochure dump.
Start hereReverse
Equity later in life. Prefer eyes on the path first? Talk works.
Start hereFrom the blog
Longer reads on Phoenix buying, refinance choices, and what headlines miss — then come back to a program page when you’re ready.
All postsBank statement vs DSCR
Self-employed and investor fork — which lane fits the job.
ReadJumbo vs conventional (AZ)
County limits explained without a stale dollar table.
Read
Need the long specialty list? More programs. Full menu? Loan programs. Common questions? Homepage FAQ.
Licensed in Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas. NEXA Lending · NMLS 184065.