Arizona Mortgage Lender

Home Loans in Arizona

Welcome to Capital Home Mortgage Arizona, where our goal is to provide Arizona Home Loans to Arizona homebuyers and homeowners with low rates and fees while providing exceptional service.  First, we want to thank you for the opportunity to earn your business.  We understand that purchasing a home is the biggest decision of the most people lives and that is why Capital Home Mortgage Arizona provides dedicated points of contact throughout the entire mortgage process.  This ensures a stress-free smooth experience finishing with an on time closing.  After all buying a home should be exciting, not stressful.

As a direct Arizona Mortgage Lender, Capital Home Mortgage Arizona controls the lending process from start to finish.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.  This control means from application to funding we make every decision.

Capital Home Mortgage Arizona is a full-service Arizona mortgage lender that offers a wide range of mortgage products as well as competitive Arizona mortgage rates.  Whether you are a first-time purchaser seeking an Arizona FHA Home Loan, looking for a rural property and needing an Arizona USDA Home Loan, a Native Arizonans wanting to use the HUD 184  Arizona Native American Home Loan, an active or retired veteran in need of an Arizona VA Home Loan, or a seasoned buyer in need of an Arizona Conventional Home Loan, we are here to assist.   

Call today (480) 360-6650 to speak to one of our Arizona Loan Officers.

Arizona’s economy is varied, with major contributions from the manufacturing, tourism, healthcare, and education sectors.  The state is also well-known for its agricultural output, which includes citrus fruits, livestock, and cotton.

Arizona is primarily dry or a semi-dry climate with winters that are usually cooler and summers that are usually hot, with temperatures reaching over 100.

One of the Seven Wonders of the Natural World, the Grand Canyon, is located in this state along with Saguaro National Park, Monument Valley, and the Petrified Forest.

Numerous Native American tribes still call Arizona home, and the state has a rich Native American past. The state provides a range of outdoor activities, such as hiking, golfing, and river and lake sports.

The real estate market in Arizona has seen growth, especially in cities like Phoenix. Housing demand and prices have been notable factors.Arizona real estate market was experiencing growth and demand. Cities like Phoenix and Tucson had seen an increase in home prices, and the market was considered competitive. Factors such as job growth, a relatively low cost of living, and a desirable climate contributed to the attractiveness of the Arizona housing market.

Thank you again for allowing us to help you with your Arizona Home Loan.

Arizona Home Loans

Arizona Conventional Home Loans

An Arizona Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Arizona FHA Home Loans

An Arizona FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for an Arizona FHA home loan is consistent employment history and documented income.

Arizona VA Home Loans

An Arizona VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Arizona.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Arizona USDA Home Loans

An Arizona USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Arizona Jumbo Home Loans

An Arizona Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Arizona Non QM Home Loans

An Arizona Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Arizona Native american Home Loans

An Arizona Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Arizona Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Arizona One Time Close construction Home Loans

One Time Close Construction Mortgage Company
An Arizona One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Arizona HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Arizona Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Arizona Mortgage Programs

Arizona Home Purchase loans

Looking to Purchase an Arizona Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Arizona Renovation Home Loans

Looking to Rehab an Arizona Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Arizona FHA Home loans

Great 1st Time Arizona Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Arizona va Home Loans

100% Financing for Arizona Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Arizona Conventional Home loans

Flexibility for Arizona Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Arizona Jumbo Home Loans

Arizona Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Arizona USDA Home loans

100% Rural Arizona Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Arizona Native american Home Loans

Arizona Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Arizona Manufactured Home loans

Great Alternative Arizona Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Arizona Reverse Mortgage Loans

Your Arizona Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Arizona Non QM Home loans

Making Arizona Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Arizona One Time Close Home Loans

Build Your Arizona Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Arizona Refinance Mortgage loans

Arizona Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Arizona Cashout Mortgage Loans

Arizona Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Arizona Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506
Brad-Rund

Brad Rund

Business Dev Manager
NMLS #224674

Arizona Mortgage Company Reviews

Arizona Cities

Phoenix Home Loans

Tucson Home Loans

Mesa Home Loans

Chandler Home Loans

Gilbert Home Loans

Glendale Home Loans

scottsdale Home Loans

Peoria Home Loans

Tempe Home Loans

Surprise Home Loans

Prescott Home Loans

Flagstaff Home Loans

Surprise Home Loans

Buckeye Home Loans

Goodyear Home Loans

Yuma Home Loans

Avondale Home Loans

queen creek Home Loans

Flagstaff Home Loans

Maricopa Home Loans

Casa Grande Home Loans

Lake Havasu City Home Loans

Marana Home Loans

Prescott Valley Home Loans

Oro Valley Home Loans

Prescott Home Loans

Sierra Vista Home Loans

State Specific Mortgage Information

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

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