Licensed Mortgage Lender in Arizona
Licensed Mortgage Lender in Arizona
Arizona Home Loans Done Right. Licensed, Trusted, and Ready to Close.
Direct Rate is a licensed Arizona mortgage lender with 500+ five-star reviews. Arizona is one of the fastest-growing states in the country with a booming Phoenix metro, strong military presence, and a wide range of buyers from first-timers to luxury purchasers. Our team has every program you need and the experience to get it done.
Why Arizona Buyers and Homeowners Choose Direct Rate
- Licensed Arizona mortgage lender - NMLS ID 2320473
- 500+ five-star reviews from homeowners across the country
- Experienced in Arizona's fast-moving Phoenix metro and statewide markets
- VA loan experts - Arizona has a large and growing military and veteran community
- All 9 loan programs available - one lender for every situation
- Pre-approvals ready in 24 hours with a complete file
- Clear communication and no surprises from application to closing
Every Loan Program Available in Arizona
One lender. Every program. We find the right fit for you.
Conventional Mortgage
Competitive rates. PMI removable at 20% equity. Best for buyers with solid credit.
FHA Home Loans
3.5% down. Flexible credit. Great for first-time buyers in Arizona.
VA Home Loans
0% down. No PMI. For eligible veterans and active-duty military in Arizona.
USDA Home Loans
0% down in eligible Arizona areas. More communities qualify than most people think.
Fixed Rate Mortgages
One rate. One payment. Locked in for the life of your loan.
Jumbo Loans
Scottsdale, Paradise Valley, and other high-value AZ markets regularly require jumbo financing.
Mortgage Refinancing
Lower your rate, access equity, or remove mortgage insurance.
Reverse Mortgages
For Arizona homeowners 62+ looking to access equity in retirement.
FHA 203k Renovation
Buy a fixer-upper and finance the renovations in one single Arizona loan.
Arizona Is a Strong VA Loan Market - and We Know It Well
Arizona has one of the largest and fastest-growing veteran populations in the United States. The Phoenix metro, Tucson, and Sierra Vista are home to major military installations and a thriving veteran community. Our VA loan team is experienced with every aspect of the Arizona VA market.
- 0% down payment for eligible veterans and active-duty military
- No monthly mortgage insurance
- Competitive rates backed by VA guarantee
- VA IRRRL streamline refinance for existing VA loan holders
- Certificate of Eligibility confirmed as part of your pre-approval
Serving Arizona Veterans and Military Families
Arizona is home to major military installations and one of the fastest-growing veteran communities:
- Luke Air Force Base - Glendale
- Davis-Monthan Air Force Base - Tucson
- Fort Huachuca - Sierra Vista
- Marine Corps Air Station Yuma - Yuma
0% down. No monthly mortgage insurance.
Competitive rates. If you have earned the VA benefit, our team will make sure you get every advantage.
Call Now (210) 909-6999 →Serving All of Arizona
We are licensed to lend throughout the entire state of Arizona.
Don't see your city? We serve all of Arizona. Get in touch and we will help.
See What Your Monthly Payment Could Look Like in Arizona
Use our free mortgage calculator to get a quick estimate - then speak with a licensed advisor to get your real numbers.