Partnering with AD Mortgage, a broker-voted top lender, gives Arizona brokers access to a wide range of flexible mortgage programs, innovative mortgage solutions, and 24/7 expert support. Licensed in Arizona and coast to coast, we help partners find the right loan solutions for their clients and close more loans with confidence.
Arizona has an active housing market, supported by continued population growth and construction activity. According to U.S. Census Bureau, the state’s population reached approximately 7.62 million in 2025, up 6.5% from 2020, helping sustain long-term demand for housing.
As of August 2026, the typical housing value in Arizona is $421,381, down 1.4% compared to previous year, according to Zillow.
The diversity of Arizona’s housing market creates demand for a broad range of mortgage solutions. With AD Mortgage’s diverse program portfolio, our partners cover the needs of different clients and receive consistent wholesale support.
AD Mortgage offers competitive Arizona home loan programs, helping partners support their clients on the path to homeownership with best-fit solutions
Qualify homebuyers with limited down payment capabilities
A loan solution for veterans, active-duty service members, and their eligible surviving spouses
Close DSCR loans with fast turn times
Get 50 bps with Rate Buydowns. Make your purchase offers even more competitive. Now with enhanced pricing!
Choose from 1-0, 1-1, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary and 2nd home purchases on 30-Year Fixed Super Prime, Prime, AD Power Jumbo & Fixed Conventional. 
Arizona property taxes are administered by the Arizona Department of Revenue and county assessors and treasurers. Property taxes can vary depending on the county and local taxing jurisdictions.
State rules determine assessed values, which may differ from the property’s purchase price or current market value. Arizona also uses different property classifications, including separate classifications for primary residences and residential rental properties.
Depending on the mortgage and lender requirements, property taxes and homeowners insurance may be collected through an escrow account as part of the monthly mortgage payment.
The Arizona Department of Housing currently administers or promotes two homebuyer assistance resources: HOME Plus and Arizona is Home. HOME Plus is a statewide down payment assistance program, while Arizona is Home currently provides assistance to eligible first-time homebuyers in Maricopa and Pima Counties. Note: Down payment assistance programs are subject to program requirements and availability.
Closing costs in Arizona may include lender fees, appraisal fees, title and escrow charges, recording costs, prepaid property taxes, prepaid homeowners insurance, HOA costs where applicable, and discount points if selected. Many real-property transfers also require an Affidavit of Property Value, unless an exemption applies.
Arizona mortgage rates change with market conditions and can vary based on factors such as loan type, down payment, loan amount, and other borrower-specific circumstances. Brokers should compare available loan options and evaluate the overall terms and costs of each mortgage.
24/7 Support for Arizona Loan Workflows
The First Integrated Non-QM AUS in Mortgage History
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READY TO CONNECT?
How Do I Choose a Mortgage Lender in Arizona?
The lender should have proper licensing – for example, AD Mortgage has an Arizona Mortgage Banker License #BK-1006747 | NMLS #958660. For brokers, the right lender combines competitive rates and fees, strong product fit, and expertise with complex scenarios. Turn times, communication, and technology also play an important role when choosing a lender partner.
What are Current Mortgage Interest Rates in Arizona?
Mortgage rates vary because of market changes and borrower qualifications. Check the interest rate and loan term for your client by submitting a Loan Scenario.
How Do I Become a Mortgage Loan Originator in Arizona?
To become a mortgage loan originator in Arizona, you generally need to complete the required NMLS education, pass the SAFE Mortgage Loan Originator exam, submit fingerprints and a background check, and obtain a state MLO license through NMLS. Requirements may vary depending on your licensing status and employment.
Does AD Mortgage Offer Non-QM Loans in Arizona?
Yes. AD Mortgage is a Top-Non-QM Wholesale lender, according to the Scotsman Guide. Visit our Non-QM program page to explore the solutions we offer.
Can Arizona Investors Get DSCR Loans through AD Mortgage?
Yes. The DSCR loan program by AD Mortgage is available in Arizona. It is designed specifically for real estate investors and does not require personal income or employment verification.
Does AD Mortgage Offer Bank Statement Loans in Arizona?
Yes. The 12/24 Month Bank Statement program by AD Mortgage is a flexible mortgage solution, offering loan amounts up to $4 million with DTIs up to 55% and CLTVs up to 90% on purchases.
How Do I Submit an Arizona Scenario to AD Mortgage?
To submit a Scenario Request, fill out this form. Our managers will contact you within 30 minutes with a mortgage solution tailored to your client’s needs.
How Much Do I Have to Make to Afford a $300,000 House in Arizona?
There is no single income requirement for a $300,000 home. Affordability depends on factors such as down payment, mortgage rate, property taxes, and loan terms. Submit a Scenario Request to determine the best-fit loan option based on your client’s financial situation.
What Credit Score Do You Need to Buy a House in Arizona?
Most Conventional and Non-QM loan programs require a credit score of at least 620. However, some solutions, such as VA or FHA programs, accept credit scores as low as 580. Visit the AD Mortgage Program Page to review specific program requirements.
How Much Money Do You Need to Buy a House in Arizona?
It largely depends on the property location, down payment size, loan type, and other factors. Read our Arizona Research to find out how long it takes to save in major Arizona cities.
Can You Buy a House in Arizona without 20% Down?
Yes. Many mortgage programs allow buyers to put less than 20% down, including FHA, Conventional, and VA loan programs. Additionally, Arizona down payment assistance programs may help low-income borrowers, first-time homebuyers, and other eligible individuals with their down payment.
Is It a Good Time to Buy a House in Arizona?
Generally, yes. Arizona’s housing market is becoming more balanced, with inventory giving buyers more options. Mortgage rates remain an important factor, so buyers should consider their monthly affordability, available reserves, and expected holding period rather than timing the market. Local conditions can vary significantly, making it important to evaluate the specific market and property.
Can I Buy an Investment Property in Arizona with a DSCR Loan?
Yes, eligible Arizona investment-property scenarios may qualify for DSCR financing based primarily on the property’s rental cash flow rather than the borrower’s traditional employment income. Visit the DSCR loan program page for more information.
Can Self-Employed Borrowers Get a Mortgage in Arizona without Traditional W-2 Income?
Yes. Self-employed borrowers may qualify for mortgage financing without traditional W-2 income. Depending on the loan program, income may be documented through bank statements, 1099 income, P&L statements, or asset utilization.
Are FHA Loans Available in Arizona?
Yes. FHA loans, including FHA Standard, FHA High Balance, and FHA Streamline Refinance, are available in Arizona.
What is the Minimum Down Payment for an FHA Loan in Arizona?
A down payment of at least 3.5% is required for an FHA Standard loan in Arizona. Submit a Scenario Request to check your client’s eligibility.
Are VA Loans Available in Arizona?
Yes. AD Mortgage offers VA loan programs to eligible Arizona borrowers. VA Standard program offers loan amounts up to $2 million, no down payment requirement for eligible borrowers, and a minimum FICO score of 580.
Can Eligible Veterans Buy a House in Arizona with No Down Payment?
Yes. VA loan programs offer eligible veterans mortgages without down payments.
How are Property Taxes Calculated in Arizona?
Arizona property taxes are based on the property’s assessed value and the tax rates set by local taxing jurisdictions, with rates varying by county and location.
Are Property Taxes Included in an Arizona Mortgage Payment?
They can be. Depending on the loan and lender requirements, property taxes may be collected through an escrow account as part of the monthly mortgage payment.
What First-Time Homebuyer Programs are Available in Arizona?
Arizona homebuyers may have access to down payment assistant programs such as HOME Plus and Arizona is Home, subject to eligibility and program requirements.
What is the HOME Plus Program in Arizona?
HOME Plus is a statewide Arizona down payment assistance program that helps eligible homebuyers with upfront home purchase costs.
Does AD Mortgage Work in Arizona?
Yes. AD Mortgage is a licensed wholesale lender in Arizona as well as in other states across the country.
Is AD Mortgage a Licensed Mortgage Lender in Arizona?
Yes. AD Mortgage has an Arizona Mortgage Banker License #BK-1006747 | NMLS #958660.
What Arizona Cities Does AD Mortgage Serve?
We work with mortgage brokers across all regions of Arizona. Submit a Scenario Request to receive the best-fit mortgage solution for properties in a specific area or market.
Does AD Mortgage Work with Mortgage Brokers in Phoenix?
AD Mortgage partners with mortgage brokers coast to coast, including brokers in Arizona and the Phoenix metropolitan area.
