Of the 32 mortgage brokers in Phoenix, AZ that publish their loan programs, 27 (84%) offer conventional loans, 19 (59%) offer FHA loans and 19 (59%) offer first-time buyer programs.

Conventional loans27 of 32 (84%)

FHA loans19 of 32 (59%)

First-time buyer programs19 of 32 (59%)

VA loans18 of 32 (56%)

Jumbo loans17 of 32 (53%)

USDA loans11 of 32 (34%)

Reverse mortgages10 of 32 (31%)

Renovation and 203(k) loans9 of 32 (28%)

Construction loans6 of 32 (19%)

HELOCs and home equity loans6 of 32 (19%)

Down payment assistance5 of 32 (16%)

Bank statement loans4 of 32 (13%)

10
advertise 3.5% down or less, including 7 with a 0% down option (typically VA or USDA)
580
lowest advertised minimum credit score; 5 lenders accept 580 or lower
22 / 4
licensed in one state only / licensed nationwide (of 36 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 32 of 97 listed mortgage brokers that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

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Why Choose Local Mortgage Brokers in Phoenix?

Local Market Expertise

Phoenix mortgage brokers have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Arizona. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage brokers means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage brokers often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Phoenix market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage broker in Phoenix?

Shortlist at least three mortgage brokers in Phoenix, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Arizona, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage broker?

Ask about their experience in the Phoenix market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Phoenix mortgage brokers better than online lenders?

Local mortgage brokers offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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