Of the 36 mortgage lenders in Phoenix, AZ that publish their loan programs, 32 (89%) offer conventional loans, 25 (69%) offer FHA loans and 25 (69%) offer first-time buyer programs.

Conventional loans32 of 36 (89%)

FHA loans25 of 36 (69%)

First-time buyer programs25 of 36 (69%)

VA loans24 of 36 (67%)

Jumbo loans22 of 36 (61%)

USDA loans16 of 36 (44%)

Reverse mortgages11 of 36 (31%)

Renovation and 203(k) loans9 of 36 (25%)

Down payment assistance8 of 36 (22%)

Non-QM loans8 of 36 (22%)

HELOCs and home equity loans8 of 36 (22%)

Construction loans7 of 36 (19%)

11
advertise 3.5% down or less, including 9 with a 0% down option (typically VA or USDA)
580
lowest advertised minimum credit score; 3 lenders accept 580 or lower
8 / 8
licensed in one state only / licensed nationwide (of 32 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 36 of 84 listed mortgage lenders 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 Lenders in Phoenix?

Local Market Expertise

Phoenix mortgage lenders 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 lenders 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 lenders 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 lender in Phoenix?

Shortlist at least three mortgage lenders 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 lender?

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 lenders better than online lenders?

Local mortgage lenders 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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