Buying a house is a big deal.
Your mortgage should make sense to you. The payment, the cash needed to close, and what happens next. You shouldn’t have to pretend you understand something just to keep the conversation moving.
I’m based in Phoenix with Phoenix Lending Group. My own frustrating first home purchase is what brought me into lending. Now my goal is to make sure you leave the process more informed than when you started. Here’s a little more about my story.
Why work with a mortgage broker?
Different lenders can look at the same situation differently. As a broker, I can compare options across the lenders I work with and help you understand the tradeoffs. That means looking beyond a rate to the fees, mortgage insurance, monthly payment, and cash you need upfront.
A lower rate with higher costs may or may not be the right move for you. We’ll talk through the numbers and your plans so you can make that call with confidence. No promises of the lowest rate in every situation. Just a clear comparison and someone who will explain it.
And communication matters. From preapproval through closing, you should know where we stand and what comes next. No news is not good news.
Read my guide to working with a mortgage broker ↗
Home loan options in Phoenix
The right starting point depends on your income, credit, down payment, property, and plans for the home. Here are a few options we can discuss.
Conventional financing
Conventional loans are not insured or guaranteed by a government loan program. We can compare the down payment, mortgage insurance, and overall costs with other options rather than assuming one program is automatically the best fit.
FHA financing
An FHA loan may be worth comparing when you are working with limited down payment funds or building your credit profile. Mortgage insurance and the full cost of the loan belong in that conversation too.
Explore FHA loans in Arizona ↗
VA financing
If you are an eligible veteran, service member, or surviving spouse, we can review your VA home loan benefit and what it means for your purchase. Eligibility for the benefit and approval for a mortgage are separate steps.
Jumbo financing
If the loan amount you need exceeds the applicable conforming loan limit, we can discuss jumbo financing. Requirements and pricing vary by lender, so we’ll review the details for your situation before building a plan.
Run your own business? The income conversation may need a little more preparation. Start with my guide for business owners.
Want an independent overview? Read the CFPB’s guide to loan types. Program availability and approval depend on lender and loan requirements.
Buying your first home in Phoenix?
You don’t need to have all the answers before we talk. That is kind of the point. We can start with the monthly payment you feel comfortable with, work through your upfront costs, and figure out which questions need answering before you make an offer.
- Understand the first home buying process.
- Learn the difference between qualifying and comfortably affording.
- Browse free guides and mortgage calculators.
What makes buying in Phoenix different?
A Phoenix address alone doesn’t tell us what a home will cost to own. An established neighborhood, a condo, and a new build can bring different questions. Here’s what I want you thinking about alongside the purchase price.
- Your full monthly budget. Ask about the home’s utility history and leave room for cooling, maintenance, and any pool upkeep. These costs matter to your budget even when they are outside the mortgage payment.
- The specific property. Get property tax and insurance estimates for the home you are considering. Check HOA dues and any additional assessments rather than carrying an estimate from a different listing.
- Flood risk. Living in the desert does not eliminate it. Check the property’s flood designation and any insurance requirements early. Maricopa County’s floodplain information is a useful starting point.
- Builder and seller incentives. If an offer includes a closing cost credit or temporary buydown, compare the full terms, any lender conditions, and the payment after the incentive ends. The first year’s payment is only part of the picture.
Your agent can help you evaluate the property and neighborhood. I’ll help you understand how the financing fits into that decision.
What clients say
These excerpts come from the client reviews shared on this site.
“As first time homebuyers, we were intimidated by the whole process at first, but Kadyn was patient, walked us through the meaning of everything, and made us feel comfortable.”
Max Benning · Google review excerpt
“He kept everyone informed with regular phone calls and loan status updates, so I always knew exactly where we stood in the process.”
Shelley Hubbard · Google review excerpt
Read more client experiences ↗
Run the numbers before we talk
You can explore a few scenarios without filling out an application. These tools provide estimates, not a preapproval or rate quote.
- Home affordability calculator: compare a possible qualifying payment with a budgeting starting point.
- 2-1 buydown calculator: compare 1-0, 1-1, 2-1, and 3-2-1 options and see when the full payment starts.