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Find the Best Mortgage Lenders in Phoenix, AZ

Buying a home in Phoenix can be overwhelming. You're looking for neighborhoods within your budget and that have a low crime rate and high-ranking school district. A mortgage lender can make the process easier. The right mortgage company combines the financial services you need with customer service you can count on. We researched the best mortgage lenders in Phoenix can help you start finding and financing your dream home.

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    Compare Top Mortgage Lenders

    #1 OUR FAVORITE
    AmeriSave
    Overall satisfaction rating
    • Fixed & adjustable rates
    • FHA, VA and USDA loans
    • HARP refinance loans
    • Jumbo loans available

    Close in as few as 25 days!

    (866) 815-0655 Read More
    American Financial Lending, Inc.
    • Mortgages & refinance
    • Online application
    • Jumbo, VA & investor loan
    • Affordability calculators
    Location
    20860 N. Tatum Blvd., Ste. 160
    Phoenix, AZ 85050
    (602) 277-3800
    Fairway Independent Mortgage
    • Fixed & adjustable rates
    • FHA & VA loans
    • Online quotes
    • Refinancing options
    Location
    5229 N. 7th Ave., Ste. 108
    Phoenix, AZ 85013
    (602) 265-5626
    Guild Mortgages: The Justin Haines Team
    • M-Th: 9am - 8pm
    • F-Sat: 9am - 10pm
    • Sun: 10am - 8pm
    • thejustinhainesteam.com
    Location
    2231 E. Camleback Rd., Ste. 200
    Phoenix, AZ 85016
    (602) 492-3602
    RedStone Mortgage
    • M-F: 8am - 5pm
    • myarizonaloan.com
    Location
    3125 S. Price Rd.
    Chandler, AZ 85248
    (480) 759-1500
    Mortgage Brothers Team
    • M-F: 8:30am - 5pm
    • azmortgagebrothers.com
    Location
    1599 E. Orangewood Ave., Ste. 200
    Phoenix, AZ 85020
    (602) 535-2171
    Desert Springs Mortgage LLC
    • M-F: 8:30am - 5pm
    • desertspringsmortgage.com
    Location
    2415 E. Camelback Rd., Ste. 700
    Phoenix, AZ 85016
    (623) 432-1309
    Orion Mortgage Corporation
    • M-F: 8am - 5pm
    • orionmtg.com
    Location
    11120 N. Tatum Blvd.
    Phoenix, AZ 85028
    (602) 912-0222
    Suburban Mortgage Inc
    • M-F: 8am - 5pm
    • submort.com
    Location
    7500 N. Dreamy Draw Dr., Ste. 110
    Phoenix, AZ 85020
    (602) 942-7777
    First Choice Loan Services
    • M-F: 8am - 5pm
    • phxhomeloan.com
    Location
    7600 E. Doubletree Ranch Rd., Ste. 200
    Scottsdale, AZ 85258
    (480) 800-8387
    Axel Mortgage Inc
    • M-F: 8am - 5pm
    • axelmortgage.com
    Location
    2318 E. Shea Blvd.
    Phoenix, AZ 85028
    (602) 795-3541
    Capstone Mortgage
    • M-Sat: 10am - 7pm
    • capstone-mortgage.com
    Location
    3014 N. Hayden Rd., Ste. 115
    Scottsdale, AZ 85251
    (480) 336-2828
    Level 4 Funding
    • M-F: 8:30am - 5pm
    • level4funding.com
    Location
    22601 N. 19th Ave, Ste. 112
    Phoenix, AZ 85027
    (623) 528-4444
    Peoples Mortgage Company
    • M-F: 8am - 5pm
    • peoplesmortgage.com
    Location
    2711 E. Indian School Rd.
    Phoenix, AZ 85016
    (480) 752-3530
    AZ Lending Experts LLC
    • M-F: 8am - 6pm
    • Sat: 9am - 4pm
    • Sun: 8am - 6pm
    • azlendingexperts.com
    Location
    4500 S. Lakeshore Dr., Ste. 650
    Tempe, AZ 85282
    (480) 649-3825
    Original Mortgage
    • M-F: 9am - 5pm
    • originalmortgage.com
    Location
    3835 N. 32nd St., Ste. 12
    Phoenix, AZ 85018
    (602) 955-8016

    How to choose a mortgage lender in Phoenix

    phx skyline mortgage lenders

    Choosing a mortgage lender in Phoenix can be hard with so many factors to consider, such as real estate market trends for the neighborhoods you are considering. Understanding the market is key to knowing when the best time is to refinance or purchase a new home. Getting a mortgage loan is easiest in a stable real estate market.

    A recap of recent Phoenix market trends:

    • 2004 to 2006 the housing market boomed, inflating prices and home sales
    • 2010 to 2012 foreclosures climbed and prices plummeted
    • 2018 saw a rebound of home prices

    Currently, many neighborhoods in Phoenix have bounced back from the price plummet. The median price of a home in Phoenix is $235,000 and steadily increasing.

    Phoenix is considered a relatively stable housing market. Only 8.7 percent of those with a mortgage loan in Phoenix have negative equity, which means they owe more than what they’re house is worth. That is slightly lower than the national average of negative equity, which is 9.1 percent.

    The main consideration when looking for a new home is which neighborhood is best for your lifestyle and budget. The price of a house impacts the type of mortgage loan you need, and that will better help you choose which mortgage lender to work with.

    Best neighborhoods in Phoenix to buy a home

    Arcadia/Biltmore

    With an incredible location near Downtown Phoenix, Arcadia/Biltmore is one of the most desirable locations. Since this area is between Phoenix and Scottsdale, parents have many school options for their kids from charter schools to top-rated public schools. In Arcadia, the median home price is $550,000. In Biltmore, median prices sit around $485,000. If you choose an expensive home, find a mortgage lender that offers non-conforming loans.

    Ahwatukee

    If you’re looking for a home close to nature and recreation, the Ahwatukee neighborhood is a good choice. Young families here love the low crime and high graduation rates. Ahwatukee is a growing area and this suburban feel means affordable housing with median prices sitting at $250,000. You’ll want to find a mortgage lender offering FHA loans and ARM loans that might be ideal for shopping in this neighborhood.

    Gilbert

    Rated as Phoenix’s safest suburb, Gilbert has seen considerable growth linked to its rapidly expanding healthcare industry, as well as low crime rates and consistently high-performing public schools. It is also one of the least expensive neighborhoods with a median price of $237,000. Conventional mortgage loans can work well for this neighborhood.

    Paradise Valley

    Paradise Valley offers luxury estates with a small-town feel. The population is about 14,000 and is named one of Phoenix’s safest neighborhoods. Big homes on large lots are the staple of Paradise Valley, but that comes with a median price tag just over $1.3 million.

    Phoenix Mortgage Lenders Reviews

    AmeriSave

    Since 2002, AmeriSave has been focused on helping people take the first step toward their dream of home ownership. The company has mortgage loans for buying a new home or refinancing your existing one, including fixed-rate loans, FHA loans, HARP loans, VA loans and USDA loans. Reviewers report the online applications process is simple and easy, and loan officers are friendly and helpful.

    AmeriSave (866) 815-0655

    American Financial Lending, Inc.

    American Financial Lending, Inc. has made it their mission to treat customers like individuals rather than just another number. The company offers mortgage loans for buying or refinancing your home, working with conforming and non-conforming loans. Customers like the high quality customer service as well as the understanding, knowledgeable staff.

    American Financial Lending, Inc.

    Fairway Independent Mortgage

    Fairway Independent Mortgage strives to treat customers like a member of the family, providing exceptional customer service, speed and support. The company offers conventional loans, fixed-rate mortgage loans and refinancing options. Phoenix customers said they loved the level of customer service and how the team at Fairway was in tune with their needs.

    Fairway Independent Mortgage