Phoenix, AZ
The straight path to a Phoenix mortgage.
Phoenix buyers get the full menu — conventional, first-time-buyer, FHA — fitted to the Phoenix budget you actually have, Arcadia included.
Who can help me get a mortgage in Phoenix, AZ?
Choice Home Mortgage can. We arrange Phoenix home loans through licensed partner brokers in Arizona and coordinate each Phoenix file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Phoenix, FHFA's 2026 one-unit limit is $832,750 (Maricopa County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What financing a Phoenix home really takes.
Phoenix is a high-growth Sun Belt market driven by relocation from California and the Pacific Northwest; new construction is abundant in outer suburbs while established inner-ring neighborhoods stay tighter.
Those Phoenix realities set the strategy. 2026 gives Phoenix buyers a $832,750 conforming cap on one-unit homes — Maricopa County sits at the national baseline. For the typical Phoenix purchase, $832,750 is headroom, not a hurdle — Phoenix files keep conventional, FHA, and VA open. Phoenix sits solidly middle-of-market as a price tier. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 1.5 million people live in Phoenix — Arcadia, Ahwatukee, and between — a short drive from Tempe or Glendale. Camelback Mountain to the Phoenix line — that’s ground we know well. From Arcadia, Camelback East, Downtown Phoenix, and Ahwatukee to everywhere else on the Phoenix map — the financing reaches all of it. Searching “mortgage broker near me” from Phoenix? We cover Phoenix by phone and online — Phoenix-level market help, no office visit. Of the 25 Arizona cities we serve, Phoenix plays by its own numbers — that’s the point: the Phoenix file, not a state template.
What working with us looks like.
Phoenix market knowledge
From Camelback Mountain across Arcadia, Camelback East, Downtown Phoenix, we keep tabs on what Phoenix homes actually go for and which programs carry them.
Down-payment friendly
We open most Phoenix files with conventional, first-time-buyer, FHA, then layer in whatever down-payment help your Phoenix numbers qualify for.
We shop; you choose
Many lenders bid on each Phoenix file we bring them — Phoenix buyers never shop one shelf.
Direct to the owner
Owner Esther Buede coordinates every Phoenix file herself, one point of contact from your first Phoenix call to your closing.
One owner, coordinating your whole loan.
Your Phoenix loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Camelback East across the Phoenix map. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Phoenix home, not a shelf product.
Near Camelback Mountain, conventional files are a Phoenix staple for us. Phoenix work runs heaviest on conventional, first-time-buyer, FHA, arranged through our licensed partner-broker network — but the full menu stays open for Phoenix files: FHA loans, VA, non-QM, and conventional. Step in wherever you are — buying, refinancing your mortgage, or comparing — begin online or call (949) 522-7310.
Phoenix buyers most often work with FHA, conventional, first-time-buyer, VA.
Phoenix 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Phoenix investors have DSCR investor loans too. See Maricopa County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. For the county-level view, including which loans fit Maricopa County prices, see our Maricopa County page.
Phoenix is the center, not the edge — Tempe, Glendale, Scottsdale are covered too. See all Arizona cities we serve →
For Phoenix, AZ: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. No Phoenix office — we work with Phoenix buyers remotely.
What Phoenix buyers ask us first.
Is there a loan limit for Phoenix purchases in 2026?
Yes. In Phoenix, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Maricopa County. Maricopa County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
As a first-time buyer in Phoenix, where do I start?
Start by checking which of FHA, conventional and VA loans you qualify for, since those are the loans first-time buyers in Phoenix use most. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Maricopa County is $557,750, per HUD.
Does it matter where in Phoenix I'm buying?
No, not for the financing: we finance homes anywhere in Phoenix, including Arcadia, Camelback East, Downtown Phoenix and Ahwatukee. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. For a one-unit home in Maricopa County, the 2026 conforming limit is $832,750.
I'm buying in Phoenix, AZ: can you handle it?
Yes. A licensed partner broker in Arizona originates the Phoenix loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Phoenix office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Phoenix?
Yes. Besides Phoenix, we also arrange loans in Tempe, Glendale and Scottsdale through licensed partner brokers. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Phoenix file.
How do we work together on a Phoenix purchase?
We start with a call to map your Phoenix purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Arizona licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Also serving homebuyers near Phoenix
Your Phoenix keys are the goal.
No call center — just Esther. We'll find what fits your Phoenix purchase and do the Phoenix lender legwork.