Phoenix, AZ
Your Phoenix, AZ mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Phoenix — clear guidance from pre-approval through closing.
How Phoenix buyers get to the closing table.
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.
That market shapes the loan. In Maricopa County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Phoenix purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and conventional options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Phoenix from the ground up — close to Camelback Mountain. We finance homes across Arcadia, Camelback East, Downtown Phoenix, and Ahwatukee — and every other corner of Phoenix. Looking for a mortgage broker near you in Phoenix? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Phoenix market knowledge
Near Camelback Mountain, across Arcadia, Camelback East, Downtown Phoenix — we know Phoenix's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Phoenix buyers often start with FHA, conventional, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Phoenix file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Phoenix loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Phoenix, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Phoenix financing that fits the home and the borrower.
For Phoenix we lean on FHA, conventional, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Phoenix, we also help buyers in Tempe, Glendale, Scottsdale. See all Arizona cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Phoenix, AZ buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Phoenix office.
Phoenix mortgage questions, answered.
What's the 2026 conforming loan limit in Phoenix?
In Maricopa County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Phoenix?
Most Phoenix buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Phoenix neighborhoods do you serve?
We serve buyers across Phoenix, including Arcadia, Camelback East, Downtown Phoenix. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Phoenix, AZ?
Yes. We help Phoenix homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate AZ financing for you.
Do you serve areas near Phoenix?
Yes — we also work with buyers in nearby Tempe, Glendale, Scottsdale. Same process, local loan-limit details for each.
Let's finance your Phoenix home.
Straight answers on your Phoenix options, and a broker who shops the whole market so you don't have to.