Mortgage Broker in Arizona
Licensed by the Arizona Department of Insurance and Financial Institutions as both a mortgage banker and a mortgage broker, MortgagePros shops your loan across the lenders we work with and closes it through an Arizona escrow company near you, from Phoenix and Tucson to Flagstaff and Yuma.
Arizona Mortgage Banker License 1029604 and Mortgage Broker License 1021032. NMLS #1925352. Rated 4.9 across 5,300+ Google reviews.
15
Arizona counties, one licensed pro as your contact
2019
Founded in Troy, Michigan
300+
Licensed loan officers on the team
4.9
Average of 5,300+ Google reviews
39
States licensed, headquartered here
What is different about an Arizona mortgage.
Arizona charges no state tax on the sale or the loan. There is no real estate transfer tax and no mortgage tax; the only government charge on the deed is a recording fee, and the state’s Affidavit of Property Value is a form, not a bill. Closings run through an escrow and title company rather than an attorney, and by custom the seller pays for the owner’s title policy while the two sides split the escrow fee.
What Arizona adds instead is the homeowners association. Most metro Phoenix and Tucson subdivisions have one, state law requires a disclosure packet from the association before closing, and lenders count the dues in your monthly payment. We ask for the dues on the first call so the pre-approval is real.
Property taxes are paid in arrears in two halves, due October 1 and March 1, and the seller credits you their share at closing. In the metros the FHA limit sits above the national floor, $557,750 in Maricopa and Pinal counties, and Flagstaff’s Coconino County carries the highest in the state at $609,500.
Licensed in Arizona, exactly as filed.
Both licences are issued by the Arizona Department of Insurance and Financial Institutions and can be verified on the NMLS Consumer Access site under MortgagePros, LLC, NMLS #1925352.
AZ
Arizona
Arizona Mortgage Banker LicenseLicense No. 1029604Arizona Mortgage Broker LicenseLicense No. 1021032
2026 loan limits in Arizona.
Arizona has no high-cost counties for conforming loans, so the FHFA baseline applies statewide. FHA limits from HUD rise in the two metro counties and in Flagstaff. VA loans have no limit for veterans with full entitlement.
| Area | Conforming (1 unit) | FHA (1 unit) |
|---|---|---|
| Maricopa (Phoenix, Scottsdale, Mesa, Chandler) and Pinal | $832,750 | $557,750 |
| Coconino (Flagstaff) | $832,750 | $609,500 |
| Pima (Tucson) and every other county | $832,750 | $541,287 |
Two- to four-unit limits are higher. Your pro checks the exact county figure against the home you are looking at.
Phoenix to Flagstaff
One licensed pro from the first call to the escrow office, wherever in Arizona the home is.
Arizona closing costs, and who usually pays them.
Arizona closes through escrow, with no attorney and no transfer tax. These are the customs in the standard Arizona purchase contract, and each can be negotiated.
01
No transfer tax
Arizona charges no tax on the sale or the mortgage. The deed is recorded for a flat county fee, a flat $30 per document, and the Affidavit of Property Value is filed with it.
02
Escrow fee
The escrow company’s fee for holding funds and closing the file, customarily split evenly between buyer and seller.
03
Owner’s title policy
Customarily paid by the seller in Maricopa, Pima, Pinal and most other counties. The buyer pays for the lender’s policy the loan requires.
04
Property taxes in arrears
Two halves a year, due October 1 and March 1. The seller credits you their share of the current year at closing, and the tax escrow is yours from then on.
05
HOA disclosure and transfer fees
Arizona law requires the association to deliver a disclosure statement before closing; the fee for it and any transfer or capital contribution fee are set by the association and usually paid by the buyer.
06
Recording after funding
Arizona is a dry-funding state: the lender releases funds after the deed records, normally the same day. You get keys once the recording is confirmed, which is why closings here are usually scheduled in the morning.
Every loan we offer, in Arizona.
The same seven products as everywhere we are licensed, underwritten to Arizona’s escrow process, HOA rules and metro limits.
Buying
Home purchase
A quick pre-approval, with HOA dues and the two-half property tax already in your payment estimate.
3.5% down
FHA loans
Credit scores from 580 and a $557,750 limit across metro Phoenix.
Zero down
VA loans
Luke, Davis-Monthan, Fort Huachuca and Yuma: Arizona has more than half a million veterans. No down payment, no monthly mortgage insurance.
From 3% down
Conventional loans
Best pricing for good credit, mortgage insurance you can ask to cancel at 80 percent of the original value, and the route for second homes in Sedona or Flagstaff and for rentals.
Above $832,750
Jumbo loans
Paradise Valley, north Scottsdale and the Catalina Foothills sit above the conforming line. Lender-by-lender rules; we place the file where it fits.
Lower payment
Refinance
With no mortgage tax, an Arizona refinance costs less to close than in most states, so the break-even comes sooner. We run it before you commit.
Use your equity
Cash-out refinance
A new roof or HVAC before the summer, a pool, debt consolidation or a rental down payment, paid from equity at a mortgage rate.
How it works from Michigan to Arizona.
Most Arizona clients never meet us in person, and nothing about the loan is slower for it.
1
Tell us the goal
A short call about what you want to do and where in Arizona. We run the numbers with taxes, insurance and HOA dues included.
2
Apply and upload
The application, disclosures and signatures are online. An Arizona-licensed pro reviews everything and stays on your file to closing.
3
We shop the loan
Your file goes to the lender whose pricing and rules fit it. You see the options side by side.
4
Close through escrow
Signing happens at an Arizona escrow and title office near you, or with a mobile notary. Funds release when the deed records, usually the same morning.
Ready to buy or refinance in Arizona?
An Arizona-licensed pro quotes your options with taxes, HOA dues already in the numbers. Free, and it starts without a hard credit pull.
Arizona mortgage FAQ
The questions Arizona buyers and homeowners ask us most. If yours is not here, a licensed pro will answer it directly, with no obligation.
Is there really no transfer tax in Arizona?
Correct. Arizona has no tax on the sale of a home and no tax on recording a mortgage. You pay a flat county recording fee and file an Affidavit of Property Value with the deed, which is required by state law but costs nothing beyond the recording. It is one reason both purchases and refinances are cheaper to close here than in most states.
What does the HOA have to do with my loan?
Lenders count HOA dues in the monthly payment used to qualify you, and for condos and some planned communities they also review the association’s budget and insurance. Arizona law requires the association to deliver a disclosure packet before closing. Tell us the dues on the first call and the pre-approval will already reflect them.
What is a dry-funding state and why does it matter?
In Arizona the lender releases the money after the deed is recorded with the county, not at the signing table. Recording usually happens the same day, so closings are scheduled in the morning and you get keys once escrow confirms the recording. Sign on a Friday afternoon and you may be waiting until Monday.
Do I have to come to Michigan?
No. Your licensed pro handles the loan by phone, email and e-signature. The closing is done at an Arizona escrow and title office near you or with a mobile notary, and the Arizona licences on this page are what allow us to lend and broker in the state.
Why is the FHA limit higher in Phoenix than in Tucson?
HUD sets FHA limits county by county from median home prices. Maricopa and Pinal counties are at $557,750 for 2026 and Coconino County, where Flagstaff prices run higher, is at $609,500, while Pima County and the rest of the state sit at the national floor of $541,287. The conforming limit is the same everywhere in Arizona: $832,750.
Talk to an Arizona-licensed pro.
Tell us what you are looking to do and where in Arizona. A licensed pro will call back, usually the same business day. Asking does not start a loan or require a hard credit pull.
Prefer to talk?
248-416-1361
Open 24/7. Ask for your pro by name.
Visit our office
880 W. Long Lake Rd, Suite 300
Troy, Michigan 48098, just off I-75. Free parking.
Licensed and reviewed
Arizona Mortgage Banker License 1029604 and Mortgage Broker License 1021032. NMLS #1925352. Rated 4.9 across 5,300+ Google reviews.