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Phoenix, Arizona

Your Phoenix mortgage broker.

Buying your first home in the Valley, moving up, or refinancing the home you have, we compare loans from multiple lenders and walk you through every step. Family-owned since 2005.

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Local Lending

Local guidance for Phoenix homebuyers

Phoenix is the largest housing market in Arizona, and no two buyers here need the same loan. A first condo near downtown, a family home in North Phoenix or Ahwatukee, or a rental on the west side each calls for a different program and a different plan.

As a mortgage broker, Marketline compares programs and pricing from several lenders instead of offering one bank's products. Our office sits just off Scottsdale Road in the 85254 zip code, close to the agents, title companies, and appraisers who work your side of town.

Phoenix at a glance

2026 conforming limit: $832,750
2026 FHA limit: $557,750
FHA down payment: From 3.5%
Serving the Valley: Since 2005

Loan Programs

Phoenix loan options

First-time buyers

FHA Loans

Down payments from 3.5% and more flexible credit guidelines. Maricopa County's 2026 FHA limit is $557,750 for a single-family home.

The classic

Conventional

As little as 3% down for qualifying first-time buyers, with mortgage insurance that can come off as you build equity.

For those who served

VA Loans

No down payment for eligible veterans and service members, and no county loan limit for borrowers with full entitlement.

Lowering your payment

Refinance

Lower your rate, shorten your term, or take cash out for a pool, a remodel, or paying down debt.

For investors

DSCR Loans

Phoenix rentals qualified on the property's rent instead of your tax returns.

Business owners

Self-Employed

Options for borrowers whose tax returns don't tell the whole story of their income.

Know Before You Buy

Phoenix details we plan for

Solar panels

Many Phoenix homes have rooftop solar. Owned panels are simple. Leased panels and power purchase agreements have to be reviewed and transferred, so we start that paperwork early.

HOA dues

Most newer Valley neighborhoods have an HOA. Dues count in your qualifying payment, and condo buildings may need a project review before a lender approves the loan.

Property taxes

Maricopa County property taxes are paid in two halves, due October 1 and March 1. Your closing date sets how much goes into your escrow account at closing.

Pools

Appraisers note a pool's condition, and FHA and VA loans require any safety hazards to be fixed before closing.

Questions

Phoenix mortgage FAQ

How much do I need for a down payment in Phoenix?

It depends on the loan. FHA loans start at 3.5% down with a credit score of 580 or higher, conventional loans can go as low as 3% for qualifying first-time buyers, and VA loans can require nothing down for eligible veterans. You'll also need funds for closing costs, which a seller can sometimes help pay.

What are the 2026 loan limits in Phoenix?

Phoenix is in Maricopa County, where the 2026 conforming loan limit for a single-family home is $832,750 and the FHA limit is $557,750. Loans above $832,750 are jumbo loans, which we also offer.

Why use a mortgage broker instead of a bank?

A bank can only offer its own loans. A broker compares programs and pricing from several lenders and matches you with the one that fits. You still work with one person, Taum, from application to closing.

How long does it take to close on a Phoenix home?

Many purchase loans close in about 30 days, and some close faster. We set the timeline with you and your agent at the start and keep everyone updated until closing.

Talk with Taum about your Phoenix loan.

Free consultation, no pressure. Office 480-967-TAUM (8286) · Cell 480-797-4898

David “Taum” Hemmingsen Owner · Banker · Broker NMLS #51267 · AZ MLO License #0910918

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