Buy a Home in Arizona

With its thriving economy and beautiful year-round climate, Arizona is an incredible place to call home. But in order to buy a home in Arizona, you need the right mortgage.

Desert Springs Mortgage helps homebuyers in Phoenix and throughout the state of Arizona to move quickly and affordably into new homes. We also work with customers in California, Colorado, Oregon and Washington.

So, wherever you are located and are looking to settle down, we would love to connect you with the mortgage to make it happen.

Find the Type of Home Purchase Loan That is Right For You

With our network of more than 45 lenders, we have a type of mortgage which is suitable for every need.

Conventional

If you need to borrow an amount within the Fannie Mae and Freddie Mac conforming loan guidelines, a conventional mortgage could be right for you. Down payment start as low as 3%.

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VA

If you are shopping for home as a veteran, active duty service member or eligible surviving spouse, you may be able to move into a new home with zero down with the help of a VA mortgage insured by the US Department of Veterans Affairs.

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FHA

First time and returning homebuyers can purchase new homes with down payment as low as 3.5% using an FHA mortgage insured by the Federal Housing Administration.

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FHA 203K

If you want to purchase a fixer upper, you can finance both the home purchase and the cost of repairs using an FHA 203k loan.

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USDA

All of the states we serve include rural areas where you may qualify to purchase a home with a USDA loan insured by the US Department of Agriculture. Depending on your eligibility, you might be able to move in with zero down.

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Jumbo

If you need to borrow more than you are eligible to with a conforming loan, you can apply for a jumbo mortgage.

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How Do You Know What Type of
Home Purchase Loan to Choose?

A number of factors impact your eligibility for different types of mortgages as well as what types of loans may be most suitable to your needs.

Your credit score, debt-to-income (DTI) ratio, income, and financial history are all taken into consideration when determining your eligibility for different types of loans. For VA mortgages, your service record is also a factor.

Further, you need to ask yourself questions to figure out what type of mortgage will help you to achieve your goals as a homeowner.

Do you plan to stay in your new home for just a few years, or a few decades? How much can you afford to put down on a home? What kind of financial liquidity do you require in the coming years?

During your consultation, we can walk you through these and other questions to help you determine what type of mortgage will be a fit for your needs. We can also go over your qualifications in detail and let you know what you are eligible for.

Buy a Home in Phoenix Now

If you are ready to purchase a home in Arizona, California, Colorado, Oregon, or Washington, Desert Springs Mortgage can connect you with a flexible, affordable loan. To schedule your consultation now, please call us at
(623) 432-1309.

FREE Home Purchase Qualifier

See What Our Clients Are Saying About Us!

Edward Brabham
Edward Brabham
22:08 09 Jun 20
Awesome working with Desert Springs, very professional, thorough and prompt when having answering questions - 1st and last choice when dealing with my mortgage
Carol Johnston
Carol Johnston
01:16 05 Jun 20
Mitch and Shana have done 3 mortgages for our family. The last one that closed Tues for our daughter was a mess. They never gave up on trying to make it work. We are so thankful for them.
Mark Lawson
Mark Lawson
00:17 05 Jun 20
Great experience ! Very efficient and professional !!
Edward Brabham
Edward Brabham
20:56 04 Jun 20
Awesome working with Desert Springs, very professional, thorough and prompt when having answering questions - 1st and last choice when dealing with my mortgage
Rob Hannaford
Rob Hannaford
20:13 04 Jun 20
Mitch got the job done where another lender failed! He is fast, professional, very responsive and always offers valuable advice. It was a pleasure working with Mitch & Shana and I would recommend them to anyone!
Rob Boyer
Rob Boyer
19:46 04 Jun 20
Mitch and Shana were absolutely professional, prompt with answers to any questions we had, and upfront about what the whole process would entail. They were personable and caring. If we need another Mortgage Service Company in the future, there's only one name that comes to mind. Desert Springs Mortgage. Always kept us informed of what was happening and what was coming up in the process. Thanks Mitch & Shana
Joshua Brees
Joshua Brees
14:06 05 Sep 19
One of the best experiences we have had in a very long time. The process was seamless and stress free. The group at Desert Springs is a poster child of true customer service. Thank you Mitch for you and the teams support during a stressful time.
Anne Hartner
Anne Hartner
20:02 24 Jul 19
Answered my many questions and made the process as smooth as possible. Good team!
Judy Ann Young
Judy Ann Young
16:08 05 Jun 19
Mitch Stam worked very hard to make sure that I received the best rate and mortgage to fit my requirements. I have been through the home purchasing experience a few times. This is the first time someone really was looking out for my best interests. I would highly recommend working with Mitch to anyone looking for a home mortgage.
Carol Trammell
Carol Trammell
18:52 17 Apr 19
Great experience working with Mitch and Shana. Very professional yet warm and friendly. They were really upfront and on top of every detail. Thank you!
J P
J P
22:44 08 Apr 19
Excellent group to work with. They are dedicated to their work and helping the customer. We had a lot of issues with our house purchase all being the sellers fault and Desert Springs Mortgage did everything in their power to correct the issues. I highly recommend them and I would definitely use them again.
Heidi Stallings
Heidi Stallings
21:32 02 Apr 19
I have been through many refinances over the years and this was the smoothest, quickest and most efficient refi I have every done. Everyone I spoke to was great, Mitch kept me up to date on everything that was happening and everything went through smoothly. I would highly recommend Desert Springs Mortgage.