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!

Larry Geer
Larry Geer
18:16 12 Jul 21
Was very happy with the whole house buying process they made it easy
Chris King
Chris King
14:13 06 Feb 21
When in the bottom of the 9th, the preferred lender gave up on me. So, I reached out to Mitch with Desert Springs and I wish I would have just started with them.Not only did Mitch and his team get... me a house loan, they also got my an amazing rate and they got the closing done in record timing!!Next time I need a mortgage, I’m going to Desert Springs. As well as, going to refer anyone I know that needs a mortgage too.Thanks Desert Springs!read more
N. Patrick Waddell
N. Patrick Waddell
16:51 27 Jan 21
Samantha Pierce
Samantha Pierce
03:03 27 Jan 21
Debbi Mitchell
Debbi Mitchell
02:44 27 Jan 21
I would 100% recommend Mitch and Shana Stam at Desert Springs Mortgage. My 1st time buying a house and I was so nervous and had 100's of questions. They were there for me every step of the way.... Mitch and Shana you are the best. Thank you for everything! We love our new home 💖read more
Travis Cary
Travis Cary
00:45 27 Jan 21
Mitch is great and always is their to answer questions and guide you through the process.
Estuardo Escobar
Estuardo Escobar
00:38 27 Jan 21
Linda Daniels
Linda Daniels
22:15 13 Oct 20
Working with Desert Springs was a very enjoyable experience. Few problems arose but were handled expediently and very professional. You kept us advised of everything that occurred along the way. ... Loved doing business with you. We will recommend you to our friends.Many thanks,James and LInda Danielsread more
aether
aether
18:33 28 Sep 20
Excellent, efficient, and easy to work with! Highly professional, supportive, and friendly. I’m a 100% satisfied customer. Would recommend to anyone!
Bri Rampick
Bri Rampick
00:18 25 Sep 20
Gwendolyn Dunn MUSIC
Gwendolyn Dunn MUSIC
15:17 16 Jun 20
Michael Perino
Michael Perino
18:22 15 Jun 20
This was our first experience with a mortgage broker and we have nothing but positive things to say about the services provided by Desert Springs Mortgage. While the financing process itself s... archaic and burdensome, Mitch’s knowledge and experience minimizes the demands placed on the borrower. We would recommend Desert Springs Mortgage without hesitation.read more
Richard Marshall
Richard Marshall
18:02 15 Jun 20
Always have had good experiences. Thank you
Ann Caswell
Ann Caswell
15:42 15 Jun 20
Mitch was very prompt and helpful. He explained everything very well.
Gia Donor
Gia Donor
04:42 15 Jun 20
I would like to thank Mitch and Sarah for taking a time helpIng me finding Lower interest and affordable mortgage. I appreciate you very much for letting me know this good opportunity when it... comes.Thank you again.read more
Jobana Garcia
Jobana Garcia
23:13 14 Jun 20
Great team !I was a first time buyer of my house and they always answered all my questions. Definitely the bests!!
dt5az
dt5az
20:16 14 Jun 20
Michael Beach
Michael Beach
19:58 14 Jun 20
I have used Desert Spring Mortgage to purchase and refinance my home. They we abke to get everything done both times in a timely manner.
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
Jason Allen
Jason Allen
19:47 09 Jun 20
Austin Vandever
Austin Vandever
18:01 06 Jun 20
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.
B Diddy
B Diddy
01:05 05 Jun 20
Scott Nelson
Scott Nelson
00:29 05 Jun 20
Mitch is awesome!
Mark Lawson
Mark Lawson
00:17 05 Jun 20
Great experience ! Very efficient and professional !!
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 & Shanaread more
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.read more
Anne Hartner
Anne Hartner
20:02 24 Jul 19
Answered my many questions and made the process as smooth as possible. Good team!
Aaron Friedman
Aaron Friedman
20:52 22 Jul 19
Donna ONeal
Donna ONeal
16:01 29 Jun 19
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