Loan Programs in Phoenix, AZ

As a locally owned and family-operated mortgage company based in Phoenix, we partner with over 45 different lenders to bring you a variety of loan products with competitive rates throughout the states of Arizona, California, Colorado, Oregon and Washington.

We believe that there is a mortgage which is ideally suited to every need. No matter your situation, we will find you an affordable, flexible loan that helps you achieve your goals.

Desert Springs Mortgage Offers These Loan Programs in Arizona

Conventional

This type of mortgage conforms to the Fannie Mae and Freddie Mac conforming loan limits. Down payments start as low as 3%. There are no processing fees for our conventional loans, or for VA, FHA or USDA loans.


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VA

If you are a veteran, active-duty service member or eligible surviving spouse, you can apply for a loan insured by the US Department of Veterans Affairs (VA). With this type of mortgage, you can move into a home in Phoenix now with zero down and affordable rates.


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FHA

A favorite of first time homebuyers, the FHA mortgage program is backed by the Federal Housing Administration (FHA). This type of loan includes a down payment as low as 3.5%. Returning homebuyers are also welcome to apply.


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FHA 203K

This is a special type of FHA-insured mortgage which you can use to buy and restore a fixer-upper.


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USDA

USDA rural home loans are guaranteed by the US Department of Agriculture. Through this income-based program, you could buy a home with no down payment and affordable rates.


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Jumbo

When you need to borrow an amount higher than is possible through the Fannie Mae and Freddie Mac conforming loan limits, a jumbo mortgage gives you the financing you need.


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Reverse Mortgages

Senior citizens can apply for a reverse mortgage to borrow against their home equity. You can use this type of loan to pad your finances during retirement while remaining in your home.


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Commercial

If you need a loan to purchase commercial real estate in Phoenix, AZ, we can help you close fast on an office, store, warehouse, or other type or property.


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Non-Warrantable Condos

We can help you buy a condo which doesn’t meet the Fannie Mae and Freddie Mac standards for warrantability.


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Fix and Flip Loans

With this type of fast short-term financing, you can fix and flip Arizona real estate. We make the process smooth and easy so you can get the most out of your investment.


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We Can Help You Find the Right Type of Loan in AZ

If you are ready to find the right type of financing for your needs, Desert Springs Mortgage is here to help. To schedule your consultation today, please give us a call at (623) 432-1309. We look forward to connecting you with your ideal loan in Phoenix and throughout the states of Arizona, California, Colorado, Oregon and Washington.

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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.