Down Payment Assistance & Equity Access
Two tools, one page: down payment assistance (DPA) for buyers who need help with cash to close, and Equity Access for homeowners who need a structured way to use equity without flattening the first mortgage.
Down payment assistance
Arizona and local programs can cover part of the down payment or closing costs on FHA, Conventional, and sometimes VA files. Layers, income caps, first-time-buyer definitions, and occupancy rules change. We match the program to the property and the file.
West Valley / FHA
FHA in the Avondale / West Valley corridor still matters. Primary hubs are Phoenix and Glendale, served from the Thomas Rd office.
Equity Access
For existing homeowners: a product path to tap equity when a standard cash-out or HELOC is not the cleanest fit. We compare this next to a HELOC and a refinance in the same conversation.
What to bring
Income, target purchase price or estimated value, and whether you are a first-time buyer. We will tell you which stack actually funds.
Tax angle
Assistance and equity products change your cash and sometimes your return. Mi Casa Tax Advisors is part of that conversation.
Hablamos Español
Bilingual first-time buyers are a core file type here — not an afterthought.
NAP
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Mon–Fri 8–7, Sat 9–1.
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.