VA loans for Phoenix-area veterans
$0 down, no monthly PMI, and competitive pricing for eligible veterans, active duty, and surviving spouses in Phoenix, Glendale, and the Valley. Residual income and occupancy still apply.
Giancarlo Anduray (NMLS 1537433) pairs VA with the same tax-planning conversation when the household has self-employment or rental income on the side. AFM Lending, powered by PMR. Loans through Premier Mortgage Resources, NMLS #1169.
$0 down and no monthly PMI
Eligible VA purchases can close with no down payment and no monthly mortgage insurance. Funding fee rules, exemptions, and entitlement still matter. We check COE and occupancy before you write an offer.
Who qualifies
Veterans, active duty, and many surviving spouses serving Phoenix, Glendale, and the greater Valley. Residual income is the VA-specific underwrite — not just DTI.
Valley files
Insurance, HOAs, and property type in Phoenix and Glendale change the residual-income test. We originate from 4733 W Thomas Rd Ste 5, matching the live GBP for Giancarlo Anduray – NMLS 1537433.
VA + other income
Side self-employment or rentals do not automatically kill VA. They do change documentation. If the 1040 fights the file, we look at structure — including whether a Non-QM overlay is cleaner than forcing VA.
Refinance and IRRRL
Rate-and-term and cash-out VA refinances are in scope when the numbers beat staying put. We compare that to a HELOC when you only need a second lien.
Mortgage + tax planning
Disability income, rentals, and small businesses belong on the Mi Casa side of the same advisor relationship.
Hablamos Español
Bilingual VA files welcome. Same advisor, same COE conversation.
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.