Mortgage and Tax Planning in Phoenix
You should not have to choose between a loan officer who does not read tax returns and a tax pro who does not close mortgages.
Mi Casa Tax Advisors is Giancarlo Anduray’s tax firm. AFM Lending, powered by PMR, is the mortgage side. Same advisor. Same numbers. One plan for building net worth through real estate.
This is a first-class part of the practice — not a footer line.
Who this is for
- W-2 buyers who want the purchase and the write-offs explained in one conversation
- Self-employed borrowers whose returns do not tell the whole income story
- Investors using DSCR or bank-statement files who still have a tax picture to manage
- Anyone who has not filed and is asking whether they can still buy
I haven’t filed my taxes — can I buy a house?
Often yes — with a plan. FHA, Conventional, VA, and Non-QM each treat missing or late returns differently. Some files can move on transcripts, extensions, or bank-statement documentation. Some need the return filed first.
Do not guess from a generic pre-approval form. Book a strategy call and we will tell you whether to file first or structure the loan around the gap.
How the two practices work together
- Discovery — goals, timeline, tax status, and how you actually earn.
- Structure — Conventional / FHA / VA vs Non-QM (bank statement, DSCR, or single-page P&L).
- Tax picture — what buying, refinancing, or pulling equity does to this year’s return and the next.
- Execution — apply with PMR, stay in one thread through closing.
Self-employed and Non-QM files
If your tax return understates how you actually earn, a Conventional file will fight you. Non-QM covers bank statement, DSCR, and single-page P&L as one program family — not three separate loan types.
We pair that structure with the tax conversation so the loan and the return are not working against each other.
Phoenix office and hours
Giancarlo Anduray, NMLS 1537433. AFM Lending, powered by PMR. Loans through Premier Mortgage Resources, NMLS #1169.
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 (the live GBP address — not Goodyear).
Mon–Fri 8:00 AM–7:00 PM · Sat 9:00 AM–1:00 PM · Sun Closed
623-552-4191 · gian@pmrloans.com
Hablamos Español
Giancarlo is bilingual in English and Spanish and still serves many Spanish-speaking Phoenix and Glendale families, while also working with higher-income clients who want strategy — not a rate quote.
What to bring
Prior-year returns if they exist, 12–24 months of bank statements, and a target close date. We will tell you straight whether to file first or structure the loan around the gap.
Book a strategy call
Book a strategy call · Apply now
NMLS #1537433 · Premier Mortgage Resources NMLS #1169 · 4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191
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.