Home Purchase Loans in Phoenix, AZ
Buying a home in Phoenix or Glendale starts with the right file type, not a generic preapproval letter. Giancarlo Anduray (NMLS 1537433) structures Conventional, FHA, VA, and Non-QM purchases through AFM Lending, powered by PMR, then pairs the note with tax planning at Mi Casa Tax Advisors.
This is not a national brochure. We look at insurance, condos vs. SFR, down payment assistance stacking, and what your 1040 actually says. If you have not filed, start at Mi Casa Tax Advisors before you write an offer.
Who this is for?
Phoenix and Glendale buyers who want a bilingual originator and a tax-informed purchase plan. First-time buyers, move-up buyers, self-employed households, ITIN and foreign-national files, and investors who need a real exit.
Primary hubs are Phoenix and Glendale. Expansion: Scottsdale, Tempe, Peoria, Cave Creek, and Surprise. West Valley FHA files still close from the Thomas Rd office.
Conventional, FHA, and VA
Conventional when credit, down payment, and documented income fit agency guidelines. FHA at 3.5% down when credit or cash-to-close is the constraint. VA for eligible veterans, active duty, and surviving spouses ($0 down, no monthly PMI; residual income still applies).
We run the payment with Phoenix and Glendale insurance before you lock a strategy.
First-time buyers and down payment assistance
Arizona and local assistance can layer with FHA or conventional when income caps and occupancy fit. See Down Payment Assistance and Equity Access.
The question is not “can I do 3%.” It is which stack still looks clean after insurance, HOA, and the tax picture.
Self-employed, unfiled taxes, Non-QM
If the 1040 understates how you earn, do not force a W-2 purchase file. Bank statement, DSCR, and single-page P&L live on Non-QM.
Missing returns often still move, with a plan. Start at Mi Casa Tax Advisors if you have not filed.
ITIN, foreign national, lease-to-own
Buyers filing with an ITIN: ITIN mortgages. Buyers without a U.S. credit file or SSN: foreign national. Households who need time in the property before a traditional purchase: lease-to-own.
Each is a real file, not a brochure add-on.
Construction and investors
Ground-up and renovation convert to permanent financing on the construction page. Short-term, asset-based investor work is hard money.
Hablamos Español
Giancarlo is bilingual EN/ES. Spanish-speaking Phoenix and Glendale families get the same strategy conversation — not a translated brochure.
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