What is the current mortgage rate in Arizona?

Mortgage rates fluctuate daily based on market conditions. Contact us for a personalized, real-time rate quote.

How much down payment do I need to buy a house in Phoenix?

You can buy with as little as 0% for VA, 3% for Conventional, or 3.5% for FHA loans.

How long does it take to close on a house in AZ?

Average closing time is 21-30 days, though we can often close in as little as 15 days.

Do you offer Down Payment Assistance (DPA) programs?

Yes! We offer Home in Five, Home Plus, and WISH programs covering up to 6% of costs.

Your Trusted Partner for Home Loans in Phoenix & Scottsdale

Secure a lower mortgage rate in Arizona. Experience a seamless process for your purchase or refinance with expert guidance and competitive rates from a top local loan officer.

Jonathan Moses

Senior Loan Officer

NMLS #2064741

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Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner

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Are you currently under contract?

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📋 Licensing & Consent Information

Roadrunner AZ Lending is a licensed mortgage entity (NMLS #2064741) conducting business as an Equal Housing Lender. Jonathan Moses is a licensed Senior Loan Officer under NMLS #2064741.

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Plan Your Finances

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Mortgage Calculator

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Refinance Calculator

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HELOC Calculator

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Tailored Loan Solutions for Arizona

Conventional

FHA Loans

VA Loans

Jumbo Loans

Refinance

HELOC

Why Choose Roadrunner AZ Lending?

As an independent mortgage broker, I have the freedom to shop dozens of top wholesale lenders to find the most competitive rates and flexible loan programs that fit your specific financial goals.

Access to Lower Rates

Wholesale lenders offer lower rates than retail banks, and I pass those savings directly to you.
Personalized Service

You're not just a number. You get one-on-one guidance from me, Jonathan Moses, from start to finish.

Meet Jonathan (Your Loan Expert)

Knowledge is Power

Our expert guides break down complex topics into simple, actionable advice so you can move forward with confidence.

First-Time Home Buyer's Guide

Our complete 2026 guide covering pre-approval and DPA programs in AZ.

DSCR Investor Loan Guide

Qualify based on cash flow, not your personal income. No tax returns required.

FHA vs. Conventional Loan

Learn the differences in down payment, insurance, and credit scores.

See All Our Guides →

What Our Clients Say

"Jonathan guided us through every step. He was patient, knowledgeable, and secured us a fantastic rate."

- Michael & Sarah T.

"The refinance process was unbelievably smooth and fast. Highly recommend their services."

- David R.

"Absolutely professional and always available. If you're looking for a mortgage, this is who you call."

- Emily C.

Serving All of Arizona

Local mortgage guidance for communities across the state.

phoenix scottsdale chandler gilbert mesa tempe glendale peoria paradise valley queen creek fountain hills cave creek goodyear surprise tucson flagstaff sedona prescott View All Locations →

Ready to Start Your Journey?

Apply Now Call: +14803825832