Refinance in Tempe, AZ

High-interest credit card debt eating into your cash flow? A cash-out refinance in Tempe can wipe out high-interest debt, often saving homeowners hundreds per month even if the mortgage rate is slightly higher.

Real Estate in Tempe, Arizona

Market Insights for Tempe Buyers

Home to ASU and a vibrant urban scene, Tempe is ideal for investors and those who love a walkable lifestyle with diverse financing needs.

We provide service across the entire Tempe area, including zip codes: 85281, 85282, 85283, 85284.

Neighborhood Focus: Tempe

Tempe is more than just a college town. **South Tempe** (85284) offers expansive lots and custom homes, while the **Maple-Ash** neighborhood provides historic character near the university.

South Tempe Warner Ranch Maple-Ash Broadmor Lindon Park

Down Payment Assistance (DPA) in Tempe

You may qualify for grants to cover your down payment! Homebuyers in Tempe may be eligible for programs like: Home in Five.

Don't miss out on free money! See the full requirements in our Arizona DPA Guide.

Why Get a Refinance with a Local Lender?

Choosing a local expert matters. Our team provides highly competitive rates and deep knowledge of the local appraisal environment in Tempe.

  • Key Benefit: Consolidate high-interest debt or lower your monthly payment.
  • Property Tax Insight: The estimated property tax rate in your area is 0.64%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Tempe

What is the conforming loan limit in Tempe?

For 2025, the standard conforming loan limit for Tempe is $766,550. Loans above this amount typically require Jumbo financing.

Are there down payment assistance programs available?

Yes! Homebuyers in Tempe may be eligible for programs like Home in Five. Check your eligibility here.

What credit score do I need to buy a house in Tempe?

It depends on the loan program. Generally, FHA loans allow scores as low as 580, while Conventional loans typically require 620+. For Jumbo loans in luxury areas, a score of 700+ is often needed.

Rate Quote: Tempe

See how much you can save or qualify for. We offer free, no-obligation quotes for Refinances in the Tempe area.

Apply for a Refinance

Or call Jonathan directly:
+14803825832

Tempe Market Data

  • Median Price $495,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.64%
Tip: This area is excellent for low-down-payment FHA and Conventional loans.

Get Your Tempe Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
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