Mortgage Broker · Arizona
Your Arizona mortgage BFF.
“From the Valley of the Sun to the high country.”
Buying, refinancing, or investing in Arizona? I'm a licensed Arizona mortgage broker working with buyers across the state — independent, honest, and comparing multiple lenders to find you a competitive rate, all handled securely online, by phone, or by text.
Your Arizona Broker
Arizona home financing, without the pressure
Arizona draws every kind of buyer — first-time buyers settling into the Phoenix suburbs, families relocating for work, retirees and snowbirds picking out a winter home, and investors adding rentals in one of the country's busiest markets. Different goals call for different loans, and as an independent broker I'm not tied to any single lender's menu.
Whether you're comparing new-build neighborhoods in Queen Creek, an older bungalow near downtown Tucson, or a second home in Scottsdale, I'll lay out the real options in plain language — and the entire process can happen securely online.
Whether it's your first place in Mesa or a winter home in Scottsdale, you'll get straight answers and real options — never a hard sell.
— Stef Simmons, Mortgage Broker · NMLS #1607894
Book a Call →Communities I Serve
Home loans across Arizona
From the Valley of the Sun to Tucson, the high country, and the river towns — statewide.
🌵 Phoenix Metro
Phoenix, Mesa, Chandler, Gilbert, Scottsdale, Tempe, Glendale, Peoria, Surprise, and Queen Creek — the Valley of the Sun.
☀️ Tucson & Southern Arizona
Tucson, Oro Valley, Marana, Sahuarita, and Sierra Vista in the southern part of the state.
🏜️ Northern & Western Arizona
Flagstaff, Prescott, Sedona, Lake Havasu City, Yuma, and communities statewide.
Also lending in Washington, Oregon, Idaho, Texas & Wyoming. See Kennewick & the Tri-Cities, Portland & Oregon, Idaho, Texas, or Wyoming.
What I Can Help With
Loan options for Arizona buyers
Conventional
Flexible financing for primary homes, second homes, and investment properties.
FHA
Lower down payments and flexible credit — a popular first-home path across the Valley.
VA
Zero-down financing for veterans and service members — a strong fit in Arizona’s large military community.
Jumbo
Financing above conventional limits for higher-priced homes in markets like Scottsdale and Paradise Valley.
DSCR
For investors: qualify on the property’s rental income instead of your personal income.
Refinance
Lower your rate, change your term, or tap equity in a home you already own.
Also offering USDA loans for eligible rural Arizona communities, plus bank statement, ITIN, and other non-QM programs. Buying your first home? Ask me about down-payment help — the Arizona Department of Housing is the state’s official housing agency. See all loan options →
Trusted by homebuyers across Arizona and the West.
Read Google Reviews →Good to Know
Arizona mortgage FAQs
Do you do home loans in Arizona?
Yes. I'm licensed in Arizona and work with buyers and homeowners across the state — the Phoenix metro, Tucson, Flagstaff, and everywhere in between — for purchases and refinances, all handled securely online or by phone.
Can you help with a second home or winter home in Arizona?
Absolutely — second homes are a big part of the Arizona market. Financing a second home works a little differently than a primary residence, and I'll walk you through how down payment and qualifying differ before you commit to anything.
Do you work with Arizona real estate investors?
Yes. DSCR loans let investors qualify on a property's expected rental income rather than personal income, and bank statement programs help self-employed buyers. I'll help you compare those against conventional investment-property financing.
I'm relocating to Arizona — can you help?
Definitely. Relocations are a big part of what I do, and I'm licensed in Arizona, Washington, Oregon, Idaho, Texas, and Wyoming — so I can help whether you're moving to Arizona or from it.
Last reviewed: August 2026. This page is general education, not financial advice or a commitment to lend.
Let's Talk
Ready to get started in Arizona?
Call or text (503) 481-7866, email simmons@barrettfinancial.com, or reach out below.