Welcome to Your Mortgage Guy, your trusted partner in navigating the world of home mortgages in Phoenix, Arizona. We understand that buying a home is one of the most significant financial decisions you’ll make, and we’re here to make the process smooth, transparent, and hassle-free.
As a leading home mortgage broker in Phoenix Arizona, we specialize in connecting borrowers with the right lenders and loan products that fit their unique needs and financial goals. Whether you’re a first-time homebuyer, looking to refinance your existing mortgage, or interested in investing in real estate, our team of experienced mortgage professionals is dedicated to helping you every step of the way.
What sets us apart from traditional lenders is our vast network of lending partners. We work with a wide range of banks, credit unions, and private lenders, ensuring that you have access to a variety of mortgage options and competitive interest rates. Our goal is to secure the best financing solution for you in Phoenix AZ, tailored to your specific financial situation and long-term objectives.
At Your Mortgage Guy we prioritize personalized service and attention to detail. We take the time to understand your unique circumstances, financial goals, and preferences, allowing us to present you with mortgage options that align with your needs. Our expert mortgage brokers in Phoenix AZ will guide you through the entire process, from the initial consultation to the final closing, answering your questions and providing guidance at every turn.
Transparency and integrity are at the core of our business values. We believe in providing clear and straightforward information, empowering you to make informed decisions. Our mortgage experts will break down complex terms and conditions, ensuring that you understand the details of your mortgage agreement. We are committed to being your trusted advisors, working in your best interest throughout the entire mortgage journey.
Whether you have excellent credit, a less-than-perfect credit history, or are self-employed, we have solutions for you. Our mortgage specialists excel in finding creative solutions for unique financial situations. We believe that everyone deserves the opportunity to achieve homeownership, and we’ll work tirelessly to find the right mortgage product for you.
We are here to help you in Phoenix AZ for having your dream of homeownership. Contact Your Mortgage Guy today to schedule a consultation with one of our experienced mortgage brokers. Let us guide you through the mortgage process and help you secure the financing you need to turn your dream home into a reality.
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.