Phoenix Mortgage Loan Programs

Whether you are a seasoned homebuyer or a first timer, start your financing journey off right with KHoward Mortgage Team. Our Phoenix mortgage loan service offers the most competitive rates on the market and the fastest turnaround times, and is dedicated to providing an excellent selection of home loan options.

Mortgage Calculator

Use our online calculator to estimate your monthly payments, interest rates, property taxes, and more.

Home Affordability Calculator

Determine how much you can realistically afford for a house with our home affordability calculator.

Refinance Calculator

Visit with our agents or use the refi calculator to determine if refinancing is right for you.

Types of Home Loans in Arizona

Having a variety of options when it comes to home loans makes all the difference in the success of the process. As an experienced Phoenix mortgage loan team, KHoward Mortgage Team is highly knowledgeable in all types of home loans available on the market and can help you choose one that will best suit your budget and your goals. From down payment assistance to VA loans and refinancing, KHoward Mortgage Team is here to help


#1 Manufactured Home & Mobile Home Loans Near You

Qualifying for a mobile home means you have to meet specific requirements regarding credit score, down payment, and debt to income ratio. KHoward Mortgage Team can help you understand the options available for a Phoenix manufactured home loan.


Affordable Conventional Loans

To qualify for a Phoenix conventional home loan, you will need to have a minimum credit score of 620, a debt to income ratio of 45% or less, a property appraisal, and a 3% down payment. Get more information at KHoward!


Qualified VA Mortgage Rates

VA loans in Phoenix are offered by the US Department of Veterans Affairs to active or former military personnel and have no required down payment, no minimum credit score, and no maximum limit to the amount you can borrow.


Unique FHA Loans

Individuals with a lower credit score or a bankruptcy in their financial history can still qualify for a Phoenix FHA loan. It is a government-backed loan with looser financial requirements and is an excellent option for many homebuyers.


Premium Jumbo Loans

Also known as “non-conforming loans”, Phoenix jumbo loans are ideal for homebuyers with high credit scores, low debt to income ratio, and solid cash reserves. Jumbo loans go above the typical limit for how high a mortgage can be.


Trusted Down Payment Assistance

Sometimes individuals avoid purchasing their first home because they cannot come up with enough money for the down payment. At KHoward Mortgage Team, we can help you find the best down payment assistance option for your needs!


#1 Choice For First Time Home Buyers

When you work with KHoward Mortgage Team, you will find thorough, honest information as you learn about the types of home loans available and how each could benefit you. Find expert, step-by-step help when you are ready to purchase your first home!

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Client Testimonials

Home Mortgage Loans With 5-Star Reviews

Our mortgage loan experts at KHoward Mortgage Team are the best choice for home buyers seeking options when it comes to home loans. We are dedicated to helping you be financially successful!

“Great team to work with. They keep you informed and you know where you stand. Prompt service and they were always there to answer any questions. We were new to the area and things are a little different here in AZ but they walked us right thru the process and the portal made it a breeze. We would use them again! ★★★★★

James C. • Phoenix, AZ

“Amazing experience from start to finish. They are so fast and responsive to everything we needed. They make this process easy. There is no reason to go anywhere else, this is our mortgage team for life. ★★★★★

Marilyn H. • Mesa, AZ

“Kirk and his team are truly the best to work with! They are responsive and got back to any questions as soon as possible! They made buying a new home as stress free as possible and treated us with such care! We used them for our first home and couldn’t think to use anyone else for our second home now! Highly recommend! ★★★★★

Jordann M. • Scottsdale, AZ

Get In Touch With Our Mortgage Lenders

KHoward Mortgage Team has been working with great agents and clients since 1997.

Contact Phoenix’s Leading Mortgage Loan Company Today!

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