Buying Your First Home in Phoenix and the West Valley: Down Payment Help, FHA, VA and New Builds
What a first home costs around Phoenix in 2026, the down payment programs open in Maricopa County, how FHA, conventional and VA compare, and what HOA dues and CFD charges add on West Valley new builds.
Conventional Loans in Phoenix: 2026 Requirements, Builder Credits and How to Drop PMI
What it takes to get a conventional loan in the Phoenix area in 2026, from credit and debt to income rules to 3% down options, builder and seller credit limits, PMI removal and when FHA is the better deal.
Self Employed Home Loans in Phoenix: How Lenders Read Your Business Income in 2026
How lenders read self employed income in 2026 for Schedule C, S corporation and partnership owners, with a Peoria example, the K1 distribution rule and when a bank statement loan is worth the higher rate.
DSCR Loans in Phoenix: Qualify a Rental on Its Rent, with West Valley and Phoenix Numbers
How Phoenix area investors qualify a rental on its rent, with three local examples that show what HOA dues and CFD charges do to the ratio, typical lender requirements and the Maricopa County rules for landlords.
The Bank Said No. We Got Him Approved Anyway – Using His Assets, Not His Income.
An asset depletion mortgage converts your retirement and brokerage accounts into qualifying income without liquidating anything. Here’s how the math works, who it fits, and where it stops working.
Cash to Close Is Not The Same As Closing Costs – Where Most Buyers Get Burned
Closing costs and cash to close are two different numbers, and most buyers don’t find that out until the worst possible moment. Here’s how to plan for it early.