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Immerse yourself in the stunning landscapes of Arizona, from the Grand Canyon's majestic wonder to vibrant desert cities. Arizona offers a year-round warm climate, outdoor recreation, and a thriving economy. Find your perfect place in the sun with our affordable mortgage rates.

What our Arizona clients say

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Ryan K.

google

We cannot thank Glenn enough for the care and dedication he showed throughout our home-buying process. Glenn is personable and truly cares about the people he works with. Being first-time homebuyers, we had many, many questions, and Glenn answered them all with clarity and understanding, no matter how silly they may have been! He taught us so much about the process, and we are forever grateful to have Glenn on our team.

Shannon M.

google

Glenn was absolutely phenomenal throughout our entire home buying process. He was detail oriented, patient, responsive, and a pleasure to work with. He answered any questions we had in a very prompt manner. As a bonus he is very personable and cares about the people he is working with. We would highly recommend Glenn to anyone.

Aaron G.

google

As a first-time homebuyer, I couldn't have asked for a better mortgage broker than Kevin Richardi and his team. From start to finish, they made what could have been a stressful process incredibly smooth and easy to navigate. Kevin and his team were consistently responsive, patient, and willing to answer every question I had along the way. They took the time to explain each step of the process, which gave me confidence and peace of mind throughout my home-buying journey. One of the things I appreciated most was their easy-to-use online portal, which made uploading documents, tracking progress, and staying organized simple and convenient. Communication was excellent, and I always felt like a priority. Kevin and his team worked hard to ensure everything stayed on track and were proactive in addressing any issues before they became problems. Their professionalism, expertise, and dedication made a huge difference. I highly recommend Kevin Richardi and his team to anyone looking for a mortgage broker, especially first-time homebuyers. They truly made the experience enjoyable and helped turn my dream of homeownership into a reality.

Dominic P.

google

Justin is the most helpful person we have ever had to help us with the financial pieces on the sale and purchase of our new home. He is up to date on the latest and was always available for a call and that meant so much. He understands the rates and the interests and has all your best interest in mind. Money is the biggest thing moving around during a purchase and sale and we felt very secure knowing we had Justin and this was our fifth move and first interstate move! Thank you Justin!

Diana L.

google

I’ve had the pleasure of working with Matt twice. Matt has exceeded our expectations. From start to finish, he was knowledgeable, responsive, and incredibly supportive throughout the loan approval process. He took the time to explain every step, answered all of our questions promptly, and made what can often be a stressful process feel smooth and manageable. His dedication, professionalism, and commitment to finding the best solution for our family gave us confidence every step of the way. Having now worked with him twice, I can confidently say he is someone you can trust. If you're looking for a lender who genuinely cares about his clients and works hard to help them achieve their homeownership goals, I highly recommend him.

Kelbelin P.

zillow

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Doreen S.

google

Knowledgeable, professional service, and fast service. Highly recommended and will refer to family and friends.

Nhi T.

google

We had an incredible experience working with (KEVIN RICHARDI) and his team at [TOTAL MORTGAGE ]. As first-time homebuyers, we were completely new to the process. [JASON MYATT ] was patient, knowledgeable, and went above and beyond to ensure everything was done before our deadline. They got us a great rate and made a normally stressful process incredibly smooth. Highly recommend!"

Mehmood S.

google

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Elizabeth A.

google

Frequently asked questions about Arizona mortgages

How are interest rates determined?

Lenders establish interest rates for their loan products, influenced by factors such as the Federal Reserve's actions, economic conditions, and consumer demand. Changes in short-term rates by the Federal Reserve can prompt lenders to adjust mortgage rates. Individual considerations, including credit score, down payment, income, as well as the varying levels of risk and operational expenses for lenders, can also impact mortgage rates.

How frequently do mortgage rates change?

Mortgage rates can vary daily, influenced by factors like inflation, the bond market, and the overall housing market.

How long does a mortgage rate lock last?

The specific lock-in period may vary, but generally, you can secure a mortgage rate for 30 to 60 days. Once the rate lock expires, unless the lender agrees to an extension, the initially locked rate is no longer guaranteed. Changes in factors like credit score, loan amount, debt-to-income ratio, or appraisal value during the lock-in period could potentially void the initial rate lock.

Is it possible for me to negotiate my mortgage rates?

Depending on your credit qualifications and willingness to obtain quotes from multiple lenders, negotiating a lower mortgage rate may be feasible. Another option is purchasing mortgage points, where paying a percentage of the interest upfront can reduce the interest rate and monthly payments. A mortgage point is equivalent to approximately 1% of the total loan amount, translating to around $2,500 on a $250,000 loan.

What is considered a good mortgage interest rate?

When exploring mortgage rates, it's essential to evaluate not only the interest rate but also consider additional loan terms such as annual percentage rates (APRs), fees, and closing costs. A comprehensive comparison of loan specifics from multiple lenders is crucial in identifying the most advantageous deal tailored to your circumstances.

Should I lock my mortgage rate?

Mortgage rates are subject to frequent and unpredictable changes. Contemplating locking your mortgage rate may be prudent under the following conditions:

  • Rising rates: If there's a sustained upward trend in rates over several weeks or months, securing your rate ensures it won't exceed the initially qualified rate.
  • Federal Reserve meeting: Anticipating a potential rate increase during a Federal Reserve meeting, consider locking your rate before the meeting for financial security.
  • Desire for financial certainty: Locking your rate guarantees a stable monthly mortgage payment, shielding you from unexpected changes.
  • Set closing date: If your closing date is fixed with no expected delays, securing your rate is a strategic decision.
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