Mortgage Broker in Arizona

I'm licensed to originate mortgages in Arizona (AZ) through Lumin Lending Inc., and I shop 90+ lenders on purchase, refinance, and investment loans.

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Last updated: October 2026

Key Facts

Matthew Park (NMLS# 2109427) is a licensed mortgage broker serving Arizona through Lumin Lending Inc. (NMLS# 2716106). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The 2026 conforming loan limit in Arizona is $832,750.

Mortgage Lending in Arizona

Arizona has grown fast, much of it from people leaving higher-cost states like California. Phoenix and Tucson cover everything from starter homes to luxury. There's no transfer tax on real estate sales, and tech and healthcare jobs keep buyers coming.

I'm a broker, not a bank, so your Arizona loan goes to whichever of my 90+ lenders fits it best.

Available Loan Programs in Arizona

Conventional

As little as 3% down, for purchase or refinance.

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FHA

Government-backed, 3.5% down, and easier on credit. A common first-time buyer loan.

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VA

Zero down payment and no PMI for eligible veterans, active-duty, and qualifying spouses.

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Non-QM / DSCR

Bank statement, DSCR, asset depletion, and more for self-employed borrowers and investors.

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HELOC / HELoan

Tap your home equity with a line of credit or a fixed-rate home equity loan.

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments from age 55 on select programs (62 for the FHA-insured HECM); you still pay property taxes, homeowners insurance, and upkeep.

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Commercial

Loans for commercial, mixed-use, and business real estate.

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Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.

HELOC: Timing may vary based on borrower qualifications and loan conditions. Appraisal may be required in certain circumstances. Subject to credit approval. Your home is used as collateral and may be at risk if you do not repay. APR, terms, and repayment structure vary by product.

Helpful Resources

Learning Center

Guides, articles, a glossary, and answers to common mortgage questions.

Frequently Asked Questions

Straight answers on loan programs, credit, and applying.

Frequently Asked Questions

What are the conforming loan limits in Arizona?

Every Arizona county, including the Phoenix metro, follows the standard conforming loan limit of $832,750 for single-family homes in 2026; no Arizona county is designated high-cost. Anything above that is a jumbo loan, with its own qualifying rules.

Can I get an FHA loan in Arizona?

Yes, and it's a common pick for first-time buyers in Arizona. FHA allows 3.5% down with a credit score of 580 or higher, and the seller can chip in toward your closing costs.

Does Arizona have first-time homebuyer programs?

Yes. The Arizona Industrial Development Authority (AzIDA) and the Arizona Housing Finance Authority both run down payment assistance. It comes as a grant or a second mortgage and can cover up to 5% of the purchase price for buyers who qualify.

Is Matthew Park licensed to lend in Arizona?

Yes, Matthew Park (NMLS# 2109427) is licensed in Arizona through Lumin Lending Inc. (NMLS# 2716106). I shop 90+ wholesale lenders for buyers in Phoenix, Scottsdale, Tucson, and the rest of the state.

Can I use a VA loan to buy a home in Arizona?

Yes, for eligible veterans, active-duty service members, and qualifying spouses. No down payment and no PMI make it one of the strongest loans out there, and with Arizona's large military presence, VA loans are especially common here.

Ready to Get Started in Arizona?

Tell me what you're trying to do in Arizona and I'll shop it across 90+ lenders. Apply online or grab a time to talk.

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Matthew Park NMLS# 2109427 | Lumin Lending Inc. NMLS# 2716106 | NMLS Consumer Access