Mortgages in Maricopa County

Maricopa County’s real estate market has exhibited steady growth, with the median home price reaching $490,000 in December 2024, reflecting a 4.3% year-over-year increase. In alignment with this positive trend, Griffin Funding is excited to open a new branch office in Scottsdale, Arizona, in the first quarter of 2025.

This expansion underscores our commitment to serving the Maricopa County community, providing personalized mortgage solutions tailored to the unique needs of local residents. Our Scottsdale office will feature a spacious conference room, offering a welcoming environment for clients to discuss their home financing options with our experienced team.

We look forward to contributing to the area’s continued growth and assisting homebuyers in achieving their homeownership dreams.

Where We Lend

As an experienced Maricopa County mortgage lender, we provide financing throughout the region’s diverse communities. Some cities we serve include:

Our Arizona mortgage loans extend across Maricopa County and throughout the state.

Types of Mortgages Available in Maricopa County

The path to homeownership looks different for everyone. Here are the Maricopa County home loan options we offer:

• DSCR loans: These loans support your real estate investments in Arizona’s thriving rental market. Your property’s rental income potential determines your qualification instead of personal income sources. This makes DSCR loans particularly valuable for building your investment portfolio in high-growth areas like downtown Phoenix or Scottsdale.
• Asset-Based Loans: These innovative loans use your liquid assets as income for qualification purposes. You can keep your investments working for you while using their value to secure your dream home in the desert. This approach provides flexibility for buyers with significant assets but non-traditional income structures.
• Bank Statement Loans: These mortgages are designed with Maricopa County’s growing entrepreneurial community in mind. Instead of traditional W-2s, we evaluate your bank statements to verify income. This makes homeownership more accessible for business owners and self-employed professionals.
• Home Equity Loans: This financing option allows you to tap into your home’s value while preserving your existing mortgage rate. Whether planning home improvements or considering debt consolidation, your equity becomes a powerful resource. The funds can help you achieve your financial goals while maintaining homeownership.
• FHA Loans: These government-backed mortgages create pathways to homeownership with lower down payment and flexible credit requirements. First-time buyers and those with modest savings can enter the market more easily. The program helps more families put down roots in Maricopa County’s welcoming communities.
• VA Loans: These specialized mortgages honor our service members and veterans with exceptional benefits. Zero down payment requirements and competitive terms make homeownership more attainable. The program provides enhanced accessibility to Arizona’s military community.
• USDA Loans: These government-backed mortgages support homeownership in Maricopa County’s rural areas. No down payment is required for eligible properties in qualifying locations. The program helps moderate-income buyers achieve their real estate investment dreams in developing communities.
• Conventional Loans: This traditional financing path offers competitive terms for well-qualified buyers. These loans work especially well in established neighborhoods throughout the county. Straightforward requirements and reliable terms make them a popular choice for many buyers.
• Jumbo Loans: These larger mortgages accommodate the luxury market in upscale areas like Paradise Valley and North Scottsdale. Higher loan limits match the region’s premium property values. Competitive terms make high-value home purchases more accessible.
• ITIN Loans: These specialized mortgages create opportunities for non-U.S. citizens to purchase homes in Maricopa County. International buyers can enter our housing market using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.
• Private Money Loans: A private money loan — also known as a hard money loan — is a type of short-term mortgage often used by investors. This type of loan is good for those who need quick access to short-term financing or need to bridge the gap between buying and selling a home.

How to Get a Mortgage in Maricopa County

Ready to buy a home in Maricopa County? Here’s what you can expect:

1. Initial evaluation: Review your finances and explore your down payment options for different loan programs. Our team helps you understand how market conditions influence your buying power. We’ll answer your home buying FAQs and prepare you for the next steps.
2. Pre-qualification: Submit your financial information through our secure platform for a clear picture of your options. A strong pre-qualification shows sellers you’re serious about buying. This step positions you competitively in our active market.
3. Home search: Connect with a local agent who knows Maricopa County’s distinct neighborhoods and micro-markets. Your agent will help balance location, amenities, and budget considerations. Their expertise guides you to communities that match your lifestyle.
4. Processing: Our team manages documentation, coordinates appraisals, and reviews inspection reports efficiently. We keep you informed about progress and upcoming requirements. Regular updates ensure you’re never left wondering about your loan status.
5. Closing: Review your final terms and complete your home purchase with confidence. We explain each document and guide you through the signing process. Our team ensures a smooth transition to homeownership.

Stay connected throughout your journey with the Griffin Gold app. Get updates on your loan status and securely upload documents whenever it’s convenient for you. You’ll always know exactly what’s happening with your mortgage, right from your phone.

Why Work With Griffin Funding?

Five key reasons home buyers choose us for their Maricopa County mortgage loan:

• Desert market experts: Our deep knowledge of Maricopa County’s unique real estate landscape helps structure loans that make sense for specific areas and property types. We understand the local factors that influence home values and lending decisions.
• Direct lending: We control our lending decisions and processes in-house. This means competitive rates, faster approvals, and transparent communication from start to finish. You’ll always know where you stand in the process.
• Comprehensive options: From standard mortgages to specialized programs, we find solutions that fit your situation. We’ve got you covered when you need to refinance your mortgage or explore new possibilities.
• Technology advantage: Our digital platform simplifies every step of your mortgage experience. Secure document uploads, real-time status updates, and quick responses keep your loan moving forward.
• Solution-focused approach: We think creatively when standard options don’t fit your needs. Whether you’re considering debt consolidation or exploring new opportunities, our diverse selection of mortgage loans can help you achieve your goals.

Explore Mortgage Options in Maricopa County

Maricopa County’s housing market presents endless possibilities, whether you’re an investor or a first-time home buyer. Whether you want to invest in short- or long-term rental property or purchase your first or second home, we can help you find and secure the best mortgage loan.

Ready to be part of this thriving region? Connect with Griffin Funding to explore your Maricopa County mortgage options and take the first step toward your Arizona dream home.