— ARIZONA
Arizona Mortgage &
Home Loan Solutions
Arizona Mortgage &
Home Loan Solutions
Mortgage financing across Arizona – from Scottsdale guard-gated luxury estates and Sedona resort properties to Prescott mountain retreats and Tucson primary residences. Specialists in jumbo, portfolio, and resort condominium financing for Arizona’s most complex markets.
— ABOUT ARIZONA HOME LOANS
Arizona’s Mortgage
Lending Specialists
Pacific Home Loans provides mortgage financing throughout Arizona, with dedicated expertise across the state’s distinct real estate markets – from the Scottsdale and Paradise Valley luxury corridor and Sedona’s resort destination market to the Prescott Highlands, Tucson Metro, Flagstaff’s mountain communities, and the Lake Havasu recreation and retirement corridor.
Arizona’s real estate landscape has become one of the most dynamic migration destinations in the country, with sustained inbound movement from California and other high-tax states driving demand across the Phoenix metro and lifestyle markets. Arizona’s low flat income tax rate and favorable business environment have accelerated activity in the luxury and investment segments, attracting a high concentration of self-employed buyers, business owners, and high-net-worth relocators whose financing needs frequently extend beyond standard agency programs.
The 2026 conforming loan limit across most Arizona counties is $832,750. Properties above this threshold – common across Scottsdale, Paradise Valley, and Sedona – require jumbo or portfolio financing. Our team offers competitive jumbo loan programs, PrimeResort™ condo financing, and in-house portfolio solutions for Arizona’s most complex transactions.
— PROPERTY TYPES
Arizona Resort &
Condominium Financing
Arizona’s resort real estate market spans the Scottsdale corridor and the Sedona/Verde Valley area, with distinct condominium and resort property financing needs in each market.
In the Scottsdale area, resort-branded and luxury condominium developments – including Hyatt, Westin, and Marriott-affiliated residences – may involve:
In the Sedona area, resort condominium and second-home financing may involve:
— SPECIALIZED FINANCING
Investor & Non-QM
Borrowers in Arizona
Arizona’s favorable tax environment attracts a high concentration of self-employed borrowers, business owners, real estate investors, and high-net-worth individuals relocating from California and other states. Many of these borrowers have complex income structures that benefit from flexible qualification programs.
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Condominiums in resort-designated or non-warrantable projects require specialized underwriting that conventional lenders cannot provide.
Investor Qualification
Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.
Portfolio Loans
Learn more about our portfolio loan options and flexible financing solutions.
— PROGRAM OPTIONS
High-Value &
Complex Transactions
Arizona’s luxury and resort markets frequently involve transaction timing, asset positioning, or competitive purchase dynamics that require financing flexibility beyond standard agency guidelines. Portfolio lending solutions provide options for borrowers navigating these scenarios.
Portfolio lending solutions may allow borrowers to:
- Structure financing around a liquidity event, business sale, or asset reallocation
- Strengthen purchase offers in competitive luxury market conditions
- Bridge from a current property to a new purchase
- Finance properties that fall outside standard agency or jumbo guidelines
Full Service Arizona Mortgage Programs
In addition to specialized financing solutions, Pacific Home Loans offers a complete range of traditional agency programs for Arizona borrowers:
→ Conventional Loans
→ FHA Loan Details
→ VA Loan Details
→ HomeReady Loan Details
→ Home Possible Loan Details
— WHY PACIFIC HOME LOANS
Pacific Home Loans
Arizona Mortgages
Pacific Home Loans structures financing solutions that match the complexity of Arizona’s real estate market – whether the property is a luxury estate in Paradise Valley, a resort condominium in Scottsdale, or an investment property in Tucson.
Financing Experts
Experienced financing luxury, resort, and complex property types in high-value markets
In-House Service
In-house underwriting and portfolio capital solutions for non-standard scenarios.
Flexible Borrower Solutions
Structured solutions for California relocators and self-employed Arizona borrowers.
Condo Financing Expertise
Expertise with non-warrantable condominiums and resort condominium project financing.
More Loan Products
Access to jumbo and super jumbo loan, Non-QM underwriting, government backed loans, and alternative documentation programs.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.
— COMMON QUESTIONS
Arizona Mortgage
FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
Start Your Arizona Financing Strategy
Whether you are purchasing a luxury home in Scottsdale, a resort condominium in Sedona, or an investment property in Tucson, our team can help structure the right financing solution for your goals.
— CLIENT TESTIMONIALS
What Our Clients
Are Saying
Thanks to the entire staff of Pacific Home Loans, our refi was a success! Especially when it’s not so easy to get any type of loan being self employed.
Ginni was AMAZING!!! We couldn’t be more happy with our home buying experience! She went above and beyond!!! Best mortgage lender experience we’ve ever had!!! Thank you! Thank you! Thank you!
Steven and his team were exceptional in their communication and service from when I first inquired about a loan to the day I recorded. They walked me through what to expect each step of the way. I know how busy they are, but they truly made me feel like I was the only client they were servicing. I am a real estate agent and this loan was for my personal purchase. I am happy to say that I could not have asked for my loan process to go any better, it was truly exceptional. I highly recommend Steven and his team at Pacific Home Loans, they are no ka oi, as we say it here in Hawaii! Thank you Steven and all on your team, you each made my home purchase experience wonderful! Mahalo nui!
Ginni Madsen and her team were instrumental in helping me obtain financing for our family home. We had gone through a short sale and needed to find a lender who would work with us. Ginni was able to find a lender She was available by phone at almost all times we called and was patient enough to help us through everything! I would recommend Ginni to anyone!!
I have used Pacific Home Loans for several mortgages and they never fail. Rates quoted are accurate and the staff are right on top of it. I would recommend Pacific Home Loans to anyone looking to buy real estate or refinance. They will not let you down.
We recently had the pleasure of working with Ryan on a home purchase involving a 1031 exchange. It was our first exchange purchase, which involved a lot of additional details on how we could use different funds while maintaining a tax-advantaged state, we were also out of state, and managing the purchase through a period where Fed rate hikes were coming. Ryan and his team were absolute experts, there wasn’t a single question they didn’t know how to answer, they partnered with our agent and exchange team wonderfully, and set us up to actually close almost a week early with zero hitches. I’d highly recommend him and would work with him again in a heartbeat!
Ginni, I just wanted to thank you for all the help you provided to get my refinancing done. I was very pleased with your knowledge of the unique aspects of the Maui property and mortgage market. And also, throughout the process, you understood my goals and achieved them, with a competitive package and excellent, personalized customer service. It was great working with you.
The Property is unique and required a true specialist and Steven and his team we’re just the ticket. As a first time home buyer, I had many questions and concerns. They were helpful all along the way. My family was very excited when we finally got to move in to our new home. Thank you Pacific Home loans.
Steven and his team have helped several of our clients and friends with loans in the past. We have always enjoyed working with them and chose to have them take care of our personal home loan as well. Steven is very creative in choosing specific loan programs and helping find the best solution for the type of loan that will work for you. Two years later we chose to use them again to re-finance. Steven was able to get us a great rate. He is very thorough and has a team that follows up to answer any questions that you may have and walk you thru the process. We highly recommend Steven and his team.
Ryan was very professional and prompt. He was knowledgeable about the process and we would recommend him to anyone on Maui! Home buying can be a stressful process and he ensured that it ran as smoothly as possible.
