Amber Tanner Mortgages

Smarter Home Loans & Refinancing Across Arizona—Without the Big-Bank Delays

From East Valley move-up purchases and Scottsdale Jumbo loans to up to 4% in Arizona Home Plus down payment assistance, get a custom mortgage strategy built around your monthly budget.

Check My Arizona Buying Power (60-Sec Quiz)Ready to lock it in? Start Full Application
5.0 ★ Local ReviewsDirect Access to Amber TannerClosing in as Fast as 14–21 Days

How Can We Help You Win in the Arizona Market Today?

Buying a Home in Phoenix, Chandler, Gilbert & Beyond

  • Same-day Fully Underwritten Pre-Approvals that help your offer beat competing buyers.
  • Creative Seller-Paid 2-1 Buydown strategies to slash your first two years of payments.
Get Pre-Approved for an Arizona Purchase

Refinancing & Unlocking Your Arizona Home Equity

  • Rate-and-Term & FHA/VA Streamline Refinances (no appraisal options available).
  • Cash-Out Debt Consolidation: Wipe out 22%+ credit cards or fund a backyard/pool remodel.
Request a Free AZ Refi Strike-Price Analysis

Buy an Arizona Home with Minimal Cash Out of Pocket

Arizona Home Plus Program (Up to 4% Assistance)

The Arizona Home Plus program provides a 0% interest, 60-month forgivable soft second mortgage covering up to 4% of your loan amount for down payment and closing costs. Available to households earning up to $155,386/year — no repayment required if you stay in the home for five years.

Zero-Down VA Loans & 3% Down Conventional Options

Not sure which loan type fits your situation? Compare your options side by side.

Loan Type
Min Down
Min Credit
Mortgage Insurance
Best For
FHA
3.5%
580+
Yes
Lower credit scores
Conventional
3–5%
620+
Drops off
Strong credit, equity growth
Home Plus DPA
0–1%
640+
Varies
Limited cash to close
VA Loan
0%
580+
None
Veterans & active military
Check If You Qualify for AZ Down Payment Assistance

Frequently Asked Questions About Arizona Mortgages

What credit score do I need for the Arizona Home Plus program?

The Arizona Home Plus program requires a minimum credit score of 640. You'll also need to meet income limits (up to $155,386/year) and complete a homebuyer education course. The property must be your primary residence.

Can I use a seller credit in Phoenix/East Valley to lower my interest rate?

Yes. Seller-paid concessions can be used to buy down your interest rate through discount points, cover closing costs, or fund a 2-1 buydown that reduces your rate for the first two years. This is a powerful negotiating tool in the current market.

How fast can Amber Tanner Mortgages close a purchase or refinance in AZ?

Most purchases close in 14–21 days with a fully underwritten pre-approval in hand. Streamline refinances (FHA/VA) can close in as little as 10–14 days. Timeline depends on title, appraisal (if required), and HOA docs.

Ready to Move Forward in Arizona?

I'm a local Arizona mortgage broker with 20+ years of experience. Let's build a strategy around your goals — not a bank's quota.

Call Amber Now(602) 330-8930