Arizona mortgage broker · Mortgages Made Easy
Home financing that feels human, start to keys.
From your first Phoenix starter home to a refinance in Flagstaff, ASJ Mortgage Solutions shops your loan, explains every number in plain English, and moves fast so you can move in.
What might my payment look like?
A quick estimate — adjust the numbers and watch it update.
Estimate only — excludes taxes, insurance & HOA. Not a quote or commitment to lend.
What Arizona homeowners say
Real reviews from real borrowers
We earn trust one closing at a time. Here’s what clients across Arizona have shared.
Why borrowers choose ASJ
A broker in your corner — not a call center
As a mortgage broker, we’re not tied to one bank’s rate sheet. We shop multiple lenders to fit your situation, and you talk to a real person the whole way.
Real guidance, plain English
No jargon, no surprises. We walk you through every number and every option so you feel confident signing.
Built for speed
Pre-approval, document collection, and clear timelines that help your offer stand out and close on schedule.
We shop, you save
Access to many loan programs and lenders means we can match you with terms that genuinely fit.
Loan programs
The right loan for where you are
First home, next home, investment property, or a smarter refinance — there’s a path for you, and we’ll help you find it.
FHA Loans
Low down payments and flexible credit — a favorite for first-time Arizona buyers.
Explore FHA LoansVA Loans
Earned benefits for Veterans and service members. $0 down for those who qualify.
Explore VA LoansConventional
Competitive rates for strong-credit borrowers, with as little as 3% down.
Explore ConventionalRefinance
Lower your rate, tap equity, or shorten your term. We’ll run the break-even.
Explore Refinance
How it works
Four simple steps to your keys
Tell us about you
Answer a few quick questions — it takes minutes and doesn’t affect your credit to start.
Get pre-qualified
We review your goals and numbers, then map out programs and an estimated payment you’re comfortable with.
Shop with confidence
Make offers backed by a real pre-approval. We coordinate with your agent and the seller’s side.
Close and celebrate
We manage underwriting and the finish line, keeping you updated until you’re holding the keys.
Figures are illustrative of our experience and service approach and are not performance guarantees.
Local from Yuma to the Grand Canyon
Mortgage help across Arizona
We know these markets — the neighborhoods, the price points, the timelines. Find your city:
Get in touch
Let’s find your number
Start the short survey and we’ll reach out with a clear, no-pressure next step. Prefer to talk? Call (480) 422-4380.
- Takes just a few minutes
- No cost and no obligation
- A real human follows up — usually same day
Good questions
Questions borrowers ask us
Do I need 20% down to buy a home in Arizona?
No. Many Arizona buyers put down far less. FHA loans can go as low as 3.5% down, conventional loans start at 3% for qualified buyers, and VA loans can be $0 down for eligible Veterans and service members. We’ll help you compare what each option costs monthly and over time.
What’s the difference between a mortgage broker and a bank?
A bank can only offer its own loans and rate sheet. As a broker, ASJ Mortgage Solutions works with multiple lenders, so we can shop your scenario and match you with terms that fit. You still get one point of contact — us — from application to closing.
Will getting pre-qualified hurt my credit?
Starting our short survey and an initial conversation does not require a hard credit pull. When you’re ready to move toward a formal pre-approval, we’ll explain exactly what’s involved and get your okay first.
How fast can I close?
Timelines vary with your situation and the property, but a well-prepared file with documents ready can often close within a few weeks. We set expectations up front and keep you updated at every step.
What areas do you serve?
We’re Arizona-focused — Phoenix metro, Tucson, Yuma, Flagstaff, Prescott, Lake Havasu, Snowflake, the Grand Canyon region, and communities in between. Additional states may be available; just ask.
Ready when you are
It starts with a few quick questions — no credit pull to begin, no pressure, just a clear next step. We’ll take it from there.
Get Pre-Qualified