Arizona Home Loans

I help Arizona buyers and homeowners compare loan programs and plan each step, from the first conversation to closing. I spend much of the year in Scottsdale, and Reasy Financial's office is in Peoria.

Justin Lazzaro, NMLS #1229453 | Reasy Financial, LLC, NMLS #2446155 | Licensed in Arizona, Pennsylvania, Florida, and Texas

How I help in Arizona

Whether you are buying your first home, moving up, buying a second home, or adding a rental, I will walk you through the options that fit your plans.

Buying a home

Conventional, FHA, VA, and USDA loans, plus down payment assistance where you qualify. I help you compare them side by side before you choose.

Compare home loan options

Second homes and winter homes

Many buyers come to Arizona for part of the year. A second home loan has its own rules about how you use the property, and I explain them before you start shopping.

Talk through a second home purchase

Rental property

DSCR and conventional investment loans for rental homes. Some programs qualify the purchase on the property's expected rent instead of your personal income.

Learn about DSCR loans

Arizona details that affect your loan

A few things work differently here, and knowing them early keeps your purchase on schedule.

  1. Community property rules

    Arizona is a community property state. On FHA, VA, and USDA loans, a spouse's monthly debts can count in the qualifying math even when that spouse is not on the loan. I check this at the start so it never surprises you later.

  2. HOAs and planned communities

    Many Arizona homes sit in a homeowners association. The dues count in your monthly payment, and condo projects have to meet program rules, so I review both before you make an offer.

  3. Solar panels

    Solar is common here. Panels that are paid off are usually simple. Leased panels, power purchase agreements, and financed systems have to meet program rules, so I ask for that paperwork early.

Arizona closings run through an escrow company, which holds the funds and documents for both sides until everything is signed.

Help with the down payment

Arizona has statewide and county down payment assistance programs. Each one has its own income limits, price limits, and list of participating lenders, and the rules can change during the year. Tell me where you want to buy, and I will tell you which programs I can offer for your purchase.

Learn how down payment assistance works

Arizona home loan questions

Short answers to common questions. Program rules vary by lender, so treat these as general guidance, not a loan decision.

Are you licensed in Arizona?

Yes. I hold an Arizona mortgage loan originator license (LO-2001846), and Reasy Financial, LLC holds an Arizona mortgage banker license (BK #2012302). You can confirm both on NMLS Consumer Access.

Do I need to live in Arizona to buy here?

No. Many of my Arizona clients are relocating or buying a second home. The loan type depends on how you will use the property: as your main home, as a second home, or as a rental.

Can rental income help me qualify?

Some programs, including DSCR loans, look at the property's expected rent. Rules for short-term rentals vary by lender and by city, so I check both before you buy.

Do you help with refinancing in Arizona?

Yes. I help with rate and term refinances, cash-out refinances, VA refinances, and HELOCs. I will show you the costs and the long-term math so you can decide whether a refinance fits your goals. Learn about refinancing

How long does it take to close?

It depends on the loan type, the appraisal, and how quickly documents come in. I give you a timeline at the start and keep you and your agent updated at each step.

Do you work with Arizona real estate agents?

Yes. If you already have an agent, I coordinate with them from offer to closing. If you need one, I can introduce you to agents I know.

Ready to talk it through?

Pick a time that works for you. We'll go over your goals and next steps, no pressure, just a conversation. Prefer to call or text instead? Reach me directly at (412) 638-4982, or book a quick Zoom if that's easier.