Licensed in Arizona NMLS #299683

Arizona Mortgage Rates & Home Loans — Phoenix, Scottsdale, Tucson & Beyond

Arizona is one of Take The Rate's busiest states — first homes in Phoenix, winter places in Scottsdale, rentals in Tucson, and a steady stream of California transplants. Real rates, published daily, with one licensed loan officer start to close.

Today's Arizona Mortgage Rates

See the live rate sheet →

Real pricing published every morning on the rates page — the same transparent rates statewide.

Why Arizonans work with Travis

High Arizona volume — among Take The Rate's most active states
Second-home fluency — snowbird and vacation-property financing is an Arizona staple
CA-to-AZ relocation specialist — licensed on both ends of the move
Investor-ready — DSCR programs for Phoenix and Tucson rentals, LLC vesting allowed

Buying in Arizona right now

Phoenix has spent a decade as one of America's biggest relocation magnets, and the math still works: California-level sunshine at a fraction of the price per square foot. For transplants, having one lender licensed in both states keeps the equity from your sale and the timing of your purchase in a single conversation.

Second-home buyers: expect down payments to start around 10% and pricing slightly above a primary residence. Investors: DSCR loans let Phoenix rents do the qualifying — no tax returns needed.

Want your real Arizona rate?

Personalized quote in 60 seconds. No credit pull, no obligation.

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Every program, available in Arizona

Conventional, FHA, VA, bank statement loans for the self-employed, DSCR loans for investors, and refinancing — all with the same daily-published rates and one loan officer from start to close.

Arizona mortgage questions, answered straight

What are mortgage rates in Arizona today?

Take The Rate publishes its actual Arizona mortgage rates every morning — 30-year, 15-year, FHA, VA, bank statement, and DSCR — on its live rate sheet. Real pricing, not teasers.

Can I finance a second home or winter place in Arizona?

Yes — second-home financing is available with down payments typically starting around 10%, and it's one of the most common Arizona requests given the snowbird market in Phoenix, Scottsdale, and Tucson.

Do you finance Arizona rental properties?

Yes — DSCR loans qualify the property on its rent instead of your income, with LLC vesting allowed. Phoenix's rental demand keeps ratios workable on a lot of deals.

I'm moving from California — can you handle both ends?

Yes. Travis is licensed in California and Arizona, so the equity timing and the new purchase run through one loan officer.

Is Travis licensed in Arizona?

Yes — NMLS #299683, verifiable at NMLS Consumer Access.

Travis Saling

Licensed Loan Officer · NMLS 299683 · 15+ years

I'm licensed in Arizona and eight other states, and I answer my own phone. Tell me what you're working on and I'll give you a straight answer — even if that answer is "you don't need me for this one."

Disclaimer: This page is for informational purposes only and is not a commitment to lend or a guarantee of any specific rate, term, or approval. Rates change daily; program guidelines vary by lender and change without notice. All loans subject to credit approval, satisfactory appraisal, and clear title. Verify licensing at NMLS Consumer Access (#299683). Take The Rate · Equal Housing Lender.