Kitchen table in an Arizona home with house keys and a closed folder

Notes from a Phoenix mortgage broker

The Arizona Mortgage Blog

Plain-English guides for Arizona buyers and homeowners. Pick a topic, learn at your own pace, and call when you're ready to put real numbers to it.

First home, new construction, FHA or conventional, VA loans, down payment help, refinancing, and rental loans. Already know your topic? Jump to a category.

Not sure where to start?

Looking for your city? Phoenix, Scottsdale, Mesa, Tucson, Flagstaff, and more each have their own page. Use the city page for local details and these posts for the longer how and why. where I serve

Buying VA loans Down payment help News

Where to start

If you want a program, use loan types. If you want a person, use Meet Paige. If you want a letter, call (602) 448-4470 or start on the pre-approval checklist. The education library at learn.homeloansbypaige.com stays a separate site.

Buying notes: the condo and HOA note, East Valley new construction, the first-time path, new construction, conventional vs FHA, and 2026 conforming limits. VA has the 2026 residual-income note. Down payment help has the assistance vs FHA comparison. Refinance and DSCR have their own notes. News has the Broker of the Game long note and the trust hub launch. The short game-night page stays at /broker-of-the-game/. Citations stay at licenses and citations.

I will not publish a rate on any of these pages. I will not promise approval. If you already have a quote, bring it for a second opinion. First-time buyers who have not owned in three years: start with the first-time loan page, then the first-time post, then a phone call. Veterans: start with the COE conversation on VA loans. Builder contracts: start with buy a home and the builder post before you pick upgrades that push the price past the pre-approval.

Phoenix, Scottsdale, Glendale, Mesa, Chandler, Gilbert, Tempe, Goodyear, Tucson, Prescott, and Flagstaff each have a city page. Open Doors vs Home in Five, HOA that breaks a Tempe ratio, jumbo on a Scottsdale list price, Luke occupancy in Glendale, and Flagstaff insurance that is not a Phoenix default. Use the city page for the house. Use these notes for the longer how and why. The full list is on where we serve.

The office is 3420 E. Shea Blvd Suite 200, Phoenix, AZ 85028. The license is Arizona. You get me on the phone, not a rotating officer who has never seen a Maricopa HOA addendum. When more posts are published, they land here as cards with a featured photo. Category pages stay at their own addresses.

Kitchen table in an Arizona home with house keys and a closed folder

Blog questions

Who writes the Home Loans by Paige blog?
Paige Martinez writes every post. She's the owner of Home Loans by Paige, a mortgage brokerage in Phoenix, and a licensed loan originator (NMLS #214634) who helps buyers and homeowners across Arizona.
Is this the same as the learning library?
No. The learning library lives at learn.homeloansbypaige.com. This blog is the article collection on the main website, with categories for buying, VA loans, down payment help, and news.
Do these posts give me a rate?
No. The posts are education. Your rate depends on your loan, your credit, and the day it's locked with a lender. Call when you want real numbers.
Where do I start if I'm buying?
Start with buy a home, then read the first-time buyer or new construction post if that's your situation. Call or text (602) 448-4470 when you're ready for a pre-approval.

Ready when you are.

Buying, refinancing, or holding a quote you want checked? Tell me your goal and I'll map out your next step. Not ready to talk? Grab the Pre-Approval Checklist and start there.