Moving to Arizona? Get your mortgage lined up before the moving truck.

Start with your move-in date

Moving is stressful enough. Buying a home from a thousand miles away, on a deadline, with a lender you've never met, can feel like a lot.

We start with your timing. Most loans for a home you'll live in expect you to move in within a set time after closing. Tell me the real dates: the job start, the school year, the lease end. Some lenders allow a longer move-in window than others, and I'll find one that fits.

If you won't live in the home most of the year, it may be a second home or an investment. Those loans have different down payment and savings rules, so we pick the right one up front. Splitting your year between Arizona and another state? Tell me how many months you'll be here.

Military move? If you're being stationed here, start on Veterans and bring your Certificate of Eligibility. veterans

Working together from out of state

You don't need to fly in for our first conversation. We work by phone, text, and video, and you upload documents through my secure portal. You'll send the same documents a local buyer does: pay stubs or tax returns, bank statements, photo ID, and a gift letter if someone is helping. The Pre-Approval Checklist has the full list. pre-approval checklist

Want to learn the area? See Arizona Home Loans Arizona home loans, browse cities on Where I Serve where we serve, or read about Phoenix. Phoenix mortgage

I'm licensed in Arizona only. If you're selling or buying a home in another state, you'll need a loan officer licensed there for that loan. I'll handle the Arizona home.

Selling a home in another state

Many relocating buyers use equity from a sale in California, Colorado, Texas, or the Midwest for their Arizona down payment. Until that sale closes, the money isn't in your account yet, and lenders plan around that. An Arizona offer that depends on your sale can work, though some sellers pass on it. Move-Up walks through the timing, even when your first home is out of state. move-up

New job? Some loan programs can use a signed job offer with a start date, under specific conditions. Bring the written offer letter. Moving your own business? Your tax returns still tell the income story. self-employed

About property taxes: Arizona property taxes may work differently than what you're used to. The tax on a listing is the seller's bill, and yours can be different after you buy. I'll estimate it before you write an offer.

Tell me both closing dates, the one you're leaving and the one in Arizona, so your cash to close lines up.

What still happens in Arizona

Much of the process happens online, but a few steps happen at the home itself. The appraisal and some signing still happen here, and the home needs insurance in place. Condos need a lender review of the community. Builder homes come with their own timeline. new construction

Insurance and utilities can change your budget, especially on older homes. So I don't call principal and interest (the loan itself) "the payment." Run an estimate on the Mortgage Calculator calculator, then call me with the monthly number that still works while you're juggling two households.

Your plan: 1. Tell me your move date and your goal. 2. I build your pre-approval and options before you fly in to tour. 3. We close on time.

Picture it: you land in Phoenix, the moving truck pulls up, and you have the keys to a home you chose with confidence. You've also got someone local you can call for life.

Nearby situations

• New construction new construction
• Move-up move-up
• Veterans veterans