Business Details
Your Trusted Arizona Mortgage Lender
Housed Home Loans has been serving Arizona homebuyers for over 15 years with expert mortgage guidance and competitive loan products. Our team of seasoned professionals, including nationally recognized loan officers with combined 33 years of experience, specializes in simplifying complex mortgage processes through personalized service and industry-leading technology. We offer a comprehensive range of loan options including conventional, VA, FHA, jumbo, USDA, and specialized niche programs like bank statement and DSCR loans.Our commitment to transparency ensures no closing surprises, while our 24/7 availability and 24-hour qualification process demonstrate our dedication to client convenience. With licenses in all 50 states and deep local market expertise across Arizona's major metropolitan areas, we combine national resources with community-focused service to help clients achieve homeownership goals efficiently and responsibly.
Services
Conventional Loans
VA Loans
FHA Loans
Jumbo Loans
USDA Loans
Bank Statement Loans
DSCR Loans
Down Payment Assistance
Construction Loans
Renovation Loans
Highlights and features
- 15+ years of Arizona mortgage market expertise
- 24/7 availability for client convenience
- Accurate loan qualifications within 24 hours
- On-time closings with no surprises guarantee
- Nationwide top 1% loan officer rankings
What people say
16-day processing
No hiccups
Professional staff
Quick process
Pain-free experience
Services
Conventional Loans
Conventional loans offer flexible financing options for primary residences, vacation homes, and investment properties. These mortgages provide down payments as low as 3% for qualified borrowers with competitive interest rates and various term options. Our conventional loan programs accommodate purchase transactions, refinances, and cash-out options while maintaining strict underwriting standards to ensure long-term affordability.
VA Loans
VA loans provide zero-down payment options for eligible veterans and active-duty personnel with competitive rates and no mortgage insurance requirements. These specialized programs allow multiple uses of VA entitlement while offering streamlined refinancing options and renovation loan capabilities. Our VA loan specialists guide clients through the unique qualification process and entitlement verification requirements.
FHA Loans
FHA loans enable low-to-moderate income borrowers to purchase homes with 3.5% down payments and flexible credit requirements. These mortgages include specialized programs for first-time buyers, streamline refinances, and 203k renovation loans. Our FHA-certified team assists with navigating the mandatory mortgage insurance components and property requirement standards.
Jumbo Loans
Jumbo loans finance properties exceeding conforming loan limits with tailored underwriting guidelines and competitive rates. These programs support luxury home purchases, investment properties, and complex financial situations requiring non-traditional documentation. Our jumbo loan specialists provide customized solutions for high-value transactions while maintaining efficient closing timelines.
Down Payment Assistance
Down payment assistance programs reduce upfront costs through grants and deferred payment options for qualified Arizona homebuyers. These initiatives include state-specific programs like Chenoa Fund, Home in Five, and Home Plus with varying income requirements and forgiveness periods. Our counselors help clients select optimal assistance programs that align with their financial situations and homeownership goals.
People
Jeremy House
Branch Manager/Sr. Loan Officer
NMLS #184066 with 20+ years in mortgage industry, top 1% nationwide ranking, and recipient of national production awards. Arizona State University graduate specializing in complex loan scenarios and client education.
Pete Marthaler
Team Loan Officer
NMLS #1015162 bringing extensive mortgage expertise to client consultations. Focuses on explaining loan options and guiding clients through the entire mortgage process with clear communication and personalized support.
Questions
What mortgage loan types do you offer?
We offer conventional, VA, FHA, jumbo, USDA, bank statement, DSCR, and specialized niche loan programs for Arizona homebuyers.
Can I get pre-approved online?
Yes, our streamlined pre-approval process completes within 24 hours with no charge and includes personalized rate quotes.
Do you offer down payment assistance?
Yes, we provide Arizona-specific down payment assistance programs including Chenoa Fund, Home in Five, and Home Plus options.
Are there closing cost estimates available?
We guarantee no surprises at closing with detailed Loan Estimates provided early in the process for all loan programs.
How does your VA loan process work?
Our VA specialists handle entitlement verification, eligibility requirements, and specialized VA underwriting guidelines for seamless processing.
What areas do you service?
We operate statewide in Arizona with licenses in all 50 states, serving major metro areas including Phoenix, Tucson, and Flagstaff.
