Phoenix-Area Mortgage Lender

Family-owned home loans across the Valley — Scottsdale, Phoenix, Mesa, Chandler, Gilbert, Tempe & beyond. VA, FHA, jumbo, conventional, and DSCR. Close in 14 days on average.

Get Cash

Need extra cash? With an equity loan, you can quickly access funds while keeping your home’s stability intact.

Explore Options

Purchase

Finding the perfect home is exciting getting the right loan should be too. Let’s make your purchase quick, easy, and tailored to you.

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Lower Payments

Interest rates change, and so can your mortgage. Lock in a better rate and lower your payments.

Calculate Savings

Talk with our team directly480 660 0100

VA Loans

VA loans for Phoenix-area veterans — $0 down, no PMI, and competitive rates. One of the best financing options for military families across Scottsdale, Mesa, Chandler & beyond.

No down payment required
Competitive interest rates
No private mortgage insurance (PMI)
Exclusive to veterans, active-duty military, and eligible spouses

Unlock your VA benefits

FHA Loans

FHA Loans are government-backed mortgages designed for first-time home buyers and those with lower credit scores—featuring low down payment options.

Low 3.5% down payment
Backed by the Federal Housing Administration
Great for first-time home buyers
Lower rates than conventional loans

Buy with just 3.5% down

Conventional Loans

Want more loan options and fewer restrictions? Conventional loans provide great rates and lower costs for qualified buyers.

As little as 3% down (for qualified buyers)
No upfront mortgage insurance
Lower overall borrowing costs
Fixed and adjustable-rate options

Save more with the right loan

Non-Conforming Loans

Non-conforming loans offer flexible financing for unique situations, such as self-employed buyers, high-value properties, or those with non-traditional income sources.

Flexible income documentation options
Available for high-value homes & unique properties
Ideal for self-employed buyers
Alternative credit evaluation methods

Explore loan options now

Jumbo Loans

Jumbo mortgages for Scottsdale, Paradise Valley & Phoenix luxury homes. Higher borrowing amounts with competitive rates for loans above conforming limits.

Exceeds standard conforming loan limits
Competitive interest rates for high-value homes
Requires strong credit and income
Tailored financing options for your unique needs

Finance your dream home

DSCR Loans

Investor loans across the Valley — Scottsdale, Phoenix, Mesa, Gilbert, Queen Creek. Asset-based qualifying using rental income, not personal income history.

No personal income verification required
Ideal for real estate investors
Fast approval process
Leverage rental income to scale faster

Grow your portfolio

See how the team has helped our clients

Leave a Review

Ainalem Ritchie

1 year ago

I recently went through the refinancing process with Elevated Home Loans, and overall, it was a smooth and positive experience. Faith Gehrke was professional and took the time to explain the terms and options available to me in detail. Communication was prompt, and they kept me informed at every step. The process took less time than expected, and I ended up with a fair rate, which will save me money in the long run. I appreciate the transparency and efficiency of the entire experience and would highly recommend their services to anyone considering refinancing.

Scott Mcbride

3 years ago

I want to sincerely thank Ryan and everyone at Elevated Home Loans for going above and beyond to help make my dream of homeownership a reality. As a first time purchaser I was lost but their professionalism and expertise made the process smooth and stress free. I highly recommend them and I cannot thank the whole team at Elevated Home Loans enough for helping to change my life for the better.

Michael Morse