Tempe, Arizona
Mortgage Broker in Tempe, AZ
Buying or refinancing in Tempe? I’m Xavier Alcala, a licensed Arizona mortgage originator (NMLS #1700588) powered by Independence Home Loans. With 50+ lender options and bilingual service, I shop your loan so you don’t have to.
Tempe Loan Options
Financing Built Around Tempe Homeowners
Tempe Home Purchase Loans
Conventional, FHA, and jumbo financing for Tempe buyers, including first-time buyer programs and down payment assistance options available in Maricopa County.
Refinance & Cash-Out
Lower your rate, drop mortgage insurance, or tap Tempe equity for renovations, debt payoff, or an investment purchase.
VA Loans
Zero-down VA financing for service members and veterans across Tempe, Mesa, and Chandler, with no monthly mortgage insurance.
Investment & ASU Rentals
Investor loans, DSCR options, and second-home financing for Tempe rental properties near ASU and the light rail corridor.
Run your Tempe numbers first
Use the free Arizona mortgage calculator to estimate your monthly payment, compare a refinance, and see how extra payments could pay off your Tempe home years sooner.
Open the Mortgage CalculatorAreas Served
Around Tempe & the East Valley
- Downtown Tempe
- North Tempe
- South Tempe
- Warner Ranch
- The Lakes
- Dobson Ranch corridor
- Chandler & Mesa borders
- Ahwatukee
Tempe FAQ
Common Tempe Mortgage Questions
Do you work with buyers throughout Tempe, AZ?
Yes. I originate loans across all of Tempe and the surrounding East Valley, including Chandler, Mesa, Gilbert, Scottsdale, and Phoenix, as a licensed Arizona mortgage originator, NMLS #1700588.
How much do I need to put down on a Tempe home?
Conventional loans can start at 3% down, FHA at 3.5%, and VA at 0% for eligible veterans. Arizona down payment assistance programs may cover part of that for qualifying buyers.
What are property taxes like in Tempe?
Maricopa County property taxes typically run roughly 0.5%–0.7% of assessed value per year, lower than the national average, which keeps Tempe monthly payments competitive.
Can I get pre-approved before I shop in Tempe?
Absolutely, and you should. A pre-approval tells you your exact budget and makes your offer far stronger in Tempe's competitive market. It usually takes one short conversation and a few documents.
¿Hablas español?
Sí. Ofrezco asesoría hipotecaria completa en español para compradores y propietarios en Tempe y todo el área de Phoenix.