Key facts
- Larz Martin, NMLS #2026245, is licensed to originate mortgages in Arizona through Lumin Lending, Inc. (NMLS #2716106).
- Access to 100+ wholesale lenders for purchases, refinances, home equity and investor loans.
Lending in Arizona
- Arizona is a community property state. That can affect which documents a spouse signs and, on government-backed loans, whether a spouse's debts are counted, even if they aren't on the loan.
- Investors buying short-term rentals should check city rules before counting on Airbnb income; DSCR programs that accept short-term rental income are available on select programs.
- Retirees and second-home buyers: second-home, reverse mortgage and HELOC options are all available, with terms that vary by occupancy.
Popular programs in Arizona
DSCR / InvestorRentals qualified on the property's income, not your tax returns.Learn more →5-Day HELOCHELOC / HELOANTap your equity and keep your first mortgage. Includes the 5-Day HELOC.Learn more →Reverse MortgageAge 55+ on select programs. No monthly mortgage payment.Learn more →ConventionalStandard financing for primary homes, second homes and rentals.Learn more →
Every program available in Arizona
Refinance & Cash-OutLower your rate, shorten your term, or take cash out.Learn more →FHAFlexible credit and 3.5% down on primary homes.Learn more →VAFor eligible veterans and service members. $0 down, no monthly MI.Learn more →JumboFinancing above the conforming loan limit.Learn more →Non-QM / Bank StatementQualify with bank statements, 1099s, a P&L or your assets.Learn more →HEI (Home Equity Investment)Cash from your equity with no monthly payments and no new loan.Learn more →CommercialMultifamily, mixed-use and other income property, case by case.Learn more →
Programs and availability vary by location within Arizona. Rates and program availability vary by state, property and lender. This is not a rate quote, a credit decision, an offer or a commitment to lend. Program restrictions apply. Larz Martin NMLS #2026245 · CA DRE #02241936 · Lumin Lending, Inc. NMLS #2716106 · CA DRE #02291443. Equal Housing Opportunity.
