HomePilot is a licensed Arizona mortgage broker headquartered in downtown Phoenix at 200 W Monroe Street. We work with 40+ wholesale lender partners and pass the wholesale-channel pricing through to the borrower instead of marking it up like retail banks do. Whether you're buying in Maricopa, Pima, Pinal, or Yavapai county, the math is the same: wholesale pricing means a lower rate than the retail rate most Arizona borrowers are quoted by their bank or local credit union. We do purchases, refinances, cash-out, FHA, VA, and jumbo financing. Get a quote in three minutes — no SSN, no hard credit pull required at the quote stage.
The Arizona housing market, in brief
Arizona is one of the most active home-purchase markets in the country. Maricopa County alone closes roughly 75,000 home sales per year, with Phoenix-metro median sale prices in the low-to-mid $400Ks and Tucson-metro medians around $325K. Effective property tax rates of ~0.62% are among the lowest in the country, which keeps your PITI lower than the headline price suggests. Arizona has no state inheritance tax and no estate tax. A meaningful share of buyers are out-of-state migrants from California and Washington, which drives an active jumbo and cash-out refinance market in Scottsdale and Paradise Valley. New construction is heavy in the East Valley (Gilbert, Queen Creek, Mesa) and Buckeye, and builder-paid 2/1 buydowns are common on inventory homes — see our buydown calculator before negotiating.
Loan programs we originate in Arizona
Arizona has strong down-payment assistance options. The Home in Five Advantage program (Maricopa and Pima counties) provides up to 5% down-payment assistance to qualified borrowers under specific income limits. The HOME Plus program (statewide) layers DPA on top of conventional, FHA, VA, or USDA financing. Both stack with our wholesale rate pricing — meaning you can get assistance and the lower-rate channel simultaneously. We have access to all the major lenders that fund these programs.
- Conventional — up to $806,500 (baseline) or no high-balance ceiling in this state.
- FHA — up to $530,150 in Maricopa County; limits vary by county, set annually by HUD.
- VA — no maximum loan amount for borrowers with full entitlement (since 2020). Funding fee applies.
- USDA Rural Development — zero-down, income-limited, available in eligible rural and outer-suburban areas.
- Jumbo — above the conforming ceiling. Pricing varies by lender; we shop multiple jumbo programs.
- Refinance & cash-out — rate-and-term refinances, cash-out refinances, debt-consolidation refis.
Arizona first-time-buyer programs
We work with the wholesale lenders that fund every major Arizona down-payment-assistance program — meaning the DPA stacks on top of our wholesale-channel rate, not in place of it.
- Home in Five Advantage — Up to 5% down-payment + closing-cost assistance in Maricopa and Pima counties for borrowers under program income limits. Can be combined with FHA, VA, or conventional loans.
- HOME Plus — Arizona Department of Housing's statewide program. Down-payment assistance up to 5% of the loan amount, layered on top of conventional/FHA/VA/USDA. Available across all 15 counties.
- Pathway to Purchase — Targeted DPA program for specific Maricopa County zip codes. Up to 10% down-payment assistance — the most generous in the state — for households at or below 80% of area median income.
Top metros we serve in Arizona
We’re licensed across Arizona — every county. Most of our volume comes from these metros: