Kyle Wright is a nationally recognized mortgage professional and one of the top-ranked mortgage lenders in Arizona. Licensed in 49 states, Kyle primarily serves homebuyers in Arizona and California.

Whether you’re a first-time homebuyer seeking down payment assistance, a move-up buyer juggling two homes, or a real estate investor, Kyle and his team have the solutions for you.

Throughout his career, Kyle has built a reputation with his realtor partners as “Mr. Loans” for his unique ability to structure and fund even the most challenging mortgage scenarios. If you’ve been turned down by other lenders, Kyle is your go-to lender for a second opinion.

Arizona homebuyers have access to a wide range of loan options, including:

• Refinance: Rate and term, cash-out refinancing, and FHA and VA streamlined refinancing.
• Conventional loans: Flexible programs with as little as 3% down for qualified borrowers.
• FHA loans: Government-backed loans with low down payment requirements, great for first-time buyers.
• VA loans: Zero-down financing options for eligible veterans, service members, and surviving spouses.
• USDA loans: 100% financing options for qualifying rural and suburban properties.
• Jumbo loans: For buyers purchasing homes above the conventional loan limits.
• Down payment assistance: A variety of local, statewide, and national DPA programs, including Kyle’s in-house DPA program.
• Personal loans and lines of credit: Personal loans, lines of credit, and auto loans.
• Home equity products: Including bridge loans and home equity loans.
• Construction and renovation: A dedicated in-house construction lending team to navigate the new-build and renovation process.
• Reverse mortgages: Mortgages tailored to people 65 and older.

Arizona offers several first-time homebuyer (FTHB) loan programs designed to make homeownership more affordable. These programs often feature reduced down payments, lower interest rates, and flexible qualification guidelines. Kyle and his team specialize in guiding first-time buyers through these programs to help them maximize the benefits.

Additionally, there are national programs available, and Kyle offers in-house programs for first-time buyers.

Arizona offers multiple down payment assistance programs, including the Arizona Industrial Development Authority’s HOME+ program and local housing authority initiatives. These programs can provide grants or forgivable loans to cover part of your down payment or closing costs.

Additionally, Kyle offers an in-house DPA program as well as a variety of national programs to fit your needs.

The required down payment depends on your loan type:

• 1% Home program: Kyle Wright’s in-house program allows for as little as 1% down.
• Conventional loans: As little as 3% down for qualified borrowers.
• FHA loans: Typically 3.5% down.
• VA and USDA loans: May offer 0% down.

With down payment assistance programs, many buyers in Arizona can purchase a home with little to no money down.

The first step is to complete a secure online application with Kyle’s team or call 480-690-2010 to get started.

A pre-approval tells you exactly how much home you can afford and makes your offer stronger in Arizona’s competitive housing market.

• In-depth knowledge of the Arizona housing market.
• Access to state-specific programs like Home Plus and Pathway to Purchase.
• Faster response times and direct communication.
• Relationships with Arizona real estate agents, which can give you an edge in negotiations.
• The option to bank or broker your loan to get you the very best deal.

While requirements vary by loan program, many Arizona homebuyers can qualify with a credit score as low as 580 for FHA loans. Conventional loans typically require a higher score (620+). Kyle’s team can provide guidance on improving your credit to qualify for better rates.

On average, the mortgage process takes 30 to 45 days from application to closing. With Kyle’s team, you can often close faster thanks to the streamlined digital process and strong communication with local Arizona real estate agents.

How much you qualify for depends on your income, debt-to-income ratio, credit score, and loan program. With today’s rates, many Phoenix buyers find that their monthly payment can be surprisingly affordable thanks to competitive Arizona housing prices compared with coastal states. Kyle can run a personalized pre-approval to show you your exact buying power.

Yes. Arizona has a state income tax that ranges between 2.5% and 4.5%, depending on your income bracket. Unlike Washington (no income tax) or Oregon (higher income tax), Arizona’s rates are moderate, which can make it an attractive place for relocation.

Note: Tax information can change. Consult a tax professional for current guidance.