Arizona
What mortgage options can I help with in Arizona?
The direct answer
I help Arizona buyers and homeowners with purchases, refinances and home equity lines, with access to wholesale pricing. I arrange the loan; the lender funds it. What's available for a given home depends on the property, your credit and your income.
I'm Zach von der Linden (NMLS 1652805), a mortgage broker with West Capital Lending, based in San Clemente. I work with homeowners in California, Utah, Oregon and Arizona; license details are on the disclosures page.
Zach von der Linden, mortgage broker and Branch Manager, West Capital Lending · NMLS 1652805
Wholesale pricing · California, Utah, Oregon and Arizona
5.0 across 66 reviews on Experience.com (read on 2026-09-24) · Text reaches Zach directly · Last updated 2026-10-18
Buying new construction or a condo in Arizona? Text me the offer.
No credit pull happens from a conversation. Texts go to Zach's cell.
Start with your situation in Arizona
- Should I take the builder buydown or ask for a price cut?
- Why won't my condo qualify for financing?
- My condo won't qualify. Can I still buy it?
- The house I'm buying has financed solar panels. Can that stop my mortgage from closing?
- Behind on HOA dues or facing an HOA lien? Can I refinance or get a HELOC to pay it off?
Buying and need a letter? Get pre-approved.
Can you help me with a purchase, refinance or HELOC in Arizona?
Yes. I work through the lenders I have access to for purchases, refinances and home equity lines. I put the financing together and place the loan with a lender. For new construction or condos, I look closely at the builder incentive or the project issue instead of treating every property the same.
How should I compare Phoenix builder incentives?
Start with the whole transaction, not the advertised headline. A temporary buydown, a closing credit and a price reduction affect the deal differently, and builder incentives vary by community and can change, so I work from the current written offer. The builder buydown or price cut page goes through it.
What can make an Arizona condo difficult to finance?
The agency condo issues are the same as in other states: reserves, delinquent dues, litigation, critical repairs, master insurance, commercial use and how many units one owner holds. Fannie Mae and Freddie Mac also raise their minimum reserve allocation for loan applications dated on or after January 4, 2027.
The project still needs an actual lender review. The condo financing problems page covers what lenders look at.
A recent Arizona file I closed
In June 2026 I closed a second-lien home equity line of $70,000 in Sedona. One closed file is not a promise that another property qualifies; every file is decided on its own.
Questions people ask next
How do I compare a Phoenix builder incentive?
Get the offer in writing and compare the whole transaction: price, cash to close, lender costs and the payment after any temporary buydown ends. Incentives vary by community and can change.
Can you help me finance an Arizona condo?
Often, but the building has to pass the lender's project review as well as you. Reserves, delinquent dues, litigation, critical repairs, insurance, commercial space and how many units one owner holds all matter.
Can I get a HELOC on my Arizona home?
Possibly. I arrange home equity lines, and whether one fits depends on your equity, your file and the property. Text me what you need the money for.
Can you help me refinance in Arizona?
Yes. I start with what you're trying to accomplish, because a refinance replaces your first mortgage and a HELOC leaves it alone.
Can I finance a condo that operates like a hotel?
Not with a loan sold to Fannie Mae: a project operated or managed as a hotel or motel is ineligible. Other financing may exist, and I'd check whether a lender I work with offers it for that building.
Sources and checked dates
Sources: Fannie Mae Selling Guide, B2-1.4-04, Temporary Interest Rate Buydowns (checked 2026-10-07) · Fannie Mae Selling Guide, B3-4.1-02, Interested Party Contributions (IPCs) (checked 2026-10-07) · Fannie Mae Selling Guide, B4-2.1-03, Ineligible Projects (checked 2026-10-07) · Freddie Mac, Single-Family Seller/Servicer Guide Bulletin 2026-C (checked 2026-10-07) · Fannie Mae, Lender Letter LL-2026-03 (checked 2026-10-07) · Supplied by Zach, September 9, 2026 (checked 2026-09-09).
Show each claim on this page, what it depends on, and the date it was checked (6)
| What we say, and what it depends on | Source | Checked |
|---|---|---|
| Fannie Mae Selling Guide B2-1.4-04: with a temporary interest rate buydown, "the mortgage instruments must reflect the permanent payment terms rather than the terms of the buydown plan," the buydown plan may not change the terms of the note, the lender must qualify the borrower "based on the note rate without consideration of the bought-down rate," and the buydown agreement must provide that the borrower still owes the note payments if the buydown funds are not available. Buydown funds from an interested party fall under the interested-party contribution limits. | Fannie Mae Selling Guide, B2-1.4-04, Temporary Interest Rate Buydowns | 2026-10-07 |
| Fannie Mae Selling Guide B3-4.1-02: interested parties include the builder or developer and the seller; their contributions (financing or sales concessions) are interested party contributions with limits, and Fannie Mae "does not permit IPCs to be used to make the borrower's down payment, meet financial reserve requirements, or meet minimum borrower contribution requirements." | Fannie Mae Selling Guide, B3-4.1-02, Interested Party Contributions (IPCs) | 2026-10-07 |
| Fannie Mae Selling Guide B4-2.1-03 lists ineligible project characteristics, including: pending litigation that relates to the safety, structural soundness, habitability, or functional use of the project (pre-litigation such as arbitration or mediation reasonably expected to proceed is treated the same way, and some minor litigation is eligible); projects in need of critical repairs; nonresidential or commercial space above 35%; projects operated as hotels or motels; and single-entity ownership above 2 units in projects with 5 to 10 units that are part of a master association, 2 units in projects with 11 to 20 units, and 20% in projects with 21 or more units. | Fannie Mae Selling Guide, B4-2.1-03, Ineligible Projects | 2026-10-07 |
| Freddie Mac Bulletin 2026-C: the Streamlined Review project review type is retired for mortgages with application received dates on or after August 3, 2026; the reserve allocation for capital expenditures and deferred maintenance increases from a minimum of 10% to a minimum of 15% of the annual budgeted assessment income for application received dates on or after January 4, 2027; and a seller with an unexpired project review completed before those dates must still confirm the project complies with the new requirements for applications received on or after them. | Freddie Mac, Single-Family Seller/Servicer Guide Bulletin 2026-C | 2026-10-07 |
| Fannie Mae Lender Letter LL-2026-03: for the Full Review process, the minimum replacement reserve allocation becomes 15% of the annual budgeted assessment income for loan applications dated on or after January 4, 2027; when a reserve study is used instead, the budget must include the highest recommended reserve allocation amount in the study. | Fannie Mae, Lender Letter LL-2026-03 | 2026-10-07 |
| Zach reports placing loans through more than one wholesale lender and program via his broker channel: the standard home equity line described on this site, plus conventional, government, bank statement and investment-property options. Individual lender names are kept off the public pages until the executed broker agreement for each is on file (California 10 CCR 2848(a)(3)). | Supplied by Zach, September 9, 2026 | 2026-09-09 |
Written for and accountable to: Zach von der Linden, Mortgage broker and Branch Manager, West Capital Lending.
Last updated 2026-10-18.
Verify him: NMLS Consumer Access, ID 1652805 · 66 reviews on Experience.com.
Sources for product claims are listed on this page, with the date each was checked.
Text Zach the builder offer
Send me the incentive sheet or a screenshot, or the condo address. I'll explain its costs and tradeoffs and the purchase structure I can arrange as a broker.
No credit pull happens from a conversation. Texts go to Zach's cell.