Value Financial Group Value Financial Group
Apply in 5 mins
Value Financial Group Value Financial Group
Apply in 5 mins (623) 755-7528
Arizona Mortgage Broker

Mortgage Financing Built Around Your Financial Goals.

Buying a home is more than getting approved. Our team helps successful homebuyers compare financing options, understand the true cost of ownership, and choose a mortgage that fits their financial goals.

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20+Lending Partners
AZ / TX / CAMarkets Served
20+ Lenders
Jumbo Financing
Investment Properties
Purchase & Refinance
Beyond the Approval Letter

Just because you qualify for it doesn't mean you should buy it.

Your mortgage affects your monthly cash flow, investments, savings, taxes, and long-term financial flexibility. We look beyond the approval amount to help you understand what actually makes sense.

Know Your Numbers

Understand payment, cash-to-close, taxes, insurance, and the overall cost of the transaction.

Compare Your Options

Compare loan programs, lenders, down payments, rates, and long-term costs.

Plan Beyond Closing

Make sure your mortgage works with your broader financial goals, not just the day you get the keys.

Financing Options

The right loan program starts with the right conversation.

A wide variety of programs for residential purchases and refinances — created just for you.

Conventional

Conventional Loans

Flexible financing for qualified homebuyers, with a range of down payment and term options.

FHA

FHA Loans

Low to no down-payment financing designed to help qualified buyers purchase a home.

VA

VA Loans

Government-backed financing for eligible veterans, service members, and surviving spouses, often with no down payment required.

First-Time Buyer

First Time Buyer Programs

Programs built to help first-time buyers get into a home, including low down payment and assistance options.

Jumbo

Jumbo Loans

Financing for your forever home, structured for higher loan amounts above conventional limits.

DSCR

DSCR Loans

Investment property financing qualified using the property's rental income rather than personal income.

Bank Statement

Bank Statement Loans

Financing for self-employed borrowers who qualify using bank statements instead of tax returns.

ITIN

ITIN Loans

Financing for borrowers who qualify using an Individual Taxpayer Identification Number instead of a Social Security number.

Refinance

Refinance

Explore whether refinancing could improve your current financial position.

View Financing Options
First-Time Homebuyers

Buying Your First Home?

The first step isn't finding a house. It's understanding what you can comfortably afford and what financing options are available to you.

01

Understand

Review income, credit, assets, debts, and goals to build a clear financial starting point.

02

Compare

Explore financing options and estimated payments across multiple loan programs and lenders.

03

Buy

Move forward with a strategy you understand, from offer to closing day.

Start With a Homebuyer Consultation
For Investors

Your Mortgage Can Be Part of Your Investment Strategy.

Financing an investment property requires looking beyond the interest rate. Cash flow, leverage, down payment, reserves, rental income, and your long-term objectives all shape which loan structure makes sense.

  • Cash Flow
  • Leverage
  • Reserves
  • Rental Income
  • Long-Term Objectives
Why Value Financial

More Options. Better Perspective.

Value Financial Group works with a network of 20+ lenders so clients can compare financing solutions instead of being limited to a single bank's products.

20+ Lending Partners

A broad lender network for more ways to structure your financing.

Multiple Loan Programs

Conventional, FHA, jumbo, investment, and refinance options to compare.

Personalized Strategy

Recommendations shaped by your goals, not a one-size-fits-all product.

Direct Guidance

Work directly with Carlos and the Value Financial Group team from start to close.

About Us

A Team Built on Straightforward Guidance.

Value Financial Group is a mortgage brokerage team serving first time homebuyers, move-up buyers, homeowners, and investors across Arizona, Texas, and California. We work with a network of 20+ lenders so clients can compare real financing options, and we look beyond the approval amount to how a mortgage fits the bigger financial picture.

Meet Our Team
Live Market Data

Today's Rates & Mortgage News.

Live data from Mortgage News Daily, a trusted industry source for real-time rate indices and market commentary. These are national averages, not a personalized quote. A recent study found that consumers save an average of $10,662 over the life of their loan when working with an independent mortgage broker compared to a retail lender.

We leverage 20+ lenders to compare options and find the right fit for your specific scenario.

Let's see what we can do for you.

Current Interest Rates
View More Interest Rates
Mortgage and Real Estate News
View Today's Mortgage Rates

Rate index and news data provided by Mortgage News Daily. This is not a personalized rate quote, a loan offer, or a commitment to lend.

Get Started

Let's Look at Your Options.

Tell us a bit about your goals and the Value Financial Group team will follow up to schedule a consultation.

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Resources

Resources & Frequently Asked Questions

Helpful tools and community groups, plus answers to the questions we hear most.

Facebook Community

Houses for Rent Arizona 🏡

A private Facebook group the team runs to help Arizona tenants find rentals, and to help owners and investors connect with renters for their properties.

Join the Group
It depends on the loan program. Some programs allow for a low or no down payment, while conventional and jumbo loans typically require more. We'll walk through what applies to your situation.
FHA loans are government-backed and often allow for lower down payments and more flexible credit requirements. Conventional loans aren't government-backed and can offer more flexibility once you meet the qualifying guidelines. The right fit depends on your finances and goals.
A jumbo loan finances homes above conventional loan limits. These loans often carry different qualification and reserve requirements, which we'll review together based on the property and price point.
Yes. Investment property financing typically involves different down payment, reserve, and rate considerations than a primary residence. We'll look at cash flow and your broader strategy, not just the rate.
That depends on your financial picture, goals, and the market — not a one-size-fits-all answer. A consultation can help you understand what makes sense for your situation right now.
Your credit score can influence which programs you qualify for and the rate you're offered. We'll review your credit profile as part of understanding your full financing picture.
Closing costs typically include lender fees, title and escrow charges, prepaid taxes and insurance, and other third-party costs. We'll walk you through a specific estimate once we know your loan program and property.
Affordability is about more than approval — it's about how a payment fits your monthly cash flow, savings, and other goals. That's the starting point of every consultation.
Possibly. Whether a refinance makes sense depends on your current rate, goals, and how long you plan to stay in the home. We'll help you evaluate if it actually improves your position.

Let's Build a Mortgage Strategy That Makes Sense.

Your home is one of the largest financial decisions you'll make. Let's make sure the financing fits the bigger picture.

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