Who has low mortgage rates in Arizona?

I’m looking for a primary, single-family home in for , and credit score.

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Insights

Negotiate everything—rates, fees, and terms are not set in stone.

Portrait of George Robinson, Chief Data ScientistGeorge Robinson Chief Data Scientist

Lenders with low rates in AZ

It’s hard to find a lender in the good rate range—we’ve analyzed 442 lenders and found some likely to get you a good deal.

LenderLender fees
Customer synopsis

Insights

Negotiate everything—rates, fees, and terms are not set in stone.

Portrait of George Robinson, Chief Data ScientistGeorge Robinson Chief Data Scientist

Lenders in AZ likely to have high rates

We dont accept advertising, so TrueRate can give the real lender story. We looked at 442 lenders and these lenders are likely to offer you a high rate.

LenderLender feesSummary

Insights

Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Portrait of George Robinson, Chief Data ScientistGeorge Robinson Chief Data Scientist

Methodology

We believe in transparency. Here’s how we crunched the numbers.

Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.


Arizona buyers are finding homeownership increasingly achievable

Phoenix is at the forefront, buzzing with life, new developments, and a diverse job market. While the city can be competitive, its expanding neighborhoods are worth exploring. Areas like Gilbert, Chandler, and Mesa offer family-friendly environments with a blend of affordability and accessibility, making them attractive options for both first-time buyers and those looking to relocate.

If you prefer a more laid-back lifestyle, consider heading north to towns like Flagstaff or Prescott, where the stunning mountain scenery and cooler temperatures provide a refreshing contrast to the desert heat. These areas offer charming communities with a slower pace of life and plenty of outdoor activities, from hiking to skiing.

One of the best parts about buying in Arizona is the state’s commitment to helping first-time buyers. With various assistance programs available, you can find resources to help with down payments or closing costs, making it easier to step into your new home without breaking the bank.

Arizona’s blend of urban excitement and serene desert landscapes makes it a unique place to live. With improving interest rates and a variety of housing options, now is the perfect time to explore what this vibrant state has to offer, whether you’re looking for a bustling city vibe or a tranquil retreat in the mountains.