Housed Home Loans

Business Details

Your Trusted Arizona Mortgage Broker for Competitive Loan Solutions

For over 15 years, Housed Home Loans has been a trusted Arizona mortgage lender dedicated to helping clients secure competitive home loans. Our experienced team specializes in guiding clients through the mortgage process with transparency and precision, ensuring a smooth experience from application to closing. We offer a comprehensive range of loan products, including conventional, VA, FHA, jumbo, and niche programs like bank statement and DSCR loans, tailored to meet diverse financial needs.

With a proactive approach and industry-leading technology, we prioritize timely closings, accurate qualifications within 24 hours, and ongoing client education. Our loan officers bring decades of combined expertise, ranking in the top 1% nationally, and we maintain a 24/7 availability to support clients throughout their homeownership journey. Licensed in all 50 states, we serve the Greater Phoenix area and beyond, committed to making homeownership accessible and stress-free.

Services

Conventional Loans VA Loans FHA Loans JUMBO Loans USDA Loans Down Payment Assistance Construction Loans Renovation Loans DSCR Loans Bank Statement Loans

Highlights and features

15+ years of mortgage industry experience with top 1% loan officers
Accurate loan qualifications completed within 24 hours
On-time closings guaranteed with no surprises at closing
Available 7 days a week for personalized support
Offers the widest variety of loan products in the industry

What people say

Quick and pain free process Great rate with no hiccups Professional and timely service No surprises at closing Excellent communication

Website

Update Listing

Services

Conventional Loans

Conventional loans offer flexible financing options for primary residences, vacation homes, and investment properties. With down payments as low as 3% for eligible buyers, these loans provide competitive rates and terms up to 30 years. Our team specializes in purchase loans, cash-out refinances, and renovation programs, catering to diverse financial situations while maintaining strict underwriting standards for long-term affordability.

VA Loans

VA loans provide zero-down payment options and competitive rates for eligible veterans and surviving spouses. These mortgages eliminate monthly mortgage insurance requirements and allow seller-paid closing costs. Our specialists guide clients through purchase, refinance, and renovation loan options, leveraging VA's unique benefits like streamline refinances without appraisals or income verification for qualified applicants.

FHA Loans

FHA loans enable homebuyers with lower credit scores to purchase with just 3.5% down. These mortgages feature flexible debt-to-income ratios and allow gift funds for down payments. We offer FHA purchase loans, streamline refinances requiring no appraisal, and 203k renovation programs that finance repair costs into the mortgage, making homeownership accessible for first-time and repeat buyers alike.

Down Payment Assistance

Our down payment assistance programs help buyers overcome upfront costs through grants and deferred payment options. Programs like Chenoa Fund, Home in Five, and Home Plus provide 3.5-6% assistance toward down payments and closing costs, with forgiveness periods ranging from 3-5 years. These initiatives serve income-qualified buyers in Arizona and beyond, combining with FHA, VA, or conventional loans to reduce financial barriers.

Renovation Loans

Renovation loans finance both property purchase and repair costs in a single mortgage. Available through conventional, FHA, VA, and USDA programs, these products cover updates like kitchen remodels, roof replacements, and energy-efficient improvements. Our specialists handle escrow holdbacks and full-scale rehab projects, allowing homeowners to finance up to 110% of the property's future value after renovations.

People

Jeremy House

Branch Manager/Sr. Loan Officer

NMLS #184066 with 20+ years in mortgage lending, Jeremy ranks in the top 1% nationally. He specializes in complex loan scenarios and has been recognized among the nation's top 250 loan officers. His expertise ensures clients receive tailored mortgage solutions.

Pete Marthaler

Team Loan Officer

NMLS #1015162, Pete specializes in guiding clients through mortgage options. He focuses on educating borrowers about loan programs, ensuring they understand financial commitments while navigating the homebuying process with confidence and clarity.

Questions

What mortgage loan types do you offer?

We provide conventional, VA, FHA, jumbo, USDA loans, and specialized programs like down payment assistance, renovation loans, and bank statement mortgages for diverse financial situations.

Can I get pre-approved quickly?

Yes, our team completes accurate loan qualifications within 24 hours, providing clear guidance on affordable home price ranges to strengthen your purchasing position.

Do you offer down payment assistance?

Yes, we partner with Arizona programs like Chenoa Fund and Home Plus that provide 3.5-6% grants toward down payments and closing costs with forgiveness periods of 3-5 years.

Are renovation costs included in loans?

Yes, we offer FHA 203k, conventional renovation, and VA rehab loans that finance both home purchase and improvement costs into a single mortgage for major upgrades.

How does your VA loan program work?

Our VA loans offer 0% down payment, no mortgage insurance, and competitive rates for veterans. We handle purchase loans, streamline refinances without appraisals, and cash-out options.

What areas do you serve?

Primarily serving Arizona's Phoenix metro area, we're licensed in all 50 states, offering nationwide mortgage solutions from loan origination to closing.