NMHL Mortgage Lending
Mortgage Lender in Tempe, AZ
Local expertise and competitive rates for Tempe homebuyers.
Tempe, Arizona is a vibrant city with a thriving housing market. As of recent data, the median home price stands at $430,000, reflecting a steady growth in property values. At National Mortgage Home Loans (NMHL), we understand the unique needs of Tempe borrowers, including first-time homebuyers, self-employed individuals, and those with credit challenges. Our extensive range of mortgage programs is designed to help you achieve your homeownership goals.
NMHL is committed to serving the diverse community of Tempe with personalized mortgage solutions. Our loan officers are well-versed in the local market and can guide you through the process, from pre-approval to closing. Whether you're looking for conventional, FHA, VA, or jumbo loan options, we have the expertise to help you navigate the Tempe mortgage landscape.
With NMHL, you can benefit from competitive interest rates, flexible credit scoring, and down payment assistance programs tailored to Arizona residents. Our dedication to serving underserved borrowers makes us the go-to lender for those who may not qualify for traditional mortgage products. Get in touch with us today to explore your mortgage options in Tempe.
Tempe Housing Market Overview
Tempe is a growing community in Arizona offering diverse mortgage options for homebuyers. Contact NMHL for personalized Tempe mortgage rates and programs.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Tempe
Explore mortgage options tailored to Tempe homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Tempe's Housing Market
The Tempe housing market is characterized by a mix of older and newer homes, with a growing trend towards modern, urban living spaces. Downtown Tempe and areas near Arizona State University are particularly popular. NMHL's local market expertise can help you identify the best neighborhoods for your needs and budget.
- Median home price: $430,000
- Average days on market: 30-60 days
- Popular property types: Single-family homes, condos, and townhouses
Stay ahead of the competition with NMHL's pre-approval services, tailored to Tempe's dynamic market.
NMHL Mortgage Programs for Tempe Borrowers
At NMHL, we offer a range of mortgage programs designed to meet the diverse needs of Tempe residents. Our loan options include:
- FHA loans with down payments as low as 3.5%
- VA loans for veterans and active military
- Conventional loans with competitive interest rates
- Jumbo loans for higher-priced homes
Our loan officers will work with you to find the best program for your financial situation and homeownership goals.
Explore your mortgage options with NMHL today and take the first step towards homeownership in Tempe.
Down Payment Assistance in Tempe, AZ
Down payment assistance programs can be a game-changer for Tempe homebuyers. Arizona offers several initiatives, including the Arizona Home Plus program, which provides up to 4% of the home's purchase price in down payment assistance. NMHL participates in these programs and can help you determine your eligibility.
Our loan officers will guide you through the application process and ensure you're taking advantage of all available resources to minimize your upfront costs.
Don't let down payment challenges hold you back. NMHL can help you explore down payment assistance options in Tempe.
Tempe Neighborhoods: A Closer Look
Tempe is home to a variety of unique neighborhoods, each with its own character and amenities. Some popular areas include:
- Downtown Tempe: Vibrant, urban living with easy access to entertainment and public transportation
- Tempe Gardens: A family-friendly neighborhood with parks and community amenities
- Guadalupe: A historic neighborhood with a strong sense of community
NMHL's local expertise can help you navigate these neighborhoods and find the best fit for your lifestyle and budget.
Let NMHL guide you through Tempe's diverse neighborhoods and help you find your dream home.
Frequently Asked Questions
Tempe has several desirable neighborhoods, including Downtown Tempe, Tempe Gardens, and Guadalupe. Each area offers unique character and amenities. Our loan officers can provide insights into how different neighborhoods might impact your mortgage and homeownership experience.
Property taxes in Tempe average about 0.60% of the assessed value annually. For a $430,000 home, this translates to approximately $215 per month. NMHL can help you factor property taxes into your mortgage calculations for a more accurate picture of your monthly payments.
Arizona offers several programs for first-time homebuyers, including down payment assistance and favorable interest rates. NMHL participates in these programs and can help you determine your eligibility. We also offer our own initiatives to support first-time buyers in Tempe, such as our 'Pathway to Homeownership' program.
While traditional lenders may have strict credit score requirements, NMHL offers more flexible options. We consider alternative credit scoring models and have programs designed for borrowers with less-than-perfect credit. Our loan officers will work with you to find a mortgage solution that fits your situation.
Tempe is served by the Tempe Union High School District and the Kyrene School District, among others. Highly-rated school districts can positively impact home values. NMHL can provide guidance on how local schools might influence your home buying decision and mortgage needs.
Arizona offers various down payment assistance programs, including the Arizona Home Plus program. NMHL can help you navigate these options and determine which ones you're eligible for. We also offer our own down payment assistance solutions for qualified borrowers.
Related Resources
Ready to Buy in Tempe?
Let NMHL help you navigate the Tempe housing market with expert guidance and competitive rates.