FHA loans with wholesale pricing
FHA loans are the workhorse of Arizona homeownership: down payments from 3.5%, flexible credit requirements, and competitive rates backed by the Federal Housing Administration. They're ideal for first-time buyers across Phoenix, Mesa, Tucson, and the entire state.
Why get your FHA loan through DocApply Mortgage Brokerage
- Wholesale rates 0.25%–0.50% below retail — the FHA rate a bank quotes you is rarely the best available.
- Free appraisal and waived lender/processing fees — keep thousands in your pocket at closing.
- ~15-day closings — win offers in competitive markets.
- 203(k) fixer-upper loans — finance the home and the renovation in one FHA loan.
- Credit assistance — our team helps optimize your credit in about 3 business days before you apply.
FHA basics for Arizona buyers
FHA allows credit scores lower than most conventional programs, permits gift funds for the down payment, and offers Boost Plus grant pairing worth 3.5% toward your purchase in qualifying scenarios. Loan limits vary by county — ask us for the current Maricopa, Pima, and Pinal county limits.
Ready for wholesale pricing?
Free appraisal, no lender fees, plus 15-day closings on refinance & HELOC and 30-day on home purchase. Share your Loan Estimate and we'll beat it — guaranteed.
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