Arizona Mortgage Quotes

We've helped mortgage consumers find affordable mortgage rates since 2004 by offering unmatched Arizona mortgage quotes. The World Wide Mortgage Group also offers several mortgage loan resources and mortgage calculators .

Getting Free Arizona Mortgage Quotes is simple and quick.

Low cost mortgage rates are still available for Arizona. All Loan Types Available: Purchase Home Loans , Refinance , Home Equity , Home Improvement , Debt Consolidation (real estate required), 125%, Cash-out, FHA and VA , Construction and Commercial loans

Here are three easy moves that can save you many thousands of dollars on your mortgage:

Refinance but pay the old amount . With your new lower rate you'll be making a lower payment, but by sticking with your previous payment the loan will disappear faster. Say a couple refinanced a 30-year mortgage that has a balance of $192,500 and 27 years left on the loan. By swapping their 6.25 percent loan for one at 5.75 percent, the borrowers will see their payments drop from $1,231 a month to $1,123. But check out what happens if the couple keep mailing in checks for $1,231: Their mortgage ends 34 months early and they save a total of $42,817 over the life of the loan.
Make an extra payment . Depending on the rate and the remaining term, you can shave several years off your mortgage simply by writing just one extra check a year. (Lenders might urge you to sign up for a formal biweekly-payment plan that typically costs a few hundred dollars, which accomplishes about the same thing. But such programs hold you to the extra payments so you lose the flexibility of paying more only if you wish.) If you can't afford one extra payment a year, then try rounding up when writing mortgage checks. If you owe $1,351 a month, write a monthly check for $1,400. Every extra amount you pay goes directly to reducing principal.
Take out a shorter-term loan . When refinancing, it's easy to focus on your new low monthly payment instead of looking at the big picture: the total payment over the life of the loan. Grabbing a lower rate can actually turn out to be a costly mistake if it requires you to make many more years of mortgage payments.

Complete our short mortgage inquiry form. We'll start assessing your financial needs against the hundreds of programs we have available immediately.

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4 Tips to Find a Better Arizona Lender

With home appreciation in Arizona rising at nearly 4 times the national average, it comes as no surprise that more and more residents of the state are either refinancing their current mortgage to get a lower rate (or maybe to pay off some high interest credit cards). Current Arizona renters are also leaping into the realm of first-time home buying, filled with thoughts and concerns of down payments and credit scores. Of course, if the renters don't move quickly, they will find themselves priced completely out of the Arizona housing market.

But the lending process can be so difficult and nerve-racking; how do you know who to trust? Are the rate and terms given to you by one lender truly the best available to you in your situation? In order to assist you in making the best possible decision for one of the most important purchases in your life, we've compiled a list of 4 tips to help you find a better Arizona lender:

The first tip: Do your homework. Research and educate yourself on the home loan and lender process, taking into account all laws governing the mortgage industry in Arizona. Lender fees, closing costs, points, escrow, adjustable rates and pre-payment penalties are just a few costs associated with a home loan.

The second tip: Get several quotes from multiple Arizona lenders through sites such as WWMG.net. Leaving the entire mortgage process to just one lender is leaving yourself wide open to be charged astronomical fees and interest rates, and you won't know any better because you have nothing to compare these costs to. Some mortgage brokers receive their payment from you (the borrower), lenders (financial institutions) or both. Some mortgage brokers will receive "kick-backs" to "sell" you one particular program over another. Multiple quotes are your best protection against being taken advantage of.

The third tip: Ask questions. Don't be afraid to ask as many that you feel are necessary, as this is your home, your loan and your money. Ask about lender fees, points, as well as anything else that a lender might "accidentally" forget to inform you about. Ask them about the "Good Faith Estimate" and when you should expect to receive it.