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Arizona · Powered by Loan Factory

Arizona mortgages, shopped for you.

Jerry Kindig is based in Arizona and licensed here. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Arizona.

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Shop Rates works in 48 states through our brokerage. Call or text (480) 526-4505 · Email us

Licensed in Arizona

AZ
License
Mortgage Banker License
License #
BK-2005457
Licensed by
Arizona Department of Insurance and Financial Institutions
Loan officer
Jerry Kindig, NMLS #2397823

Loan Factory, Inc. license, from our state license list.

  • 220+wholesale lenders shopped
  • 19states Jerry is licensed in
  • BK-2005457Loan Factory's Arizona license
  • $2,000Best Price Guarantee on eligible loans
Licensing

Licensed in Arizona.

Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Arizona license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Arizona.

Loan Factory, Inc. license in Arizona, from our state license list:

ARIZONA

Mortgage Banker License
License#: BK-2005457
Licensed by Arizona Department of Insurance and Financial Institutions

Verify us

NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.

Jerry on NMLS Consumer AccessLoan Factory on NMLS Consumer AccessAll state licenses
About Arizona

Arizona mortgage loans and home financing.

Arizona has about 7.6 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Arizona (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.

Arizona's biggest cities

The 10 largest Arizona cities and towns by population, plus Yuma and Flagstaff. Population: U.S. Census Bureau estimates for July 1, 2025.

  • Phoenixpop. 1,665,481Arizona's capital and largest city, and the fifth-largest city in the U.S.
  • Tucsonpop. 548,371Arizona's second-largest city, home of the University of Arizona and a UNESCO City of Gastronomy.
  • Mesapop. 513,656Arizona's third-largest city, in the East Valley, with Cactus League Spring Training each spring.
  • Gilbertpop. 287,285Arizona's most populous town, with roots in alfalfa, cotton, and dairy farming.
  • Chandlerpop. 278,748Founded in 1912, the same year Arizona became a state.
  • Glendalepop. 260,572West Valley city with State Farm Stadium, home of the NFL's Arizona Cardinals.
  • Scottsdalepop. 243,006More than 100 art galleries and Frank Lloyd Wright's Taliesin West.
  • Peoriapop. 200,881Spring Training home of the San Diego Padres and Seattle Mariners, near Lake Pleasant.
  • Tempepop. 190,571Home of Arizona State University's Tempe campus and Tempe Town Lake.
  • Surprisepop. 175,304Spring Training home of the Kansas City Royals and Texas Rangers.
  • Yumapop. 105,227On the Colorado River, home of Marine Corps Air Station Yuma.
  • Flagstaffpop. 77,260Northern Arizona's largest city, home of Northern Arizona University and Lowell Observatory.

Whether you are buying in the Phoenix area, in Tucson, or in a smaller community, we work with borrowers throughout Arizona and can walk you through loan options that fit your plans and your property.

Sources: U.S. Census Bureau, Vintage 2025 city and town population estimates · Visit Arizona (Arizona Office of Tourism) city guides · University of Arizona · Arizona State University · Northern Arizona University · MCAS Yuma.

Living in Arizona

Living in Arizona: what homebuyers should know.

A few facts worth knowing before you buy in Arizona.

  • Flat state income taxArizona's individual income tax rate is 2.5% for all income levels and filing statuses (tax year 2025).
  • Transaction privilege taxArizona's state transaction privilege tax, often called sales tax, is 5.6%. County and city taxes are added, so the total rate depends on where you buy.
  • Desert heatPhoenix Sky Harbor averages about 111 days a year with highs of 100°F or more.
  • Snow in the high countryFlagstaff, at about 7,000 feet, averages about 90 inches of snow a year.
  • Monsoon seasonThe National Weather Service defines the monsoon as June 15 through September 30, when extreme heat is typically followed by rounds of thunderstorms.
  • No daylight saving timeMost of Arizona stays on standard time all year. The Navajo Indian Reservation does observe daylight saving time.
  • Military installationsArizona is home to Luke Air Force Base, Marine Corps Air Station Yuma, and the Army's Fort Huachuca in Cochise County.

Sources: Arizona Department of Revenue, income tax highlights · ADOR, use tax and TPT · ADOR TPT rate table · NOAA NCEI 1991-2020 climate normals (Phoenix Sky Harbor, Flagstaff Pulliam) · NWS Tucson, monsoon · NIST, daylight saving time · Luke AFB · Fort Huachuca.

Explore

Top Arizona attractions.

The National Park Service counts 22 national parks in Arizona. Here are eight places to explore.

  • Grand Canyon National Park

    Entirely within Arizona, the park encompasses 278 miles of the Colorado River.

  • Saguaro National Park

    Protects the giant saguaro, the nation's largest cacti, on both sides of Tucson.

  • Petrified Forest National Park

    Colorful badlands and one of the world's largest collections of petrified wood.

  • Glen Canyon National Recreation Area

    Lake Powell and Horseshoe Bend, where the Colorado River makes a 270-degree turn.

  • Sedona red rocks

    Red-rock formations, Oak Creek Canyon, and Slide Rock State Park.

  • Canyon de Chelly National Monument

    Canyons where people have lived for nearly 5,000 years, managed together with the Navajo Nation.

  • Montezuma Castle National Monument

    A 20-room cliff dwelling, protected as a national monument since 1906.

  • Organ Pipe Cactus National Monument

    An International Biosphere Reserve in the Sonoran Desert.

Sources: NPS, Arizona by the numbers · NPS Grand Canyon · NPS Saguaro · NPS Petrified Forest · NPS Glen Canyon · Visit Arizona, Sedona · NPS Canyon de Chelly · NPS Montezuma Castle · NPS Organ Pipe Cactus.

Loan programs

Loan programs for Arizona borrowers.

Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.

All loan programs
Tools

Free tools to plan your next move.

Our promise

$2,000 Best Price Guarantee

Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.

See how it works

Conditions apply

  • Not available in Washington.
  • Loan amounts of $200,000 or more.
  • Fixed-rate Conventional conforming, FHA, and VA loans on identical loan types.
  • Builder preferred-lender and credit union offers excluded.
  • Additional conditions apply. Read the full terms.

The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.

FAQ

Arizona mortgage questions.

Are you licensed in Arizona?

Yes. Jerry Kindig (NMLS #2397823) is licensed in Arizona, and Loan Factory, Inc. (NMLS #320841) holds Arizona Mortgage Banker License BK-2005457 from the Arizona Department of Insurance and Financial Institutions. You can verify both on NMLS Consumer Access.

Is Jerry based in Arizona?

Yes. Jerry is based in Arizona. We work with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.

Which loan programs can I use in Arizona?

Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.

Do you offer down payment assistance in Arizona?

Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.

Does the Best Price Guarantee apply in Arizona?

Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.

Can you help if I am buying in another state?

Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.

Does Arizona have a state income tax?

Yes. For tax year 2025, Arizona has a flat individual income tax rate of 2.5% for all income levels and filing statuses, according to the Arizona Department of Revenue.

When is monsoon season in Arizona?

The National Weather Service defines the monsoon in the Southwest as June 15 through September 30.

Does Arizona observe daylight saving time?

Most of Arizona does not observe daylight saving time. The Navajo Indian Reservation does, according to the National Institute of Standards and Technology (NIST).

How do I get started?

Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.

Let's talk

Talk with an Arizona broker.

Tell us about your plans and a licensed broker will follow up. Prefer to talk now?

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