Fire Home Loans · Arizona Mortgage Broker
Clear mortgage numbers.
Without the industry smoke.
We shop wholesale lenders, break down the math clearly, and help Arizona buyers make decisions that actually make sense.
Years Experience
Free Mortgage Calculator
This Is Math. Not A Quote.
No credit pull · Rates shown as planning assumptions · Arizona market context
Let's run the scenario.
Start with the home price.
Monthly Breakdown
Potential Homebuyer Incentives
Based on your program selection, you may be eligible for the following credits to reduce your out-of-pocket costs:
The Fire Home Loans difference.
Use this tool to compare current Phoenix FHA, VA, and Conventional options side-by-side. We help you see cash to close, monthly payment, and the tradeoffs clearly so you can move with confidence instead of guessing.
5.0 stars · 46 Google reviews · Phoenix, AZ
Get Me Real Numbers
We diagnose, compare,
and show the math.
Most lenders give you a quote and a pitch. We give you a clear read on cost, structure, and tradeoffs so you can decide with confidence.
The One-Lender Path
Limited options. Less visibility. More guessing.
The Fire Home Loans Method
Size up the scenario. Compare the market. Explain the tradeoffs.
Real-world loan decisions
without mystery math.
Different goals need different structures. We use the same process every time: compare options clearly, call out tradeoffs, and keep the path simple.
Home Purchase
When timing matters, we compare lender options fast and show the payment structure before you commit.
Refinance reality checkMortgage Refinance
Not every refinance makes sense. We model break-even, costs, and timeline so you can see if it is a real win.
Equity without guessingHome Equity Loans
Need cash without blowing up a low first mortgage? We compare HELOC and home equity structures side-by-side.
VA done rightVA Loans
VA borrowers deserve clear guidance, tight execution, and direct accountability from a licensed expert.
Have a unique scenario?
Text us your situation and we will size it up with you. No scripts, no fake urgency, just a straight read from an owner.
Owner-Led Team
3 owners. No call center. Direct access.
When you reach out you talk to a licensed owner — not a rep, not a queue. Casey handles underwriting, Tyler runs pricing and operations, Eddy manages technology and education. You get a straight answer from someone who can actually move your file.
Meet the full team →
Proof Under Pressure
46 Google Reviews
Anyone can promise a great rate. Reviews show what happened when timelines were tight, details got messy, and clients needed honest answers.
"You cannot go wrong choosing CTC Home Loans! Casey is THE BEST! As a first time home buyer, he took the time to explain everything to me so I could make an informed decision. He was still able to find me the best rate. 100/10 would recommend!"
"CTC Home Loans has been one of the best loan experiences I have had. Tyler is fantastic, unlike others he keeps you informed during the whole process. Working with Tyler is much more of a personal process and not just getting lost in the cyber-application process."
Rates & Real Questions
Mortgage questions people ask when the numbers do not line up
If yours is not here, text us at 480.498.5678. We will give you a clear answer quickly.
What is a Wholesale Mortgage Broker?
A wholesale broker accesses lenders at a cost tier not available to the public. Unlike a retail bank that sells one set of products with a high-overhead markup, we represent YOU to 50+ lenders. We shop your specific scenario across Phoenix and Arizona wholesale markets to find the lowest price, then pass those savings directly to you.
Broker vs. Retail Bank: Why am I getting different numbers?
Retail banks carry massive overhead: corporate HQs, advertising budgets, and sales management layers paid for by higher interest rates. We operate with a zero-overhead model and direct owner expertise. We cut the markup so you keep the savings.
Can you help if I'm self-employed or 1099?
Yes. We have access to lenders with bank statement programs, 1-year tax return options, CPA letter programs, and asset-depletion structures. Being self-employed doesn't mean you're out of options. It means you need someone who knows which lenders are worth your time.
How much house can I afford in Phoenix?
It depends on your income, existing debts, and down payment. The calculator above runs the actual numbers, including cash to close, in under 60 seconds. No credit pull required.
Does checking my options hurt my credit?
We start with a soft pull, which has no credit impact. A hard inquiry only happens when you're ready to formally apply, and you'll know exactly when that happens. If you're comparing multiple lenders, FICO bundles mortgage inquiries within a short window as one anyway.
How do you get paid?
Lender compensation. You don't write us a separate check. We'll show you exactly how it works on the Loan Estimate before you make any decisions. Full transparency, not fine print.
Money & Numbers
What are current mortgage rates in Arizona?
Rates change daily. Credit score, loan type, and property type all affect your actual rate. Run the tool above for a scenario-based estimate using current rates, or text us for real wholesale pricing today.
What's the difference between interest rate and APR?
The interest rate is what you pay on the loan balance. APR (Annual Percentage Rate) includes the rate plus most lender fees. APR is useful for comparing loans with different fee structures.
Is the lowest rate always the best move?
No. Closing costs and your break-even timeline matter as much as the rate. A lower rate with higher closing costs can take 4+ years to break even.
Scenarios & Programs
What if my credit isn't great right now?
Options exist down to 580 FICO. If now isn't the right time, we'll tell you exactly what needs to move and give you a realistic timeline to get there.
Can you help with low down payment?
Yes. Conventional starts at 3%, FHA at 3.5%, VA and USDA can be zero down for qualifying borrowers. We'll show you the full payment impact including PMI.
Is now a good time to refinance?
It depends on your current rate and how long you plan to stay. We'll model the break-even and show you whether the numbers actually work in your favor.
What's the difference between a HELOC and a home equity loan?
A HELOC is a revolving line of credit. A home equity loan is a lump sum with a fixed rate. Which one is right depends on how you plan to use the funds.
The Process
How fast can you close?
Many standard purchase loans close in about 21 days, sometimes less. Refinances and equity products vary by scenario. We'll give you a realistic timeline at the start.
What happens after I apply?
We review your scenario, confirm details, and send a clear breakdown of your options. We guide you through every step of underwriting and closing.
Ready for a clear read
on your numbers?
Run the calculator, then connect with us to review your scenario. We will explain what the numbers mean, what may be missing, and what options are worth your time.
480.498.5678 · info@simplectc.com · NMLS #2664386