Arizona · NMLS #1874864
Your mortgage coach in Arizona
From Phoenix to Tucson, I help Arizona buyers, homeowners, and veterans get the right loan with clarity — not pressure.
Schedule a Call →The Arizona market
Buying or refinancing in Arizona
Arizona is one of the fastest-growing housing markets in the country, and the Phoenix metro — Scottsdale, Tempe, Mesa, Chandler, Gilbert, Glendale, and Peoria — is at the center of it. Whether you're buying your first home, moving up, or refinancing, the right loan depends on your situation, not a one-size-fits-all rate sheet.
Arizona also has a strong military community around Luke Air Force Base, Davis-Monthan, and Fort Huachuca, which makes the VA loan one of the most powerful — and most underused — benefits in the state. And with so many self-employed Arizonans and small-business owners, Non-QM and bank-statement loans open doors that traditional banks often close.
How I help here
Loan options that fit Arizona
VA loans for Arizona veterans
Zero down, no monthly mortgage insurance, competitive terms. If you served, this benefit is yours — I'll make sure you use it to its full potential.
FHA for first-time buyers
As little as 3.5% down with flexible credit. A realistic path into Arizona's competitive market for first-time and credit-building buyers.
Non-QM for the self-employed
Arizona is full of entrepreneurs. Bank-statement and asset-based programs let self-employed borrowers qualify without traditional W-2 income.
Refinancing & equity
If you bought when rates were higher or want to tap equity, I'll run the numbers honestly and tell you whether it makes sense — or whether to wait.
Serving Arizona
Markets I work in
Arizona questions
Frequently asked
Is Cory Graciano licensed to do mortgages in Arizona?
+
Yes. Cory Graciano (NMLS #1874864) is licensed to originate mortgages throughout Arizona, brokered through Rate.com. Arizona is his home market.
What loan programs are most popular with Arizona buyers?
+
VA loans (given Arizona's large military community), FHA loans for first-time buyers, Conventional loans, and Non-QM / bank-statement loans for the state's many self-employed borrowers.
Can Cory help first-time homebuyers in the Phoenix area?
+
Yes. Cory works with first-time buyers across the Phoenix metro — Scottsdale, Mesa, Chandler, Gilbert, Tempe, and more — explaining FHA, VA, and Conventional options in plain language, with no pressure.
Let's talk about Arizona
No application needed, no commitment — just a clear, honest plan for your situation. Grab a time that works for you.
Schedule a Call →