Can I get a DSCR loan for a rental property in Arizona?

Yes. DSCR loans are one of my specialties, letting investors qualify off the property's rental income instead of personal income. I work with investors across Phoenix and nationwide on single-family rentals and multi-unit properties. Shoot me a message about your next deal.

Are there down payment assistance programs for first-time buyers in Arizona?

Absolutely. First-time buyers are a big part of who I help. There are low and no-down-payment programs, plus down payment assistance many people don't know they qualify for. I'll walk you through it in plain English. Reach out and let's see what you qualify for.

Do you work with buyers and investors in the Phoenix area?

Yes. I'm based in the Phoenix area and work with buyers and investors across Mesa, Chandler, Gilbert, and Queen Creek, plus clients in dozens of states. Whether you're buying your first home or growing a rental portfolio, I'd love to help. Send me a message anytime.

How fast can I get pre-approved for a mortgage?

In most cases you can get pre-approved within 24-48 hours, sometimes faster. A strong pre-approval makes your offer stand out to sellers, so it's worth getting done early. Message me and let's get you moving before you start your home search.

Can I get a mortgage if I'm self-employed or don't have traditional income?

Yes. In addition to traditional loans for self-employed buyers, I offer Non-QM loans built for self-employed borrowers, investors, and anyone whose income doesn't fit the traditional box, including bank statement and asset-based loans. If you've been told no elsewhere, it's worth a conversation. Reach out and let's find your path.

Why should I choose you over another lender?

I treat this like a long-term relationship, not a transaction. You get honest numbers, a phone that actually gets answered, and someone genuinely in your corner from first call to closing and beyond. I'd rather give you a straight answer than a hard sell. Let's connect and you'll feel the difference.

How much down payment do I need to buy a house in Arizona?

Less than most people think. Conventional loans can go as low as 3% down, FHA as low as 3.5%, and VA and USDA can be zero down for those who qualify. We'll also look at down payment assistance if it's a fit.

What credit score do I need to buy a house in Phoenix?

There's no single magic number. Many programs work with scores in the low to mid 600s, others go down to as low as 580. Even if you're not there yet, let's talk. I'll give you a clear, no judgment plan to get qualified.

How long does it take to close on a house in Arizona?

Pre-approval can happen in as little as a day. From accepted offer to keys, most loans close in roughly three to four weeks when documents come in promptly. I keep things moving and tell you exactly what I need, and when.

What's the difference between being pre-qualified and pre-approved?

Pre-qualification is a quick estimate. Pre-approval is the real deal. I've reviewed your documents and credit, so your offer carries more weight with sellers. I always aim to get you fully pre-approved.

Can I get a loan for an investment property?

Absolutely. It's one of my specialties. From conventional investment loans to DSCR loans that qualify on the property's cash flow, I help investors grow portfolios one door at a time.

Is it free to get pre-approved?

Yes. An initial conversation and pre-approval cost you nothing. We'll review all costs you can expect when you close on your home together, in writing, well before you ever commit to anything. No surprises. That's the deal.

Jake Burt · Mortgage Loan Originator · NMLS 2280529

Win the offer. Close on time. Every time.

Pre-approvals that hold up under pressure. Communication your agent will brag about. Closing dates that stick. Phoenix-based, licensed in 37 states + DC, built for first homes and full portfolios alike.

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5.0 on Google · 35+ five-star reviews

Jake Burt Mortgage Loan Originator · Neighborhood Loans

5.0★

Google rating

35+

Five-star reviews

347+

Families served

States + DC licensed

Start here

One phone call changes the math.

You don't need an application to talk. Fifteen minutes, and you'll know more than most buyers learn in a month.

A real game plan

Your goals, your numbers, and the exact next steps, mapped in plain English, not loan-officer jargon.

Your true buying power

What you actually qualify for across every program that fits, and how to strengthen the number if it's not where you want it.

A lender on speed dial

You leave with my direct line. Calls, texts, and questions get addressed honestly and fast, before, during, and long after closing.

No pressure · No obligation · No credit pull

What clients say

People don't just close. They come back.

5.0 average · 35+ five-star reviews

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Why Jake

Relationship-first. Investor-obsessed.

After five-plus years and hundreds of families, I've learned the loan is rarely the hard part. The hard part is feeling like nobody's in your corner, so I make sure somebody is. Honest numbers, plain English, and a phone that gets answered (yes, even on a Sunday).

I treat homeownership as the most powerful wealth-building tool most people ever touch, and I treat your file like it's my own. President's Club is nice; the reviews that say "he made it feel handled" are nicer.

Jake Burt

More about Jake

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Fifteen minutes. Zero pressure.

Pick a time that works. That's the whole first step.

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Prefer to write? jburt@neighborhoodloans.com · 480.341.0920