Your Trusted Tempe & East Valley Mortgage Lender
Welcome to Todd Uzzell Home Loans, your local mortgage expert serving Tempe and the East Valley. Whether you're purchasing a condo near ASU, a family home in north Tempe, an investment property near the university, or refinancing, we provide personalized service with competitive rates.
Tempe is a dynamic city known for Arizona State University, Tempe Town Lake, vibrant Mill Avenue entertainment district, innovation economy, and central location in the Phoenix metro. It's one of Arizona's most desirable urban living destinations.
📞 Call us today: 480-330-1724
📧 Email: [email protected]
About Tempe, Arizona
Major Phoenix Metro City
Tempe is a vibrant city in the Phoenix metropolitan area, home to Arizona State University (one of the largest universities in the U.S.). Known for its young, educated population, thriving economy, diverse culture, and urban amenities, Tempe offers exceptional quality of life with entertainment, recreation, and central location.
- 👥 Population: ~185,000-195,000 residents
- 📍 Location: East Valley, central Phoenix metro, Maricopa County
- 🏔️ Elevation: ~1,160 feet
- 🎓 ASU: Arizona State University (80,000+ students)
- 🌊 Landmark: Tempe Town Lake, urban recreation hub
- 📏 From Phoenix: Adjacent, 10 miles (15 minutes via I-10/US-60)
Why Buy in Tempe?
- 🎓 ASU Influence: University culture, events, sports (Sun Devils!)
- 🌊 Tempe Town Lake: Urban lake with trails, events, recreation
- 🎉 Mill Avenue: Vibrant downtown, dining, nightlife, shopping
- 💼 Innovation Economy: Tech companies, startups, ASU Research Park
- 🚇 Light Rail: Valley Metro connects Phoenix, Mesa, airport
- 📍 Central Location: Easy access to entire Phoenix metro
- 🏘️ Diverse Housing: Condos, townhomes, single-family homes
- 🎨 Culture & Arts: Museums, galleries, festivals, events
🎓 Home of Arizona State University!
ASU is one of the largest universities in the United States with over 80,000 students. The university shapes Tempe's character with innovation, research, athletics, culture, and a vibrant young population. Go Sun Devils!
80,000+ Students
One of America's largest universities
Sun Devil Stadium
ASU football, Fiesta Bowl, major events
Innovation Hub
Research, startups, tech development
Strong Rental Market
Excellent investment property opportunities
Tempe Housing Market Insights
$250K - $600K+
Typical Property Price Range
Urban Living
Diverse Property Types
Strong Market
ASU & Employment Growth
Property Types in Tempe
🏢 Condos & Townhomes
Price Range: $200,000 - $400,000
Popular near ASU, downtown, and Tempe Town Lake. Low-maintenance urban living.
🏠 Single-Family Homes
Price Range: $300,000 - $550,000
3-4 bedroom family homes throughout Tempe, especially in north Tempe.
🏡 North Tempe Homes
Price Range: $400,000 - $650,000
Established neighborhoods, larger homes, more space, family-friendly.
💎 Luxury Properties
Price Range: $600,000 - $1,000,000+
Premium homes, custom estates, golf course properties, lakefront living.
🏢 Investment Properties
Price Range: $200,000 - $400,000
Strong rental market near ASU, high demand from students and young professionals.
🌊 Tempe Town Lake Area
Price Range: $300,000 - $700,000+
Premium location, lakefront or lake-view condos and homes, urban lifestyle.
🌟 Market Highlights:
Tempe offers diverse housing from affordable condos near ASU to luxury homes in north Tempe. The market is driven by university enrollment, tech sector growth, and central location. Strong rental demand makes Tempe excellent for investment properties. Properties near light rail stations and Tempe Town Lake command premium prices.
🌊 Tempe Town Lake - Urban Oasis
Tempe Town Lake is a 2-mile urban lake in downtown Tempe, offering recreation, events, trails, and waterfront living. It's a major attraction that enhances Tempe's quality of life and property values in surrounding neighborhoods.
Water Recreation
Kayaking, paddleboarding, boat rentals
Trails & Paths
Biking, running, walking around the lake
Events & Festivals
Concerts, Ironman, community events
Lakefront Living
Condos and homes with lake views
Mortgage Programs for Tempe Properties
We offer comprehensive loan programs tailored to Tempe's diverse urban housing market:
Conventional Loans
The most popular choice for Tempe buyers! Flexible down payments and competitive rates.
- • Down payments from 3-5% (first-time buyers)
- • 10-20% down for standard conventional
- • No mortgage insurance at 20% down
- • Perfect for Tempe's diverse price range
Condo Financing
Specialized financing for Tempe's abundant condo and townhome market near ASU and downtown.
- • FHA and conventional condo loans
- • Warrantable condo approval experts
- • Perfect for urban living
- • Low-maintenance lifestyle financing
FHA Loans
Excellent for first-time buyers and young professionals - just 3.5% down payment!
- • Just 3.5% down payment
- • Credit scores from 580+
- • Perfect for first-time homebuyers
- • FHA-approved condos available
Investment Property Loans
Strong rental market near ASU makes Tempe perfect for investment properties!
- • Finance rental properties near ASU
- • DSCR loans (no income verification)
- • Multi-unit properties (2-4 units)
- • Strong cash flow potential
Jumbo Loans
For luxury properties in north Tempe and premium lakefront homes.
- • Loan amounts over $766,550
- • Luxury home financing
- • Tempe Town Lake properties
- • Competitive jumbo rates
First-Time Homebuyer Programs
Special programs for young professionals and recent ASU graduates buying their first home.
- • Low down payment options
- • Down payment assistance programs
- • Flexible qualification guidelines
- • Homebuyer education credits
Special Considerations for Tempe Properties
🏢 Condo Approvals
Many Tempe condos require warrantable status for conventional financing. We verify HOA approval and help you navigate condo financing requirements for FHA and conventional loans.
🎓 Investment Potential
Tempe's rental market is exceptionally strong due to ASU's 80,000+ students and young professional population. Properties near campus offer excellent cash flow and appreciation potential.
🚇 Light Rail Impact
Properties near Valley Metro Light Rail stations (especially along Mill Avenue and Apache) command premium prices due to convenient Phoenix metro access and walkability.
🏡 HOA Fees
Many Tempe condos and townhomes have HOA fees covering amenities and maintenance. We factor these into your qualification calculations and help you understand the total monthly cost.
Why Choose Todd Uzzell Home Loans for Your Tempe Purchase?
Condo Financing Experts
Extensive experience with Tempe's condo market and warrantable approval requirements.
Investment Property Specialists
Expert guidance on rental properties near ASU with strong cash flow analysis.
Urban Market Knowledge
Deep understanding of Tempe neighborhoods, ASU areas, and urban living dynamics.
Living in Tempe, Arizona
Urban Attractions & Entertainment
- 🎉 Mill Avenue: Vibrant downtown, restaurants, bars, shopping, nightlife
- 🌊 Tempe Town Lake: Recreation, events, trails, waterfront dining
- 🎓 ASU Campus: Museums, Gammage Auditorium, sports, cultural events
- 🏈 Sun Devil Stadium: ASU football, Fiesta Bowl, concerts
- 🎨 Arts & Culture: Tempe Center for the Arts, galleries, festivals
- 🛍️ Shopping: Tempe Marketplace, Arizona Mills, local boutiques
Community & Amenities
- 🚇 Light Rail: Valley Metro connects Phoenix, Mesa, Sky Harbor Airport
- 🚴 Bike-Friendly: Extensive bike paths and lanes throughout city
- 🏞️ Parks: Papago Park, Kiwanis Park, Tempe Beach Park
- 💼 Economy: Tech companies, startups, ASU Research Park jobs
- 🍽️ Dining: Diverse restaurants from casual to fine dining
- 📍 Location: Central Phoenix metro, near everything
We Also Serve Nearby East Valley Communities
Getting to Tempe
Tempe is centrally located in the Phoenix metro with excellent freeway and light rail access:
- 📍 From Downtown Phoenix: 10 miles (approximately 15 minutes via I-10 or US-60)
- 📍 From Scottsdale: 8 miles (15 minutes via Loop 101)
- 📍 From Mesa: Adjacent city (5-10 minutes)
- 📍 From Chandler: 8 miles (15 minutes)
- ✈️ Sky Harbor Airport: 5 miles (10 minutes), served by light rail
- 🛣️ Main Routes: I-10, US-60, Loop 101, Loop 202
- 🚇 Light Rail: Valley Metro serves ASU, downtown, Mill Avenue
Directions to Our Phoenix Office
Convenient to Tempe residents (just 15 minutes away):
Ready to Buy Your Tempe Home?
Let's discuss conventional loans, condo financing, investment properties, and FHA loans perfect for Tempe's vibrant urban market!
Tempe Mortgage FAQs
What's the price range for homes in Tempe?
Tempe offers diverse housing from condos starting around $200K-$400K to luxury homes $600K-$1M+. Most single-family homes range $300K-$550K, while north Tempe properties typically run $400K-$650K. Premium Tempe Town Lake properties can exceed $700K.
Is Tempe a good place for investment properties?
Absolutely! Tempe has one of Arizona's strongest rental markets due to ASU's 80,000+ students and large young professional population. Properties near campus offer excellent cash flow, high occupancy rates, and strong appreciation potential.
Can I get a mortgage for a condo near ASU?
Yes! We specialize in condo financing for Tempe's extensive condo market. The condo complex must be warrantable (FHA or conventional approved), which we verify before you make an offer. Many Tempe condos qualify for both FHA and conventional financing.
What's it like living in Tempe?
Tempe offers vibrant urban living with young, educated population, diverse culture, excellent dining and entertainment (Mill Avenue!), recreation at Tempe Town Lake, ASU events and sports, light rail access throughout Phoenix metro, and central location. It's perfect for those seeking active, urban lifestyle.
How much down payment do I need for a Tempe property?
Down payment requirements vary by loan type: FHA loans require 3.5% down, conventional loans 3-5% for first-time buyers or 10-20% for standard purchases, investment properties typically 20-25% down, and VA loans require no down payment for eligible veterans.
Visit Our Phoenix Office
Convenient to Tempe residents - just 15 minutes away: