Your Tucson Mortgage Specialist
Todd Uzzell
Tucson Mortgage Expert
NMLS License
#1525192
Direct Phone
480-330-1724
info@arizonahomeloansusa.com
Local mortgage expert with deep knowledge of Tucson's neighborhoods: Catalina Foothills, Downtown, Midtown, South Tucson, North Tucson. Understand your market. Get rates competitive with Phoenix. Faster closings with someone who knows Tucson real estate.
Get Pre-Approved in Tucson
Tucson Mortgage Expert
NMLS License
#1525192
Direct Phone
480-330-1724
info@arizonahomeloansusa.com
Premium foothill homes, mountain views, north Tucson
$625K
median home price
Growing area, new construction, family homes
$445K
median home price
Historic, walkable, urban living, loft market
$415K
median home price
Central location, eclectic, young professionals
$385K
median home price
Affordable, established neighborhoods, diverse
$310K
median home price
FHA 3.5% down, DPA assistance
Home Price: $385,000
Down Payment (3.5%): $13,475
DPA Grant: Covers down payment
Loan Amount: $375,000
Rate: 6.45%
Monthly Payment $2,428/month
VA 0% down, no PMI, honorable discharge
Home Price: $425,000
Down Payment: $0 (VA benefit)
Loan Amount: $425,000
Rate: 6.35%
Monthly Payment $2,555/month
DSCR investment property, $65K/yr rental income
Purchase Price: $310,000
Down Payment (25%): $77,500
Loan Amount: $232,500
Rental Income: $5,400/mo ($65K/yr)
Rate: 6.85% (investment)
Monthly Payment $1,560/month
DSCR: 3.46 (ratio of income to payment)
3.5% down for first-time and repeat buyers. Arizona Home Plus DPA stacking available. Credit scores 580+.
0% down, no PMI for qualified veterans. We handle COE documentation. Rates 6.35%-6.50%.
5-20% down conventional financing. Lower rates if 20% down. Credit 620+.
Rental properties analyzed on income alone. No personal income verification. Rates 6.75%-6.85%.
Access home equity at current rates. Typical 80% LTV, 6.45%-6.85% rates. Consolidate debt or fund improvements.
Premium Catalina Foothills homes $766K+. Specialized underwriting, 20-25% down, 700+ credit required.
Understand Tucson neighborhoods, price trends, school districts, HOAs, and local property taxes. Not generic Phoenix advice.
Work with local title companies and escrow officers who know the Tucson market. Fewer delays, smoother transactions.
Same rates as Phoenix lenders (6.35%-6.85%), but with better service and local support. No call center, real person answers.
Work with Todd Uzzell directly—not transferred between loan officers. Same person from pre-approval to keys.
The University of Arizona is Tucson's largest employer, with significant payroll and research funding. The university's presence drives:
UA employees qualify for special mortgage programs and often have stable income that lenders view favorably. If you're a faculty member, researcher, or work in University administration, let us know—we understand your employment stability and may offer special rates.
No. Mortgage rates are set nationally based on bond markets, not local market conditions. Tucson and Phoenix have the same rates (currently 6.35%-6.85%). However, Tucson home prices are 15-20% lower, so your monthly payment will be lower even at the same interest rate.
Tucson is a buyer's market with 5-7 months of inventory. Homes stay on market 28-35 days on average. Prices are stable year-over-year, with slight seasonal dips in summer. Good news for buyers: less competition and more room for negotiation.
Typically 21-30 days from application to closing. Arizona has a standard 30-day escrow period, so factor that in. We work with local escrow companies to keep things efficient.
Midtown and South Tucson offer the most affordable entry prices ($310-385K). North Tucson ($445K) has newer construction. Downtown ($415K) is growing and walkable. Catalina Foothills ($625K+) is premium but has mountain views and larger lots. Choose based on your lifestyle and budget.
Tucson appreciates more slowly than Phoenix (2-3% annually vs 4-5%), but prices are lower to start. With tech sector growth (Intel, Apple, Google) and University of Arizona expansion, medium-term appreciation is expected. Buy for lifestyle and stability, not speculative gains.
Yes. University of Arizona faculty, researchers, and staff often qualify for special mortgage programs and rates. Some employers offer mortgage assistance programs. Call us if you work at UA—we can help navigate options and may offer discounted rates for university employees.
3.5% down first-time buyer programs. DPA grants available. Flexible credit requirements (580+).
Learn More →Veterans & military: 0% down, no PMI. Available throughout Arizona including Tucson.
Learn More →DSCR investment properties. Tucson rental market analysis and financing available.
Learn More →Get pre-approved for a Tucson mortgage today. Work with someone who knows Tucson neighborhoods, understands your market, and will be your partner from start to finish. No call centers, no transfers—just direct, local service.