Credit & Qualifying Archives

Self-Employed Mortgage Arizona 2026 | Bank Statement Loans

Self-Employed Mortgage Guide · Arizona 2026 · Todd Uzzell NMLS #1525192 Self-Employed Mortgage Arizona 2026 Being self-employed does not disqualify you from buying a home in Arizona. It means you need the right program — and a lender who knows how to work with non-traditional income. Here is what you need to know. Self-Employed Mortgage Options in Arizona 📋 Conventional / FHA — 2 Year Tax Returns The standard path. Lender averages your net income from Schedules C, E, or K-1 over 2 years. Works well if your net income after deductions is sufficient to support the loan. Income usedNet […]

Credit & Qualifying

How to Improve Your Credit Score for a Mortgage in Arizona 2026

Todd Uzzell / July 2, 2026

Arizona Mortgage Guide 2026 · Todd Uzzell NMLS #1525192 How to Improve Your Credit Score for a Mortgage in Arizona Your credit score determines your rate, your program options, and whether you get approved at all. Here is exactly what moves the needle — and how fast. Arizona Mortgage Score Thresholds — Know Your Target Different programs require different minimum scores. Before improving, know exactly what score you need for your target loan type: Below 500 500–579 580–619 620–679 680–739 740+ <500No standard programs 500–579FHA with 10% down only 580–619FHA 3.5% down · VA 620–679Conventional · FHA · USDA 680–739Good […]