Financing Your
Next Chapter.
No jargon. No sales pitch. Just a clear, personalized path to homeownership in Arizona. Jorge Espinoza and the 92 Mortgage Team walk you through every step, from first question to keys in hand.
Built for Every Kind of Arizona Buyer
Wherever you are in the journey, there is a path to the keys. We meet you exactly where you stand.
First-Time Buyers
You have never done this before, and that is exactly why we slow down. We explain every term, every option, and every number until buying a home feels less like a mystery and more like a plan.
Start the Conversation →Move-Up & Relocation
Growing family or relocating to Arizona from out of state? We coordinate the financing so your next home and your current life stay perfectly in sync from offer to closing.
Plan Your Move →Self-Employed & Credit-Building
Self-employed, thin credit, or rebuilding? You are not disqualified. We know the programs, the documentation, and the strategy to position your file for approval.
See Your Options →Most Buyers Don't Fail Because They Can't Afford a Home
They fail because no one took the time to explain how the process actually works. Confusing terms, conflicting advice, and fear of the unknown keep good families renting years longer than they need to.
That changes here. The 92 Mortgage Team breaks the entire mortgage process into five clear pillars, so you can see exactly where you stand and what to do next.
Your Home Is Out There. Let's Find the Right Loan for It.
From first-time buyers to growing families, we match you with the right mortgage program for your real situation. Conventional, FHA, VA, USDA, and Arizona down payment assistance, all on the table.
What It Actually Takes to Get Approved
Every mortgage decision comes down to five things. Understand these, and the entire process becomes predictable.
Credit Score
Where you stand today and exactly how to strengthen your score if needed.
Income
How lenders verify your income and what documentation you will need ready.
Down Payment
Your real options, including assistance programs most buyers never hear about.
Debt Ratio
The ratio lenders care most about and how to calculate yours before you apply.
Documents
A complete checklist so nothing delays your approval at the finish line.
You Don't Need 20% Down to Buy a Home
One of the biggest myths stopping Arizona families from becoming homeowners. Multiple programs exist to get you into a home with significantly less upfront.
"I need to save $60,000 before I can even think about buying a home."
Arizona has multiple down payment assistance programs. Many buyers qualify for grants that cover part or all of their down payment and closing costs.
We walk you through every assistance option you qualify for during your free consultation. No guesswork, no surprises.
Two People in Your Corner
One mission: get your file approved and your family home, without the runaround.
Jorge Espinoza
Jorge built 92 Mortgage Team on one conviction: every family deserves someone who will explain the mortgage process without pressure, without jargon, and without a hidden agenda. Conventional, FHA, VA, USDA, and Arizona assistance programs, all on the table.
Juan Carlos Espinoza
Juan Carlos keeps your file moving and your questions answered. From document collection to status updates, he is the steady hand making sure nothing slips between pre-approval and closing day, so your timeline stays on track.
The American Dream,
Unlocked.
Every closing is a chapter. Every family, a story. These are the moments we work for, the day the keys finally change hands.
Families Who Found Their Way Home
Jorge made the entire process feel manageable. I was relocating to Arizona from out of state with no idea where to start. He walked me through every detail and made sure I understood my options before any decisions. I genuinely felt taken care of.
We closed on our new home just in time for our daughter's birthday. The 92 Mortgage Team took what felt like an impossible dream and turned it into reality. Jorge's patience and knowledge gave us the confidence to move forward.
They saved, stayed patient, and trusted the process. Jorge kept us informed at every step and the communication was incredible. The day we walked into our new home, it all felt worth it. Forever grateful to this team.
See Where You Stand Before You Shop
Walking in pre-approved changes everything. You shop with confidence, you offer with strength, and sellers take you seriously. Here is the kind of clarity you get on your free consultation.
- A real estimate of what you can afford, not a guess
- The exact down payment assistance you qualify for
- A clear plan if your credit needs a few months of work
Pick a Time That Works for You
Thirty minutes. No pressure, no commitment, no sales pitch. Just a clear conversation about where you stand and what is possible.
- Review your scenario and pre-approval options
- Identify Arizona down payment assistance you qualify for
- Build a plan if your credit needs strengthening
- Walk through your 30 to 90 day game plan to the keys
Straight Answers, No Runaround
It depends on the loan type. Conventional loans can go as low as 3%. FHA loans require 3.5%. VA and USDA loans can be 0% down. Plus, Arizona has down payment assistance programs that can help cover your upfront costs. We will walk you through every option in your free consultation.
Most loan programs require a minimum score of 580 to 620, but there are options even below that range. More importantly, if your score is not quite there yet, we will create a clear plan to get you there, often in just a few months.
From pre-approval to closing, the typical timeline is 30 to 45 days. Pre-approval itself can happen in as little as 24 to 72 hours when your documentation is ready. The more prepared you are upfront, the smoother and faster everything moves.
100% free, no strings attached. It is a short conversation where we review your situation, answer your questions, and give you a clear picture of your next steps. No obligation, no pressure, and no sales pitch.
Absolutely. Self-employed buyers have multiple loan options available. The documentation is slightly different, typically two years of tax returns and bank statements. We work with self-employed buyers regularly and know exactly how to position your application for approval.
It Starts With a Conversation
Thirty minutes is all it takes to get a clear picture of where you stand and what is possible. No pressure, no commitment. Just answers.