Buying or refinancing a home is one of life’s most important financial decisions—and at Lund Mortgage Team, Inc., we make it simple, transparent, and stress-free. As trusted mortgage lenders serving Phoenix, AZ, we’re passionate about helping families and individuals achieve their homeownership dreams with confidence.
At Lund Mortgage Team, Inc., we understand that every homeowner’s journey is unique. That’s why we take a personal, solution-oriented approach to every loan. As experienced mortgage brokers in Phoenix, AZ, we work with multiple lenders—not just one bank—to give our clients more options, better rates, and flexible terms. Whether you’re exploring home loans, looking to refinance, or investing in property, we’ll find the loan that fits your needs perfectly.
For over 23 years, our family-owned and locally operated company has been helping clients throughout the Valley secure the right mortgage loans with honesty, education, and care. We take pride in our role as both trusted advisors and dependable partners, ensuring every client understands their options and feels empowered to make informed decisions.
Our mortgage loans are designed for first-time homebuyers, move-up buyers, and investors alike. We explain every step of the process—no jargon, no hidden surprises. By partnering with multiple banks and credit unions, we match you with a loan that works for your financial goals today and in the future.
When it’s time to lower your payments, shorten your loan term, or tap into your home equity, refinancing can be a powerful tool. As experienced mortgage lenders, we analyze your current loan and present clear options so you can see how a refinance mortgage could improve your situation. Our goal is to simplify the process and help you make the most of your equity.
At Lund Mortgage Team, Inc., we don’t just process loans—we build relationships based on trust, loyalty, and results. Whether you’re buying your first home or refinancing your forever home, our mortgage lenders and mortgage brokers in Phoenix, AZ, are ready to help. Contact us today and take the first step toward a better home financing experience.
Here’s how our refinance process works:
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Banks offer only their own loan products, but mortgage brokers have access to many different lenders. That means we can shop around for better rates, flexible terms, and loan programs that match your goals. It’s like having a team of experts negotiate on your behalf—all with your best interest in mind.
Mortgage lenders review several factors, including your income, credit score, debt-to-income ratio, and long-term financial objectives. At Lund Mortgage Team, Inc., we don’t believe in one-size-fits-all loans. We tailor every mortgage plan to meet your unique financial needs.
Refinancing can lower your monthly payments, help you pay off your home faster, or allow you to access cash for renovations or other expenses. We’ll evaluate your current mortgage and show you how a refinance mortgage could strengthen your financial outlook.
Yes. One of the biggest advantages of working with a local home mortgage broker is our ability to explore loan programs that fit a wide range of credit profiles. Even if you’ve faced challenges in the past, we’ll help you find a path toward homeownership that works for your situation.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.” This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt(includingyour mortgage payment).
