SMG Home Loans
How to Get Pre-Qualified
To qualify for a home loan, most buyers only need to meet 2 out of 3 main criteria. At SMG Home Loans, we simplify the Arizona home buying and mortgage refinancing process by giving you the knowledge and tools to make confident, informed decisions every step of the way.
Assets
Assets include the funds you’ve saved for a down payment and your financial reserves. A down payment—usually 0% to 20% of the purchase price—is the amount you pay upfront when buying a home. Stronger assets help you qualify for a mortgage and secure better loan options in Arizona.
Income
We evaluate your income to understand stability, consistency, and your ability to repay a home loan. Documents like W2s, pay stubs, tax returns, and bank statements help us confirm your earnings, so we can match you with the right mortgage options and home financing solutions in Arizona.
Credit
Your credit score and credit report play a major role in qualifying for a mortgage. They directly impact the interest rate and terms you're offered. A higher credit score can help you save money over time, so we work with you to understand your credit and improve your path to homeownership in Arizona.
Contact SMG Home Loans – Arizona Mortgage Experts
From step-by-step home loan guides to personalized mortgage consultations, we’re here to simplify the home financing process in Arizona. Our goal is to help you understand your options clearly—so you can choose the mortgage that fits your budget, lifestyle, and long-term goals.
Serve. Mentor. Guide.
Your Home, Your Journey, Our Mission.
At SMG Home Loans, our mission is to serve with compassion, mentor with wisdom, and guide Arizona families through every step of the home loan process. As trusted mortgage specialists, we simplify home financing so you can secure the right mortgage, build financial stability, and create a lasting legacy. Whether you're a first-time homebuyer or looking to refinance, we’re here to make homeownership in Arizona a reality—one family at a time.
At SMG Home Loans, we help you move forward with grace—knowing your home is the start of a lasting legacy.
