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  1. United States
  2. Best Home Renovation Loan Companies
  3. Home Renovation Loan Companies in Arizona
  4. Phoenix

Best Home Renovation Loan Companies in Phoenix

Phoenix Home Renovation Loan Companies stats: Key insights from this page’s listings Updated
Businesses listed
8
Average rating
5.0 253 reviews
Typical service price
$50 – $300 Median of 1 priced service
Most-offered services
VA Home LoansMortgage ServicesHome Loan ServicesRefinancing ServicesFirst-Time Homebuyer Assistance
What customers praise
recommend×86highly recommend×42recommended×9great experience×8
Renovation loansPhoenix, AZ

1

VA Loans for Vets NMLS#184169

VA Loans for Vets NMLS#184169 specializes in helping veterans navigate VA home loan benefits with a focus on making the process smooth and stress-free. Their team guides clients through everything from initial application to closing, often assisting with energy-efficient mortgage options. Customers appreciate their clear communication and supportive approach throughout the homebuying journey.

Services & Prices
First Time VA Loan Quoted per loan
VA Loan Refinance Quoted per loan
VA Loan Closing Assistance Quoted per loan
View Profile
(602) 908-5849
Closed Now
3602 E Campbell Ave Suite 2, Phoenix, AZ 85018, USA
General Services
VA Home Loans
2

Camelback Mortgage

Camelback Mortgage specializes in combining home purchase and renovation costs into a single rehab loan, simplifying financing for buyers and refinancers. Their team handles both purchases and refinancing, with many customers appreciating clear communication and a smooth process, though some note the occasional wait typical of mortgage underwriting.

Services & Prices
Home Purchase Financing Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(602) 469-1270
Closed Now
3111 N Central Ave a101, Phoenix, AZ 85012, USA
General Services
Mortgage Services
3

Matt Webber - Phoenix Mortgage Loan Officer

Specializing in renovation mortgage loans, this team helps homebuyers finance properties based on their future value after improvements. They guide clients through purchase, refinance, and construction loans with clear communication and steady support. Customers appreciate their responsiveness and thorough explanations, even when additional paperwork is needed.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(480) 270-0804
Open 00:00 - 23:59
2111 E Highland Ave Suite B305, Phoenix, AZ 85016, USA
General Services
Home Loan Services
4

Copperstate Home Loans, LLC

Specializing in renovation and FHA 203(k) loans, Copperstate Home Loans, LLC helps borrowers with a range of credit and income levels navigate financing for home purchases and repairs. The team provides clear communication throughout the process, though some projects may experience delays due to factors beyond their control. Customers appreciate their knowledgeable, responsive approach and… more...

Specializing in renovation and FHA 203(k) loans, Copperstate Home Loans, LLC helps borrowers with a range of credit and income levels navigate financing for home purchases and repairs. The team provides clear communication throughout the process, though some projects may experience delays due to factors beyond their control. Customers appreciate their knowledgeable, responsive approach and straightforward service.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Loan Refinancing Quoted per loan
View Profile
(602) 717-1264
Closed Now
7362 N 38th Ave,Phoenix, AZ 85051
General Services
Home Loans
5

The Williamson Team Fairway Independent Mortgage

Specializing in renovation loans that combine purchase and repair costs, The Williamson Team at Fairway Independent Mortgage helps finance home improvements or refinance existing mortgages. Customers appreciate their clear communication, thoroughness, and genuine care throughout the lending process, though some note that eligibility requirements can vary by loan program.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Standard Pre-Approval Quoted per loan
View Profile
(602) 373-7779
Open 00:00 - 23:59
3200 E Camelback Rd #200, Phoenix, AZ 85018, USA
General Services
Mortgage Lending
Where they are 8 on the map Click a pin for the profile and directions
6

Affinity Home Mortgage, LLC

Are you unsure which loan program is right for you? From boring, conventional loans to niche loans, we have you covered! So you can feel confident in choosing the right loan option, we'll explain them all. Our rates and fees are unbeatable. We make it easy to get a loan with our extensive resources, knowledge, and experience. Are you unsure which loan program is right for you? From boring… more...

Are you unsure which loan program is right for you? From boring, conventional loans to niche loans, we have you covered! So you can feel confident in choosing the right loan option, we'll explain them all. Our rates and fees are unbeatable. We make it easy to get a loan with our extensive resources, knowledge, and experience. Are you unsure which loan program is right for you? From boring, conventional loans to niche loans, we have you covered! So you can feel confident in choosing the right loan option, we'll explain them all. Conventional, FHA and VA loans, USDA, HECMs, Jumbos, Prime Loans. Programs for first-time homebuyers, Renovation Loans, and Condo Loan Programs. Primary Residence, Second Home & Investment Home Loans.

View Profile
(602) 980-9400
Closed Now
2390 E Camelback Rd Ste 130,Phoenix, AZ 85016
7

Kym Marie Sorensen | Fairway Independent Mortgage Corporation Loan Officer

Fairway Independent Mortgage Corporation seeks to provide simple and affordable mortgage solutions. There are over 670 locations across the nation that offer local service and support backed up by national strength. Fairway has a variety of financing options to suit your needs, whether you are buying your first or second home. From application through closing, our loan officers will be there to… more...

Fairway Independent Mortgage Corporation seeks to provide simple and affordable mortgage solutions. There are over 670 locations across the nation that offer local service and support backed up by national strength. Fairway has a variety of financing options to suit your needs, whether you are buying your first or second home. From application through closing, our loan officers will be there to help you. Fairway will calculate the adjusted sale price by combining the amount due to Fairway and any repairs or improvements. A renovation loan can be used to refinance an existing mortgage or finance your home improvements and repairs. To save you from making two mortgage payments simultaneously, finance as much of the home's remaining mortgage payment. Fairway's eligibility requirements for repairs and improvements may differ from one loan program to another. Ask your Fairway advisor about all the options you have when discussing your specific project details.

View Profile
(602) 428-6663
Open 8:00 AM - 6:00 PM
7010 E Chauncey Lane, Units 120 & 125, Phoenix, AZ 85054, USA
8

Guild Mortgage Company

Guild Mortgage is one of the top independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your community. Guild offers deep expertise and personalized service for new home purchases and refinancing to every kind of borrower. Whether you are a first-time homebuyer, upgrading, downsizing, or investing in residential real estate, we have the loan to fit your life.… more...

Guild Mortgage is one of the top independent mortgage lenders in the nation*, with knowledgeable residential loan officers in your community. Guild offers deep expertise and personalized service for new home purchases and refinancing to every kind of borrower. Whether you are a first-time homebuyer, upgrading, downsizing, or investing in residential real estate, we have the loan to fit your life. Maybe you’ve found the perfect location, but the house needs improving. Maybe staying in your current (but outdated) home is what’s important. Either way, a home renovation loan lets you make upgrades now and pay over time–so you can create a place you’re proud to call home. A home renovation loan lets you purchase or refinance a home in almost any condition, make improvements and pay for them over time. Consolidate the cost to buy or refinance with the estimated remodeling costs. We connect you with a renovation loan specialist and you select your preferred contractor to complete the work.

View Profile
(602) 595-2946
Closed Now
2231 E Camelback Rd STE 200, Phoenix, AZ 85016, USA

Phoenix Home Improvement Loan Statistics

Home-improvement lending in Maricopa County and home costs in Phoenix, AZ (latest HMDA and Census data)

Lenders made 10,851 home-improvement loans in Maricopa County in 2025 (average about $148,000) and denied 5,474 — 34% of decided applications, compared with 35% across Arizona, according to federal mortgage data (HMDA, CFPB). The typical home in Phoenix was built in 1985 and is worth $420,700 (Census ACS 2020–2024).

Home-improvement loans, 2025
10,851▲ 1%10,714 in 2024
Denial rate
34%AZ 35%
Median year homes built
1985AZ 1992
Median home value
$420,700AZ $394,500
Home-purchase loans made (Maricopa County, 2025)
55,262
Refinance loans made (2025)
33,966
Average home-improvement loan
$148,000 (AZ $138,000)
Owners with a mortgage
67% · 26% of them spend 30%+ of income on housing
Median household income
$81,332 (AZ $79,964)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Maricopa County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Phoenix Home Renovation Loan Companies stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 VA Loans for Vets NMLS#184169 5.0 116 Quoted per loan (602) 908-5849 Visit
2 Camelback Mortgage 4.9 68 Quoted per loan (602) 469-1270 Visit
3 Matt Webber - Phoenix Mortgage Loan Officer 5.0 32 Quoted per loan (480) 270-0804 Visit
4 Copperstate Home Loans, LLC 5.0 22 Quoted per loan (602) 717-1264 Visit
5 The Williamson Team Fairway Independent Mortgage 5.0 7 $50 (602) 373-7779 Visit
6 Affinity Home Mortgage, LLC 5.0 4 — (602) 980-9400 Visit
7 Kym Marie Sorensen | Fairway Independent Mortgage Corporation Loan Officer 5.0 2 — (602) 428-6663 Visit
8 Guild Mortgage Company 5.0 2 — (602) 595-2946 Visit

Frequently asked questions

8 questions
How do I choose the best home renovation loan company in Phoenix?
Consider verified customer reviews, ratings, review volume, and whether the company has claimed its profile. TrustAnalytica ranks using these factors for transparency.
What services do top home renovation loan companies provide?
They offer loans for home renovations, including financing options, application assistance, and guidance on loan terms and conditions.
Are free consultations common with home renovation loan companies in Phoenix?
Yes, many companies offer free consultations to discuss loan options and terms before committing.
What questions should I ask a home renovation loan company?
Inquire about interest rates, loan terms, fees, eligibility requirements, and the application process.
Do I need a home renovation loan company for my project?
If you need financing for renovations, a loan company can provide options and guidance tailored to your needs.
How long does it take to process a home renovation loan in Phoenix?
Processing times vary but typically range from a few weeks to a month, depending on the lender and complexity of the loan.
How do fees and pricing work for home renovation loans?
Fees may include origination fees, interest rates, and closing costs. These vary by lender and loan type.
What is the difference between a home renovation loan and a line of credit?
A renovation loan provides a lump sum for specific projects, while a line of credit allows flexible borrowing up to a limit.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 renovation loans list assembly and recognition by TrustAnalytica for Phoenix is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing renovation loans companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 renovation loans category.

The Process

1

Business Verification

Verified renovation loans listings in Phoenix are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive renovation loans profiles offer vital details for informed decisions in Phoenix.

3

Reviews And Ratings

Real-time customer ratings guide our renovation loans rankings in Phoenix, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top renovation loans providers in Phoenix.

5

AI Search Visibility

Every renovation loans listing in Phoenix is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.