Welcome to AZ Loans for Homes

My name is Rick Millard and I'm a loan officer with Smarter Home Solutions MB0905182 in Phoenix, Arizona.  I only do loans in Arizona.  I have a degree in Finance and have been in the Finance and Banking business for over 15 years.  I charge a low flat commission based entirely on the loan amount and paid by either the lender or the client:

50, 000 to 100,000	1,000
100,000 to 200,000	1,500
200,000 to 400,000	2,000
400,000 to 600,000	3,000
600,000 to 800,000	4,000
800,000 and up	5,000

On this site you will find calculators to estimate your new monthly mortgage payment, a complete breakdown of all fees charged in escrow, and my commission structure.  I like to keep things direct and to the point.  You will find no fluff here.  I believe that too many mortgage web sites deal in information overload in an attempt to appear more credible.  I offer exceptional service with competitive rates at a below average cost.  If you would like to talk to me about a home loan, please click on the button to the left and I will contact you that same day.