Edwards Financial Services, a mortgage brokerage licensed in Arizona is committed to assisting you in obtaining the very best home loan possible. Based in Tucson, our experts in mortgage lending are available to help you evaluate the wide array of conventional home loans, VA loans, FHA loans and USDA Guaranteed Rural Housing loan programs.
No matter your need, be it for financing a new home purchase or to refinance your existing home loan our consultants can guide you through the home loan application process and take the worry and concern out of applying for a mortgage.
No matter your need, be it for financing a new home purchase or to refinance your existing home loan our consultants can guide you through the home loan application process and take the worry and concern out of applying for a mortgage.
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Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value.
Reviews (10)
Chantelle Khambholja
Nov 03, 2021
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Ray Edwards is one of the loveliest people I have had the pleasure of working with! He helped guide me through the entire process of buying a home for the first time. He was kind, empathetic, thoughtful, dedicated and so hardworking! Despite how busy he was, he always made me feel like a priority and feel like no question was ever too small nor too silly! Whenever there were minor speed-bumps, Ray went out of his way to ensure they were handled without any delays in the overall process. Due to the insanity that is home-buying in 2021, there was an issue with being able to schedule an appraisal
Jeff Welch
Sep 26, 2020
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Ray and his team proactively reached out to our security consulting firm during this difficult time to ensure their customers’ private information was both safe and secure. They were receptive and accommodating during our team’s assessment and it was apparent from the start that they truly care about their client’s data security. If you are looking for a 1st class mortgage lender who takes the time necessary to protect your financial information, Edwards Financial Services should be at the top of your list.
Na Na
Jul 25, 2020
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Ray and Eric worked diligently to assist my husband and I during the refinancing of our home. They were quick, responsive, and did everything they could to make the process as quick and painless as possible. We cannot recommend them highly enough. True professionals with a high degree of knowledge and skill. We will continue to do business with Ray and his team on all our real estate needs in the future.
Tonya Canning
Jun 24, 2020
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My husband and I just purchased our first home and Ray Edwards was with us every step of the way. We were nervous and clueless about so much of this process, but Ray boosted our confidence and hope through everything. From our first phone call with Ray...we felt like family. There just isn't a better way to explain it. We didn't know him or his family at all, yet we always felt like they had our best interest at heart...and he did. He, his wife, and his team went out of their way to support and guide us through this journey. We are so blessed to have had him work with us and for us...but it goes
Diane Thompson
Jan 02, 2020
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Ray was a fantastic mortgage broker. He discussed various mortgage options with us, explained the terms and conditions in detail, and found the best mortgage rate and terms for our financial needs/situation. As first time homebuyers, he patiently walked through all of the steps and paperwork when we needed assistance (even outside of "normal" business hours). When there were issues that needed to be addressed, Ray took care of it. We would highly recommend Edwards Financial Services.
Mina Shamoun
Oct 17, 2019
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I originally had a different lender to purchase my first home with, but I ended up switching over to Edwards Financial a few weeks before my closing date. This was a little risky, since I had already sent in all of my documents and the paperwork was signed with that first lender. But a very good friend of mine insisted I switch lenders because he knew Ray and his team were the best and that I wouldn’t regret it. My friend had already purchased a home with Ray before and always refers everyone he knows over to Edwards Financial. I ended up filling out the form online for the loan and then sent
Josh Marshall
Aug 27, 2019
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Mr. Edwards and his team recently completed a loan for me and I could not be more satisfied. I have been using their team to complete loans since 2003 and they have always got the job done even when there have been multiple obstacles. I have referred multiple of my closest friends and family to their team and have only heard the loans were completed and each of their customers were satisfied. I will continue to work with this outstanding team and would recommend them to anyone who asks. Thanks Ray!
Robert Brown
Nov 01, 2018
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Ray Edwards is a friendly professional with in depth knowledge and years of experience. I recommend anyone in need of lending services go with Edwards Financial.
I just closed on the VA loan I used to purchase my home 33 days after my first offer! There were two counter offers. I didn't put any money down on the loan. In my case, I got nearly half of my earnest money back when I closed. Ray had all of the rules and requirements for my conventional VA loan considered and planned for.
Ray made every step of the process a breeze, with great communication and explanation if needed. I wish I knew
I just closed on the VA loan I used to purchase my home 33 days after my first offer! There were two counter offers. I didn't put any money down on the loan. In my case, I got nearly half of my earnest money back when I closed. Ray had all of the rules and requirements for my conventional VA loan considered and planned for.
Ray made every step of the process a breeze, with great communication and explanation if needed. I wish I knew
Sarah Marsitto
Jul 22, 2016
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Ray helped me accomplish a very challenging refinance. When no one else could find a solution to my unique problem, Ray found a way. He was caring, hard-working, resourceful, knowledgeable, prompt, dedicated, honest, calm and very encouraging throughout the process. Working with Ray was a blessing, I never met him because we live in different cities and did everything online, by phone, text and fax. However, I feel like we've known each other for years and I have made a friend. This was not an easy project and he never gave up. I am extremely grateful for his services and integrity!
Scott Batcheldor
Jan 22, 2016
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Over the past 35 years, I have endured several real estate loan processes - most of which were something short of pleasurable. Recently my wife and I decided to pursue the purchase of our dream cabin in the white mountains of Arizona. We had the good fortune of working with Ray Edwards and the staff at Edwards Financial Services. Ray skillfully guided us through a very lengthy and complex loan process. Ray's knowledge and attention to detail were instrumental in ensuring that all the supporting documentation required to complete the loan process accompanied the application. Ray's integrity and
