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Summit Mortgage Group

Home loans, made straightforward.

Call us today (555) 010-2400

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Address

1200 Camelback Road
Suite 210
Phoenix, AZ 85014

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Hours

  • Monday – Friday 8:00am – 6:00pm
  • Saturday By appointment
  • Sunday Closed

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Frequently asked questions

How much can I borrow?

That depends on your income, credit profile, existing debts, and the size of your down payment. A quick pre-qualification gives you a realistic range before you start shopping.

How long does the process take?

Most purchase loans close in 30 to 45 days once your application is complete. Refinances are often faster because there is no seller or move to coordinate.

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Trusted by

They explained every option in plain language and closed on time. I never once felt like I was guessing.

Dana R. First-time buyer
20+
Years of lending experience
4.9/5
Average client rating
30 days
Typical time to close

How it works

  1. Get pre-qualified

    Answer a few questions and find out what you can comfortably borrow.

  2. Choose your loan

    We compare the programs you qualify for and explain the tradeoffs in plain language.

  3. Close with confidence

    We coordinate the paperwork and keep you updated until the keys are in your hand.

Predictable for the whole term

Your rate and principal-and-interest payment stay the same for the life of the loan, which makes budgeting straightforward.

Lower to start, adjusts later

An adjustable-rate mortgage starts with a fixed introductory period, then adjusts on a set schedule within published caps.

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Ready to see what you qualify for?

It takes about ten minutes, and there is no cost to find out.

Apply Now Talk to a Loan Officer
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Tell us a little about what you are looking for and we will follow up the same day.

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Summit Mortgage Group

Home loans, made straightforward.

Call us today (555) 010-2400

Apply Now

Jordan Avery

Senior Loan Officer

NMLS #1234567

Direct (555) 010-2411

Apply Now
Summit Mortgage Group

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Serving buyers since 2004

Your next chapter starts at the closing table

Talk to a local loan officer today and know exactly what you can afford.

Start My Application Calculate a Payment
Local lending, done right

A mortgage that fits the life you are building

Straight answers, fast pre-approvals, and a team that picks up the phone.

Purchase Refinance Apply Now
Purchase · Refinance · Renovation

Financing that moves at the speed of your offer

Pre-approval in days, not weeks — with a loan officer who knows your market.

Get Pre-Approved See Loan Options

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Mortgage

Ready to get started?

Start your secure application whenever it suits you — save your progress and come back any time.

Start your application (opens in a new tab) Talk to a loan officer first

Applying does not obligate you to accept a loan.

Estimate your monthly payment

Adjust the numbers to see how price, down payment, rate, and term change an estimated payment.

20% of the home price

Calculator results are estimates provided for illustrative purposes only and may not reflect actual loan terms. This is not a commitment to lend, a preapproval, or an offer of credit. Actual rates, payments, and costs depend on credit approval, satisfactory appraisal, and underwriting guidelines. Consult a licensed loan officer for details.

Loan programs

Every borrower is different. These are the programs we work with most often — a licensed loan officer can help you compare them.

  • Conventional

    Fixed- and adjustable-rate loans that aren't insured by a government agency. A common fit for borrowers with established credit.

  • FHA

    Insured by the Federal Housing Administration, with more flexible credit and down payment guidelines than most conventional programs.

  • VA

    For eligible veterans, active-duty service members, and surviving spouses. Often available with no down payment.

  • USDA

    Backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas.

  • Jumbo

    Financing above the conforming loan limits set for your county, for higher-priced homes.

  • Refinance

    Replace your current mortgage to change the rate or term, or to use available equity.

Equal Housing Opportunity

Summit Ridge Mortgage is a d/b/a of Summit Ridge Lending, LLC.

Summit Ridge Lending, LLC — Company NMLS ID #1942

Licensed in:

  • AZ #0948696
  • CA #1751095
  • TX #2210447
1200 Market Street, Suite 400
San Francisco, CA 94102
(415) 555-0142

All loan applications are subject to credit approval, satisfactory appraisal, and underwriting guidelines; website content is for information only and not an official commitment to lend.

How the loan process works

Most purchases follow the same five steps. Here is what to expect, and roughly how long each stage takes.

  1. Apply

    Day 1

    Complete the application and share income, asset, and credit details. Most borrowers finish online in about 15 minutes.

  2. Get preapproved

    1-3 days

    We review your documents and issue a preapproval letter showing sellers what you can borrow.

  3. Find a home

    Varies

    Shop with a clear budget, make an offer, and send us the accepted purchase contract.

  4. Underwriting

    2-3 weeks

    An underwriter verifies your file while the appraisal and title work are ordered. Expect a few follow-up questions.

  5. Close

    Closing day

    Review your closing disclosure, sign the final paperwork, and get the keys.

Today's rates

Rates as of

Sample mortgage rates by loan type — as of January 1, 2026
Loan type Rate APR
30-year fixed 6.500% 6.625%
15-year fixed 5.750% 5.900%
FHA 30-year fixed 6.250% 7.125%
VA 30-year fixed 6.125% 6.400%
Jumbo 30-year fixed 6.750% 6.850%

APR shown for a representative $400,000 loan at 20% down, 740+ credit score, owner-occupied single-family home, with 30 days of prepaid interest and standard lender fees. Your APR will differ.

Sample rates for illustration only — replace them, and the date above, before publishing. Rates and APRs shown are not an offer or commitment to lend and are subject to change without notice. Your actual rate depends on credit, loan amount, occupancy, property type, and other factors.

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Team

Meet the team

Local loan officers who will still be here after you close.

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What our clients say

  • 5 out of 5 stars

    They walked us through every step and closed a week ahead of schedule. We never once wondered where things stood.

    Dana & Chris M. Tempe, AZ

  • 5 out of 5 stars

    I had been turned down elsewhere. Jordan found a program that fit and got it done without any drama.

    Renee T. Chandler, AZ

  • 5 out of 5 stars

    Straight answers about rates and costs, in writing, on day one. That is rarer than it should be.

    Alex P. Mesa, AZ

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