From refinancing and cash-out loans to HELOCs and home equity, Agave makes it sweet and simple to buy a home, save money, access equity, and consolidate debt.
Giving you the best of both worlds: lower rates, lower costs, more options, and faster closings.
From conventional, VA, FHA and jumbo loans to flexible home equity programs, Agave makes it easy to find the right loan for your needs — all with low rates and a simple, online process.
Conventional loans are available for both home purchase, rate and term, and cash-out refinances. First-time homebuyers can put as little as 3% down. Fixed-rate terms from 8 to 30 years and options to eliminate PMI.
VA loans offer purchase and refinance options for eligible veterans and active-duty service members. Benefits include 0% down, no PMI, flexible income requirements, and streamlined refinancing through the VA IRRRL program.
FHA loans support home purchase and refinance, including the simplified FHA Streamline refinance. With low down payment options and relaxed credit standards, this HUD-backed loan is ideal for first-time or lower-credit borrowers taking cash-out.
Use a home equity loan or HELOC to tap into your home’s equity. These products are ideal for a cash-out refinance alternative, covering renovations, debt consolidation, or major expenses without changing your existing mortgage.
We make home loans simple by combining the best of both worlds — we fund loans directly and shop top lenders for you. That means lower rates, faster closings, and more options.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes.
We shop top lenders and loan programs to deliver simple and easy-to-understand numbers.
Upload docs, e-sign securely, and get your approval fast.
Review and sign your closing documents. Enjoy lower rates, new savings, or the keys to your new home!
Our software searches thousands of interest rates from the nation’s top lenders so you don’t have to. We do the work to deliver low rates and low costs, you reap the benefit.
Work with the same loan officer and processor for a consistent experience. Accountability from start-to-finish.
Communication through text, phone, and e-mail according to your preference.
We want you spending time doing what you love, not spending time on your mortgage.
Most banks have large overhead with individual branches leading to higher rates and fees. We’re a boutique broker and keep fees lower.
Over the past five years, Agave Home Loans has helped more than 5,000 homeowners secure over $1 billion in funded mortgage volume—driven by a commitment to low rates, low costs, flexible loan options, and trusted local expertise. Our experienced loan officers make every step of the process simple, transparent, and stress-free, earning five-star reviews and lifelong client relationships.
Explore our Frequently Asked Questions for quick answers on loans, products, and what separates us, helping you make informed decisions.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
We provide a wide range of mortgage solutions, including refinancing, purchase, home equity loans, HELOCs, Jumbo, VA and FHA loans, Conventional, manufactured home loans, and non-QM options. Our role is to help you understand these choices and suggest what may fit your goals.
A refinance replaces your existing mortgage with a new one, often to change your rate, term, or loan type. A home equity loan or HELOC lets you borrow against the equity in your home without changing your current mortgage. We’ll help you compare both approaches so you can decide which aligns better with your situation. These options are common for consolidating debt and financing home renovations.
We’re both a mortgage broker and a lender. That means we can shop multiple lenders and banks for competitive rates and programs while maintaining more control over the loan process. Our goal is to explain the pros and cons so you can choose what works best for you.
You can confirm by checking the numbers on this page or calling our main office directly at (888)300-3440 or (833)316-3170. If the call was about refinancing, a home purchase, or using your home’s equity, it’s likely from our team.
We use several caller ID numbers when reaching out to customers. If you receive a call from one of the numbers listed here, it may be our team trying to connect with you about your home loan options. You can also check the numbers on our “Meet the Team” page. (201)733-9766, (201)932-2607, (209)680-8884, (213)647-2825, (213)720-5360, (218)210-4976, (218)210-5355, (239)456-1314, (251)202-2713, (256)258-9844, (276)256-6264, (305)946-1816, (336)551-1718, (360)569-7443, (386)284-8689, (404)855-0015, (412)213-4403, (412)368-1798, (423)407-5894, (425)546-2540, (434)278-2123, (458)237-7266, (470)615-2980, (470)649-4498, (480)716-5729, (484)262-1680, (540)276-5734, (540)340-1120, (551)236-4530, (564)215-4218, (570)318-7970, (602)560-0985, (609)491-2482, (615)583-6695, (619)604-3180, (678)268-2560, (720)647-8865, (731)249-7464, (760)836-3395, (762)238-1340, (803)342-1363, (828)307-9559, (843)376-8177, (843)567-9867, (863)309-3602, (864)702-6090, (865)377-2414, (910)629-1560, (928)212-5420, (980)364-4680
Real clients leaving real reviews. Their stories show how our low-rate, low-cost mortgage options and guidance have helped thousands of homeowners buy, refinance, and pull home equity with confidence. From first-time buyers to seasoned investors, our clients share how Agave Home Loans made the process simple, transparent, and easy.
"Excellent customer service. These guys even answered questions on Saturday and Sunday. We had a 3 week closing but would have been a week earlier if a lien holder on our house didn't drag their feet on getting us a payoff letter. These guys are top notch! We recommend anyone in AZ to give these guys a try! You won't be disappointed."
Excellent service!! Knowledgeable and helpful staff that made a very stressful process as easy as possible. Highly recommend
We were given such excellent service throughout every step of the process. Our broker Jena went above and beyond!
Our articles and resources are written by experienced loan professionals who live and breathe mortgage lending. Explore educational guides, real-world advice, and up-to-date news to stay confident in every stage of your homeownership journey.
Many homebuyers and homeowners face the same big question:…
Choosing the right home loan matters more than ever…
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
I shopped 3 lenders and Agave Home Loans had the lowest rates!
- Debra S. in Phoenix, Arizona