Why Agave For Your Home Loan?

A Smarter Way to Shop for a Mortgage

At Agave Home Loans, our mission is simple: to bring clarity, flexibility, and confidence to your home financing journey. Whether you’re buying your first home, refinancing, or exploring your equity options, we’re here to empower you with clear choices and honest advice.

Agave is proud to be both a mortgage broker and a direct lender. That means we give you the product access of a broker and the pricing power of a lender, truly the best of both worlds.

Low Rates and Lower Costs – Here’s How We Do It

We Shop Many Lenders and Investors for You

Instead of being limited to one bank’s rates and terms, Agave works with a wide network of wholesale lenders and investors. This allows us to compare offers on your behalf and find the most competitive deal available.

Preferred Partners Must Earn Our Business

We don’t work with just any lender. Our partners are held to high standards for both pricing and customer service. They have to consistently prove their value to earn and maintain our trust.

Transparent Cost Structures

We believe in straightforward pricing. You’ll receive clear, honest estimates with no surprise fees. We explain your rate options in plain language so you always know what you’re paying for.

Did You Know? Mortgage brokers often secure better pricing than retail banks because they create competition among wholesale lenders.

Communication You Can Count On

Fast, Responsive, and Human-Centered

Buying or refinancing a home can be stressful. We make it easier by responding quickly, giving timely updates, and staying proactive. You’ll never feel left in the dark. That’s why Agave has an A+ BBB rating.

High Standards, Real People

Our team is built on strong values and deep industry knowledge. You’ll work with dedicated professionals who treat you like a person, not a number.

A Loan for Every Type of Borrower

Low Credit? No Problem.

We specialize in helping clients with credit scores under 580. Thanks to our wide network, we can match you with low credit mortgage options in Arizona and beyond.

First-Time Homebuyers to Self-Employed

From FHA and VA loans to conventional programs and bank statement options, we have the right solution for every borrower, even those with unique income situations.

Homeowners Tapping Equity

Need cash from your home? We offer HELOCs, home equity loans, and cash-out refinance options, including flexible home equity options in Phoenix, Arizona and in 14+ other states.

High-End Properties? Covered.

If you’re buying or refinancing a jumbo property, we offer competitive jumbo loan solutions tailored for high-value homes.

Empowering You to Make Informed Decisions

Education Over Pressure

Our approach is to inform, not push. We help you understand your choices so you feel confident every step of the way.

Clear Comparisons, Honest Advice

We’ll show you your best options side by side. No upselling- just the mortgage that fits your goals and budget.

Why Agave Stands Apart

We’re not just another mortgage company. Our unique broker and lender hybrid model allows us to offer more options, lower rates, and a more human experience.

FAQs About Agave Home Loans

Q: Can Agave help with low credit mortgage options?
A: Yes. We have access to programs that approve credit scores as low as 580, and even below in some cases.

Q: How does Agave find such low mortgage rates?
A: As a broker and lender, we shop a network of wholesale lenders to find lower available rates.

Q: What’s the difference between working with a broker vs a lender?
A: A broker can offer multiple lenders’ products, while a lender typically offers only its own. Agave gives you both with benefitting from the competition and optionality of a broker with the control and continuity of a lender.

Q: What loan programs does Agave offer?
A: We offer FHA, VA, conventional, jumbo, HELOCs, bank statement loans, and more designed to fit nearly every borrower.