Home loans, handled by someone who spent a decade inside the process.
I'm Connor Dubin, a Phoenix mortgage broker specializing in first-time home buyers, Arizona down payment assistance, and mortgages through divorce. My operations background means I know what underwriters want before they ask, so your loan closes faster with fewer surprises.
Pre-approval usually within 24 hours. Free · No obligation · No SSN to start.
Most loan officers quote a rate and hope it closes. I engineer the approval.
Connor Dubin is a Phoenix mortgage broker at Road to Home Mortgage, specializing in first-time home buyers, Arizona down payment assistance, VA loans, and mortgages through divorce, backed by 10+ years inside loan operations.
For more than 10 years I've worked inside the mortgage machine: processing, structuring, and closing thousands of loans before ever advising a client of my own. That's the difference. I know precisely what underwriters look for, so your file is built to clear conditions the first time.
As a broker, I shop multiple lenders for your best terms instead of selling one bank's products. And I answer quickly and honestly, because a mortgage is stressful enough without wondering where you stand.
See what your monthly payment could look like.
Move the sliders for a quick, honest estimate of principal, interest, taxes, and insurance. When you're ready for real numbers tailored to you, your application takes about 15 minutes.
Get my real numbersEstimate includes principal & interest plus roughly 1.1% property tax and 0.35% homeowners insurance annually. Actual figures vary. This is not a loan offer or commitment to lend.
Start my applicationPick your path.
Four situations where the right loan structure and a decade of experience save you real money and real stress.
First-Time Home Buyers
Go from renting to owning across the Phoenix metro, often with far less cash than you'd expect.
- FHA from 3.5% down
- Conventional from 3% down
- VA loans with $0 down
- Pre-approval in ~24 hours
Down Payment Assistance
Arizona programs that can cover most, or all, of your down payment and closing costs.
- Home Plus · up to 5%
- Home in Five · Maricopa County
- Arizona Is Home program
- Often $8k–$20k in help
VA Loans
For veterans, active-duty service members, and eligible spouses: the most powerful loan on the market.
- 100% financing · $0 down
- No monthly mortgage insurance
- VA IRRRL streamline refi
- Reusable, lifelong benefit
Divorce & Refinance
Restructure the home during or after separation so it closes right the first time.
- Refinance to remove a spouse
- Equity buyout structuring
- Post-divorce home purchase
- Attorney & mediator support
Fewer surprises. Faster closings.
Straight answers.
01 / I actually answer
Quick, honest communication is the number-one thing borrowers want. You'll always know where your loan stands and what happens next.
02 / I've processed thousands of files
Ten-plus years inside operations and underwriting means I spot issues before they become problems, and structure files that clear the first time.
03 / I shop lenders for you
As a broker, I compare multiple lenders to find your best terms, instead of selling one bank's rate sheet.
04 / I speak divorce and lending
Fewer than 1% of loan officers specialize in divorce. I align settlement language with lending guidelines so nothing falls apart at closing.
From application to keys.
Apply Online
Start a secure application in ~15 minutes, no SSN required to begin.
Pre-Approval
Usually within 24 hours, so you know your real budget.
Shop Confident
Make offers knowing exactly what you can afford.
I Manage It
I structure and drive your loan through underwriting.
Keys in Hand
Fewer surprises, faster closing, and the home is yours.
Straight answers.
Often far less than you think. FHA loans require 3.5% down, conventional loans start at 3%, and VA loans require zero down for eligible veterans. Arizona down payment assistance programs like Home Plus and Home in Five can cover most or all of the rest, so many first-time buyers bring very little cash to closing.
Most FHA loans work with scores as low as 580, and conventional loans typically start around 620. If you're not there yet, I'll map out the fastest path to qualifying, usually a few months of targeted steps, not years.
Arizona offers several strong options, including Home Plus (statewide, up to 5% of the loan amount), Home in Five Advantage (Maricopa County), and Arizona Is Home. Assistance usually arrives as a forgivable second loan or grant applied to your down payment and closing costs, and it can often be combined with FHA, VA, or conventional financing.
Yes. VA loans offer 100% financing, so eligible veterans, active-duty service members, and surviving spouses can purchase with $0 down and no monthly mortgage insurance. If you already have a VA loan, a VA IRRRL streamline refinance can lower your rate with minimal paperwork and no new appraisal in most cases.
Yes. The most common path is refinancing the home into one name, which releases the departing spouse from liability and can free up equity to fund the settlement buyout. I structure these to match your decree language and lending guidelines so they close the first time.
An equity buyout lets one spouse purchase the other's share of the home, usually through a refinance that pulls equity out at settlement. I model the true feasibility and cost before you sign anything, so your settlement agreement reflects terms a lender can actually approve.
Typically within 24 hours of a completed application. You can start online in about 15 minutes, with no Social Security number required to begin, and I'll follow up personally to confirm your numbers and next steps.
A broker shops multiple lenders to find your best terms, rather than offering a single bank's rate sheet. With 10+ years inside loan operations, I also structure your file to clear underwriting efficiently, which often means a smoother, faster close. Call or text (480) 212-6562, or apply online anytime.
Your approval could change everything.
Buying your first home, tapping down payment assistance, or navigating a mortgage through divorce, start your application now and I'll personally guide the rest.
Apply now, it's freeLet's talk about your options.
First-time buyer, divorcing homeowner, or an attorney seeking a trusted lending partner? Start your application or reach out directly. I serve Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Tempe, and all of Arizona.
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