Todd Uzzell
NMLS #1525192 | Starboard Financial NMLS #156931
20+ years Arizona lending. Specialized in Non-QM loans for tech professionals (RSU/stock options), DSCR loans for real estate investors, Jumbo mortgages for luxury homes, and complex income scenarios. Google, Meta, Intel, Apple employees and Phoenix investors.
Call 480-330-1724
Phoenix Real Estate Market & Tech Professional Growth
Phoenix is Arizona's largest metro with over 1.6 million residents. The city is home to significant Google, Meta, Intel, and Apple presence, attracting talented engineers, product managers, executives, and startup founders—many with complex compensation structures (stock options, RSUs, equity vesting). Phoenix real estate market median price $550k-$700k+. Tech worker concentration in central Phoenix, North Phoenix, and suburbs. Strong appreciation, competitive market, and diverse neighborhoods attract buyers from across nation.
Phoenix also attracts real estate investors seeking strong appreciation and rental demand. Diverse investment opportunities from downtown revitalization to luxury Scottsdale market to emerging neighborhoods. Strong population growth, business-friendly environment, and tech hub status make Phoenix one of America's most dynamic and competitive real estate markets for affluent buyers and sophisticated investors.
Specialized Financing for Phoenix Tech Professionals
Non-QM Loans for Tech Professionals — Google, Meta, Intel, and Apple employees often have equity compensation (stock options, RSUs, bonus income) that traditional lenders struggle to document. Non-QM loans value actual financial position and income streams that W-2 lenders ignore. We document RSU vesting schedules, stock option valuations, and bonus income to get tech workers approved faster than national lenders. Typical closure: 35-40 days.
DSCR Loans for Real Estate Investors — Investors with multiple properties qualify based on property cash flow, not personal DTI. DSCR (Debt-Service-Coverage-Ratio) loans perfect for landlords building portfolios. Phoenix's strong rental market creates excellent cash flow opportunities. Qualification based on debt-service-coverage-ratio of investment property income, not your personal W-2.
Jumbo Loans for Luxury Homes — Phoenix luxury market ($1M+) requires jumbo financing above the $832,750 conforming limit. We offer competitive jumbo rates typically within 0.25% of conforming loans with experienced appraisers familiar with high-end Phoenix neighborhoods like Scottsdale, Paradise Valley, and Ahwatukee. Luxury market expertise and fast closings.
Relocating Tech Worker Financing — Job offer letter + relocation package = pre-approval before arrival. Many tech professionals relocate to Phoenix from coastal metros. We pre-approve based on future employment with verification letter and offer. Typical timeline: pre-approval to close within 2-3 weeks of starting job.
Phoenix Neighborhoods & Investment Markets
Central Phoenix (Garfield, Coronado, Midtown) attract young tech professionals with urban lifestyle appeal and walkability. North Phoenix and North Scottsdale command luxury premium for affluent tech leaders and executives. Downtown revitalization creates investment and owner-occupant opportunities. Luxury neighborhoods like Paradise Valley and Scottsdale appeal to high-net-worth tech buyers. Phoenix real estate appreciation strong; neighborhoods offer diverse options for appreciation, rental income, and lifestyle goals.
Frequently Asked Questions
How do Non-QM loans work for tech professionals with RSU and stock option income?
Non-QM loans value actual financial position and wealth rather than W-2 income alone. We document RSU vesting schedules, historical stock valuations, bonus income, and overall wealth position. Tech compensation is complex; non-QM lending handles it. Google, Meta, Intel, and Apple employees typically close in 35-40 days.
Can I qualify for a DSCR loan as a real estate investor in Phoenix?
Yes. DSCR (Debt-Service-Coverage-Ratio) loans qualify based on investment property cash flow, not personal DTI. If your rental portfolio has positive cash flow, DSCR financing lets you buy personally without DTI constraints. Perfect for Phoenix's strong rental and investment market.
What are Jumbo loan requirements for Phoenix luxury homes?
Jumbo loans (above $832,750 conforming limit) require: 20% down, credit 740+, 2 months reserves. Approval typically 35-40 days. Phoenix luxury market is active with competitive rates, often within 0.25% of conforming loans. Scottsdale, Paradise Valley, Ahwatukee well-served.
I'm relocating to Phoenix for a tech job. Can I get pre-approved before starting?
Yes. Job offer letter + relocation package = pre-approval before arrival. We close within 2-3 weeks of starting your job. Phoenix's tech influx means constant relocation financing expertise. Google, Meta, Intel relocations processed regularly.
How does equity compensation affect mortgage approval in Phoenix?
We document RSU vesting schedules, stock option valuations, historical bonus income, and overall wealth position. Traditional lenders struggle with equity; non-QM lending excels at complex compensation. Equity compensation strengthens your profile when properly documented.
What loan programs work for self-employed and business owners in Phoenix?
Portfolio and bank statement loans value actual business performance. We look at 2 years financials, year-to-date statements, and business bank deposits. Complex income structures and business ownership don't disqualify you—they just require proper documentation.
Can I refinance my Phoenix tech professional or investor mortgage?
Yes. Refinancing works when rates drop or to switch loan types (Non-QM to conventional, ARM to fixed). Cash-out refinancing popular for home improvements, debt consolidation, and accessing equity. Phoenix's strong property appreciation creates excellent refi opportunities.
Do you finance Phoenix investment properties and fix-and-flip deals?
Yes. DSCR loans for rental income properties, portfolio loans for investors with 5+ properties, hard money financing for fix-and-flip and value-add deals. Phoenix's strong rental market and development activity supports diverse investor strategies.
What credit score do I need for Phoenix Jumbo and Non-QM loans?
Jumbo loans typically require 740+ credit. Non-QM loans flexible: 700-720 with strong compensating factors (wealth, equity, assets). Higher scores qualify for better rates in competitive Phoenix market. We work with strong profiles in luxury and complex income.
Why work with a local Phoenix specialist vs national mortgage platform?
Local specialists understand Non-QM, RSU/stock option documentation, DSCR investor qualification, and Phoenix neighborhoods. National platforms don't specialize in complex income. We close in 35-40 days; national platforms take 50-60+ days. Expert appraisers and inspectors.
Phoenix Clients We've Helped
Google Engineer with RSU Income: "Traditional lenders didn't understand my RSU vesting schedule and equity comp. Todd documented everything perfectly and got me pre-approved in 48 hours. Closed in 36 days with best rates I found. Highly recommend!"
Real Estate Investor with 12 Properties: "DSCR loan let me buy a personal home based on my rental cash flow without DTI constraints. National lenders said impossible. Todd closed in 40 days. This unlocked my entire investment strategy. Game-changing!"
Meta Executive Buying Luxury Home: "Jumbo loan for $2M home in Scottsdale with complex equity package. Competing lenders wanted 50+ days and couldn't document my stock options. Todd closed in 38 days with better rate than big banks. Exceptional service!"