State page · AZ
Mortgage & Non-QM information for Arizona
Company licensing on file with NMLS for E Mortgage Capital, plus Non-QM education and a direct line to Billy Robles.
A Arizona page for a Arizona originator
Information submitted from this page is forwarded to a licensed colleague who can work Arizona. A copy is also kept for site tracking. This page is the public home for a participating originator licensed here — after the listing is approved.
- Mortgage Banker License #BK-1018253
Confirm live status: Company NMLS #1416824 · EMC Licensing & Disclosures
Non-QM programs often discussed
- Bank-statement / P&L — self-employed borrowers who do not fit full-doc tax-return underwriting.
- DSCR (investor) — qualification from property cash flow rather than personal DTI, where allowed.
- Asset depletion / utilization — liquid assets converted to a qualifying figure.
- ITIN / foreign national — when the investor program and state rules allow it.
- Jumbo / non-conforming — balances above the current conforming limit for the unit count.
Availability, pricing, prepayment terms, and documentation are investor- and state-specific. This page does not advertise a live rate or a guaranteed approval.
Arizona Non-QM snapshot (educational)
Bank-statement files typically need 20-25% down, 12 or 24 months of deposits, and 3-6 months of reserves. DSCR investor files qualify from rent / PITIA, often allow LLC vesting, and may include a 1-5 year prepay where the loan is business-purpose.
2026 conforming baseline often cited for a 1-unit property is $832,750 — larger balances are jumbo / non-conforming.
Company license on this page: Arizona Mortgage Banker License BK-1018253 (confirm on NMLS). Billy Robles is individually licensed in Arizona (NMLS 2751970).
Arizona origination roadmap (educational)
Visual overview for discussion. Confirm current statutes, agency rules, and investor overlays before relying on any figure.
Video notes
Video for Arizona can be added from the invite updater (YouTube/Vimeo URL or uploaded file).
Until then, use the inquiry form. The listing goes live after it is approved.
Next step
Have the property state, occupancy, and a rough loan amount ready. What you send is forwarded to a licensed colleague for Arizona. A copy is kept for tracking.