Most people use three different professionals. With Jeff Denney — licensed Realtor and mortgage lender — your buying, selling, and financing all move together, faster.
Get pre-approved, compare loan options, and find the right home in Phoenix, East Valley, and beyond.
Know what your home could sell for, understand your net proceeds, and plan your next move with confidence.
Run FHA, Conventional, VA, and Jumbo side-by-side with taxes, insurance, and HOA included.
Most homebuyers juggle a Realtor on one phone and a lender on another — and neither one talks to the other fast enough. Jeff holds both licenses, so your offer, your rate, and your timeline are always in sync.
No referral ping-pong. Tell Jeff your goals once and get a real plan — buying, selling, or both.
Know exactly what you can afford before you fall in love with a home. A pre-approval letter is ready in as little as 24 hours.
Jeff communicates between the real estate and lending sides so nothing falls through the cracks at the finish line.
Jeff actively serves buyers and sellers throughout the Phoenix Metro and East Valley.
Metro & surrounding areas
Southeast Valley
East Valley
Largest East Valley city
Growing SE Valley
ASU & the 101
Luxury & resort living
Licensed statewide
Jeff handled both our home sale and our purchase loan at the same time. We never felt lost or handed off. Everything closed on schedule and he was reachable every step of the way.
As a first-time buyer, I had no idea where to start. Jeff walked me through FHA vs. Conventional, helped me understand my options, and got us pre-approved in 24 hours. We closed in 28 days.
We used our VA benefit for the first time and Jeff made it completely stress-free. He explained the funding fee, walked us through the VA appraisal process, and we got the home we wanted with zero down.
Whether you're buying, selling, or just exploring — a 15-minute call with Jeff can give you a clear picture.
Jeff helps Arizona buyers get pre-approved, compare loan types, and close with confidence in the East Valley and beyond.
Guild Mortgage offers all major loan types. Here's what each means for your Arizona purchase.
Backed by the Federal Housing Administration. Great for first-time buyers with lower credit or limited savings.
Not government-backed. Often the best option if you have strong credit and 5–20%+ down.
Exclusive benefit for eligible veterans, active-duty service members, and surviving spouses.
For Arizona luxury and higher-priced homes that exceed conventional loan limits.
Before you tour a single home, know your budget. Jeff reviews your income, credit, and savings to issue a real pre-approval — not just a pre-qualification guess.
FHA, Conventional, VA, or Jumbo — each has different costs and qualifications. Jeff walks you through the numbers before you commit.
Jeff as your Realtor means you get access to MLS listings, off-market opportunities, and expert negotiation in the East Valley market.
Jeff writes a strong offer and guides you through inspection, appraisal, and any negotiations that come up.
Jeff coordinates both sides — real estate and mortgage — so nothing falls apart at the finish line. Arizona closings typically take 21–30 days.
Tell Jeff about your situation and he'll reach out within one business day.
Get a professional market analysis, understand your true net proceeds, and plan your sale with clarity.
A sale price is just a starting point. Here's a simplified example of how net proceeds are calculated on a $500,000 sale.
| Sale Price (example) | $500,000 |
| Real Estate Commission (5–6%) | – $27,500 |
| Estimated Closing Costs (1–2%) | – $7,500 |
| Mortgage Payoff (if applicable) | – varies |
| Staging / Repairs (estimate) | – $2,500 |
| 💰 Estimated Net Proceeds | ~$462,500+ |
* This is a simplified illustration only. Jeff will provide a detailed seller net sheet specific to your home. Numbers will vary based on your mortgage balance, negotiated commission, and market conditions.
This is the #1 question Arizona sellers ask. The answer depends on your situation — but here are your main paths.
The traditional approach. You know exactly how much you have to work with, and you won't carry two mortgages. The tradeoff: you may need temporary housing between close of escrow and your new home purchase.
Depending on your equity and financial profile, there may be strategies — including bridge financing or a contingency offer — that allow you to secure your next home before your current one sells. Jeff will walk through what's realistic for your situation.
Arizona home values vary dramatically by zip code. Jeff's local knowledge of Maricopa County market data ensures your home is priced to sell — not priced to sit.
Jeff works the buyer side too, meaning your listing reaches pre-approved buyers already in the pipeline — not just strangers browsing Zillow.
If you're buying and selling simultaneously, Jeff coordinates both transactions so you're not left scrambling between closings.
* Market data is approximate and changes frequently. Contact Jeff for a current Comparative Market Analysis specific to your neighborhood.
Jeff will prepare a personalized Comparative Market Analysis and reach out within one business day.
Adjust the inputs to see a full estimated monthly payment breakdown for each loan type, including taxes, insurance, and HOA.
These payment estimates are for comparison and educational purposes only. They do not constitute a loan approval, pre-approval, official Loan Estimate (LE), Good Faith Estimate (GFE), or any commitment to lend.
All loan programs are subject to credit approval, income verification, appraisal, and satisfaction of all underwriting conditions. Guild Mortgage Company is an Equal Housing Opportunity Lender. Guild Mortgage NMLS #3274. Jeff Denney NMLS #2269636. Licensed to originate mortgage loans in Arizona.
The calculator gives estimates. Jeff can give you actual numbers based on your profile.
Detailed breakdowns of every loan type Jeff offers through Guild Mortgage, with Arizona-specific guidelines.
Federal Housing Administration — the go-to loan for first-time buyers and those with less-than-perfect credit.
FHA is ideal if you're a first-time buyer, have a credit score between 580–679, or have a higher debt-to-income ratio that conventional lenders won't approve. The trade-off is mortgage insurance, which stays for the life of the loan if you put down less than 10%.
FHA includes two types of mortgage insurance: an upfront premium of 1.75% (typically rolled into the loan) and an annual premium of approximately 0.55% billed monthly. On a $430,000 FHA loan, that's about $197/month in mortgage insurance added to your payment.
Not government-backed. Usually the best total-cost option for buyers with solid credit and 10–20%+ down.
Conventional is the right choice if you have a credit score of 680 or higher, are putting at least 5–10% down, and want the flexibility to remove PMI once you reach 20% equity. It's also the only path if your purchase price exceeds FHA loan limits.
Unlike FHA, conventional PMI rates vary based on credit score and LTV, and can be removed once your loan balance drops to 80% of the original value — saving you money long-term. Estimated PMI typically runs 0.5–1.2% of the loan annually.
Exclusive to eligible veterans, active-duty service members, and surviving spouses. The best loan on the market for those who qualify.
You may qualify if you're an active-duty service member, veteran, National Guard or Reserve member (with qualifying service), or surviving spouse of a veteran. Jeff will verify your Certificate of Eligibility (COE) as part of the pre-approval process.
VA loans don't require monthly mortgage insurance, but most borrowers pay a one-time VA funding fee (2.15% for first-time use, 3.30% for subsequent use). This fee can be rolled into the loan. Veterans with a service-connected disability rating are typically exempt. Even with the funding fee, VA loans almost always beat FHA and conventional in total cost for eligible buyers.
For Arizona luxury homes and purchases above the conventional conforming loan limit of $806,500.
If you're purchasing in Scottsdale, Paradise Valley, or other high-value Arizona markets with a loan above $806,500, you're in jumbo territory. Jumbo loans are held by private lenders (not sold to Fannie/Freddie) and typically require stronger credit, more documentation, and larger cash reserves.
Jeff will compare all four loan types for your specific situation — at no cost and no obligation.
Request a free Comparative Market Analysis and find out what buyers are actually paying for homes like yours in your neighborhood.
Online home value tools use algorithms. Jeff's Comparative Market Analysis uses actual closed sales, current competition, and real East Valley market expertise.
Neighborhood, school district, proximity to freeway access, and community amenities all affect value in Maricopa County.
Jeff reviews recently sold homes within a half-mile that are similar in size, age, features, and condition — the real data buyers and appraisers rely on.
Active listings in your zip code directly affect your pricing strategy. Jeff reviews what you're competing against right now.
Along with the CMA, Jeff provides a seller net sheet so you know what you'd actually walk away with at close of escrow.
Jeff will prepare your analysis and reach out within one business day — no obligation.
Gilbert, Chandler, and Queen Creek continue to attract buyers from California, the Pacific Northwest, and the Midwest — keeping demand elevated.
Arizona inventory remains below historical norms in most East Valley zip codes, giving well-priced homes strong negotiating leverage.
If you've owned your home for 3+ years in Arizona, you likely have significant equity to work with. A CMA costs nothing and tells you exactly where you stand.
Whether you're buying, selling, or just running numbers — Jeff is a real person who picks up the phone and answers your questions.
For buying, selling, mortgage questions, or anything else — Jeff responds within one business day.
Jeff Denney — Lead Dashboard
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