Arizona VA Loan Resources Hub
Every free tool, guide, and resource Mike publishes — all in one place.
Downloadable PDFs
- The AZ VA Loan Playbook — 30+ page comprehensive guide to using VA financing in Arizona. Covers eligibility, calculations, AZ-specific advantages (HB 2792, DPA), summer PCS tactics, VA appraisal, refinancing, and pitfalls.
- AZ Veteran Money-Saving Guide — quarterly-updated 20-page guide to AZ + federal veteran benefits, discounts, and tax breaks. Updated quarterly.
Calculators (8 total)
- BAH → Purchase Price — base + rank → max AZ home price with AZ summer utility reality
- Funding Fee Calculator — first use vs subsequent + disability waiver
- PITI Payment Calculator — full monthly with AZ county property tax + insurance + HOA
- Max $0-Down Purchase Calculator — income → max VA home price at 41% DTI guideline
- HB 2792 Tax Savings Calculator — disabled vet property tax exemption $ savings
- IRRRL Recoupment Calculator — 36-month VA rule pass/fail
- Disability Gross-Up Calculator — 25% boost to qualifying income
- Residual Income Calculator — VA's West region 2026 thresholds
- All calculators in one place
Core AZ VA loan guides
- Home — site index + base routing
- Eligibility — COE, service requirements, entitlement
- 2026 AZ Loan Limits — all 15 counties + jumbo
- HB 2792 Disabled Vet Property Tax — 2026 expansion deep dive
- Funding Fee + Waiver — 10%+ disability waiver
- IRRRL Streamline Refi
- First-Time VA Buyer
- Assumable VA Loans
AZ-specialist content (zero-national-coverage)
- AZ DPA + VA Stacker — Home Plus + Home In Five vet bonus + Pathway layering
- VA Construction Loans in AZ — single-close vs two-close + AZ builder list
- Snowbird to AZ Resident — occupancy + tax residency transition
- Tribal Lands + NADL — 22 AZ tribes + Native American Direct Loan
- Master-Planned Community VA Status — Estrella, Vistancia, Verrado, Eastmark, etc.
- Wildfire + Insurance Reality — Flagstaff, Sedona, Payson, Prescott
- Phoenix vs Tucson vs Prescott — AZ metro comparison
- Summer PCS Playbook — June-August buyer competition tactics
- AZ Retiring Veteran Guide — top-3 US retirement state for vets
- VA Loan Glossary — 75+ AZ-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- Luke AFB — 56th Fighter Wing, F-35A, Glendale
- Davis-Monthan AFB — 355th Wing, A-10, Tucson
- MCAS Yuma — MAWTS-1, MAG-13
- Fort Huachuca — Army Intelligence + Cyber, Sierra Vista
City guides
Veteran discounts
- Statewide AZ veteran discounts — state programs + federal benefits + national chains
- Phoenix metro discounts
- Tucson area discounts
- Sierra Vista + Fort Huachuca discounts
Free services
- AZ VA Credit Tune-Up — free credit coaching for vets planning to buy in 6-12 months
- 60-Second Eligibility Check — 3-step intake, no credit pull
Connect with Mike
- About Mike — credentials, NMLS, philosophy
- Contact — phone, email, contact form
- For Real Estate Agents — Realtor referral playbook
External resources worth knowing
- NMLS Consumer Access — verify Mike's license + Cornerstone's license
- VA Home Loan Benefits (VA.gov) — official VA loan documentation
- AZ Department of Veterans' Services — state vet programs
- AZ Industrial Development Authority — Home Plus DPA program
- Phoenix IDA Home In Five — Home In Five DPA + veteran bonus