Frequently Asked Questions

We offer a full range of loan options, including: Conventional, FHA, VA, USDA, Jumbo, Portfolio, ARM, Interest-Only, New Construction, Construction to Permanent Financing, Bank Statement Loans, DSCR Investor Loans, Non-QM Loans, Doctor/Physician Loans, Home Equity Loans, Home Equity Line of Credit (HELOC), Reverse Mortgage, and Commercial Real Estate Loans. We tailor each solution to fit your unique financial goals.

As a mortgage broker, we work on your behalf—not for a specific bank. That means we can shop multiple lenders to find the best rate and product for your needs, saving you time and money.

We are currently licensed in Arizona, California, and Florida. Our vision is to grow steadily — one state and one satisfied client at a time—follow us for updates.Arizona: 1-4 unit residential Primary homes, second homes, investment homes, commercial real estate loans.California: 1-4 unit residential Primary homes, second homes, investment homes, commercial real estate loans.Florida: 1-4 unit residential Primary homes, second homes, investment homes, commercial real estate loans.Kingdom Lending can originate DSCR (Debt Service Coverage Ratio) loans in the following states without requiring a state mortgage license for these commercial real estate business-purpose loans, subject to lender guidelines (business & investment only):AlabamaArkansasColoradoConnecticutDelawareFloridaHawaiiIndianaIowaKansas*KentuckyLouisiana*MaineMarylandMassachusettsMississippiMissouriMontanaNew MexicoOhioOklahomaRhode IslandSouth CarolinaTexasWashingtonWashington, D.C.West VirginiaWisconsinWyoming*Kansas and Louisiana have lender-specific compensation requirements that may apply.If your investment property is located in another state, contact us to discuss available financing options.

We can get started with any communication channel that works best for you. You can begin by scheduling a free consultation or submitting an online mortgage application directly through our website. We’ll take the time to understand your goals and recommend the right path forward. You can also call, text, or email us directly if you have any general questions before getting started. Phone (Call or Text): 602-730-1217Email: support@Kingdom-Lending.com

Kingdom principles—integrity, transparency, and service.At Kingdom Lending, you're not just a number—we deliver mortgage guidance rooted in integrity, personalization, and Kingdom values. Unlike banks or direct lenders that push their own limited products, we shop multiple lenders to secure the best deal for you—while walking with you every step of the way like a trusted advisor, not a salesperson.

A mortgage broker can compare multiple lenders, loan products, rates, and guidelines on your behalf, helping you save time while identifying competitive financing options through a single application process. While multiple mortgage inquiries made within a designated rate-shopping period are generally treated as a single inquiry by credit scoring models, working with a mortgage broker can simplify the process and reduce the need to complete separate applications with multiple lenders.

Kingdom Lending offers a wide range of financing solutions for real estate purchase, refinance, and home equity loan programs for primary, secondary, and investment properties, including:Conventional LoansFHA LoansVA LoansUSDA LoansJumbo LoansPortfolio LoansNon-QM LoansBank Statement LoansDSCR Investor LoansDoctor/Physician LoansNew ConstructionConstruction to Permanent FinancingCash-Out RefinancesRate-and-Term RefinancesFHA Streamline RefinancesVA Streamline Refinances (IRRRL)Home Equity LoansHELOCsReverse MortgagesCommercial Real Estate LoansSBA 7(a) LoansSBA 504 Loans

Kingdom Lending LLC (NMLS 2719016) is an independent mortgage brokerage based in Phoenix, serving buyers throughout the Valley — including Scottsdale, Mesa, Chandler, Gilbert, Tempe, Glendale and beyond. As a broker rather than a single bank, we compare programs across a wholesale lender network to match you with the loan that actually fits your situation. Book a free consultation to get started, or apply directly online.

Kingdom Lending works as an independent broker, not a single-bank lender, comparing programs across Conventional, FHA, VA, Jumbo, Non-QM, bank statement, and DSCR investor loans to match the one that actually fits your income type, credit history, and goals. This is especially useful if you're self-employed, have non-traditional income, or have been declined elsewhere. Read more about our approach, or book a consultation to get started.

Transparency starts with knowing exactly who you're working with — Kingdom Lending LLC is licensed under NMLS 2719016, and as a broker, we show you real offers from multiple lenders side by side instead of a single quoted number, so you can see the tradeoffs yourself. Read Naje Sayah's story to see the approach behind the process, or reach out with your questions directly.

Affordability comes down to more than the lender you pick — it's the loan program, your down payment, and whether you're using assistance options like Arizona's down payment assistance programs. As a broker, Kingdom Lending compares offers across multiple lenders so you can see where the actual savings are, rather than relying on one institution's rate.

Naje Sayah, President and Senior Lending Advisor at Kingdom Lending, has worked with Phoenix-area buyers and homeowners since 2012 across a wide range of financial situations, including self-employed borrowers and those who've been turned down elsewhere. Read more about his approach, or book a consultation to talk through your specific situation.

The right lender for you depends on your situation more than a national ranking — look at whether they compare multiple loan programs or only offer their own, how clearly they explain rate and fee tradeoffs, and whether they specialize in your borrower type. As an independent broker, Kingdom Lending compares wholesale lenders on your behalf rather than presenting a single option.