Tempe Mortgage Broker for House Hacks & First Homes

From your first place near campus to a rental that pays for itself. 200+ wholesale lenders, one application. Based in Chandler, AZ. Licensed nationwide.

Call/text Sal directly: (516) 250-1334 — any day, any time. Or hit the button below to see what you qualify for.

 

 

 

 

 

Tempe's Superpower Is 70,000+ Sun Devils

ASU anchors one of the most reliable rental markets in the Southwest — and it creates buying strategies that don't exist in most cities. Live in a house and rent the spare rooms to cover most of your mortgage. Buy a condo for your student instead of paying a landlord. Hold a rental where the tenant pipeline refills every August, like clockwork.

House Hacking in Tempe

Buy with an owner-occupied loan — FHA at 3.5% down or conventional from 3-5% — live in one room, rent the others. Done right, your housemates pay most of your mortgage while you build equity. I'll structure the financing so it's clean and compliant. This is one of the best wealth-building moves available to a first-time buyer, and Tempe is one of the few places where it really pencils.

Parents of Sun Devils: Stop Paying Rent to a Landlord

Four years of dorm and rent money is gone forever. A condo near campus can turn those same dollars into equity — and there are loan structures designed exactly for parents buying near a student's school. When they graduate: sell, or keep it as a rental in a market that never runs out of tenants.

Every Loan We Do in Tempe

FHA and conventional for first homes and house hacks. Arizona down payment assistance. DSCR loans for rentals that qualify on their own rent. HELOCs and second mortgages. Bank statement and 1099 loans for the self-employed. One application, 200+ lenders — the full menu is under Services in the top navigation.

A Real Deal I Closed (After Two Bank Denials)

An investor came to me after getting declined twice trying to buy a rental in the East Valley. Credit was subpar. Liquidity was tight. Every lender saw the same file and passed.

Took me 3 submissions to find the right lender fit — but we closed. 15% down, qualified on the property's rent. That's the difference between a bank and a broker: a bank gets one shot at your file. I get 200+.

Tempe Mortgage Broker — Why Work With Me

I'm Sal Bossio, a mortgage broker with Barrett Financial Group (NMLS #1984347), based in Chandler and serving Tempe and all of metro Phoenix — and licensed nationwide, so out-of-state parents and referrals never bounce. My clients will tell you two things: I close fast (many files in 2-3 weeks), and I answer my phone — nights, weekends, whenever. 74 five-star Google reviews back that up.

If a bank already told you no, that's usually where I start.

Tempe Mortgage FAQs

What is house hacking, and is it legal?
Buying a home you live in and renting the spare rooms. Completely legal with owner-occupied financing as long as it's genuinely your primary residence — I'll set it up correctly.

Can rental income from housemates help me qualify?
In some programs, boarder income or future rent can count. Even when it can't, the loan is sized to your income — and the rent makes the payment painless.

We want to buy a condo for our student at ASU. How does that work?
Several structures exist, including options where the parents don't have to occupy the property. I'll compare rates and down payments across them.

Is a Tempe rental a good investment?
Student-driven demand is unusually stable. DSCR loans let the property's rent do the qualifying — run it on my free DSCR calculator, under DSCR Calc in the top menu.

What Clients Say About Working With Sal

"I had a unique DSCR loan and wasn't sure if I could get funding, but Sal was able to find a lender and get everything pushed through. I definitely would recommend working with Sal." — Tommy F., five-star Google review

"My business partner and I had no idea what it took to pursue an investor loan. Sal walked us through it step by step. He gave us a lot of confidence and we knew that we were in great hands." — Theresa C., five-star Google review

74 five-star Google reviews and counting — search "Sal Bossio Mortgage" on Google and read them all.

Ready to talk about your Tempe loan?

60 seconds, no credit pull — tap the button at the top of this page. Or skip the form and call or text me directly: (516) 250-1334, any day, any time.

Sal Bossio | Mortgage Broker | NMLS #1984347 | Barrett Financial Group, LLC | Chandler, AZ — serving Tempe, the East Valley, and buyers nationwide