Helping Arizona homeowners purchase, refinance, build wealth, and access equity with confidence.
Start here
Pick the path that fits. Each one opens a short guided journey that ends with real numbers and a next step, not a phone tree.
Run the numbers
Move a slider and everything updates instantly, including taxes, insurance, and mortgage insurance.
Model your full monthly payment including taxes, insurance, and mortgage insurance, then watch the loan balance fall year by year.
Total monthly payment
$3,484
$52,500 down · $472,500 loan
Principal & interest
$2,871
$217 estimated monthly MI
Payment breakdown
Balance over time
Rate center
Compare products side by side and see what each one does to your monthly payment.
Payment comparison is principal and interest only at the sample rates shown.
| Product | Rate | APR | P&I |
|---|---|---|---|
| 30-Year Fixed | 6.125% | 6.284% | $2,734 |
| 20-Year Fixed | 5.990% | 6.151% | $3,221 |
| 15-Year Fixed | 5.375% | 5.562% | $3,647 |
| 10-Year Fixed | 5.250% | 5.489% | $4,828 |
| FHA 30-Year | 5.750% | 6.641% | $2,626 |
| VA 30-Year | 5.625% | 5.874% | $2,590 |
| Jumbo 30-Year | 6.250% | 6.362% | $2,771 |
| Cash-Out 30-Year | 6.500% | 6.671% | $2,844 |
Why Russell Capital
Independent, licensed, and accountable to you rather than to a single lender's rate sheet.
We live here. We know Maricopa County appraisals, HOA quirks, and which lenders actually perform on a 19-day close.
A focused team reviews your documents, answers questions, and keeps your next step clear from application through closing.
Multiple wholesale lending relationships let us compare eligible options instead of relying on a single lender's rate sheet.
One licensed advisor from first question to keys. No call center, no reassignment mid-file.
You see the same numbers we see. Every fee, credit, and lock expiration is explained before you sign.
Upload from your phone, e-sign disclosures, and watch milestones update live in your borrower portal.
01
A 15-minute call establishes goals, timeline, and the right program.
Step 102
Securely share the information needed for a complete review and clear next steps.
Step 203
A verified pre-approval letter that listing agents take seriously.
Step 304
We time the lock, clear conditions, and get you to the signing table.
Step 4Trusted lending partners
One conversation with Russell Capital Mortgage opens a broader wholesale marketplace, helping Arizona borrowers compare programs built for different goals, properties, and financial profiles.
Access agency, government, home-equity, jumbo, and specialty financing through one brokerage.
We evaluate eligible options around your complete scenario—not a one-size-fits-all rate sheet.
Investor, DSCR, bank statement, and other programs can serve needs traditional lending may not.
American Heritage Lending offers wholesale non-QM and investor-focused mortgage options. Its program mix can help qualified Arizona borrowers whose income, assets, property strategy, or documentation does not fit a standard agency loan.
Freedom Mortgage Wholesale provides conventional and government-backed mortgage programs through independent mortgage brokers. Its published wholesale menu includes options for first-time buyers, veterans, eligible rural properties, refinances, and qualified jumbo borrowers.
HomeBridge Wholesale publishes conventional, FHA, non-QM, DSCR, and standalone digital HELOC options for approved mortgage brokers. That range can support Arizona buyers, homeowners, self-employed borrowers, and property investors with different documentation needs.
Newrez Wholesale offers a broad menu spanning conventional, government, non-QM, jumbo, investor, and closed-end second mortgage solutions through approved brokers. The range can support both straightforward and complex Arizona borrowing scenarios.
Spring EQ Wholesale specializes in home-equity financing. Its published wholesale products include HELOCs, fixed home-equity loans, piggyback structures, and select investor-focused equity solutions.
United Wholesale Mortgage is a wholesale-only lender serving borrowers through independent mortgage brokers. Its published product menu spans conventional, government, jumbo, home-equity, bank statement, investor, and specialized mortgage programs.
Lender and program availability depends on borrower qualifications, property details, current guidelines, and Arizona availability. Lender names and marks belong to their respective owners and do not imply an exclusive relationship or endorsement.
A better brokerage model
Russell Capital Mortgage combines wholesale lender access with a local team accountable to Arizona borrowers.
A brokerage dedicated to financing homes and investment properties within Arizona.
We compare eligible programs from established wholesale lending partners.
A real mortgage team helps you understand costs, conditions, and tradeoffs.
Ready to see your numbers?
Explore an educational estimate before speaking with an advisor.
Calculate My SavingsLearning center
Short, practical guides written by licensed Arizona advisors.
Exactly what to gather before you tour your first home, and why each item matters.
6 min readRefinancingBreak-even math in plain English, plus the three traps that erase your savings.
7 min readVAFirst use vs. subsequent use, exemptions, and how down payment changes the fee.
5 min readAreas we serve
Licensed in Arizona only, based in Mesa, and working across the East Valley and greater Phoenix.
Answers
Search it, skim it, or call us and we'll answer it in plain English.
Start your application online at your own pace, or talk to a licensed advisor first. Either way, your next step stays clear.
