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Real Customer Experiences

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Current

Arizona

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate7.75%

1W Change 0.00%

APR8.52%

1W Change 0.00%

Refinance - 30 Year Fixed

Rate5.45%

1W Change 0.00%

APR6.19%

1W Change 0.00%
Last Updated: 10/18/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate7.49%

1W Change 0.14%

APR7.49%

1W Change 0.14%

Refinance - 30 Year Fixed

Rate7.51%

1W Change 0.17%

APR7.52%

1W Change 0.16%
Last Updated: 10/18/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.85%

1W Change 0.12%

APR7.20%

1W Change 0.12%

Refinance - 30 Year Fixed

Rate6.84%

1W Change 0.07%

APR7.19%

1W Change 0.07%
Last Updated: 10/18/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with David Krushinsky to receive a personalized rate for your specific situation.

  • Just closed another deal with DK Home Loans and the Krushinsky Team! Tough deal with lots of negotiation and other issues but DK team made their part easy! Responsive, professional, and just great to deal with the whole way through. Thx again DK team! Noel Pulanco - February 9, 2020
  • Awesome Company! We were very pleased with the high level of professionalism and knowledge throughout the entire loan process! John P Francis - January 25, 2020
  • I bought my first house at the age of 26 and was very impressed with the professional atmosphere DK home loans representatives gave me. The communication and continual questions I had made my home owership a smooth and very informative process. Thanks again Armand Hernandez - January 16, 2020
  • David Krushinsky is hands down the best at what he does, and truly epitomizes customer service, something that is really hard to find today! David and his team are true professionals that provided exemplar advice and communications, he is also extremely responsive throughout the entire mortgage process! We really could not have done this without… Gary Pelleran - December 21, 2019
  • I would recommend David and his team for purchasing a new home or refinancing I have refinance with David twice he is very knowledgeable and trustworthy man if you have any questions he will answer them right away I couldn't ask for a better person to make the refinance experience pleasurable. He is a true… Debbie A. - September 27, 2019
  • Thanks David your the best!!! Hope to work with you again , if anybody is looking to buy a home I’ll send them your way 👍 Joel martinez jr - September 26, 2019

More ❤ from Zillow

5.00 Rating ∙ 12 Reviews on Zillow

✓ VERIFIED

One of the best home loan lenders

David and his team have helped me and my clients to get home loans. As a realtor I have worked with many home loan lenders and David and the Krushinsky team are one of the best. They have excellent communication and flexibility. The last time I had to move they were able to get me qualified for more money and with less paperwork than the other lenders I talked to. I recommend them to all my family, friends, and clients.

[Read more]
Adam J Evans 12/16/2021
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

Trustworthy and Professional

The Krushinsky Team and DK Home Loans take the time to provide service and to educate you in the process. They are forthright, trustworthy, and professional. I know I'm getting the best when working with DK Home Loans and the team. They have financed or helped us refinance more times than I can count. We've even referred three family members to them. They do right by you.

[Read more]
zuser201709121211385 11/12/2021
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

David Krushinsky

I was very impressed with David Krushinsky professionalism he’s a good listener and was able to guide me through the loan process. And I would recommend him to anyone because he knows how to get the job done ..

[Read more]
hlydia100 11/02/2021
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

great attitude, very responsive...

great attitude, very responsive... I did not hesitate to contact David after originally working with him several years ago, I would recommend his team to any and all of my friends and family as professionalism and trustworthiness are not easily found these days.

[Read more]
Robert Whitaker 07/07/2021
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

#1

Very respectful and answered all the questions I had. I would recommend using DK Homeloans! Down to earth people and easy to work with! We got to close early, and David Krushinsky got right to work and got it done! David and his team work hard and diligent to get the loan done. Thank you all, for all the hard work! Thank you for helping us go through the process of buying our 1st home!

[Read more]
david herrera7 05/17/2021
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

Great experience

David, DK Home Loans took me thru the loan process without a hitch. Everything went smoothly even though I had some hurdles to overcome in the process. I recommend DK Home Loans to everyone I know. Thanks To David and his team!!!

[Read more]
Brady bratcher 02/05/2021
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

Amazing to work with

If you need a quality loan officer and are self employed or just ready for the next step, David is your guy. He made our loan process so easy that I never once got frustrated or overwhelmed. Thank you David for all your hard work!!

[Read more]
zuser201610251413065 11/17/2020
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

Awesome

They were always there to answer any questions that came up and to walk us through the whole process. Our loan closed earlier than expected and with no hiccup's.

[Read more]
The Kothe Team 10/27/2020
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

Swift and Stress Free

I’ve worked with David and his team several times; that’s why when decided to re-fi we sought David out. Our re-fi was so quick and simple that we wrapped it all up in a matter of weeks. I’ve bought and sold many of homes and David and his team were spot on with the estimated quotes, we clicked “sign here” and before we knew it we were done. I would definitely recommend their team! Thank you for helping us save over $400 a month on our mortgage.

[Read more]
Susanne Grogan 07/27/2020
Mortgage services provided by David Krushinsky - Phoenix Arizona
✓ VERIFIED

Responsive,informative, professional

We were highly impressed with David and the team at DK Home Loans! From our first conversation, we appreciated how informative he was of the process especially since we were first time homebuyers. David was always professional and responsive whenever we reached out to him with questions. He made the process go smoothly which took away some of the stress that goes along with buying a home . Thank you,David !!!!

[Read more]
kirstenr76 07/17/2020
Mortgage services provided by David Krushinsky - Phoenix Arizona

Popular Phoenix Home Loans Which loan is right for YOU?

First Time Homebuyers Phoenix

FHA Home Loans Phoenix Arizona

FHA home loans are popular among Phoenix first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Phoenix

Conventional Home Loans Phoenix Arizona

A conventional(fixed-rate mortgage) is a popular type of home financing in Phoenix because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Phoenix

Jumbo Home Loans Phoenix Arizona

A jumbo home loan is a mortgage used to finance Phoenix properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes, insurance and HOA
$

1%

0%

$
$

$1421

Monthly payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Monthly PMI $0

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly FHA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Up-front MIP (1.75%) $0

Monthly mortgage insurance $0

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$
$

0%

4.5%

Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly VA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Purchase price $1421

VA funding fee $1421

Amount financed $1421

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Phoenix? Now may be the right time to start saving money every month!

$
%
months
$
% Freddie Mac 30-year fixed average, week of 10-15-2026
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime savings $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
% Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes and insurance
$
$

You can afford up to

$

Monthly payment $

Principal and interest $

Tax $

Insurance $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

With rates historically high, see what buying down your mortgage rate could look like for your payment, whether that's a temporary or permanent buydown.

$
% Freddie Mac 30-year fixed average, week of 10-15-2026
%

Year 1 payment

$0/month

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Free Home Report

Get a property valuation, rent estimates, price history and market insights instantly!

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If you own a home and need cash for a remodel, a tuition bill, or high-interest debt, you have three main ways to borrow against your equity: a home equity line of credit (HELOC), a fixed-rate home equity loan, or a cash-out refinance. This fall, the choice between them matters more than usual, because the…

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For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…

Read Post
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David Krushinsky

14100 N 83rd Ave B-230
Peoria, Arizona 85381
(602) 695-7575
NMLS# 202115
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