He makes lenders compete.
Greg prices your loan across many wholesale lenders. On a $400,000 loan, a 0.25% lower rate saves about $67 a month, roughly $24,000 over 30 years.
Arizona native · Gilbert-based
Your Arizona mortgage loan originator.
Text Greg directly, get lenders competing for your loan, and close without surprises. Purchase, refinance, and the construction and lot loans most loan officers won’t do.
Greg Milliron · NMLS #1862899
SpecialtyConstruction loans
Down payment helpUp to 4%
- NMLS #1862899
- Barrett Financial Group NMLS #181106
- Licensed in Arizona
- Arizona native, based in Gilbert
Today’s rate picture
30-year fixed7.18%
15-year fixed6.57%
30-year, one year ago6.22%
National averages from Freddie Mac’s weekly survey, week of Nov 5, 2026. Averages assume 20% down and excellent credit. Not a quote; your rate depends on your loan.
See today’s rates & strategiesRates are high. Here’s how Greg helps.
The national average isn’t your rate.
Rates are about a point higher than a year ago. That’s when the person structuring your loan matters most.
Seller-paid rate buydowns.
In today’s market, many sellers will pay to buy down your rate. A 2-1 buydown on $400,000 at 7.18% can cut your payment by about $518 a month in year one and $265 in year two.
Builder incentives, checked.
Arizona builders often offer rate incentives. Greg compares the builder’s offer with outside lenders so you know which one actually saves more.
A plan for when rates drop.
Greg keeps an eye on rates after you close and tells you when a refinance would actually pay off, so you’re not stuck if rates fall.
Options beyond the 30-year fixed.
Adjustable-rate loans, FHA, VA, and points-versus-credit tradeoffs can lower your starting payment. Greg shows the real numbers side by side.
What does a loan originator do?
Your guide from “can I afford this?” to the keys.
A loan originator is the person who builds your mortgage. Pick the right one and the whole purchase feels easy. Pick the wrong one and you find out at closing.
- Figures out what you can really affordNot just the max a computer approves, but a payment that fits your life, with your cash to close spelled out.
- Picks the right loanFHA, VA, conventional, jumbo, construction, assistance programs. The right fit can save thousands.
- Gets you the ratePrices your loan, explains points and fees, and locks your rate at the right time.
- Keeps the deal on trackWorks with your agent, the title company, the appraiser, and underwriting so you close on time.
Why Greg
Every loan originator says they’re different. Here’s what that means with Greg.
You text Greg. Not a call center.
Most big lenders hand you to a processor, then a 1-800 number. With Greg you have his cell from first question to closing day, and after.
He shops lenders for you.
A bank loan officer can only sell that bank's loans. Through Barrett Financial Group, Greg compares many wholesale lenders and brings you the best fit.
He does the loans others turn down.
Lot loans, one-time close construction, spec builds. Plenty of loan officers won't touch them. Greg specializes in them.
No surprises at the table.
You see every fee, line by line, before you sign anything. His clients mention it in their reviews.
| Big bank | Online lender | Greg Milliron | |
|---|---|---|---|
| Who you talk to | A rotating team or call center | Whoever picks up the chat | Greg, directly, by call or text |
| Lenders compared | One: the bank's own | One: their own | Many wholesale lenders |
| Lot & construction loans | Often not offered | Rarely offered | A specialty |
| Arizona know-how | Varies | National, one-size-fits-all | Local, Gilbert-based, AZ-licensed |
| Fee walkthrough | Sometimes | Read it yourself | Every line, before you sign |
Comparison reflects how bank and online lending typically works; individual lenders vary.
Loan programs
Arizona home loans, one point of contact.
Purchase, refinance, and construction financing for Phoenix, the East Valley, and everywhere else in Arizona.
Buy a home
Conventional purchase loans with a clear pre-approval you can hand to a seller and win with.
Learn moreRefinance & cash-out
Lower your rate, shorten your term, or tap equity for a remodel, a pool, or paying off debt.
Learn moreOne-time close construction
Lot, build, and permanent mortgage in a single closing, so you qualify once and pay closing costs once.
Learn moreLot & land loans
Lock up the lot in Queen Creek, San Tan Valley, or the West Valley now. Build when you're ready.
Learn moreSpec home builder loans
Short-term financing for builders and investors putting up spec homes across Arizona.
Learn moreFHA & VA
Lower down payment options and VA benefits for veterans and service members at Luke AFB and beyond.
Learn moreFirst-time buyer + down payment help
Pair your loan with Arizona's Home Plus assistance, up to 4% toward down payment and closing costs.
Learn moreJumbo
Financing above conforming limits for Scottsdale, Paradise Valley, and North Phoenix homes.
Learn moreVeterans: see VA loans in Arizona.
Construction lending
Build your Arizona home with one loan and one closing.
Most loan officers avoid construction. Greg specializes in it: lot loans, one-time close construction-to-permanent loans, and spec home financing for builders.
- LotFinance the land, or roll a lot you own into the loan.
- BuildYour builder is paid in inspected draws as work is completed.
- Move inThe loan converts to your permanent mortgage. No second closing.
First-time buyers
Arizona will help with your down payment. Greg helps you get it.
The statewide Home Plus program offers up to 4% of the purchase price toward down payment and closing costs, paired with a conventional, FHA, VA, or USDA loan.
Up to 4%of the purchase price toward down payment and closing costs
$155,386household income limit statewide (as of Apr 6, 2026)
60 monthsuntil the forgivable option is fully forgiven
Program details from the Arizona Industrial Development Authority’s Home Plus program as of April 2026. One borrower must complete a homebuyer education course. Terms and funding change; Greg confirms current eligibility. Read the full first-time buyer guide.
Payment calculator
What would your monthly payment be?
Adjust the numbers to see principal and interest plus Arizona property tax, insurance, and HOA. Prefilled with an example; change anything.
Areas served
Home loans across the Valley and all of Arizona
Greg is licensed statewide and works with buyers in every corner of Arizona. These are the communities he serves most.
How it works
From first call to keys in four steps.
Quick call
A 15-minute conversation about your goals, timeline, income, and budget. No hard credit pull to talk.
Pre-approval
Apply online, upload documents, and get a pre-approval letter your agent can use with confidence.
Shop & lock
Greg compares lenders and programs, then locks your rate when you're under contract.
Close
Clear-to-close, a final fee review, and the keys. Greg stays your contact after closing, too.
Client reviews
What Arizona borrowers say about Greg
“Process was fast and hassle free. Greg made buying our home far less stressful than we expected.”
“Competitive rate, quick closing, and a simple application. He was upfront about every fee and kept us informed the whole way.”
“He stayed on top of every document we needed for our refinance and second-home purchase, answered fast, and closed quickly.”
Meet Greg
Your neighbor in the mortgage business.
- Arizona native
- Die-hard Phoenix Suns fan
- Husband and father
- Loves traveling the world
Greg is an Arizona native. He grew up here, he’s raising his family here, and he’s a die-hard Phoenix Suns fan through every season, good or bad. He shops at the same stores, sits in the same traffic on the 202, and sweats through the same summers you do. When he helps you buy a home here, he’s helping a neighbor, and he treats it that way.
Greg Milliron is a mortgage loan originator based in Gilbert, working with Barrett Financial Group out of its Chandler office. He helps Arizona families buy their first home, move up, refinance, and build from the ground up.
He knows a mortgage can feel like a black box, so he explains every step before it happens. His approach is simple: understand your whole situation, explain your options in plain language, and get you to the closing table fast. Construction lending is a specialty, from lot loans to one-time close builds and spec homes, an area where many loan officers won't go.
- Personal NMLS
- #1862899
- Company
- Barrett Financial Group
- Licensed in
- Arizona
- Office
- Chandler, AZ
Guides
Know the numbers before you shop
Arizona mortgage loan limits for 20262026 Arizona loan limits: conforming $832,750, FHA $557,750 in Maricopa County with a $541,287 floor elsewhere, and no…Arizona closing costs, explained line by lineWhat Arizona home buyers pay at closing: lender fees, title and escrow, prepaid interest, and how Arizona's property…How to get pre-approved for a mortgage in ArizonaA step-by-step guide to mortgage pre-approval in Arizona: documents you need, how credit is checked, and how a strong…
Questions
Answers to what Arizona buyers ask most
How much do I need for a down payment in Arizona?
It depends on the loan. FHA starts at 3.5% down, many conventional loans allow 3% to 5%, and VA loans can require nothing down for eligible veterans. Arizona's Home Plus program can add up to 4% toward down payment and closing costs for qualifying buyers.
Will talking to you affect my credit score?
No. A conversation about your goals and budget doesn't require a credit pull. Greg only runs credit, with your permission, when you're ready for a formal pre-approval.
How does a one-time close construction loan work?
One loan covers the lot, the build, and your permanent mortgage. You qualify and close once, the builder is paid in draws as work is completed, and the loan converts to a standard mortgage when the home is finished.
What's the difference between a loan originator at a broker and one at a bank?
A bank loan officer can only offer that bank's products and pricing. As a broker loan originator with Barrett Financial Group, Greg can compare options from many wholesale lenders and match you with the best fit.
Who qualifies for Arizona Home Plus down payment assistance?
As of April 2026, household income must be at or below $155,386, and one borrower must complete a homebuyer education course. Program terms change, so Greg confirms current eligibility for your situation.
Get started
Tell Greg what you’re planning.
Share a few details and Greg will reach out, usually the same business day. Prefer to talk now? Call or text.
Call or text602-350-7007
Office2701 E Insight Way, Suite 150, Chandler, AZ 85286