Welcome to Frontier Financial! Here you will find the latest loan programs available for residential real estate purchases and refinances in Arizona for owner occupants and investors.  

When purchasing a home there are many home loan options that are available to you, not all are created equal and we want to help you find the one that will work best for you. Arizona Conventional Loans are the most typical types, and you’ll find our rates being some of the most competitive around. However there are many alternatives. Government guaranteed loans are some of those. The FHA loan can let you purchase a home for a low down payment of just 3.5% and looser financial requirements. If you’ve served or are serving in the military you could qualify for a VA loan which also lets you purchase a home for no money down, but there is no limitation on where you can purchase a home. Then there are jumbo loans for homes that are priced over $417,000. As you can see there are many home loan options, but we make it easy on you. Just use our online Purchase Assistant and we will get back to you with a custom rate quote to see which loan program would be best for you situation.
Additionally Traci Ranic speacializes in the Reverse Mortgage Loan which is another way for homeowners 62 and over to convert their home’s value into tax-free cash, without having to sell or move.


The Mission of Frontier Financial of Arizona is to become the mortgage lender of choice for Arizonans by developing responsible homeowners and residential real estate investors so they can make a positive economic impact on their community.

The Purpose: Make a meaningful difference in the lives of our customers at all stages of the home buying process through education.

The Business: Consumer advocacy, transparency and compliance with State and Federal regulations.

The Values: Commitment to excellence in customer service, preservation of home equity and community prosperity.