For Arizona Real Estate Agents

Refer a high-end buyer. We close the jumbo files others can't.

Above the $832,750 Arizona conforming limit, your luxury and self-employed buyers need jumbo. We do full-doc, self-employed, asset-based, and physician jumbo. Send them our way. You stay the agent, and we keep you in the loop.

By Mike Certo, NMLS #260555 — Updated June 2026

How the referral works

1. 1

   You send the buyer

   Use the form below or call Mike. We just need your buyer's name and number, plus the price range or income type if you know it.

2. 2

   We match the right jumbo program

   Same-day outreach. We figure out the fit — full-doc, bank statement, asset-based, physician, or super jumbo — and run the numbers honestly.

3. 3

   You stay in the loop

   You stay the agent. We send a pre-approval your buyer can write offers with and keep you posted at each step. No cost, no obligation.

Questions agents ask

How do I refer a jumbo buyer?

Use the form on this page or call Mike Certo at (480) 296-6513. Send your name and your buyer's name and phone number. We reach out the same business day, match them to the right jumbo program, and keep you updated through closing.

What loan amounts do you go up to?

Jumbo starts above the $832,750 Arizona conforming limit. Full-doc and alt-doc programs go to about $3 million, and super jumbo reaches $5 million and beyond on a case-by-case basis. The exact amount depends on the program, credit, and reserves.

Can self-employed buyers qualify without tax returns?

Yes. Self-employed buyers can qualify on 12 to 24 months of bank statements, a profit-and-loss statement, or assets instead of tax returns. Bank-statement income uses standard expense factors, and every file is subject to full credit, asset, property, and ability-to-repay review.

What does it cost me to refer?

Nothing. Referring a buyer is free and there is no obligation. We will tell you honestly which program fits, or whether jumbo is even the right call for your buyer.