Buy a home
Conventional purchase loans with a clear pre-approval you can hand to a seller and win with.
Gilbert · Phoenix · East Valley
Buy, build, or refinance anywhere in Arizona.
Greg Milliron shops your loan across a broker network, explains every fee, and keeps you moving to the closing table.
Greg Milliron · NMLS #1862899
SpecialtyConstruction loans
Down payment helpUp to 4%
- NMLS #1862899
- Barrett Financial Group NMLS #181106
- Licensed in Arizona
- Based in Gilbert, AZ
Loan programs
Every kind of Arizona home loan, one point of contact.
Purchase, refinance, and construction financing for Phoenix, the East Valley, and everywhere else in Arizona.
Refinance & cash-out
Lower your rate, shorten your term, or tap equity for a remodel, a pool, or paying off debt.
One-time close construction
Lot, build, and permanent mortgage in a single closing, so you qualify once and pay closing costs once.
Lot & land loans
Lock up the lot in Queen Creek, San Tan Valley, or the West Valley now. Build when you're ready.
Spec home builder loans
Short-term financing for builders and investors putting up spec homes across Arizona.
FHA & VA
Lower down payment options and VA benefits for veterans and service members at Luke AFB and beyond.
First-time buyer + down payment help
Pair your loan with Arizona's Home Plus assistance, up to 4% toward down payment and closing costs.
Jumbo
Financing above conforming limits for Scottsdale, Paradise Valley, and North Phoenix homes.
Why Greg
What you can expect working with Greg
Today’s borrowers say the same things matter most: real guidance early, clear fees, and a fast process with a person who answers.
Advice before you shop
Talk with Greg before you tour a single house. You'll know your real budget, your cash to close, and which loan fits, so there are no surprises in escrow.
Every fee, explained
You get a line-by-line walkthrough of your Loan Estimate: rate, points, lender fees, title, and prepaids. No mystery charges at the table.
Fast, digital, still personal
Apply online in minutes, upload documents from your phone, and get updates by text. When you need a person, you call Greg directly.
A broker's reach
Through Barrett Financial Group, Greg shops your loan across a network of wholesale lenders instead of offering one bank's menu.
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.
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.
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
Local, direct, and easy to reach.
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.
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
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
Email[email protected]
Office2701 E Insight Way, Suite 150, Chandler, AZ 85286