Independent mortgage brokers stomp guts on "slow" and "hard to close" VA loans, bankers and direct lenders almost all really REALLY suck at them, **or** (& maybe even worse) are good at them operationally, but have the margins juiced up (we're talking 3x and 5x the normal standard profit margin for a conventional loan and for bankers and direct lenders this is lawful) such that they're taking advantage of our fellow veterans and have trash rates (for a VA loan).

Census Bureau and Bureau of Labor Statistics web sites.

I would agree Foremost is good but an Independent Agent can shop multiple carriers. 

So that's $1600 after-tax dollars disappearing out of your income every month, and if US general statistics on household hold true, that'll mean that your after-tax income level every month is somewhere around $3K.

For example, if it is an independent recruiter, they will hog most of your resources.

@Austin M Margarida I would recommend to get at least one quote from an independent mortgage broker.

After one year living in that one, you can purchase a nice duplex with one side being your private home, the other side being a rental, and eight apartments.At that point, you could probably be financially independent and no longer need to work or you could continue building your portfolio and creating long-term wealth.

I just checked for you and it seems like you would need to be an active licensed agent for 3 years in Arizona under a broker before you can operate as an independent broker yourself.

You should also get an independent title search if you are seriously interested.

Start with where you want to live and then independently where you want your investments to be.