Not Just for Today.
Your Realtor for Life.
Shean Howlett of A.Z. & Associates puts your interests above all, with 30 years of Greater Phoenix market knowledge. Jorge and the 92 Mortgage Team make the financing work in your favor, so you get one strategy, two specialists, and zero surprises from first call to closing day.
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One Agent. One Lender.
One Conversation.
Most homebuyers find a Realtor and a lender separately, then spend the entire process translating between them. Different timelines. Different terminology. Different ideas of what comes next.
That's where mistakes happen. Offers fall apart. Closings get delayed. Buyers lose homes they should have gotten.
When Shean and Jorge work together for you, every step is coordinated. You get one game plan, one calendar, and two specialists who already know how the other one operates.
Three Steps to the Keys
A clear, coordinated path from your first conversation to the day you move in.
Get Pre-Approved
Before you tour a single home, know exactly what you can afford and which loan programs you qualify for.
- Review credit, income, and down payment
- Identify assistance programs you qualify for
- Issue a strong pre-approval letter
- 24-72 hour turnaround
Find Your Home
Tour homes that match your budget, your timeline, and your must-haves. No wasted weekends on properties out of reach.
- Curated property search
- Private and on-market tours
- Local market intelligence
- Strategic offer positioning
Close On Time
From accepted offer to closing day, your agent and lender are in sync at every milestone. Zero surprises.
- Coordinated escrow timeline
- Inspection and appraisal management
- Clean closing disclosure review
- Keys in hand in 30-45 days
Two Specialists. One Outcome.
Shean Howlett
Shean Howlett brings authority you can trust to one of the biggest decisions of your life. A 2013 ASU graduate with a bachelor's in Bio-Med Engineering, he has lived across the Greater Phoenix area for over 30 years and keeps his fingers on the pulse of market trends, so he has already measured every variable you may encounter. With A.Z. & Associates, Shean puts your interests above all others and gets you exactly what you're looking for. He doesn't want to be a Realtor you never see again. He wants to be your Realtor for life.
Jorge Espinoza
Jorge built 92 Mortgage Team on one conviction: every family deserves someone who explains the mortgage process without pressure and without jargon. Conventional, FHA, VA, USDA, and Arizona down payment assistance programs, all on the table. Pre-approval letters issued in 24-72 hours.
What You Actually Need to Buy a Home
Forget the myths. Here's what really matters when it comes time to qualify.
Credit Score
Many programs allow scores as low as 580. We'll show you where you stand and how to strengthen fast.
Down Payment
Forget 20%. Conventional starts at 3%. VA and USDA can be 0%. Plus AZ assistance programs.
Income & Debt
Lenders look at debt-to-income ratio. We'll calculate yours and tell you exactly what to optimize.
The Right Home
Shean knows Greater Phoenix after more than 30 years here. We focus your search on homes that actually fit.
What Clients Are Saying
Shean is a great Realtor and person. I would recommend him to everyone. He is very patient with his clients and will try to help in any way he can. You won't regret using Shean as your Realtor.
I've been waiting for years to buy a house and thanks to Sean, we were able to purchase our very first home. He went above and beyond to help us and visit over 25-30 homes before we were happy. Very kind and understanding of what we wanted. I would definitely recommend him to my friends and family. Thanks again for everything!
Wow!!! Shean IS the Man!!!! Meeting Shean was like I'd known him forever! NO pressure at all while looking for my home! He went beyond expectations by educating me as a 1st homeowner and assisting me with ideas! I can ALWAYS count on Shean and his expertise in the business!
Pick a Time That Works for You.
Fifteen minutes. No pressure, no commitment, no sales pitch. Just a clear conversation about where you stand and what's possible.
This call gives you access to both Jorge for financing strategy and an intro to Shean with A.Z. & Associates for your home search, together, in one coordinated conversation.
- Review your mortgage scenario and pre-approval options
- Identify Arizona down payment assistance you qualify for
- Discuss your home search criteria and target neighborhoods
- Walk through your 30-90 day game plan
Answered Honestly.
The questions every first-time and move-up buyer asks, answered together.
No. This is the biggest myth in homebuying. FHA loans require 3.5%, conventional loans can go as low as 3%, and VA and USDA loans can require 0%. Down payment assistance programs are also accessible in Arizona, Jorge will walk you through every option you qualify for.
A mortgage pre-qualification uses a soft pull that doesn't impact your score. A full pre-approval involves a hard pull that temporarily lowers your score slightly. Multiple mortgage inquiries within 45 days count as one inquiry, so shopping around is safe.
Pre-approval can be issued within 24-72 hours if your documentation is prepared. Gathering documents or addressing credit or debt-to-income concerns may extend the timeline to 1-3 weeks. Jorge provides realistic timelines during your initial consultation.
Permanent residents, DACA recipients, and non-citizens with valid work authorization can qualify for most loan programs, including FHA. ITIN loan programs also exist for buyers without Social Security numbers.
You're not alone, and you're not disqualified. Most buyers have at least one area that needs work. Credit typically improves within 60-120 days with proper planning and strategy, Jorge will build the plan with you during your free consultation.
Let's Talk About Your Home.
Two specialists. One coordinated plan. Zero pressure. Book your free 15-minute strategy call and let's figure out the next move together.