I work in Tucson and only refer one lender to all my clients, and of course there is nothing in it for me. I recommend working with a local company called Nova Home Loans, Paul Volpe Vice Pres (520) 241-4048. He provides excellent responsive service to all past clients, all have been satisfied. I suggest calling him, have a conversation and he will answer all your questions. The good news is it is a free conversation so you can see where you are at, what you are pre-approved for, or what if anything you need to "work on".
Best of luck.