Lanternβ€ΊGreater Phoenixβ€ΊProfessional Servicesβ€ΊMortgage Brokers

    Best Mortgage Brokers in Greater Phoenix

    Areas served: Gilbert, Mesa, Scottsdale, Chandler, Phoenix

    50 local businessesRanked by Lantern Score β€” a measure of reputation and business quality. We don't accept payment for placement.
    Updated April 19, 2026

    Mortgage brokers across Greater Phoenix help buyers and refinancers navigate the region's competitive real estate market, offering access to multiple loan programs and competitive rates. Local brokers understand the Phoenix metro's diverse neighborhoods and property values from Chandler to Scottsdale.

    Show businesses best for:
    86
    Lantern
    Score
    Chandler, AZ
    Serves Chandler, Arizona and 49 states nationwide
    β˜…β˜…β˜…β˜…β˜…5.0(3701 Google reviews)

    Geneva Financial is a mortgage lender operating in 49 states with a dedicated team of experienced loan officers who work with you one-on-one throughout your entire transaction. They offer Conventional, FHA, VA, USDA, Jumbo, Reverse, and Condo financing, plus Down Payment Assistance Programs and First-Time Homebuyer Programs. Their "Human Powered Mortgage" philosophy prioritizes personalized service over automation, with loan officers available nights, weekends, and early mornings to fit your schedule.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Veterans (VA loans), Borrowers seeking refinancing, Self-employed/physicians needing specialized programs, Anyone preferring personalized service over automated lending
    What sets them apart
    • You work with one licensed Mortgage Loan Officer throughout your entire transaction, ensuring consistency and personal relationships rather than being passed between multiple departments.
    • Loan officers are available nights, weekends, and early mornings to accommodate your schedule, with communication options via phone, email, or online platforms.
    • Offers 8+ loan types including VA loans (with federal guarantee), down payment assistance as low as 3-4%, and programs for credit scores as low as 620.
    Mortgage LenderVA LoansFirst-Time BuyersRefinancingHuman Service
    Phone(888) 889-0009
    Geneva Financial Home Loans
    Updated 5/1/26Learn More β†’
    86
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and nationwide
    β˜…β˜…β˜…β˜…β˜…5.0(1776 Google reviews)

    Agave Home Loans is a Phoenix-based mortgage lender and broker offering conventional, VA, FHA, jumbo, and home equity loans for purchase, refinance, cash-out, and HELOC needs. As both a direct lender and broker, they shop multiple lenders to deliver competitive rates and flexible options while maintaining a streamlined online process with dedicated loan officers. They've closed over $1 billion in mortgage volume for 5,000+ homeowners and specialize in making complex financing simple through transparent guidance and fast approvals.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Veterans and active-duty service members, Homeowners seeking refinancing or cash-out options, Borrowers with lower credit seeking flexible programs
    What sets them apart
    • Agave funds loans directly and shops multiple top lenders simultaneously, giving clients access to more competitive rates and program options than traditional banks while maintaining faster closings and lower costs.
    • Over $1 billion in funded mortgage loans closed in the past five years with 5,000+ homeowners, backed by experienced local loan officers who guide clients through every step with transparency and accountability.
    • Offers low-credit refinance options, VA IRRRL streamline programs, FHA loans with relaxed credit standards, home equity lines of credit, and manufactured home financingβ€”enabling solutions for first-time buyers, veterans, and complex financial situations.
    Mortgage BrokerVA LoansRefinancingHome EquityFast Closings
    Phone(833) 316-3170
    Agave Home Loans
    Updated 5/1/26Learn More β†’
    86
    Lantern
    Score
    Mesa, AZ
    Serves Arizona and Utah, including greater Phoenix metro area and surrounding communities
    β˜…β˜…β˜…β˜…β˜…5.0(955 Google reviews)

    Sun American Mortgage Company has been helping Arizona and Utah homebuyers since 1984, specializing in affordable home loans, refinancing, and fast closings. They offer competitive rates, flexible financing options including no-down-payment programs, and a streamlined process designed to make home buying stress-free. With 40+ years of experience and a reputation for quick turnarounds and transparent communication, they serve first-time buyers, repeat clients, and those looking to refinance.

    Best for: First-Time HomebuyersRefinancing
    Ideal clients: First-time homebuyers, refinancers, buyers with limited down payment savings, homebuyers seeking fast closings
    What sets them apart
    • Operating since 1984, Sun American has built trust and expertise in home financing across Arizona and Utah, offering consistency and reliability for homebuyers and refinancers.
    • Known for some of the fastest closing times in the industry, they streamline the mortgage process to get you into your home quickly without sacrificing quality.
    • They offer no-down-payment and low-down-payment home loans, making homeownership accessible to buyers who may not have large savings ready.
    Mortgage LendersHome LoansRefinancingFast ClosingsAffordable Rates
    Phone(480) 418-9323
    Sun American Mortgage Company
    Updated 5/1/26Learn More β†’
    86
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix and surrounding Arizona communities, with licensed operations in AZ, CA, CO, FL, GA, ID, IN, MI, OR, PA, TN, TX, VA, WA
    β˜…β˜…β˜…β˜…β˜…5.0(462 Google reviews)

    ClickStart Mortgage is a Phoenix-based mortgage lender offering access to wholesale rates from major retail lenders, helping clients save thousands compared to traditional lending. Beyond mortgages, they provide an integrated homeownership ecosystem including ClickStart Homes for home search with realtor matching, and ClickStart Solar for energy-efficient solar installation. The company streamlines the entire process with fast quotes, diverse loan options, and expert guidance tailored to each client's financial situation.

    Best for: First-Time HomebuyersRefinancingCompetitive Rates
    Ideal clients: Home buyers and refinancers seeking competitive rates, first-time homebuyers wanting expert guidance, buyers interested in solar and energy efficiency, homeowners looking for integrated financial services
    What sets them apart
    • Clients gain access to the wholesale side of large retail lenders, bypassing traditional retail markups and saving thousands on mortgage rates and terms.
    • All-in-one platform combining mortgages, home search with AI-matched agents, solar installation, and market insights in a single service hub.
    • No-obligation free mortgage quotes with no hard credit check required, streamlined application and approval designed to save time and effort.
    Wholesale RatesHome SearchSolar SolutionsFast QuotesOne-Stop Shop
    Phone(800) 701-7908
    ClickStart Mortgage
    Updated 5/1/26Learn More β†’
    86
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Phoenix metro area, and Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(385 Google reviews)

    Federal First Lending LLC is a mortgage brokerage firm in Scottsdale specializing in personalized home financing solutions for homebuyers and refinancing clients. They offer an extensive range of loan programs including FHA, VA, USDA, jumbo loans, construction financing, investment property loans, and specialized programs like bank statement loans and DSCR loans. With experienced mortgage brokers committed to customer success, they provide tailored financing strategies to help clients purchase, refinance, or invest in properties at competitive rates.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan eligible veterans, self-employed borrowers, investment property buyers, refinancing clients
    What sets them apart
    • Offers 20+ specialized loan programs including VA, FHA, USDA, jumbo, construction, investment property, bank statement, and DSCR loans β€” far broader than typical lenders.
    • Dedicated VA loan expertise with $0 down options for eligible veterans and active military, including VA refinancing programs.
    • Provides free consultations and personalized financing strategies based on individual financial goals and circumstances, with emphasis on accessible communication.
    Mortgage BrokerVA LoansFHA LoansHome RefinancingFirst-Time Buyers
    Phone(855) 517-3388
    Federal First Lending
    Updated 5/1/26Learn More β†’
    86
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix and surrounding areas, Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(371 Google reviews)

    Liane Locy is a loan officer with Fairway Independent Mortgage Corporation, specializing in home purchase, refinance, and construction financing for Arizona residents. She offers a comprehensive range of mortgage products including conventional, FHA, VA, USDA, jumbo, and adjustable-rate loans, as well as renovation and reverse mortgage options. Liane guides clients through the entire loan process from application to closing, helping borrowers find the right loan terms and rates for their specific financial situation.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, existing homeowners refinancing, VA and FHA loan applicants, buyers seeking jumbo mortgages
    What sets them apart
    • Offers conventional, FHA, VA, USDA, jumbo, construction, renovation, and reverse mortgage options to meet diverse borrowing needs.
    • Provides support throughout the entire loan process from initial application through closing and beyond, with access to mortgage calculators and pre-qualification tools.
    • Part of Fairway Independent Mortgage Corporation with access to multiple lending options and partnerships for competitive rates.
    Mortgage LendingHome LoansRefinancingVA LoansFHA Loans
    Liane Locy | Fairway Independent Mortgage Corporation Loan Officer
    Updated 5/1/26Learn More β†’
    86
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and surrounding communities
    β˜…β˜…β˜…β˜…β˜…5.0(360 Google reviews)

    Home1st Financial Inc is a Phoenix-based mortgage broker specializing in home purchase loans and refinancing. Led by experienced mortgage advisors including Miguel and Rodrigo, the company helps first-time buyers and existing homeowners navigate loan options with a focus on fast approval and competitive rates. They offer free pre-approval letters, rate comparison tools, cash-out refinances, and property evaluations, with many clients closing in as little as 30 days.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, Homeowners seeking refinancing, Borrowers wanting to compare rates before committing, Buyers in competitive markets needing fast closings
    What sets them apart
    • Home1st Financial offers expedited loan processing with many clients closing in 30 days or less, helping buyers secure homes quickly in competitive markets.
    • Clients can shop and compare mortgage rates before committing, ensuring they get the best terms rather than accepting the first offer.
    • The team provides one-on-one guidance through the entire buying or refinancing process with transparent upfront costs and professional communication.
    Mortgage BrokerHome Purchase LoansRefinancingFast ApprovalRate Comparison
    Phone(800) 544-7231
    Home1st Financial Inc
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix and surrounding Arizona areas; licensed in Arizona, California, Oregon, and Colorado
    β˜…β˜…β˜…β˜…β˜…5.0(317 Google reviews)

    Road to Home Mortgage is an independent mortgage brokerage in Phoenix, Arizona, licensed in AZ, CA, OR, and CO. Founded on deep Arizona market knowledge, they specialize in home purchases, refinances, and VA loans, working with multiple lenders to secure faster, cheaper loan approvals. Their teamβ€”including loan officers like Evan White and Leeβ€”prioritizes educating clients and simplifying what many find to be a confusing process.

    Best for: VeteransCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan borrowers, homeowners refinancing or doing cash-out, Arizona residents seeking local expertise
    What sets them apart
    • Not tied to a single lender; work with multiple lenders so borrowers get competitive rates and faster approvals. Lenders compete for their business.
    • Team has lived in Arizona for decades with deep knowledge of the local residential mortgage market and Arizona's evolving real estate landscape.
    • Focused on making the mortgage process transparent and easy to understand, treating clients like friends throughout the journey.
    Mortgage BrokerVA LoansHome PurchaseRefinancePhoenix-Based
    Phone(602) 888-7990
    Road to Home Mortgage, LLC
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Tempe, AZ
    Serves Tempe, Arizona and surrounding areas
    β˜…β˜…β˜…β˜…β˜…5.0(315 Google reviews)

    1st Rate Home Mortgage, Inc. is a residential mortgage lender based in Tempe offering home purchase loans, refinancing, and cash-out options with fast pre-approval processes. Led by experienced loan officers, the company specializes in making mortgage lending straightforward and customer-focused, with licensed specialists available to guide borrowers through every step of the process.

    Best for: VeteransRefinancing
    Ideal clients: First-time home buyers, homeowners refinancing, VA loan borrowers, cash-out refinance applicants
    What sets them apart
    • Get pre-approved within minutes online, allowing you to move quickly when you find the right home.
    • Licensed loan officers personally guide you through the entire process and are available to answer questions at every stage.
    • Offers purchase loans, refinancing, cash-out options, and VA refinancing to serve diverse borrower needs.
    Mortgage LenderHome PurchaseRefinancingFast Pre-ApprovalVA Loans
    Phone(480) 776-2555
    Website1rhm.com
    1st Rate Home Mortgage, Inc
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Mesa, AZ
    Serves Mesa, Arizona and surrounding communities
    β˜…β˜…β˜…β˜…β˜…5.0(288 Google reviews)

    Fairway Independent Mortgage Corporation is a mortgage lender serving Mesa and surrounding Arizona communities with a wide range of loan products including conventional, FHA, VA, and jumbo loans. Led by experienced mortgage professionals, Fairway offers personalized service, competitive rates, and fast pre-approval processes to help homebuyers and refinancers achieve their financial goals. With access to multiple lending programs and a commitment to transparent, customer-focused lending, they serve first-time buyers, experienced homeowners, and those looking to refinance.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military veterans seeking VA loans, homeowners refinancing existing mortgages, buyers needing FHA or jumbo loan options
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to meet diverse borrower needs and financial situations.
    • Streamlined underwriting and quick approval timelines help buyers move forward confidently in competitive markets.
    • As an independent mortgage corporation, Fairway can access multiple lenders and loan products to find the best fit for each customer.
    Mortgage LendingHome LoansFast Pre-ApprovalVA LoansFHA Loans
    Fairway Independent Mortgage Corporation
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Gilbert, AZ
    Serves Gilbert, Arizona and surrounding Phoenix metropolitan areas
    β˜…β˜…β˜…β˜…β˜…5.0(271 Google reviews)

    Ryan Gilliam leads Your Best Mortgage, a local Gilbert-based mortgage brokerage with 50 years of combined team experience. They specialize in helping homebuyers and refinancers navigate the mortgage process by connecting clients with top lenders to secure the best rates and terms. The team handles pre-approvals, rate negotiations, and full closing support with a hands-on approach designed to simplify what can be a complex transaction.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, refinance shoppers, buyers seeking personalized service, clients wanting rate negotiation
    What sets them apart
    • 50 years of combined expertise with a hands-on approach; Ryan and his team personally guide clients through each step rather than relying on automated processes.
    • Ryan actively renegotiates rates to get clients the best deal possible, going beyond simply matching with lenders.
    • They search top lenders to match clients with the best options for their unique situation, rather than being limited to one lender.
    Mortgage BrokerHome LoansRefinancingPre-ApprovalLocal Lender
    Phone(480) 635-3035
    Ryan Gilliam at Your Best Mortgage NMLS #332576
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Arizona, California, Colorado, Florida, Nevada, New Mexico, Oregon, Texas, Washington
    β˜…β˜…β˜…β˜…β˜…5.0(220 Google reviews)

    The Mike Engelking Mortgage Team at NOVA Home Loans specializes in helping borrowers across nine states (AZ, CA, CO, FL, NV, NM, OR, TX, WA) find the right mortgage solution for their situation. Mike Engelking, a VP/Branch Manager and top 1% mortgage originator, leads a team that offers FHA loans, VA loans, conventional loans, jumbo loans, refinancing, down payment assistance, and home renovation loans. Known for exceptional customer service and relationship-focused approach, the team works with first-time buyers, move-up homeowners, and investors to craft personalized loan solutions.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time home buyers, Veterans (VA loans), Move-up homeowners, Real estate investors, Borrowers seeking refinancing or rate improvements
    What sets them apart
    • Mike Engelking ranks in the top 1% of mortgage originators nationwide as recognized by Mortgage Executive Magazine (2022, 2023) and maintains a 100% referral-based business model.
    • Licensed to originate loans across nine states (AZ, CA, CO, FL, NV, NM, OR, TX, WA), providing flexibility for clients relocating or investing out of state.
    • Offers diverse financing options including FHA, VA, conventional, jumbo, down payment assistance, and home renovation loans to fit various buyer profiles and financial situations.
    Mortgage LoansFirst-Time BuyersVA & FHA LoansRefinancingJumbo Loans
    Phone(480) 500-3070
    The Mike Engelking Mortgage Team - NOVA Home Loans
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Tempe, AZ
    Serves Tempe, Arizona and surrounding Phoenix metropolitan area
    β˜…β˜…β˜…β˜…β˜…5.0(214 Google reviews)

    Brendan Bracken is a Licensed Loan Officer (NMLS #247272) based in Tempe, Arizona, specializing in mortgage lending and loan origination. With extensive experience helping borrowers navigate financing options, Brendan provides personalized guidance for home purchases, refinances, and various loan programs. His team focuses on making the mortgage process transparent and accessible for clients throughout the Phoenix area.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, refinancing borrowers, buyers needing fast pre-approval, homeowners exploring financing options
    What sets them apart
    • Brendan is a Licensed Loan Officer with NMLS certification (#247272), ensuring compliance with federal lending standards and consumer protections.
    • Works directly with borrowers to understand their financial situation and match them with appropriate loan programs and terms.
    Mortgage LoansLoan OfficerHome FinancingRefinancing
    Phone(619) 269-9871
    Brendan Bracken, Licensed Loan Officer, NMLS #247272
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Arizona and surrounding Phoenix metro areas
    β˜…β˜…β˜…β˜…β˜…5.0(207 Google reviews)

    The Gale Team at NOVA Home Loans is a top-tier mortgage origination team based in Scottsdale, Arizona, specializing in providing comprehensive mortgage solutions for homebuyers and refinancing clients. Led by loan officers recognized in the top 1% of mortgage originators, the team emphasizes personalized communication and innovative financing options tailored to each client's unique situation. They offer pre-qualification services, detailed loan guidance, and access to various mortgage products designed to help clients achieve their homeownership goals in today's competitive market.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, Existing homeowners seeking refinancing, Borrowers wanting personalized mortgage guidance
    What sets them apart
    • The Gale Team consists of loan officers recognized among the top 1% of mortgage originators, bringing expertise and competitive advantages to clients seeking premium service.
    • The team prioritizes clear communication throughout the entire loan transaction, ensuring clients understand their options and stay informed at every step.
    • Clients have access to calculators, learning centers, and educational resources to understand financing basics, refinancing options, and mortgage terminology.
    Mortgage BrokerLoan OriginationHome FinancingRefinancingPre-Qualification
    Phone(480) 626-2282
    Greg Gale | The Gale Team NOVA Home Loans
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale and greater Phoenix metropolitan area
    β˜…β˜…β˜…β˜…β˜…5.0(207 Google reviews)

    Chris Allen at Trusted Mortgage, Inc. is a Scottsdale-based mortgage broker specializing in personalized loan solutions for homebuyers and refinancers. With access to multiple lenders and loan programs, Chris helps clients navigate purchase mortgages, refinancing, VA loans, FHA loans, and jumbo loans tailored to their financial situation. Known for transparent guidance and responsive service, Trusted Mortgage, Inc. focuses on finding the right mortgage fit rather than pushing a single product.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military veterans, buyers seeking jumbo loans, homeowners refinancing, self-employed borrowers
    What sets them apart
    • Works with numerous lending partners to compare rates and programs, giving clients more options than a single lender would offer.
    • Experienced with VA loans, FHA loans, jumbo mortgages, and refinancing options to serve diverse buyer profiles.
    • Direct relationship with Chris Allen ensures clear communication and customized solutions rather than automated processing.
    Mortgage BrokerHome LoansRefinancingVA LoansFHA Loans
    Phone(425) 591-3471
    Chris Allen - Trusted Mortgage, Inc.
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Surprise, AZ
    Serves Greater Phoenix area and surrounding Arizona communities
    β˜…β˜…β˜…β˜…β˜…5.0(180 Google reviews)

    Arnaiz Mortgage is an Arizona-based mortgage broker specializing in home loans, refinancing, and VA loans for buyers across the state. Led by Tyler Arnaiz with over a decade of Arizona mortgage experience, they offer personalized guidance through conventional, FHA, VA, and USDA loan programs. They differentiate themselves by shopping multiple lenders to secure competitive rates, providing fast pre-approval and closing timelines (30 days or less), and offering dedicated one-on-one support from application through closing.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA and active-duty service members, homeowners seeking refinancing, competitive home buyers needing fast pre-approval
    What sets them apart
    • Compares rates across multiple lenders to secure competitive mortgage rates rather than offering only in-house products.
    • Specializes in efficient loan processing with closing timelines of 30 days or less, helping buyers move quickly in Arizona's competitive market.
    • Offers conventional, FHA, VA, USDA, and specialized loan options tailored to individual financial situations and buyer profiles.
    Mortgage BrokerVA LoansFHA LoansHome RefinancingFirst-Time Buyers
    Phone(623) 806-4645
    Arnaiz Mortgage
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix and throughout Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(163 Google reviews)

    Home Loans by Paige is a mortgage brokerage run by Paige Martinez, a licensed loan originator (NMLS #214634) serving Phoenix and all of Arizona. Unlike bank loan officers, Paige shops multiple lenders to find the best rates and terms tailored to your situationβ€”whether you're a first-time buyer, refinancing for a better rate, accessing cash, or exploring investment property options. She specializes in fast approvals, flexible financing programs (including VA loans, FHA loans, and jumbo options), and one-on-one support to simplify what can be an overwhelming process.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, refinancers seeking better rates, VA and active military borrowers, investment property buyers, borrowers with non-traditional credit or income
    What sets them apart
    • As a mortgage broker, Paige shops among various lenders to find the best rates and terms for your specific situationβ€”not just the products from a single bank. This often results in better rates and more flexible program options.
    • Paige offers quick pre-approvals and pre-qualifications through flexible application methods (online, phone, or Zoom), with accessibility beyond typical banker's hours via call, text, or email.
    • Specializes in identifying the right loan product for each clientβ€”including VA loans, FHA loans, jumbo loans, and investment property financingβ€”based on employment, credit history, and military service eligibility.
    Mortgage BrokerFast Pre-ApprovalMultiple LendersRefinancingFirst-Time Buyers
    Phone(602) 448-4470
    Home Loans by Paige: Paige Martinez, Mortgage Broker
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Chandler, AZ
    Serves Chandler, Arizona and throughout the state of Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(154 Google reviews)

    Ramon Francis is a mortgage expert at Legacy Lending USA in Chandler, Arizona, specializing in home purchase loans, refinances, and debt consolidation. He offers competitive rates and a streamlined loan process for first-time homebuyers, existing homeowners, and those refinancing across Arizona. Ramon is licensed (NMLS #1058537) and provides access to multiple loan programs including conventional, FHA, VA, and jumbo loans.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, homeowners refinancing, debt consolidation seekers, VA loan eligible borrowers, jumbo loan applicants
    What sets them apart
    • Ramon Francis holds NMLS #1058537 and operates through Legacy Lending USA (NMLS #168482), licensed in Arizona and Utah.
    • Offers conventional, FHA, VA, jumbo, and FHA 203k loans to serve diverse borrower needs and financial situations.
    • Emphasizes a simple, straightforward, and fast loan process with quick quote tools and online assistance.
    Mortgage SpecialistHome LoansRefinancingFHA LoansVA Loans
    Phone(480) 628-7341
    Ramon Francis, #RamonLoans
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Phoenix metropolitan area, including Scottsdale, Phoenix, Tempe, Chandler, Gilbert, Mesa, and surrounding communities
    β˜…β˜…β˜…β˜…β˜…5.0(143 Google reviews)

    Ryan Spencer at AZ Mortgage Group LLC is a mortgage broker serving the Phoenix metropolitan area with personalized loan solutions for homebuyers and refinancers. With access to multiple lenders and loan programs, the firm specializes in helping borrowers find competitive rates and terms tailored to their financial situation. The team handles conventional, FHA, VA, and jumbo loans, offering fast pre-approval processes and expert guidance through the entire mortgage process.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military veterans seeking VA loans, refinancers looking for better rates, luxury home buyers needing jumbo loans
    What sets them apart
    • As a mortgage broker, Ryan Spencer works with numerous lenders to compare rates and programs, potentially saving borrowers money compared to working with a single lender directly.
    • The firm offers conventional, FHA, VA, and jumbo loans, serving first-time buyers, military veterans, and luxury home purchasers with specialized expertise.
    • Quick turnaround on pre-approvals helps borrowers get pre-qualified rapidly so they can move forward confidently with their home search.
    Mortgage BrokerHome LoansRefinancingFast Pre-ApprovalMultiple Lenders
    Phone(602) 738-9500
    Ryan Spencer - AZ Mortgage Group LLC - Mortgage Broker
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Chandler, AZ
    Serves Chandler and throughout Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(134 Google reviews)

    Brian Kelly is an Arizona mortgage broker based in Chandler who specializes in home loan origination and mortgage financing solutions. Operating through Barrett Financial Group, LLC, Brian works with borrowers across Arizona to secure competitive loan options tailored to their financial situation. With expertise in conventional, FHA, VA, and other loan programs, he helps first-time buyers, refinancers, and homeowners navigate the mortgage process with personalized service and access to multiple lender options.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan borrowers, FHA loan applicants, homeowners seeking refinancing
    What sets them apart
    • As a mortgage broker, Brian connects borrowers with multiple lenders to compare rates and terms, rather than being limited to a single institution.
    • Offers expertise in FHA, VA, conventional, and other specialized loan programs to match borrowers' specific needs and qualifications.
    • Provides direct, one-on-one guidance through the mortgage process to help borrowers understand options and make informed decisions.
    Mortgage BrokerHome LoansFHA & VA LoansRefinancingArizona
    Phone(602) 622-1145
    Brian Kelly - Arizona Mortgage Broker- Barrett Financial Group, LLC
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix and surrounding areas, Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(133 Google reviews)

    Aaron Borane is an independent mortgage broker serving the Phoenix area with personalized loan solutions for homebuyers and refinancers. With access to multiple lenders, Aaron specializes in helping first-time buyers, those with unique credit situations, and borrowers seeking competitive rates. His direct approach and attention to detail have earned consistent five-star reviews from clients throughout the region.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, Refinance borrowers, Self-employed individuals, Borrowers seeking personalized guidance
    What sets them apart
    • As an independent broker, Aaron has relationships with multiple lending partners, allowing him to shop rates and terms on your behalf rather than locking you into a single lender's offerings.
    • Aaron works directly with clients throughout the loan process, providing clear communication and tailored solutions for various financial situations, from first-time buyers to complex refinances.
    • Consistently strong client reviews reflect Aaron's expertise in navigating mortgage options and delivering competitive terms in a transparent manner.
    Mortgage BrokerHome LoansRefinancingFirst-Time BuyersPhoenix
    Phone(520) 232-4068
    Aaron Borane - Mortgage Broker
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Queen Creek, AZ
    Serves Queen Creek, Arizona and surrounding Phoenix metro areas
    β˜…β˜…β˜…β˜…β˜…5.0(132 Google reviews)

    Brick Mortgage LLC, led by Jared Halbert since 2014, is a Queen Creek-based mortgage broker specializing in home purchases, refinances, and real estate financing across Arizona. Jared and his team offer conventional loans and tailored mortgage solutions for first-time buyers, dream home purchasers, and refinancing clients. Known for handling complex transactions and out-of-state purchases, they combine personalized service with extensive loan program expertise and fast pre-approval processing.

    Best for: Refinancing
    Ideal clients: First-time home buyers, refinancing homeowners, out-of-state purchasers, buyers with complex financial situations
    What sets them apart
    • Jared's team successfully manages complicated out-of-state purchases and non-standard loan scenarios that other lenders may decline.
    • Rather than treating mortgages as purely transactional, Jared emphasizes understanding each client's goals and providing family-oriented guidance throughout the entire process.
    • Streamlined online application process takes 7-10 minutes and provides fast pre-approval so you can move forward confidently.
    Home LoansRefinancingFirst-Time BuyersMortgage BrokerArizona Specialist
    Phone(480) 565-2223
    Jared Halbert - Home Loans - Brick Mortgage LLC
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Mesa, AZ
    Serves Phoenix metropolitan area, Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(131 Google reviews)

    Echo Home Loans is a mortgage lender serving the Phoenix metro area with personalized loan solutions for homebuyers and refinancers. They specialize in conventional, FHA, VA, and jumbo loans, offering fast pre-approval processes and access to multiple lending programs. Known for their responsive customer service and competitive rates, Echo Home Loans helps first-time buyers and experienced homeowners navigate the mortgage process with clarity and support.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan applicants, refinancers, jumbo loan borrowers
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve diverse borrower needs and financial situations.
    • Streamlined application and approval system helps buyers move quickly in competitive markets.
    • Mesa-based mortgage professionals with deep knowledge of Arizona real estate market and lending options.
    Mortgage LenderVA LoansFHA LoansFast Pre-ApprovalRefinancing
    Phone(480) 773-1870
    Echo Home Loans
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Tempe, AZ
    Serves Tempe, Phoenix metro area, and nationwide
    β˜…β˜…β˜…β˜…β˜…5.0(127 Google reviews)

    Envoy Mortgage is a nationwide mortgage lender with a local Tempe office specializing in home purchase loans, refinancing, and cash-out refinances. With over 20 years of experience serving 200,000+ homebuyers across 70+ locations, they offer competitive rates, low fees, and a streamlined lending process focused on customer satisfaction. Their licensed mortgage professionals work to make home financing efficient and stress-free, with a 98% customer satisfaction rating and personalized service from experienced loan originators.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, homeowners looking to refinance, borrowers seeking personalized service and detailed loan explanations, buyers in the Phoenix metro area
    What sets them apart
    • Established mortgage lender with over two decades of success serving communities and 200,000+ homebuyers nationwide.
    • Proprietary systems and technology designed to deliver lowest possible rates, lowest fees, and faster closings with clear communication throughout.
    • Each borrower works with a dedicated licensed mortgage professional who takes time to explain options, answer questions, and find solutions for complex financial situations.
    Home LoansMortgage RefinancingPurchase LoansLow RatesCustomer Service
    Phone(480) 999-1224
    Envoy Mortgage - Tempe, AZ
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Tempe, AZ
    Serves Tempe, Arizona and surrounding areas
    β˜…β˜…β˜…β˜…β˜…5.0(119 Google reviews)

    Bright Mortgage is Arizona's premier mortgage broker with 20 years of experience helping clients achieve home ownership through personalized financing solutions. They specialize in home purchases, refinancing, and investment property financing, including VA loans for veterans and active military. Their team provides comprehensive guidance from pre-approval through closing, with an emphasis on clear communication and accessibility throughout the lending process.

    Best for: VeteransRefinancing
    Ideal clients: First-time homebuyers, Veterans and active military, Homeowners seeking refinancing, Investment property buyers
    What sets them apart
    • Established mortgage broker with two decades of expertise navigating Arizona's home financing landscape and helping clients achieve their homeownership goals.
    • Dedicated support for veterans and active military, offering $0 down VA loans and specialized guidance on military financing eligibility.
    • No-obligation, no-credit-check initial application with streamlined pre-approval to enable confident home offers.
    Mortgage BrokerHome FinancingVA LoansRefinancingFirst-Time Buyers
    Phone(480) 454-5625
    Bright Mortgage
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Mesa, AZ
    Serves Mesa and surrounding Phoenix metropolitan areas
    β˜…β˜…β˜…β˜…β˜…5.0(119 Google reviews)

    Dakota Mortgage Team is a mortgage lending company serving the Mesa area, specializing in helping borrowers secure financing for residential properties. They offer an easy and secure online loan application process, making it simple for clients to apply and track their mortgage from anywhere. The team works with borrowers at all stagesβ€”whether purchasing a home, refinancing, or exploring loan optionsβ€”with personalized service to match clients with the right loan products for their financial situation.

    Ideal clients: First-time homebuyers, existing homeowners refinancing, buyers in the Phoenix metro area
    What sets them apart
    • Streamlined digital loan application process allows borrowers to apply and manage their mortgage conveniently online.
    • Based in Mesa with direct phone support, providing personalized guidance throughout the mortgage process.
    Mortgage LoansHome FinancingOnline ApplicationsResidential LoansMesa Lender
    Phone(480) 202-5024
    Dakota Mortgage Team
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale and throughout Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(118 Google reviews)

    Chad Okun and the Okun Lending Team are an independent mortgage brokerage serving Arizona, specializing in helping borrowers find competitive loan programs through access to multiple lenders. The team handles the entire mortgage processβ€”from pre-approval and loan selection through closingβ€”and prides itself on providing personalized guidance to first-time homebuyers, refinancers, and borrowers with unique financial situations. Their independent model means clients benefit from shopping rates across many lending partners rather than being limited to a single lender's offerings.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, refinancing borrowers, self-employed or non-traditional income earners, borrowers seeking competitive rate shopping
    What sets them apart
    • Access to multiple lending partners means competitive rates and loan options tailored to your financial profile, not limited to one lender's products.
    • Chad Okun's team handles every step from initial consultation and pre-approval through loan closing, simplifying what can be a complex transaction.
    • The team works with first-time buyers, refinancing customers, and borrowers with non-standard financial profiles to find suitable loan solutions.
    Mortgage BrokersLoan Pre-ApprovalRefinancingIndependent Lender AccessScottsdale
    Phone(602) 405-7007
    Arizona Loan Officer - Chad Okun
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Chandler, AZ
    Serves Chandler, Arizona and surrounding Phoenix metro area, plus licensed in AZ, CA, CO, FL, IL, MO, MT, NH, NV, OH, OR, SC, TX, VA, WA, WY
    β˜…β˜…β˜…β˜…β˜…5.0(115 Google reviews)

    Matthew Goldberg is a licensed mortgage loan officer with Barrett Financial Group serving Arizona and multiple western states. He specializes in purchase mortgages, refinancing, and construction financing, offering expertise across conventional, FHA, VA, and jumbo loan programs. With access to multiple lending partners and a focus on personalized service, Matthew helps homebuyers and homeowners navigate financing options tailored to their specific situation.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Military veterans (VA loans), Refinancing homeowners, Multi-state relocating buyers
    What sets them apart
    • Licensed loan originator across 16 states, allowing him to serve clients relocating or with out-of-state properties.
    • Access to multiple lenders and loan programs including conventional, FHA, VA, and jumbo loans to match your financial situation.
    • Offers one-on-one consultation, online calculators, and quick pre-approval process with direct phone and email support.
    Mortgage LoansRefinancingHome PurchaseMulti-State LicensedPersonalized Service
    Phone(480) 757-2323
    Matthew Goldberg - Licensed Mortgage Loan Officer
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Chandler, AZ
    Serves Chandler, Arizona and nationwide
    β˜…β˜…β˜…β˜…β˜…5.0(108 Google reviews)

    The VA Loan Nerd, led by Marine Corps veteran Joey Mathews, specializes in VA home loans for military families and veterans. The company provides end-to-end mortgage financing services including pre-approval, loan type selection, refinancing, cash-out refinances, and new construction financingβ€”all designed specifically for veterans who want to leverage their military benefits without the complexity. Led by veterans for veterans, the team offers personalized guidance, rapid pre-approval (within 24 hours), connections to trusted real estate agents and builders, and direct access to the lending team throughout the entire process.

    Best for: Veterans
    Ideal clients: Military service members, veterans, active-duty personnel, veteran families seeking VA home loans, first-time homebuyers with military service
    What sets them apart
    • Founded and operated by Marine Corps veteran Joey Mathews, the team specializes exclusively in VA loans and deeply understands military benefits, regulations, and the veteran experience.
    • The company aims to issue pre-approval within 24 hours and guarantees direct access to Joey Mathews and the lending team from start to close.
    • Services include VA home purchases, refinancing, cash-out refinances, renovations, and new construction financingβ€”all tailored to individual veteran goals and budgets.
    VA LoansMilitary FamiliesHome FinancingVeteran-LedMortgage Services
    Phone(630) 235-2405
    Joey Mathews - The VA Loan Nerd - Neighborhood Loans
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Phoenix metro area, and surrounding Arizona communities
    β˜…β˜…β˜…β˜…β˜…5.0(99 Google reviews)

    Gezellig Financial is a local mortgage broker in Scottsdale serving first-time homebuyers and experienced real estate investors. They specialize in purchase mortgages, refinancing, FHA loans, VA loans, USDA loans, jumbo loans, cash-out refinancing, and investment property mortgages. The team emphasizes transparent communication, easy accessibility, and an enjoyable loan experience with no hidden fees, and provides educational resources to guide clients through the entire process.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, Veterans and active military, Real estate investors, Homeowners seeking refinancing
    What sets them apart
    • Gezellig Financial commits to no hidden fees, delays, or unanswered questions throughout the loan process, prioritizing clear communication and client trust.
    • They offer specialized options including FHA, VA, USDA, jumbo, and investment property mortgages, plus cash-out refinancing and low down payment programs.
    • The company provides a learning center with 27+ educational articles and step-by-step homebuying guides to help clients make informed decisions.
    Mortgage BrokerFirst-Time BuyersVA LoansRefinancingFHA Loans
    Phone(602) 842-1907
    Gezellig Financial
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and surrounding areas
    β˜…β˜…β˜…β˜…β˜…5.0(97 Google reviews)

    Dan White at Fairway Independent Mortgage Corporation is a licensed mortgage lender serving the Phoenix area with expertise across FHA, VA, conventional, jumbo, and reverse mortgage loans. Operating under Fairway Independent Mortgage Corporation, Dan White provides personalized financing solutions for first-time homebuyers, luxury home purchases, and refinancing needs. The practice emphasizes client education and transparent guidance to help borrowers understand their options and make informed decisions.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, luxury home buyers, borrowers seeking refinancing, buyers needing down payment assistance
    What sets them apart
    • Offers FHA, VA, conventional, jumbo, reverse mortgage, and down payment assistance programs to serve diverse borrower needs.
    • Provides educational resources and videos to help clients understand the mortgage process and make informed financing decisions.
    • Individually licensed loan officer (NMLS #165675) with Fairway Independent Mortgage Corporation, a national lender with established credentials.
    Mortgage LoansFHA LoansVA LoansHome FinancingJumbo Loans
    Phone(602) 339-4341
    Dan White - Fairway Independent Mortgage Corporation
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Mesa, AZ
    Serves Mesa, Arizona and surrounding Phoenix metropolitan area
    β˜…β˜…β˜…β˜…β˜…5.0(92 Google reviews)

    Discount Mortgage Advisors is a Mesa-based mortgage brokerage specializing in home purchase loans and refinancing for Arizona homebuyers. Led by experienced advisors like Steve Alonso and Andrea Gutierrez, they help first-time buyers secure competitive rates and assist existing homeowners in refinancing to lower payments or access cash-out options. Their streamlined online application process typically funds loans in less than 30 days, with tools for rate comparison, pre-approval letters, and property evaluation to ensure clients get the best terms for their unique situation.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners refinancing for lower rates, buyers seeking fast loan approval, those wanting to compare multiple mortgage options
    What sets them apart
    • Loans are typically fully funded in less than 30 days with a streamlined, 100% online application and quick approval process.
    • Clients can shop and compare multiple mortgage offers before committing, ensuring they get the best terms rather than accepting the first quote.
    • Steve Alonso and Andrea Gutierrez lead a dedicated advisory team known for responsive, personalized service throughout the buying or refinancing journey.
    Mortgage BrokerHome Purchase LoansRefinancingFast FundingRate Comparison
    Phone(602) 570-6757
    Discount Mortgage Advisors
    Updated 5/1/26Learn More β†’
    85
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale and greater Phoenix metropolitan area, Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(90 Google reviews)

    Strategic Mortgage is a Scottsdale-based mortgage lender offering personalized loan solutions for home buyers and refinancing clients. The company specializes in working with first-time buyers, those seeking refinancing options, and borrowers with varied credit profiles to find competitive rates and terms. Their team provides free consultations to help clients navigate the mortgage process and secure financing that fits their financial goals.

    Best for: Refinancing
    Ideal clients: First-time home buyers, homeowners looking to refinance, borrowers seeking competitive mortgage rates in the Scottsdale area
    What sets them apart
    • Strategic Mortgage offers no-cost initial consultations to help borrowers understand their options and get pre-approved quickly.
    • The team works with borrowers across different credit profiles and financial situations to find competitive rates and terms tailored to individual needs.
    Mortgage LenderHome FinancingRefinancingFirst-Time BuyersScottsdale
    Phone(480) 703-5844
    Strategic Mortgage
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Glendale, AZ
    Serves Phoenix metropolitan area and surrounding Arizona communities
    β˜…β˜…β˜…β˜…β˜…5.0(88 Google reviews)

    Denise Abarca is a mortgage loan officer with Barrett Financial, offering personalized home loan solutions to borrowers throughout Arizona. She specializes in helping clients secure financing for home purchases and refinancing with access to multiple loan programs and competitive rates. Denise works directly with borrowers to navigate the mortgage process and find loan options tailored to their financial situation.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Existing homeowners refinancing, VA loan borrowers, FHA loan applicants
    What sets them apart
    • Work directly with Denise Abarca rather than a call center, ensuring personalized service and consistent communication throughout your loan process.
    • Barrett Financial offers access to various loan programs including conventional, FHA, VA, and jumbo loans to fit different borrower needs and financial situations.
    • Based in the Phoenix area with deep knowledge of Arizona real estate markets and local lending conditions.
    Mortgage LoansHome FinancingRefinancingFast Pre-ApprovalArizona Lender
    Phone(602) 446-5827
    Denise Abarca Home Loans
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Scottsdale, AZ
    Serves Phoenix metropolitan area, including Scottsdale, Mesa, and surrounding cities
    β˜…β˜…β˜…β˜…β˜…5.0(87 Google reviews)

    Adam Hawkins is a mortgage broker with Lender Express Mortgage, a full-service mortgage brokerage serving the Phoenix metro area. With 12 years of mortgage lending experience, Adam specializes in connecting borrowers with competitive rates and a broad spectrum of loan productsβ€”including Jumbo, FHA, Conventional, VA, and USDA loans. His philosophy centers on providing clients access to all available products at the lowest rates and fees, with a focus on personalized service throughout the home buying process.

    Best for: First-Time HomebuyersVeteransCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan applicants, borrowers seeking jumbo mortgages, refinancing clients
    What sets them apart
    • Offers Jumbo, FHA, Conventional, VA, and USDA loans, allowing flexibility for diverse borrower profiles and financial situations.
    • Dedicated mortgage professional with deep knowledge of the lending landscape and commitment to finding the best terms for each client.
    • Philosophy emphasizes delivering the lowest rates and fees available, with transparent pricing and personalized attention.
    Mortgage BrokerMultiple Loan TypesCompetitive RatesFull-ServiceHome Financing
    Phone(480) 789-3985
    Adam Hawkins - Mortgage Broker
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and surrounding communities
    β˜…β˜…β˜…β˜…β˜…5.0(87 Google reviews)

    Tru Home Loans, LLC is a mortgage lender serving the Phoenix area and beyond, specializing in helping borrowers find the right financing solution for their home purchase or refinance. The team works with multiple lenders to offer competitive rates and loan programs tailored to different financial situations, from first-time buyers to experienced homeowners. Their focus is on transparent communication and personalized service to make the lending process straightforward.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, existing homeowners seeking to refinance, VA loan borrowers, borrowers with FHA loan needs
    What sets them apart
    • Works with multiple lenders to help borrowers compare rates and find the best loan programs for their specific financial situation.
    • Offers a range of loan programs including options for first-time buyers, refinancing, VA loans, and FHA loans to meet diverse borrower needs.
    • Locally based in Phoenix with direct phone and in-person service, providing personalized support throughout the mortgage process.
    Mortgage LenderHome FinancingRefinancingPhoenix-Based
    Phone(602) 723-8940
    Tru Home Loans, LLC
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Phoenix, and surrounding Arizona communities
    β˜…β˜…β˜…β˜…β˜…5.0(86 Google reviews)

    Elevated Home Loans LLC is a mortgage lender based in Scottsdale specializing in home financing solutions for Arizona borrowers. The team offers personalized mortgage services including conventional loans, FHA loans, VA loans, and refinancing options, with a focus on fast pre-approval processes and competitive rates. They serve first-time homebuyers through experienced homeowners across the Phoenix metropolitan area.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan eligible borrowers, homeowners seeking refinancing, Arizona residents with competitive rate needs
    What sets them apart
    • Elevated Home Loans prioritizes quick pre-approval turnarounds to keep homebuyers moving forward without delays in their purchasing timeline.
    • The lender offers conventional, FHA, VA, and refinancing programs tailored to different borrower situations and financial profiles.
    • Operating from a Scottsdale office with deep Arizona market knowledge, they understand local real estate dynamics and community-specific lending challenges.
    Mortgage LenderHome FinancingScottsdaleFast Pre-ApprovalVA Loans
    Phone(480) 660-0100
    Elevated Home Loans LLC
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Scottsdale, AZ
    Serves Greater Phoenix, Arizona including Scottsdale and surrounding metro areas
    β˜…β˜…β˜…β˜…β˜…5.0(82 Google reviews)

    Mark Tomaszewski is a Senior Loan Officer (NMLS 1379363) with CMG Home Loans specializing in mortgage lending for purchase and refinance in the Phoenix area. He offers a comprehensive range of loan programs including conventional, FHA, VA, USDA, jumbo, adjustable-rate, and non-QM loans, plus down payment assistance programs. Mark is known for personalized service, accessibility, and problem-solving expertiseβ€”particularly helping first-time buyers and handling complex financing situations that other lenders may decline.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time home buyers, VA/military personnel, buyers with complex financial situations, property investors, refinancing homeowners
    What sets them apart
    • Offers conventional, FHA, VA, USDA, jumbo, adjustable-rate, and non-QM loans with down payment assistance programs tailored to individual situations.
    • Known for answering questions at any time of day, responding to emails within minutes, and personally handling complex cases others have declined.
    • Provides sellers with marketing support and qualified buyers with below-market rates locked for 60 days, helping attract more offers without price reductions.
    Mortgage LendingFirst-Time BuyersVA LoansJumbo LoansRefinancing
    Phone(602) 499-4086
    Mark Tomaszewski, Mortgage Lender, NMLS 1379363
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Gilbert, AZ
    Serves Gilbert and surrounding Phoenix metropolitan area, Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(79 Google reviews)

    Kevin Quame is an independent mortgage broker based in Gilbert, AZ, specializing in residential home loans for borrowers across Arizona. With access to multiple lenders and loan programs, Kevin provides personalized mortgage solutions including conventional, FHA, VA, and jumbo loans. His easy online application process and direct client relationships help borrowers secure competitive rates and financing tailored to their specific needs.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Veterans seeking VA loans, FHA loan applicants, Luxury home buyers, Refinancing borrowers
    What sets them apart
    • As an independent mortgage broker, Kevin has access to multiple lending partners, allowing him to shop rates and terms across different lenders to find the best fit for each borrower.
    • Kevin offers an easy and secure online loan application, making it convenient for borrowers to apply from home without in-person visits required.
    • Kevin specializes in conventional, FHA, VA, and jumbo loans, serving first-time homebuyers, veterans, and luxury home purchasers with varied financing needs.
    Mortgage BrokerHome LoansFHA LoansVA LoansGilbert
    Kevin Quame - Independent Mortgage Broker with Local Home Loans
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Mesa, AZ
    Serves Phoenix metropolitan area, Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(73 Google reviews)

    Carpenter Home Loans is a mortgage lender serving the Phoenix metro area with a focus on personalized service and fast pre-approval processes. Based in Mesa, they help borrowers navigate financing options for home purchases and refinances, working with multiple loan programs to match individual financial situations. Their team emphasizes direct communication and transparency throughout the lending process.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, Experienced homeowners refinancing, Self-employed borrowers, Those seeking faster pre-approval
    What sets them apart
    • Carpenter Home Loans specializes in quick pre-approval turnaround, helping borrowers move faster in competitive markets.
    • They work with various loan types to accommodate different financial profiles, including conventional, FHA, and refinancing options.
    • As a Mesa-based lender, they have deep knowledge of local market conditions and community lending practices.
    Mortgage LenderHome FinancingPre-ApprovalRefinancingMesa
    Carpenter Home Loans
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Gilbert, AZ
    Serves Gilbert, Arizona and surrounding Phoenix metro areas
    β˜…β˜…β˜…β˜…β˜…5.0(70 Google reviews)

    Servando Rojas is a licensed mortgage loan officer (NMLS #1358595) with Direct Mortgage Loans, serving the Gilbert area since 2015. He specializes in home purchase mortgages, refinancing, and VA loans, offering personalized guidance through in-house processing and underwriting. Known for clear communication, patient client education, and responsive service, Servando helps first-time buyers, repeat homeowners, and VA borrowers navigate the mortgage process with confidence.

    Best for: VeteransRefinancing
    Ideal clients: First-time home buyers, VA loan borrowers, homeowners refinancing, repeat buyers seeking personalized service
    What sets them apart
    • Direct Mortgage Loans uses in-house processing and underwriting, eliminating middlemen and enabling faster loan decisions and personalized service.
    • Offers comprehensive VA loan guidance with dedicated resources and knowledge of VA-specific benefits, rates, and closing costs for military borrowers.
    • Servando takes time to explain each step of the process, answer questions thoroughly, and remains available outside standard hours to support clients.
    Mortgage LoansVA LoansHome RefinancingFirst-Time BuyersLocal Lender
    Phone(480) 375-5326
    Servando Rojas - Licensed Mortgage Loan Officer
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Gilbert, AZ
    Serves Phoenix metropolitan area including Gilbert, Chandler, Mesa, Scottsdale, and surrounding communities
    β˜…β˜…β˜…β˜…β˜…5.0(70 Google reviews)

    Desert State Mortgage is an independent mortgage lender serving the Phoenix metropolitan area with personalized loan solutions for homebuyers and refinancing clients. Located in Gilbert, they specialize in helping borrowers navigate the mortgage process with direct access to multiple loan programs and competitive rates. Their team focuses on transparent communication and finding the right financing option for each client's unique situation.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, existing homeowners seeking refinancing, borrowers wanting personalized service from a local lender
    What sets them apart
    • As an independent mortgage company, Desert State Mortgage can access multiple lenders and loan programs to find competitive rates and terms tailored to your financial situation.
    • Based in Gilbert with deep knowledge of the Phoenix area real estate market and local lending landscape.
    Mortgage LenderHome FinancingRefinancingPhoenix AreaIndependent Lender
    Desert State Mortgage
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Chandler, AZ
    Serves Chandler, Arizona and surrounding Phoenix metropolitan area
    β˜…β˜…β˜…β˜…β˜…5.0(69 Google reviews)

    Epic Mortgage LLC, led by Joe Smith, is a mortgage lending company serving the greater Phoenix area with personalized loan solutions. They specialize in helping clients navigate the mortgage process with expert guidance and competitive rates. Epic Mortgage works with borrowers of all backgrounds to find financing options tailored to their specific situation.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, refinancing clients, self-employed borrowers, buyers seeking personalized loan guidance
    What sets them apart
    • Led by Joe Smith, Epic Mortgage provides direct access to decision-makers and personalized service rather than automated processing.
    • Based in Chandler with deep knowledge of the local real estate market and lending landscape across the greater Phoenix area.
    Mortgage LenderHome FinancingLoan OfficerPhoenix AreaPersonalized Service
    Phone(602) 741-4121
    Epic Mortgage LLC - Joe Smith
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Arizona and surrounding Phoenix metropolitan area
    β˜…β˜…β˜…β˜…β˜…5.0(67 Google reviews)

    Brandi Paucek is a mortgage loan originator with Movement Mortgage, offering personalized home financing solutions for borrowers in the Scottsdale area. With a 5-star rating from 67 reviews, Brandi specializes in helping clients navigate the mortgage process with transparency and expertise. Movement Mortgage provides access to multiple loan programs including conventional, FHA, VA, and jumbo loans to meet diverse borrowing needs.

    Best for: First-Time HomebuyersVeteransCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, luxury home buyers, borrowers seeking personalized service and competitive rates
    What sets them apart
    • Brandi Paucek has earned consistent 5-star reviews from borrowers, reflecting her commitment to personalized service and clear communication throughout the mortgage process.
    • Through Movement Mortgage, Brandi offers access to conventional, FHA, VA, and jumbo loans, providing flexibility for first-time buyers, veterans, and luxury home purchasers.
    • Movement Mortgage emphasizes straightforward pricing and customer education, helping borrowers understand their options and make informed decisions.
    Mortgage LoansHome FinancingLoan OriginatorMovement Mortgage
    Phone(623) 521-3689
    Brandi Paucek-Movement Mortgage
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Phoenix metropolitan area, and throughout Arizona
    β˜…β˜…β˜…β˜…β˜…5.0(63 Google reviews)

    Simplicity Home Loans is a mortgage lender based in Scottsdale specializing in home financing solutions for Arizona borrowers. They offer a range of loan programs including conventional, FHA, VA, and jumbo loans, with a focus on fast pre-approval processes and personalized service. The team works to simplify the mortgage process and provide competitive rates and terms tailored to individual borrower needs.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan applicants, borrowers seeking jumbo loans, Arizona residents refinancing existing mortgages
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loan programs to serve diverse borrower needs and financial situations.
    • Specializes in streamlined pre-approval to help borrowers move quickly through the mortgage application process.
    • Local Scottsdale-based team provides direct support and tailored financing solutions for Arizona homebuyers.
    Mortgage LenderHome LoansFast Pre-ApprovalVA LoansFHA Loans
    Phone(855) 761-8498
    Simplicity Home Loans
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and surrounding metropolitan areas
    β˜…β˜…β˜…β˜…β˜…4.9(649 Google reviews)

    Kinfolk Home Loans is a mortgage lender serving Arizona homebuyers and refinancers with personalized loan options and fast pre-approval processes. Based in Phoenix, they offer VA loans, FHA loans, jumbo loans, and conventional financing tailored to first-time buyers and experienced homeowners alike. Their team focuses on transparent pricing and streamlined underwriting to get clients to closing quickly.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, home refinancers, jumbo loan buyers
    What sets them apart
    • Offers VA loans, FHA loans, jumbo loans, and conventional financing options to serve diverse buyer profiles and financial situations.
    • Streamlined underwriting and quick pre-approval timelines help buyers move faster in competitive markets.
    • Clear, upfront fee structures and no hidden costs make it easy for borrowers to understand their loan terms.
    Mortgage LenderVA LoansFHA LoansFast Pre-ApprovalRefinancing
    Phone(855) 227-2700
    Kinfolk Home Loans
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Scottsdale, AZ
    Serves Scottsdale, Phoenix, and surrounding Arizona communities
    β˜…β˜…β˜…β˜…β˜…4.9(520 Google reviews)

    Green Home Loans is a mortgage lender based in Scottsdale specializing in eco-friendly and conventional home financing. They help homebuyers and refinancers secure mortgages with a focus on sustainable properties and energy-efficient homes, offering personalized service and competitive rates. The team provides pre-approval, loan guidance, and access to multiple loan programs tailored to individual financial situations.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, environmentally conscious buyers, homeowners seeking refinancing, green property investors
    What sets them apart
    • Specializes in financing eco-friendly and energy-efficient homes, helping environmentally conscious buyers find loans aligned with green property standards.
    • Offers conventional mortgages, refinancing, and other loan programs with access to multiple lenders to ensure competitive rates and personalized solutions.
    • Scottsdale-based team provides direct, personalized service and deep knowledge of the Arizona real estate market.
    Mortgage LenderHome LoansRefinancingEco-Friendly Financing
    Green Home Loans
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and surrounding areas
    β˜…β˜…β˜…β˜…β˜…5.0(58 Google reviews)

    Mark Fazio is a Senior Loan Officer and mortgage originator with Barrett Financial, offering comprehensive home financing solutions for Phoenix-area borrowers. With access to multiple lenders and loan products, Mark specializes in helping first-time homebuyers, refinancing existing mortgages, and securing specialized loan types including VA, FHA, and jumbo loans. His experience as both an originator and broker means clients benefit from personalized guidance and competitive rates tailored to their specific financial situation.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, military veterans, borrowers looking to refinance, buyers seeking jumbo loans, homeowners wanting expert mortgage consultation
    What sets them apart
    • As both an originator and broker with Barrett Financial, Mark can shop loans from multiple lenders to find competitive rates and terms that match your financial profile.
    • Offers VA loans, FHA loans, jumbo loans, and refinancing options, ensuring borrowers have access to programs that fit their circumstances.
    • Senior-level expertise means detailed consultation throughout the mortgage process, from pre-approval through closing, helping borrowers understand their options.
    Mortgage OriginatorHome LoansPhoenixVA LoansFHA Loans
    Phone(480) 690-9790
    Mark Fazio Mortgage Team | Sr. Loan Officer | Originator Lender Broker | Barrett Financial | Phoenix AZ
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix, Arizona and surrounding areas
    β˜…β˜…β˜…β˜…β˜…4.9(353 Google reviews)

    Forever American Mortgage is a Phoenix-based mortgage lender offering comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and refinancing options. With a 4.9-star rating from hundreds of clients, they specialize in helping first-time homebuyers, veterans, and existing homeowners find the right loan programs to fit their financial goals. Their team provides personalized guidance through pre-approval, loan processing, and closing to make the mortgage process straightforward and transparent.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, Veterans seeking VA loans, Homeowners refinancing, Buyers needing FHA financing
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve a wide range of borrowers including first-time buyers, veterans, and those with non-traditional financial profiles.
    • Streamlined pre-approval enables qualified buyers to move quickly in competitive markets and demonstrate serious offer intent to sellers.
    • Phoenix-based mortgage professionals with deep knowledge of Arizona's real estate market and local lending requirements.
    Mortgage LenderHome LoansRefinancingVA LoansFHA Loans
    Forever American Mortgage
    Updated 5/1/26Learn More β†’
    84
    Lantern
    Score
    Phoenix, AZ
    Serves Phoenix and surrounding Maricopa County cities
    β˜…β˜…β˜…β˜…β˜…5.0(56 Google reviews)

    Phoenix Mortgage Lender specializes in providing personalized mortgage solutions through Nick Gutierrez, offering competitive rates and comprehensive loan options to homebuyers and refinancers across the Phoenix area. With access to multiple lenders and loan programs, this independent mortgage professional helps clients navigate the lending process with expert guidance and transparent communication. Nick Gutierrez focuses on finding the right loan fit for each client's unique financial situation, whether they're first-time buyers or experienced homeowners.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, refinancing homeowners, borrowers seeking VA or FHA loans, individuals looking for jumbo mortgages
    What sets them apart
    • Provides access to multiple mortgage lenders, allowing clients to compare options and secure the best rates and terms for their specific situation.
    • Nick Gutierrez works directly with clients to understand their financial goals and find tailored loan programs, from FHA and VA loans to jumbo mortgages.
    • Offers clear communication throughout the lending process, helping clients understand their options and make informed decisions about their home financing.
    Mortgage LenderHome LoansRefinancingPhoenixLocal Lender
    Phoenix Mortgage Lender - Nick Gutierrez
    Updated 5/1/26Learn More β†’
    This directory of mortgage brokers local businesses serving Greater Phoenix, is maintained by Lantern. Rankings are determined by the Lantern Score β€” not advertising or payment for placement. Learn how it works. Last updated April 19, 2026. To claim or update a listing, contact us.