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Best Mortgage Brokers in Tempe

2024

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Providers

Last updated:

Website
4140 East Baseline Road, Mesa, AZ 85206
  • Refinance

Why choose this provider?

Sun American Mortgage - Mesa, Az is an independent mortgage banking firm serving clients in Tempe. Established in 1984, this company aims to enhance the lives of families and individuals by helping them purchase homes. It consists of a team of mortgage professionals who possess more than 10 years of industry experience. They can walk clients through the process of various home financing transactions, including reverse mortgages, cash-out refinances, and construction loans. Sun American Mortgage - Mesa, Az also handles VA and FHA loans.

License Verified:

License: 160265

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (123)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
  • Refinance

Why choose this provider?

Agave Home Loans provides mortgage assistance to first-time homebuyers and current homeowners in Tempe. The staff members of this independent company help clients search and shop for the best non-qualifying, VA, FHA, and conventional mortgage loans if they are buying houses for the first time. They also help find suitable options for refinancing loans to pay for home additions. CEO and co-owner Marshall Gottlieb was in the restaurant and hospitality industry for seven years before he shifted to lending and real estate.

License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (597)
Facebook
5.0 / 5 (91)
Zillow
5.0 / 5 (73)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8637 East Osborn Road, Scottsdale, AZ 85251
  • Multi-Family Loans

Why choose this provider?

Simplify Mortgage, founded by John Moran in Scottsdale, has a straightforward mission: “Make mortgages easier.” Serving Tempe clients, the team simplifies the process by incorporating John’s two year-experience as a real estate agent in New York and two years of mortgage career in Chicago. The company offers conforming or conventional mortgages, jumbo for larger loans, FHA mortgages insured by the U.S. Department of Housing and Urban Development, VA loans, and USDA loans.

License Verified:

License: 2065631

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1819 South Dobson Road, Mesa, AZ 85202
  • Refinance

Why choose this provider?

Aaron Chapman of the SecurityNational Mortgage Company provides financing assistance for Tempe borrowers. He helps clients select from a wide range of mortgage options, including USDA, land, conventional, and green mortgages, whether they are purchasing homes or investment properties. The Mortgage Bankers Association member, who is also licensed in Florida and California, has been working in the industry for two decades. With a commitment to serve the community, he joined the rescue unit of the Pinal County Sheriff’s office.

License Verified:

License: 267844

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (71)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
907 South Ash Avenue, Tempe, AZ 85281
  • Refinance

Why choose this provider?

Jill Sheldon & Co. at CMG Financial is a mortgage brokerage firm that offers home loans and refinancing options to clients in the Tempe community. It provides specialty loan programs, such as programs for first-time homebuyers and down payment assistance as well as loans for renovations, construction, and flexible credit. . The firm's loan team is trained to assist clients with their specific situations and secure a loan program, whether conventional, VA, FHA, or jumbo lending.

License Verified:

License: 862859

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1818 East Southern Avenue, Mesa, AZ 85204
  • New Construction
  • Refinance

Why choose this provider?

Starwest Mortgage Corporation is a full-service mortgage brokerage servicing Tempe and the surrounding cities. Since 2003, the company has been working with homeowners, real estate professionals, builders, and individual homebuyers. It offers loan options through conventional lending, FHA, VA, USDA, and HomePath programs. In addition, the team helps clients refinance with HARP, FHA streamline, and jumbo mortgage. The loan officers at Starwest Mortgage Corporation provide regular loan updates and progress reports to keep customers informed.

License Verified:

License: 164496

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (119)
Yelp
4.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4500 South Lakeshore Drive, Tempe, AZ 85282
  • Reverse Mortgages

Why choose this provider?

AZ Lending Experts, LLC, is a full-service mortgage broker serving Tempe and the surrounding areas. The company specializes in conventional home loans, VA, FHA, USDA, and jumbo residential mortgages. Additionally, it offers reverse mortgages and 203K rehab loans. With an extensive network of wholesale and national lenders, the team helps borrowers find the loan product that matches their situation. AZ Lending Experts has been recognized as the top mortgage broker by Ranking Arizona from the year 2015 to 2018.

License Verified:

License: 847182

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (235)
Facebook
4.0 / 5 (16)
Yelp
4.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3835 North 32nd Street, Phoenix, AZ 85018
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Founded in 2002, Original Mortgage assists clients in building, selling, buying, and refinancing homes in Tempe and neighboring areas. The firm lends its expertise and advice to clients shopping for home loans. It offers mortgage options such as fixed-rate, adjustable-rate, conforming, jumbo, and super jumbo loans. It also guides clients seeking to avail of VA, USDA, and FHA loans. President and mortgage broker Michael Mammen leads the firm with over 25 years of experience in finance.

License Verified:

License: 20633

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (95)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1400 E Southern Ave Suite 220, Tempe, AZ 85282
  • Refinance

Why choose this provider?

Summit Funding Inc. provides financing solutions in Tempe. Its team of loan professionals helps clients select programs that suit their needs and situations. They assist clients during the pre-qualification and pre-approval stages. In addition, they offer financing options for homeowners who are looking into refinancing, and these include jumbo, conventional, reverse, USDA, VA, or FHA mortgages. Summit Funding has been in service for nearly three decades. It also has offices in California, Oregon, and Washington.

License Verified:

License: 1255802

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (176)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14614 North Kierland Boulevard, Scottsdale, AZ 85254
  • New Construction
  • Refinance

Why choose this provider?

Cardinal Financial assists Tempe home buyers and homeowners and residents in several areas, including refinancing which may involve taking out cash or lowering the interest rates of clients' current mortgage loans. The company specializes in arranging mortgages and providing funding solutions especially for clients who want to buy a home for the first time or to refinance one. Some of their loan products include conventional, FHA, USDA, VA, and Jumbo. They also provide more options like disaster relief loans or construction home loans.

License Verified:

License: 279552

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4500 South Lakeshore Drive, Tempe, AZ 85282
  • Refinance

Why choose this provider?

Legacy Lending USA is a Tempe-based full-service mortgage broker specializing in USDA, VA, and FHA loans. The company can also assist clients in getting reverse mortgages, home equity loans, and home purchase loans. Its staff also help in refinancing services, including VA cash out, FHA cash out, and FHA streamline. The company's website contains an array of resources for clients, including an overview of common mortgage terms and digital copies of documents needed in the mortgage process.

License Verified:

License: 168482

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.9 / 5 (45)
Yelp
4.5 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4500 South Lakeshore Drive, Tempe, AZ 85282
  • New Construction

Why choose this provider?

AZ Financial, LLC, is a Tempe-based mortgage brokerage firm that has over 28 years of experience in the industry. Some of its loan products include FHA, VA, USDA, and jumbo loans. Its team of mortgage brokers also assists with fixed, adjustable-rate, and reverse mortgage needs. The company finances residential homes, townhouses, and condominiums, as well as one to four-unit properties. AZ Financial has partnered with Realtors, home/pest inspectors, title companies, and nationwide wholesale mortgage lenders to meet their clients' needs.

License Verified:

License: 1484811

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (44)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6909 West Ray Road, Chandler, AZ 85226
  • Refinance

Why choose this provider?

Misty Garrison is a mortgage loan originator based in Tempe operating in NextGen Financial Services. As a mortgage broker, she provides a variety of loan programs, including FHA home loans, VA loans, Jumbo loans, and USDA loans. These loan programs are rated in adjustable-rate mortgages (ARMs), interest-only loans, graduated payments, and fixed-rate loans, which include monthly principal and interest payments that never vary over the loan's lifespan. Garrison also helps in refinancing and offers FHA streamline, FHA cash out, and FHA 203k among others.

License Verified:

License: 624292

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Website
7137 E Rancho Vista Dr #B05, Scottsdale, AZ 85251

Why choose this provider?

All Reverse Mortgage, Inc., is a woman-led organization that has been serving Tempe and the surrounding communities for 17 years. It provides reverse mortgage programs for homeowners residing in their primary residences, whether it's a single-family home, townhouse, condominium unit, or manufactured home. The loan option is also available for individuals looking to purchase a retirement home. The veteran-operated agency also assists clients in calculating their eligibility, being updated about the rates, and locating a counselor.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (47)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2301 South Stearman Drive, Chandler, AZ 85286
  • Refinance

Why choose this provider?

Ramon Francis is a mortgage broker and specialist who works closely with clients in Tempe, Chandler, and the surrounding areas. Ramon graduated from Arizona State University and started his career with Legacy Lending in 2012. Ramon tailors financial solutions and offers low rates to meet clients' needs and capabilities towards refinancing outstanding loans or consolidating debt. Ramon also works with real estate agents to determine if buyers qualify for appraisal waivers.

License Verified:

License: 1058537

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (34)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10429 South 51st Street, Phoenix, AZ 85044
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Eric Kinneman is a branch manager at Lend Smart Mortgage who serves clients in Tempe. His team offers a variety of mortgage loan options for homeowners and homebuyers, including conventional, jumbo, home equity, FHA, 203k rehab, and reverse mortgage loans. Eric has 19 years of mortgage experience and has received recognition from Top Agent Magazine and Expert Network for his achievements and contributions to the industry. Eric serves on the South East Valley Regional Association of Realtors' board of directors.

License Verified:

License: 212062

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (102)
Yelp
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
585 North Juniper Drive, Chandler, AZ 85226
  • New Construction
  • Refinance

Why choose this provider?

Operating near Tempe since 2007, Carrington Mortgage Services, LLC, provides a wide range of real estate solutions for the single-family residential real estate market. It offers assistance in mortgage loan brokering for both home buyers and investors. Its mortgage brokers assist its clients in three loan servicing locations with home loans and refinancing products. Moreover, for the past nine years, it has been supporting the Annual Golf Classic, a fund-raising tournament for the benefit of post 9/11 combat-wounded American veterans.

License Verified:

License: 2600

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (146)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10429 South 51st Street Suite 275, Phoenix, AZ 85044
  • Mortgage Refinance
  • Mortgage Broker

Why choose this provider?

PHX Lending is a mortgage broker that serves residents in Tempe and the surrounding locations. It offers various purchase and refinance products, including conventional, FHA, VA, jumbo, HELOC, and non-QM. It also processes bank statement loans for self-employed borrowers. PHX Lending was established in 2021 by loan officer Dan Munson, who has over 4,000 funded mortgage transactions in his 13-year career. Munson works directly with clients, helping them with their home loan needs with access to over 20 wholesale lenders.

License Verified:

License: 2336671

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Zillow
5.0 / 5 (13)
Yelp
5.0 / 5 (9)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.