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2024

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Best Mortgage Brokers in Tempe, AZ

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tempe Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

60Reviewed

43Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4140 East Baseline Road, Mesa, AZ 85206
WebsiteLicense: 160265

Expertise.com Rating

Review Sources

Facebook
5.0 (123)

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.

  • Refinance

3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)
Zillow
5.0 (73)

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.

  • Refinance

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

Expertise.com Rating

Review Sources

Google
5.0 (47)

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.

8637 East Osborn Road, Scottsdale, AZ 85251
WebsiteLicense: 2065631

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (2)

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.

  • Multi-Family Loans

2301 South Stearman Drive, Chandler, AZ 85286
WebsiteLicense: 1058537

Expertise.com Rating

Review Sources

Google
4.9 (34)
Facebook
5.0 (9)

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.

  • Refinance

907 South Ash Avenue, Tempe, AZ 85281
WebsiteLicense: 862859

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (11)
Yelp
5.0 (2)

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.

  • Refinance

585 North Juniper Drive, Chandler, AZ 85226
WebsiteLicense: 2600

Expertise.com Rating

Review Sources

Google
4.2 (146)

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.

  • New Construction
  • Refinance

4500 South Lakeshore Drive, Tempe, AZ 85282
WebsiteLicense: 847182

Expertise.com Rating

Review Sources

Google
5.0 (235)
Facebook
4.0 (16)
Yelp
4.0 (11)

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.

  • Reverse Mortgages

6909 West Ray Road, Chandler, AZ 85226
WebsiteLicense: 624292

Expertise.com Rating

Review Sources

Google
5.0 (5)

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.

  • Refinance

1818 East Southern Avenue, Mesa, AZ 85204
WebsiteLicense: 164496

Expertise.com Rating

Review Sources

Google
5.0 (119)
Yelp
4.5 (12)

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.

  • New Construction
  • Refinance

1819 South Dobson Road, Mesa, AZ 85202
WebsiteLicense: 267844

Expertise.com Rating

Review Sources

Google
5.0 (71)

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.

  • Refinance

4500 South Lakeshore Drive, Tempe, AZ 85282
WebsiteLicense: 1484811

Expertise.com Rating

Review Sources

Google
5.0 (44)
Yelp
5.0 (4)

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.

  • New Construction

14614 North Kierland Boulevard, Scottsdale, AZ 85254
WebsiteLicense: 279552

Expertise.com Rating

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.

  • New Construction
  • Refinance

10429 South 51st Street, Phoenix, AZ 85044
WebsiteLicense: 212062

Expertise.com Rating

Review Sources

Google
5.0 (102)
Yelp
5.0 (7)

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.

  • Refinance
  • Reverse Mortgages

4500 South Lakeshore Drive, Tempe, AZ 85282
WebsiteLicense: 168482

Expertise.com Rating

Review Sources

Google
4.9 (45)
Yelp
4.5 (14)

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.

  • Refinance

3835 North 32nd Street, Phoenix, AZ 85018
WebsiteLicense: 20633

Expertise.com Rating

Review Sources

Google
5.0 (95)

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.

  • Refinance
  • Reverse Mortgages

1400 E Southern Ave Suite 220, Tempe, AZ 85282
WebsiteLicense: 1255802

Expertise.com Rating

Review Sources

Google
5.0 (176)
Yelp
3.0 (2)

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.

  • Refinance

10429 South 51st Street Suite 275, Phoenix, AZ 85044
WebsiteLicense: 2336671

Expertise.com Rating

Review Sources

Google
5.0 (20)
Zillow
5.0 (13)
Yelp
5.0 (9)

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.

  • Mortgage Refinance
  • Mortgage Broker

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Sun American Mortgage - Mesa, Az
4140 East Baseline Road, Mesa, AZ 85206
Agave Home Loans
3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
All Reverse Mortgage, Inc.
7137 E Rancho Vista Dr #B05, Scottsdale, AZ 85251
Simplify Mortgage
8637 East Osborn Road, Scottsdale, AZ 85251
Ramon Francis
2301 South Stearman Drive, Chandler, AZ 85286
Jill Sheldon & Co. at CMG Financial
907 South Ash Avenue, Tempe, AZ 85281
Carrington Mortgage Services, LLC
585 North Juniper Drive, Chandler, AZ 85226
AZ Lending Experts, LLC
4500 South Lakeshore Drive, Tempe, AZ 85282
Misty Garrison
6909 West Ray Road, Chandler, AZ 85226
Starwest Mortgage Corporation
1818 East Southern Avenue, Mesa, AZ 85204
Aaron Chapman
1819 South Dobson Road, Mesa, AZ 85202
AZ Financial, LLC
4500 South Lakeshore Drive, Tempe, AZ 85282
Linda Stanley
14614 North Kierland Boulevard, Scottsdale, AZ 85254
Eric Kinneman
10429 South 51st Street, Phoenix, AZ 85044
Legacy Lending USA
4500 South Lakeshore Drive, Tempe, AZ 85282
Original Mortgage
3835 North 32nd Street, Phoenix, AZ 85018
Summit Funding Inc.
1400 E Southern Ave Suite 220, Tempe, AZ 85282
PHX Lending
10429 South 51st Street Suite 275, Phoenix, AZ 85044

FAQs

  • 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.