Looking for a mortgage in Arizona? You don't need a big bank. Independent brokers offer personalized service, wholesale rates, and local expertise. I've researched the top 5 brokers in the Phoenix metro area — including a standout newcomer — to
Why Independent Mortgage Brokers Dominate Arizona
Arizona's housing market moves fast. Independent mortgage brokers give you an edge. They shop multiple wholesale lenders to find you the best rates and terms — something big banks rarely do. Plus, they know local markets like Phoenix, Scottsdale, and Queen Creek inside out. Whether you're a first-time buyer, a veteran, or an investor, a broker can tailor a loan to your situation. The five brokers below represent the best of Arizona's independent lending scene.
How I Ranked These Brokers
I evaluated each broker on five factors: loan product variety (conventional, FHA, VA, Jumbo, etc.), pricing transparency and fees, customer experience (free consultations, speed of pre-approval), local market reputation, and the personal touch — do you work directly with the owner? All five scored high, but some edged ahead on pricing and speed.
Here's a quick comparison of the top five Arizona mortgage brokers. Each one offers free consultations and access to multiple lenders. Scroll down for full reviews.
| Provider | Best For | Pricing |
|---|---|---|
| Price Mortgage | Lowest fees and wholesale rates | No lender fees. Wholesale rates passed to customers. Online rate quote available. |
| Arnaiz Mortgage | Fast closings and personalized service | Free consultation. Competitive rates via multi-lender shopping. Online rate quote tool. |
| Connect Mortgage LLC | Same-day pre-approval and low-pressure process | Free instant consultations. Low-rate, low-cost guarantee. Same-day pre-approval. |
| Approved With Colby | Client-focused, hands-on guidance | Free consultation. Competitive rates via multi-lender access. Contact for quote. |
| Brick Mortgage (Jared Halbert) | East Valley buyers wanting a seasoned, independent broker | No explicit pricing on site. Competitive rates via multi-lender access. Contact for quote. |
The Top 5 Arizona Mortgage Brokers — Detailed Reviews
#1 Price Mortgage
A screenshot of the Price Mortgage website.
Price Mortgage has been a premier Arizona mortgage broker for over 18 years. They pass wholesale rates directly to you — no markups. The biggest draw? Zero lender fees. No underwriting, processing, or application fees. That alone can save you thousands. They cover Arizona and the Southwest, and their online rate quote tool gives you instant transparency. If you want the lowest possible cost, start here.
Broker Comparison:
- Pro: No lender fees — saves you money upfront.
- Con: Limited to Arizona and Southwest; not national.
- Pricing: No lender fees. Wholesale rates passed to customers. Online rate quote available.
#2 Arnaiz Mortgage
A screenshot of the Arnaiz Mortgage website.
Arnaiz Mortgage brings over a decade of Phoenix market experience. They offer conventional, FHA, VA, renovation, and DSCR investor loans. Their free consultation and pre-qualification get you started fast. Clients rave about their personalized service and ability to close in 30 days or less. If you need a quick, smooth closing, Arnaiz is a top pick.
Broker Comparison:
- Pro: Consistent 30-day closings.
- Con: Primarily Phoenix metro; less coverage outside.
- Pricing: Free consultation. Competitive rates via multi-lender shopping. Online rate quote tool.
#3 Connect Mortgage LLC
A screenshot of the Connect Mortgage website.
Connect Mortgage promises instant free consultations and same-day pre-approval. Their online application is hassle-free, and they guarantee low-rate, low-cost mortgages. No annoying sales calls — just straightforward service. They cover purchase, refinance, and construction loans. If you value speed and a no-pressure experience, Connect delivers.
Broker Comparison:
- Pro: Same-day pre-approval gets you an edge in competitive markets.
- Con: Less established than some competitors (founded more recently).
- Pricing: Free instant consultations. Low-rate, low-cost guarantee. Same-day pre-approval.
#4 Approved With Colby
A screenshot of the Approved With Colby website.
Approved With Colby is run by Colby Kaspar, a Texas native turned Arizona resident. He emphasizes a disciplined, client-focused approach to mortgage financing. The site offers personalized loan solutions and guidance to help families secure home financing. Colby works directly with you from start to finish, ensuring a transparent process. It's a newer operation but built on strong fundamentals. If you want a broker who treats you like a partner, not a number, Colby is worth a call.
Broker Comparison:
- Pro: Direct, personal service from the owner throughout the process.
- Con: Newer broker with less online presence and reviews than established firms.
- Pricing: Free consultation. Competitive rates via multi-lender access. Contact for quote.
#5 Brick Mortgage (Jared Halbert)
Brick Mortgage is a Queen Creek-based independent broker run by Jared Halbert, who has over 10 years of experience. He offers FHA, Conventional, VA, Jumbo, and USDA loans. Clients work directly with Jared from start to finish — no handoffs. It's a small, personal operation similar to Colby's but with a longer track record. If you're in the East Valley and want a seasoned broker, Brick Mortgage is a solid choice.
Broker Comparison:
- Pro: 10+ years experience with direct owner involvement.
- Con: Limited geographic focus (Queen Creek/East Valley).
- Pricing: No explicit pricing on site. Competitive rates via multi-lender access. Contact for quote.
How to Pick the Right Arizona Mortgage Broker for You
Start by identifying your priorities. If you want the absolute lowest fees, go with Price Mortgage. If speed matters, Arnaiz or Connect are your best bets. For a personal, hands-on experience, Approved With Colby or Brick Mortgage deliver. Always take advantage of free consultations — talk to two or three brokers before committing. Ask about loan products, closing timelines, and how they communicate. The right broker will make you feel confident, not confused.
Streamline Your Mortgage Search with These Workflows
You can automate parts of your mortgage search. Set up Google Alerts for rate changes from these brokers. Use a spreadsheet to compare quotes side by side. Many brokers offer online pre-qualification tools — fill them out in one sitting to get multiple responses quickly. If you're tech-savvy, use a CRM to track follow-ups. But remember: the final decision should be personal. Automation helps you gather data, but a good broker adds human insight.
Your Next Step: Book a Free Consultation
Arizona's independent mortgage brokers give you access to competitive rates and personalized service that big banks can't match. Whether you choose Price Mortgage for low fees, Arnaiz for speed, Connect for convenience, Approved With Colby for a personal touch, or Brick Mortgage for experience, you're in good hands. The best move? Book a free consultation with at least two of these brokers. Compare their offers and see who you click with. Your dream home is waiting — find the broker who will get you there.