Arizona loan officerNMLS #2735366
Your Arizona home loan made simple.
I’m Patrick, a mortgage loan officer. I help you finance a home or refinance in Arizona, comparing loans from a network of lenders to find the one that fits you.
- No hard credit pull to pre-qualify
- No-cost consultation
Illustration of the mortgage process: your scenario is reviewed and pre-qualified, programs from a network of lenders are checked against it and the best fit is matched, closing documents are signed and marked clear to close, then the home comes into focus at dusk with the lights on.
How it works
One application. A whole network of lenders.
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Tell me your scenario
Every situation is different. A quick, no-cost conversation about your goals and finances.
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I compare lenders for you
Conventional, government, jumbo, bank statement and non-QM, across my lender network.
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You get the right fit
The option tailored to your needs, and I handle everything to closing.
Google reviews
What clients say.
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“It was a pleasure working with Patrick. Financing a home can be complicated when you do not fit the mold of a traditional buyer, but Patrick did a fantastic job getting us to the closing table. Patrick thoroughly reviewed our finances to set us up for a successful outcome. … We will definitely work with Patrick again on our next real estate transaction.”
Gary C.Sep 2026 -
“Working with Patrick and his team on my loan was great. He was readily available and communicative and took time to answer all of my questions, which I certainly appreciated as a first time home buyer. Far better and more personalized service than other brokers I considered! Would work with him again!”
Alexis D.Jul 2026 -
“Buying a home can be stressful, especially as a first-time homebuyer, but he made the entire process feel so much more manageable. He was incredibly responsive, patient with my million questions, and always took the time to explain my options without ever making me feel rushed or pressured. … I never felt like just another file on his desk.”
Alana P.Jul 2026 -
“Patrick was absolutely incredible throughout our entire home-buying journey. … He took the time to explain every step of the loan process, answered every question we had with patience, and made what could have been a stressful experience feel smooth and manageable. … Thanks to Patrick’s hard work and dedication, we are officially homeowners, and we couldn’t be more grateful.”
Megan M.Jul 2026 -
“Available and professional at every contact. Took the time to hear our complete needs and matched a product perfectly, Will not go elsewhere for loan needs or advice.”
Tom S.Jun 2026 -
“Great experience working with Patrick. He was communicative, professional, and helped make the transaction a smooth one for our clients. Looking forward to working together again.”
Veronica F.Jun 2026 -
“There are a lot of mortgage professionals out there, but Patrick separates himself with his ability to solve problems and think outside the box. When most people see obstacles, Patrick sees options. His knowledge of both traditional financing and assumable loans gave us opportunities we wouldn't have discovered on our own.”
Jeremy F.Jun 2026 -
“Patrick was just excellent every step of the way. Made the entire process extremely easy for us! Would certainly recommend him to all friends and family.”
Ibrahim S.May 2026 -
“Patrick was very helpful in the process of obtaining a mortgage for our new home. He reviewed the options which were available to us and answered all of our questions. The process was smooth and we enjoyed working with Patrick.”
Tammy F.May 2026 -
“Patrick was a pleasure to work with. He’s very knowledgeable, client focused and takes the time to ensure client has a clear understanding before making financial commitments. I highly recommend him for financing services needs!”
Sharmila A.Apr 2026
Reviews from Google. Longer ones are shortened, with “…” marking each cut. Rating as of October 2026. Every client’s situation is different.
Who I help
Home financing for every stage.
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About
Hi, I’m Patrick.
I’m an Arizona loan officer with Unified Mortgage Experts. My job is simple: find you the right loan, explain it in plain English and get you to closing without surprises.
- A network of lenders, one point of contact
- Self-employed & non-traditional income
- Fast replies, real answers
- Assumable-loan specialist
My specialty
Some homes come with a lower rate.
Some FHA, VA and USDA loans can be taken over by the buyer, low rate included. I’ll tell you if a home qualifies.
How assumptions workSubject to servicer/agency approval and buyer qualification.
Arizona markets
Local knowledge, city by city.
From historic Phoenix bungalows to Gilbert’s master-planned neighborhoods and Paradise Valley estates, financing looks different in every corner of the Valley.
- Phoenix One city, many different housing markets.
- Scottsdale Condos, golf courses and desert estates, each with its own rules.
- Mesa Room to grow, and more ways to finance it.
- Gilbert Master-planned neighborhoods, and a lot of assumable loans.
- Chandler Tech jobs, planned neighborhoods and a lively downtown.
- Tempe Central, walkable and built around a university.
- Queen Creek Farm-town roots, new-build neighborhoods and space to spread out.
- Paradise Valley Quiet streets, mountain views and careful financing.
- East Valley Many cities, one corridor, and a lot of assumable loans.
Why work with a mortgage broker instead of a bank?
A bank can only offer its own loans. As a broker, I compare programs across a network of lenders, and I can add lenders when a scenario calls for it. Lenders price the same borrower differently. Comparing them helps find the program, rate and terms that fit your situation. It doesn’t guarantee a particular rate or approval, but it gives you far more options.
I’m self-employed. Can I still qualify?
Often, yes. Along with traditional loans, I have access to bank statement and other non-QM programs that look at income differently, for example using bank statements instead of tax returns. These programs have their own requirements and pricing, and not everyone qualifies, but they open doors traditional loans can’t.
What does it cost to get pre-qualified?
Nothing. Pre-qualification is a conversation and a review of your goals and basic finances. A full preapproval later involves documentation and a credit review, and I’ll tell you before anything affects your credit.
Should I wait for rates to drop before buying?
Nobody can reliably predict rates. A better question is whether the payment fits your budget today and whether the home fits your life. If rates fall later, refinancing may be an option, but there’s no guarantee rates drop or that you’ll qualify to refinance, so I’ll run the numbers both ways before you decide.
What is an assumable mortgage?
Some FHA, VA and USDA loans can be taken over by a qualified buyer, along with the seller’s existing rate and remaining term. Assumptions are subject to servicer/agency approval and buyer qualification, and not every loan, buyer or property qualifies.