About Patrick

Your Arizona loan officer, start to finish.

I help Arizona buyers and homeowners find the right home loan. I work with a wide network of lenders and their loan programs to find the one tailored to your situation, explain it in plain English and stay with you all the way to closing.

I work with buyers and homeowners across Greater Phoenix: Phoenix, Scottsdale, Mesa, Tempe, Gilbert, Chandler, Queen Creek, Paradise Valley and beyond. First-time buyers, move-up buyers, veterans, investors, jumbo buyers and homeowners looking to refinance.

Instead of offering one lender’s menu, I work with a wide network of lenders and can add new ones when a scenario calls for it, including bank statement and non-QM options for self-employed borrowers and non-traditional income. Every scenario is different; my job is to find the one that fits yours.

I also specialize in loan assumptions. When a home has an assumable FHA, VA or USDA loan, I can evaluate whether taking it over, gap and all, beats a brand-new mortgage. When it doesn’t, we move forward with the financing that fits your goals.

Expect plain-English explanations, quick replies and a process that respects your time.

Horseshoe Bend on the Colorado River in northern Arizona

Licensing

Patrick Celaya
Loan Officer · NMLS #2735366
Unified Mortgage Experts
Company NMLS #1891147
Verify on NMLS Consumer Access

How I work

Four principles, every file.

Not one bank’s menu

I compare programs across a wide network of lenders, so your loan is matched to your scenario.

Options before products

I start with your goals and show you the realistic paths (new loan, assumption, or waiting) before recommending anything.

Numbers you can follow

Payment, cash to close, break-even and long-term cost, laid out clearly. No mystery math.

Honest about trade-offs

If an assumption doesn’t pencil out or a refinance doesn’t make sense, I’ll say so.

Google reviews

What clients say.

5.0 14 reviews on Google
  • “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.

Get started

See what you qualify for, no pressure.

A two-minute start, a real conversation, and a clear picture of your options. No hard credit pull to get started.

Typical reply: same business day · NMLS #2735366