While this was all done long distance, Chris and ALex have worked hard to push this refinancing…read moreloan through with good speed and careful work to avoid any problems. I appreciate their thoroughness and their frequent touching base, so I know what's going on.

I cannot say enough great things about Jared and Dylan. They are two of the most talented,…read moreprofessional, and dedicated individuals I have had the pleasure of working with throughout my refinance process. From start to finish, they made everything incredibly smooth and stress-free. Whenever they requested documentation or information, I made sure they received it within 24 hours, and they consistently stayed on top of every detail to keep the process moving forward efficiently. What stood out most was their communication. Jared and Dylan were always responsive, transparent, and easy to work with. They took the time to listen to my needs, understand my goals, and ultimately helped me achieve exactly what I was hoping for. Because of the outstanding experience I had, I fully intend to return next year and would gladly work with them again. In fact, they are currently helping my mother and brother with their home purchase, which speaks volumes about the trust and confidence my family has in them. Thank you, Jared and Dylan, for everything you did for my family and me. Your hard work, professionalism, and commitment to your clients truly set you apart. I highly recommend them to anyone looking for a knowledgeable and dependable team.

We were in search of a mortgage company for a second home in AZ. I am grateful 1st Rate Home…read moreMortgage came highly recommend and that my husband and I decided to move forward with them. From the initial first call and all the way through the time of close, Joe was always available via email, phone, and text. Very rarely will you find a mortgage company that is available on the weekends to chat with when you are getting ready to send an offer on a home. Joe and his team were VERY instrumental in the home buying process and I even got compliments from my realtor on how responsive and on the ball he and his team were. A huge plus is that he sent us our pre-approval letter in less than 24 hours, which set us for success when we were ready to submit an offer that weekend. In addition, he and his team helped us close in 25 days! If you are looking for a mortgage company with incredible customer service and great rates, look no further and ask for Joe!

I refinanced my VA loan with this company and it was the smoothest, fastest and easiest mortgage…read moreprocess I have ever experienced! I have purchased several homes over the past 30 years and in the process also done several refinance and this was by far the best experience ever! Highly recommend them!

I can't say enough good things about this team! First, Scott goes above and beyond for his clients…read moreand is super knowledgeable about the mortgage industry. Contacting him and his team was the best thing I have done and I will be a customer for life. My boyfriend and I were looking at purchasing a home together. He owns a home already and I rent. My lease renewal was coming up and my landlord is a....I won't use cuss words. Anyway, I opted to buy something as renting as really changed over the past few years and it's really enjoyable anymore. We contacted a broker with Nexa Mortgage who kept dropping the ball so I went on Yelp to find a different one and that's when I found Scott and AZ Lending Experts. I contacted them and was SUPER impressed right from the initial conversation. Scott then contacted my realtor (who is also my sister) and she was also super impressed and will refer him to her clients. Anyway, my boyfriend and I were facing an issue with a contingency as when you own a home, it's sometimes difficult to buy a home as the offer would need to be contingent upon the sale of your existing home. My boyfriend was nervous and didn't want to sell his place without having a place lined up, which is understandable...and given the low inventory right now, it's difficult to wait for something to be listed and go under contract when you finally find a priority. Scott found a way around that for us. He also shared his recommendations, which we went with. His whole team is amazing...Emily is SUPER nice. I contacted her for the appraisal and she sent it right over to me and was just super polite and friendly. This is my first time buying a home and I have heard from others that it's a pain and a not-so-fun process but I honestly have to say it hasn't really been that bad for us and I have AZ Lending Experts to thank for that.

I've worked with Scott and his team three times now, 2 times buying homes and another when he…read morehelped my grandma refinance her house a few years ago; this in itself should show how much I trust them. They make the process easy, seamless and stress free, all while making sure they get the best rate they can for you. I trust Scott and will continue to work with him in the future when needed.

Worst mortgage broker ever! Do NOT deal with these falsely…read moremarketed & shady people. I was directed to them as I work in public education for the state of CA. They are the "Teacher Next Door" program lender. DO NOT be fooled - they are amazingly archaic, oblivious to the current real estate market, and offer very high interest rates! We applied for a pre-approval (not full underwriting) with a hard pull on our credit, submitted documents, proof of income and pay stubs. A week later, they reply and said they are sending out written letter of verification of employment. I said WHAT ? We are not at that stage of underwriting so I was confused. So we then get a call from their network "realtor" asking if we wanted to look for a home. I asked realtor "um where do you suggest we look for a home in Los Angeles County for under $400,000 ?". The realtor said nothing - I said, how about a vacant lot in the Mojave desert ? The realtor said she knows something about Southern California realty so tried to apologize. I could not believe the gall of this mortgage company to offer such a low amount to a state of California employee! Very disappointed with this company. Don't waste your time!

Experience I had with Jose Palomar NMLS # 1687471Company NMLS # NMLS-6274…read more He was pushy unprofessional, didn't have the courtesy to let us know he would be in meetings and wouldn't be able to conference on agreed upon time. He talks over you. Being deceptive about running credit even when told we were not ready yet. And this was only the beginning of the process. I think a job like this requires patience and understanding especially for first time homebuyers. Taking such a big responsibility is intimidating Upon reading other reviews online, I'm glad I didn't go through with them.

We worked with Brandon, and he was excellent. He took the time to explain everything thoroughly,…read moreanswered all of our questions, and always responded quickly whenever we reached out. The process was simple and straightforward, which we really appreciated. Not only did Brandon help us better understand our coverage, but Stewardship was also able to save us money on both our home and auto insurance compared to the agencies we were previously with. It feels great knowing we have good coverage and a team that is responsive and helpful when we need them. We highly recommend Brandon and the Stewardship team.

I've always been an entrepreneur so health insurance has always been a challenge. A friend…read moreconnected us to Ryan and he was the best!! He laid out all our options so we could compare and gave us great advice for what would work best for our family. It was great to speak to someone who does this everyday and we can count on as our business grows.

I've worked with Misty on the business-side of things, & I can honestly say no one is more…read moreefficient and reliable than her. Her social media is FIRE - you can tell she really cares about embodying a strong brand of empowerment for herself. Proud to get to work with her. #ladyboss

Misty recently did my mortgage refinance and I couldn't be any happier with my end result. I…read moredecided to give her 5 stars because not only was she able to get me a great rate, she did it by working with multiple banks, compared them all and made sure I got the absolute BEST deal available to me. Misty is super knowledgeable and was always quick to get back to me when I had questions or concerns. Her process was seamless and very easy, especially considering us doing this in the middle of a pandemic and mortgage refinance boom. If you are looking for a loan officer who is friendly, going to actually work to get you the best deal, who is truthful, and not just out to get your money, I would suggest not to look any further. Misty is very recomendable and I will definitely be utilizing her services for my future mortgage needs.

Joseph was absolutely phenomenal. The process seemed daunting at first but he made it super easy…read moreand I closed on my first home in March 2026. Really appreciate him and 10/10 recommend him for anyone looking to secure a loan.

James Caskey, my mortage broker just filed A PERSONAL INSURANCE CLAIM against my HOME OWNERS…read moreINSURANCE POLICY to try to collect money because I gave him a google review he didn't like 2.5 years ago. This is extremely unethical and makes me question what he is doing with my other sensitive information. The broker is James Caskey with Legacy Lending USA in Tempe Arizona.4500 S Lakeshore Dr Suite 205, Tempe, AZ 85282 (480) 776-6050. The claim number with my personal home owners insurance is Travelers Claim# INV4433. James Caskey did not like an honest google review I posted in 2019 about his business practices. He recently had someone contact me to remove the review. I stated I was open to removing it if the lender took accountability and apologized for the lies he told me and delays for 7 months and headache with wrong credit reports and funding that was the wrong amount and high interest. He did not apologize but sent another email indicating he was going to possibly "report" me somewhere. The following day I received a call from my homeowners insurance that James Caskey has filed a claim for money. For everyone to see here are some images of emails and dates that consumers can see of the headache I endured for 7 months.

We have worked with Eric twice for purchasing two different properties and he is extremely…read moreresponsive and helpful on getting things done in a timely manner. He made the loan process super easy and helped us make sure we gathered everything needed so the underwriting can be as smooth as possible. We were able to go from re-qual to closing just under 3 weeks for our new home with Eric's help. We highly recoomend Eric and his team!

I recently used Eric Kinneman at LendSmart to refinance my home loan and cash out some equity. He…read moreand his team made the process as painless as possible. The communication was excellent throughout the entire process. Even during the holidays he moved the process along smoothly so that we could close on time. I highly recommend Eric and his team.

My wife and I were looking for a house to purchase. The house that we found needed lots of work. We…read morehad doubts of not being able to find a lender. Claudia worked tirelessly, researching several lenders to see if the home was financeable. Claudia found us a lender! That lender would finance our home and help us transform it into our dream home! Claudia helped us every step of the way. She made herself available for any and all of our questions. Claudia even had the foresight to ask us questions and prepare us for parts of the process that would happen weeks down the road. We are so happy to have worked with Claudia. She really made our dream a reality. My wife and I are now in our dream home. We know this was only possible due to the expertise and dedication of Claudia. Thank you, Claudia!

From the owner: Every homebuyer's journey is unique, and so are our solutions. We specialize in a wide array of…read moremortgage options, including conventional loans, VA loans, ITIN mortgages, and more. Our team, equipped with deep industry knowledge and a commitment to personalized service, ensures that you find the perfect match for your financial situation and homeownership goals. Whether you're buying your first home, refinancing, or exploring non-traditional paths to property ownership, we provide clear, concise, and compassionate guidance every step of the way