--- canonical_url: https://lendb.ai/s/condo/arizona last_verified: 2026-10-09 --- # Condo loan officers in Arizona As of 2026-10-09, LenDb lists 67 loan officers licensed in or based in Arizona whose lender pages show Condo work. The top-ranked are Joe Conner (Homeowners Financial Group, Scottsdale), Cody Begdorian (Barrett Financial Group, Camas) and Renee Sacco (Union Home Mortgage, Phoenix). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Joe Conner](https://lendb.ai/lo/joe-conner-237006)** (NMLS 237006), Homeowners Financial Group, Scottsdale, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - Branch in Arizona - 8 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 2. **[Cody Begdorian](https://lendb.ai/lo/cody-begdorian-755908)** (NMLS 755908), Barrett Financial Group, Camas, WA - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 20 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 3. **[Renee Sacco](https://lendb.ai/lo/renee-sacco-453805)** (NMLS 453805), Union Home Mortgage, Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - Branch in Arizona - No disciplinary actions on file at LenDb 4. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 5. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 7 years licensed - No disciplinary actions on file at LenDb 6. **[Teresa Sobrino](https://lendb.ai/lo/teresa-sobrino-450752)** (NMLS 450752), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 22 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 7. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 3 years licensed - No disciplinary actions on file at LenDb 8. **[Arnell Brady II](https://lendb.ai/lo/arnell-brady-1128672)** (NMLS 1128672), JPMorgan Chase Bank (Chase Home Lending), Chicago, IL - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 3 years licensed - No disciplinary actions on file at LenDb 9. **[Jason Valada](https://lendb.ai/lo/jason-valada-625151)** (NMLS 625151), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 14 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 10. **[Chad Lubben](https://lendb.ai/lo/chad-lubben-447796)** (NMLS 447796), CrossCountry Mortgage, Cornelius, NC - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 11. **[Juana F Ruiz](https://lendb.ai/lo/juana-f-ruiz-1249406)** (NMLS 1249406), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 10 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 12. **[Ryan Smith](https://lendb.ai/lo/ryan-smith-1389933)** (NMLS 1389933), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 10 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 13. **[Stephen Manuel](https://lendb.ai/lo/stephen-manuel-1196877)** (NMLS 1196877), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 9 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 14. **[Maru Eugenia Rosas](https://lendb.ai/lo/maru-eugenia-rosas-1626219)** (NMLS 1626219), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 8 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 15. **[Kayla Chase](https://lendb.ai/lo/kayla-chase-145990)** (NMLS 145990), Lit Financial Corporation - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 16. **[Michael N Wells](https://lendb.ai/lo/michael-n-wells-1257537)** (NMLS 1257537), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 7 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 17. **[Court Crofoot](https://lendb.ai/lo/court-crofoot-200175)** (NMLS 200175), CrossCountry Mortgage, Scottsdale, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - Branch in Arizona - 2 years licensed - No disciplinary actions on file at LenDb 18. **[Beatriz Villalobos](https://lendb.ai/lo/beatriz-villalobos-2175864)** (NMLS 2175864), CrossCountry Mortgage, Sierra Vista, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - Branch in Arizona - No disciplinary actions on file at LenDb 19. **[Chris Leon](https://lendb.ai/lo/chris-leon-854517)** (NMLS 854517), CrossCountry Mortgage, Sierra Vista, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - Branch in Arizona - No disciplinary actions on file at LenDb 20. **[Martin Ariel Fragala](https://lendb.ai/lo/martin-ariel-fragala-2214467)** (NMLS 2214467), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 5 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 21. **[Jonathan Herrera](https://lendb.ai/lo/jonathan-herrera-1659275)** (NMLS 1659275), JPMorgan Chase Bank (Chase Home Lending), Tempe, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 6 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 22. **[Brittany Jones](https://lendb.ai/lo/brittany-jones-1727701)** (NMLS 1727701), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 6 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 23. **[David Kime](https://lendb.ai/lo/david-kime-5211)** (NMLS 5211), CrossCountry Mortgage, Tucson, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - Branch in Arizona - No disciplinary actions on file at LenDb 24. **[Kyle Brunet](https://lendb.ai/lo/kyle-brunet-1237678)** (NMLS 1237678), Lit Financial Corporation - Lists Condo on lender page (lender page, verified 2026-10-09) - Licensed in AZ (listed on lender page, verified 2026-10-09) - 10 years licensed - No disciplinary actions on file at LenDb 25. **[Michelle J Jones](https://lendb.ai/lo/michelle-j-jones-1885945)** (NMLS 1885945), JPMorgan Chase Bank (Chase Home Lending), Tempe, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access - 3 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb ## Questions to ask - Is this project already approved or warrantable with your investors? - What documents do you need from the HOA, and who orders the condo questionnaire? - How do you handle a project with pending litigation or low reserves? Cite as: LenDb.ai, https://lendb.ai/s/condo/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._