Loan programs · Arizona
DSCR loan officers in Arizona
As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Arizona whose lender pages show DSCR loan work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Erik Browning (CrossCountry Mortgage, Scottsdale) and Eric Whitney Hexum (Guild Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 14
- 1
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- DSCR loan
- 1099 income
- Bank statement loan
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- DSCR loan
- FHA loan
- HELOC
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- Licensed since 2025 (per Florida records)
- 3
Eric Whitney HexumNMLS 1569697
Guild Mortgage · Kennewick, WA · licensed in 3 states
- DSCR loan
- Down payment assistance
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 4
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- DSCR loan
- Bank statement loan
- Down payment assistance
- FHA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Saran MandhadapuNMLS 2417126
Loan Factory · Mortgage broker · licensed in 10 states
- DSCR loan
- Non-QM loan
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 6
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- DSCR loan
- Bank statement loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- 7
Steve AndersonNMLS 1096829
Lit Financial Corporation · licensed in 12 states
- DSCR loan
- Bank statement loan
- HELOC
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- 8
Kyle BrunetNMLS 1237678
Lit Financial Corporation · licensed in 9 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 9
Tyler FrantangeloNMLS 1211919
Lit Financial Corporation · licensed in 8 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Colorado records)
- 10
Ayeh KlaitNMLS 1855448
Lit Financial Corporation · licensed in 7 states
- DSCR loan
- HELOC
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 11
Desiree' ByrneNMLS 2122934
Xpert Home Lending · Mortgage broker · licensed in 16 states
- DSCR loan
- Construction loan
- HELOC
- Renovation loan (203k / HomeStyle)
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Colorado records)
- 12
Ryan McGranNMLS 2520487
Lit Financial Corporation · licensed in 19 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Colorado records)
- 13
Jerry NortonNMLS 2773844
Loan Factory · Mortgage broker · licensed in 3 states
- DSCR loan
- HELOC
- Reverse mortgage
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- 14
Matthew HergertNMLS 234563
Xpert Home Lending · Mortgage broker · licensed in 2 states
- DSCR loan
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
Before you choose
Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.
- What minimum DSCR do you require, and how do you calculate rent?
- Can I close in an LLC?
- What prepayment penalty options do you offer?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a AZ license is confirmed with the state regulator (check mark), AZ is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.