Borrower situations · Arizona

Loan officers for first-time buyers in Arizona

As of 2026-10-09, LenDb lists 462 loan officers licensed in or based in Arizona whose lender pages show First-time buyer work. The top-ranked are Sonya Smith Graves (Fairway Independent Mortgage Corporation, Glendale), Aerick Squier (American Pacific Mortgage, Glendale) and Tim Jorden (Homeowners Financial Group, Scottsdale). 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 25

  1. 1

    Sonya Smith GravesNMLS 249583

    Fairway Independent Mortgage Corporation · Glendale, AZ

    • First-time buyer
    • FHA loan
    • VA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Office in Glendale, AZ
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Aerick SquierNMLS 212834

    American Pacific Mortgage · Glendale, AZ · licensed in 4 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Office in Glendale, AZ
    • States 19 years of experience (lender page, 2026-10-09)
  3. 3

    Tim JordenNMLS 174356

    Homeowners Financial Group · Scottsdale, AZ

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Office in Scottsdale, AZ
    • States 28 years of experience (lender page, 2026-10-09)
  4. 4

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • First-time buyer
    • Real estate investor
    • VA loan
    • FHA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Phil LymanNMLS 218232

    Guild Mortgage · Portland, OR · licensed in 5 states

    • First-time buyer
    • Real estate investor
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 23 years of experience (lender page, 2026-10-09)
  6. 6

    Amber PageNMLS 229184

    Evergreen Home Loans · Silverdale, WA · licensed in 14 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Nancy SiplesNMLS 256016

    Guild Mortgage · Riverside, CA · licensed in 4 states

    • First-time buyer
    • Down payment assistance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 30 years of experience (lender page, 2026-10-09)
  8. 8

    Julie JohnsonNMLS 302214

    CrossCountry Mortgage · Seattle, WA · licensed in 28 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  9. 9

    Chad RankinNMLS 490282

    Guild Mortgage · Worcester, MA · licensed in 38 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  10. 10

    Mike MolinaNMLS 230545

    Intercap Lending · Cottonwood Heights, UT · licensed in 6 states

    • First-time buyer
    • Real estate investor
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 19 years of experience (lender page, 2026-10-09)
  11. 11

    Kyle PursleyNMLS 841347

    CrossCountry Mortgage · Scottsdale, AZ

    • First-time buyer
    • Down payment assistance
    • VA loan
    • FHA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Office in Scottsdale, AZ
    • States 13 years of experience (lender page, 2026-10-09)
  12. 12

    Sheilla LavadiaNMLS 1399453

    Loan Factory · Mortgage broker · licensed in 10 states

    • First-time buyer
    • 1099 income
    • Real estate investor
    • Self-employed
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 22 years of experience (lender page, 2026-10-09)
  13. 13

    Pat FoxNMLS 199779

    Union Home Mortgage · Tigard, OR · licensed in 6 states

    • First-time buyer
    • Real estate investor
    • Vacation home
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  14. 14

    Amy Lyn BlauserNMLS 215193

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 3 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Office in Chandler, AZ
    • Licensed since 2015 (per Florida records)
  15. 15

    Andrea EggletonNMLS 1122404

    Intercap Lending · Cottonwood Heights, UT · licensed in 5 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Colorado records)
    • States 17 years of experience (lender page, 2026-10-09)
  16. 16

    Dan LarkinNMLS 258898

    LeaderOne Financial · Oak Brook, IL · licensed in 18 states

    • First-time buyer
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  17. 17

    Mindy HayNMLS 292224

    Union Home Mortgage · Tigard, OR · licensed in 3 states

    • First-time buyer
    • VA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 16 years of experience (lender page, 2026-10-09)
  18. 18

    Wendy St ClairNMLS 475089

    Empire Home Loans · Mortgage broker · Fair Oaks, CA · licensed in 3 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  19. 19

    Joe McBreenNMLS 686541

    CrossCountry Mortgage · Michigan City, IN · licensed in 22 states

    • First-time buyer
    • Real estate investor
    • FHA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 16 years of experience (lender page, 2026-10-09)
  20. 20

    Jenn GawendaNMLS 755952

    Guild Mortgage · Aurora, IL · licensed in 7 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Colorado records)
    • States 20 years of experience (lender page, 2026-10-09)
  21. 21

    Jeffrey ZulaufNMLS 18566

    CrossCountry Mortgage · Suwanee, GA · licensed in 22 states

    • First-time buyer
    • Condo
    • Real estate investor
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  22. 22

    Nathan FitzgeraldNMLS 369554

    CrossCountry Mortgage · Orlando, FL · licensed in 15 states

    • First-time buyer
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • HELOC
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  23. 23

    Cheri WestNMLS 501323

    Guild Mortgage · Centennial, CO · licensed in 6 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Colorado records)
  24. 24

    Devin FahrnerNMLS 399405

    American Pacific Mortgage · Eagle, ID · licensed in 17 states

    • First-time buyer
    • VA loan
    • Real estate investor
    • Reverse mortgage
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Colorado records)
    • States 30 years of experience (lender page, 2026-10-09)
  25. 25

    Emmett ColonNMLS 1370263

    Loan Factory · Mortgage broker · licensed in 3 states

    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists First-time buyer on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)

Before you choose

The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.

  • Which low down payment programs fit my situation?
  • Am I eligible for any first-time buyer assistance here?
  • What will my total cash to close be?

More about First-time buyer

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=first-time-buyer&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.