--- canonical_url: https://lendb.ai/s/first-time-buyer/arizona last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Arizona As of 2026-10-09, LenDb lists 470 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. ## Ranked, with reasons 1. **[Sonya Smith Graves](https://lendb.ai/lo/sonya-smith-graves-249583)** (NMLS 249583), Fairway Independent Mortgage Corporation, Glendale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Glendale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 2. **[Aerick Squier](https://lendb.ai/lo/aerick-squier-212834)** (NMLS 212834), American Pacific Mortgage, Glendale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Glendale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-09) 3. **[Tim Jorden](https://lendb.ai/lo/tim-jorden-174356)** (NMLS 174356), Homeowners Financial Group, Scottsdale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 4. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 5. **[Phil Lyman](https://lendb.ai/lo/phil-lyman-218232)** (NMLS 218232), Guild Mortgage, Portland, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 6. **[Amber Page](https://lendb.ai/lo/amber-page-229184)** (NMLS 229184), Evergreen Home Loans, Silverdale, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 13, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 7. **[Nancy Siples](https://lendb.ai/lo/nancy-herrera-256016)** (NMLS 256016), Guild Mortgage, Riverside, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 8. **[Julie Johnson](https://lendb.ai/lo/julie-johnson-302214)** (NMLS 302214), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 3, 2025 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 9. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2017 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 10. **[Mike Molina](https://lendb.ai/lo/mike-molina-230545)** (NMLS 230545), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-09) 11. **[Kyle Pursley](https://lendb.ai/lo/kyle-pursley-841347)** (NMLS 841347), CrossCountry Mortgage, Scottsdale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 13 years of experience (lender page, 2026-10-09) 12. **[Sheilla Lavadia](https://lendb.ai/lo/sheilla-lavadia-1399453)** (NMLS 1399453), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2023 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 13. **[Pat Fox](https://lendb.ai/lo/pat-fox-199779)** (NMLS 199779), Union Home Mortgage, Tigard, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 14. **[Amy Lyn Blauser](https://lendb.ai/lo/amy-lyn-blauser-215193)** (NMLS 215193), Barrett Financial Group, Chandler, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 14, 2015 (Florida), per state regulator 15. **[Andrea Eggleton](https://lendb.ai/lo/andrea-eggleton-1122404)** (NMLS 1122404), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 8, 2020 (Colorado), per state regulator - States 17 years of experience (lender page, 2026-10-09) 16. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 11, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 17. **[Mindy Hay](https://lendb.ai/lo/mindy-hay-292224)** (NMLS 292224), Union Home Mortgage, Tigard, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 18. **[Wendy St Clair](https://lendb.ai/lo/wendy-st-clair-475089)** (NMLS 475089), Empire Home Loans, Fair Oaks, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 19. **[Joe McBreen](https://lendb.ai/lo/joseph-mcbreen-686541)** (NMLS 686541), CrossCountry Mortgage, Michigan City, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 16, 2018 (Florida), per state regulator - States 16 years of experience (lender page, 2026-10-09) 20. **[Jenn Gawenda](https://lendb.ai/lo/jennifer-gawenda-755952)** (NMLS 755952), Guild Mortgage, Aurora, IL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 8, 2018 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-09) 21. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 28, 2019 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 22. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 4, 2022 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 23. **[Cheri West](https://lendb.ai/lo/cheri-west-501323)** (NMLS 501323), Guild Mortgage, Centennial, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 29, 2011 (Colorado), per state regulator 24. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 28, 2024 (Colorado), per state regulator - States 30 years of experience (lender page, 2026-10-09) 25. **[Emmett Colon](https://lendb.ai/lo/emmett-colon-1370263)** (NMLS 1370263), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._