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Borrower situations · Arizona

Loan officers for real estate investors in Arizona

As of 2026-10-09, LenDb lists 221 loan officers licensed in or based in Arizona whose lender pages show Real estate investor work. The top-ranked are Scott Kravitz (CrossCountry Mortgage, Scottsdale), Ryan Arzner (CrossCountry Mortgage, McMinnville) and Charity Maupin (CrossCountry Mortgage, Henderson). 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

    Scott KravitzNMLS 2665489

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 2 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 20 years experience (stated on lender page, 2026-10-09)
  2. 2

    Ryan ArznerNMLS 247157

    CrossCountry Mortgage · McMinnville, OR · licensed in 4 states

    • Real estate investor
    • Construction loan
    • VA loan
    • FHA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Charity MaupinNMLS 358059

    CrossCountry Mortgage · Henderson, NV · licensed in 4 states

    • Real estate investor
    • Self-employed
    • FHA loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Silvia EstradaNMLS 203538

    Guild Mortgage · Chandler, AZ

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 20 years experience (stated on lender page, 2026-10-09)
  5. 5

    Joe McBreenNMLS 686541

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

    • Real estate investor
    • First-time buyer
    • FHA loan
    • Lists Real estate investor 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
  6. 6

    Robert LeisNMLS 766451

    Loan Factory · Mortgage broker · Scottsdale, AZ

    • Real estate investor
    • Construction loan
    • DSCR loan
    • FHA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 9 years licensed
  7. 7

    Maggie MikaitisNMLS 1395394

    CrossCountry Mortgage · Chicago, IL · licensed in 36 states

    • Real estate investor
    • Condo
    • Jumbo loan
    • Non-QM loan
    • Lists Real estate investor 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
  8. 8

    Katie HammNMLS 185848

    Guild Mortgage · Portland, OR · licensed in 5 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Real estate investor 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
  9. 9

    Phil LymanNMLS 218232

    Guild Mortgage · Portland, OR · licensed in 5 states

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 23 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Katy CanalesNMLS 270783

    Churchill Mortgage · Salem, OR · licensed in 3 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 29 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Cody BegdorianNMLS 755908

    Barrett Financial Group · Mortgage broker · Camas, WA · licensed in 5 states

    • Real estate investor
    • Condo
    • First-time buyer
    • Jumbo loan
    • Lists Real estate investor 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
  12. 12

    Jeffrey ZulaufNMLS 18566

    CrossCountry Mortgage · Suwanee, GA · licensed in 22 states

    • Real estate investor
    • Condo
    • First-time buyer
    • Lists Real estate investor 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
  13. 13

    Shantel WilliamsNMLS 1710848

    CrossCountry Mortgage · Sierra Vista, AZ · licensed in 2 states

    • Real estate investor
    • VA loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 15 years experience (stated on lender page, 2026-10-09)
  14. 14

    Anthony CasteloNMLS 2016974

    Loan Factory · Mortgage broker · Arizona

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 6 years licensed
  15. 15

    Pat FoxNMLS 199779

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

    • Real estate investor
    • First-time buyer
    • Vacation home
    • VA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  16. 16

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • Real estate investor
    • First-time buyer
    • VA loan
    • FHA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Joe MagallanesNMLS 491678

    CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states

    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • Self-employed
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • Real estate investor
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  19. 19

    Jonathan JaidarNMLS 561082

    Churchill Mortgage · Claremont, CA · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor 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
  20. 20

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • Real estate investor
    • First-time buyer
    • FHA loan
    • USDA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Lori WrayNMLS 283934

    American Pacific Mortgage · Roseville, CA · licensed in 5 states

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Roger WightmanNMLS 1089536

    Churchill Mortgage · Portland, OR · licensed in 16 states

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 13 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  23. 23

    Jeff O'BraskyNMLS 236692

    Homeowners Financial Group · Scottsdale, AZ · licensed in 7 states

    • Real estate investor
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 40 years experience (stated on lender page, 2026-10-09)
  24. 24

    Blayney WhiteNMLS 239189

    CrossCountry Mortgage · Petaluma, CA · licensed in 12 states

    • Real estate investor
    • Non-QM loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Karen FloresNMLS 1113120

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

    • Real estate investor
    • 1099 income
    • Down payment assistance
    • FHA loan
    • Lists Real estate investor 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

Before you choose

Agency limits on financed properties, reserves and rental income treatment push experienced investors toward specialized lenders.

  • How many financed properties can I have with your programs?
  • Can I close in an LLC?
  • Do you offer DSCR or portfolio loans if I hit agency limits?

More about Real estate investor

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AZ or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=investor&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.