Arizona's Trusted Mortgage Partner

Specializing in home purchase, construction, and renovation loans in Chandler and the Phoenix metro area.

Purchase a Home Build a Home

Today's Mortgage Rates in Arizona

30-Year Fixed 6.25%
15-Year Fixed 5.50%
5/1 ARM 5.75%
Rates updated daily. Last update: February 24, 2025

Mortgage Solutions for Every Need

Whether you're buying, building, or renovating, we have the right loan for you.

Home Purchase

Purchase Loans

Find the perfect loan for your new home purchase, with options for first-time buyers, conventional, FHA, and VA loans.

  • Low down payment options
  • Competitive rates
  • Fast pre-approvals
Learn More
Construction Loans

Construction Loans

Build your dream home with our specialized construction financing options for custom and spec homes.

  • One-time close options
  • Flexible draw schedules
  • Lot purchase included
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Renovation Loans

Renovation Loans

Transform your current home or fix up a fixer-upper with our renovation loan programs.

  • FHA 203k options
  • Fannie Mae HomeStyle
  • Renovation cost included
Learn More

Simple Mortgage Process

We make getting a mortgage straightforward and stress-free.

1

Pre-Qualification

Complete a quick application to determine your buying power and loan options.

2

Find Your Property

Shop for your dream home or lot with confidence knowing what you can afford.

3

Loan Application

Submit your full application with the property details and required documentation.

4

Processing & Underwriting

We verify your information and prepare your loan for approval.

5

Closing

Sign your final documents and receive the keys to your new property.

Start Your Application
Josh Cotner, Mortgage Specialist

Meet Josh Cotner

With years of experience in the Arizona mortgage industry, Josh specializes in helping clients find the perfect financing solution for their unique needs.

Whether you're a first-time homebuyer, looking to build your dream home, or planning a major renovation, Josh's expertise and personalized approach ensure you get the best rates and terms available.

Based in Chandler, Arizona, Josh serves clients throughout the Phoenix metropolitan area with a commitment to exceptional service and timely closings.

Learn More About Josh

What Our Clients Say

Don't just take our word for it - hear from our satisfied clients.

"Josh made our first home buying experience incredibly smooth. He explained everything clearly and was always available to answer our questions. We got a great rate and closed on time!"

Michael & Sarah Johnson

First-Time Homebuyers, Chandler

"Building our custom home seemed daunting until we met Josh. He guided us through the construction loan process and helped us understand each phase. His expertise was invaluable!"

Robert & Lisa Martinez

Custom Home Construction, Gilbert

"We purchased a fixer-upper and Josh recommended a renovation loan that allowed us to include all the repairs in one mortgage. The process was seamless and we love our newly renovated home!"

David & Jennifer Williams

Renovation Loan, Tempe

Ready to Get Started?

Contact us today for a free consultation and personalized rate quote.

Get Pre-Qualified