Access to 50+ lenders. Better rates than your bank. FHA, VA, Conventional, Jumbo, USDA & more. Licensed throughout Arizona — NMLS #1525192.
Get Pre-Approved Today Call 480-330-1724This is the most important question Arizona homebuyers don't ask often enough. The answer can save you tens of thousands of dollars.
| Factor | Mortgage Broker (Todd Uzzell) | Your Bank or Credit Union | Big Online Lender |
|---|---|---|---|
| Lender Access | ✓ 50+ wholesale lenders | ✗ Their products only | ✗ Their products only |
| Rate Shopping | ✓ Shops rates for you | ✗ One rate offered | ✗ One rate offered |
| Loan Programs | ✓ FHA, VA, USDA, Jumbo, Non-QM, DPA | ✗ Limited selection | ⚠️ Moderate selection |
| Local Arizona Expertise | ✓ 20+ years, Arizona-only | ✗ National policies | ✗ Call center model |
| Personal Service | ✓ Direct access to your lender | ⚠️ Branch-dependent | ✗ Rotating representatives |
| Complex Situations | ✓ Self-employed, bad credit, investors | ✗ Often decline | ✗ Often decline |
| Pre-Approval Speed | ✓ 24 hours | ✗ 3–7 days typical | ⚠️ Varies widely |
| Wholesale Rates | ✓ Access to wholesale pricing | ✗ Retail rates only | ✗ Retail rates only |
20+ years of Arizona mortgage experience — not a call center, not a bank, not a national chain.
Licensed Arizona Mortgage Broker & Lender
With over 20 years helping Arizona families finance homes, Todd brings deep local market knowledge, access to 50+ wholesale lenders, and a personal commitment to finding the right loan — not just any loan. 500+ five-star reviews across Google, Zillow, and Yelp.
📞 480-330-1724 — Call or text 7 days a week
Todd shops your loan across 50+ wholesale lenders to find the best rate and terms for your specific situation — not just what one bank happens to offer today.
FHA, VA, USDA, Conventional, Jumbo, Non-QM, Bank Statement, DSCR, Down Payment Assistance — if it exists, Todd can access it through his lender network.
In Arizona's competitive market, a same-day pre-approval letter can be the difference between winning and losing a home. Todd's process is built for speed.
Todd exclusively serves Arizona buyers. He knows Phoenix, Scottsdale, Tucson, Flagstaff, and every market in between — because he only works here.
Self-employed? Bad credit? Investment property? Divorce? Recent bankruptcy? Todd has closed loans that major banks turned down — by finding the right lender for the situation.
You get Todd's direct number — not a call center. When you have a question at 8pm the night before closing, you can reach him. That's not typical. It should be.
As a broker, Todd has access to programs that single lenders simply don't offer.
FHA loans (3.5% down), Arizona Home Plus DPA, Conventional 97 (3% down). Todd specializes in helping first-time buyers navigate programs that most banks don't even know exist.
VA loans with zero down payment, no PMI, and competitive rates. Todd is well-versed in VA entitlement, COE requirements, and VA jumbo for higher-priced Arizona homes.
Bank statement loans, 1099 programs, and asset-based lending for business owners who can't document income through traditional W-2s. Todd has seen every variation.
DSCR loans, fix-and-flip financing, multi-family loans, and portfolio lending. Scale your Arizona investment portfolio with the right loan structure for each property.
Simpler than going to a bank — and with better results.
One application. Todd shops it across 50+ lenders simultaneously — no need to apply at multiple banks.
Review rates and terms from multiple lenders side by side. Todd explains what matters and what doesn't.
Pre-approval letter in 24 hours. Shop for your Arizona home with confidence knowing your financing is ready.
Smooth process from contract to close. Todd manages the lender relationship so you don't have to chase anyone.
Todd Uzzell is licensed throughout Arizona — closing loans in every market from the Phoenix metro to Flagstaff, Tucson, and beyond.
A licensed Arizona mortgage broker acts as a middleman between you and multiple lenders. Rather than applying at one bank and accepting their single rate offer, a broker submits your loan to 50+ wholesale lenders simultaneously — finding the best rate and program for your specific situation. Brokers are licensed by the state and paid by the lender at closing, not by you directly.
For most Arizona buyers, yes — especially for non-standard situations. Banks can only offer their own products at retail rates. A broker has access to wholesale pricing across 50+ lenders, meaning more programs and often lower rates. The exception: if you have a deep relationship with your bank and they're offering competitive pricing, it's always worth comparing. Todd will tell you honestly when a bank's offer is better.
Arizona mortgage brokers are compensated by the lender — not by you — at closing, in the form of a yield spread premium or origination fee that's disclosed upfront on your Loan Estimate. You'll see exactly what the broker is being paid. This fee is typically baked into the loan rate, which means you usually pay nothing out of pocket for the broker's services. All compensation is fully disclosed per federal RESPA requirements.
Working with a broker results in a single credit pull — not multiple hard inquiries. When Todd shops your loan across multiple lenders, they're working from one credit report. Multiple mortgage credit checks within a 45-day window are also treated as a single inquiry by credit scoring models (FICO and VantageScore), so rate shopping has minimal credit score impact.
Todd Uzzell (NMLS #1525192) is a top-rated Arizona mortgage broker with 20+ years of experience and 500+ five-star reviews across Google, Zillow, and Yelp. Unlike large brokerage chains, Todd provides direct personal service — you always have his direct line. He's licensed statewide and closes loans across the Phoenix metro, Tucson, Flagstaff, and all of Arizona.
Yes — this is one of the areas where brokers have a significant advantage over banks. Todd has access to FHA lenders (580+ credit score), Non-QM lenders for lower scores, and manual underwriting programs that banks typically don't offer. Every situation is different — call 480-330-1724 to discuss your specific credit situation and what programs may be available.
Todd typically provides pre-approval letters within 24 hours of receiving your documentation. For buyers who need same-day pre-approval for a competitive offer, call 480-330-1724 directly — rush processing is available. Pre-approval is a strong signal to sellers that your financing is solid, which matters in Arizona's active market.
Absolutely — and this is where broker access really shines. Major banks often decline self-employed borrowers whose tax returns show business deductions reducing taxable income. Todd has access to bank statement loan programs (12–24 months), 1099-only programs, and asset-based lending specifically designed for business owners and self-employed professionals throughout Arizona.
See current FHA, VA, Conventional, and Jumbo rates across Arizona — updated daily.
View Current Arizona Rates →