Built on Trust. Driven by Results.
Your mortgage, your terms — let’s make it happen.
Competitive rates, transparent service, and personalized mortgage loan solutions tailored for you.
Tanisha HodgesTrustindex verifies that the original source of the review is Google. The introduction, the pace, the tone, the care in every step of the way made this process easier and feel like something I could do. Josh was always friendly and detailed and honest. The instructions on what to fix with my credit that would have the most impact in helping boost my score in order to achieve a better rate was beneficial; as well as breaking down the math and what to expect in monthly payments.Also understanding that because this is a surprise for my family that I couldn’t always talk or we had to speak in code was fun! Josh checking in on how house hunting was going or making sure all of my questions were answered or explained fully was definitely a blessing. I feel like a made a friend. I was treated better than just a customer. Thank you Josh for your leadership in this home buying process. I’m excited to share the news with my family!! Emma CardewTrustindex verifies that the original source of the review is Google. Josh has been absolutely amazing to work with. He’s incredibly helpful, always quick to answer any questions we had, and made the entire process feel smooth and stress-free. His professionalism, patience, and genuinely friendly attitude really stood out. We’re so grateful for his support and highly recommend Josh to anyone looking for a dependable, knowledgeable loan officer! Aaron WhiteTrustindex verifies that the original source of the review is Google. Josh with AZM Lending is ABSOLUTELY INCREDIBLE!! As first time homebuyers, my fiancé and I had little to no idea what we were doing. Josh happily assisted and made us feel extremely comfortable. With his knowledge and experience, he guided us throughout the entire process to make us feel confident in this huge life decision. He was always readily available for us. Any curveballs thrown at him or questions we had were met with attention to detail and care to ease our minds. There’s nothing this guy can’t handle!! If you’re in the Arizona area, Josh is a 10/10 💯 high quality recommendation!!!! Thanks for everything Josh!! Ethan KennedyTrustindex verifies that the original source of the review is Google. We had a great experience working with Josh at AZM Lending. He walked us through the lending process from start to finish and was attentive to any questions or concerns, leaving no stone unturned. Robin WolfTrustindex verifies that the original source of the review is Google. Craig was outstanding in helping me purchase my home. It didn't matter how many times I called or how many questions I asked, he was there every step of the way. I had complete confidence in his ability to assist. Without hesitation, I would highly recommend Craig. Jojo MarieTrustindex verifies that the original source of the review is Google. Craig was absolutely amazing. He took the time to answer all of my questions, and laid everything out in a way that I could understand. He was extremely attentive and dedicated to making my homebuying experience the best it could be. I would absolutely recommend him to anyone! AustinTrustindex verifies that the original source of the review is Google. Josh is simple amazing!!! We had nothing but an amazing experience working with him. He was super knowledgeable and helpful when it came to explaining the process of buying a home. He was always available anytime we had a question or concern. We truly felt that Josh had our best interests at heart and that he wasn’t in it to just make a quick dollar. We will be working with him for all future transactions. We HIGHLY RECOMMEND HIM!! Mathew CunninghamTrustindex verifies that the original source of the review is Google. Josh made our first home-buying experience way easier than we expected. He guided us through the VA loan process, answered all our questions, and kept everything running smoothly. Super helpful and always on it. We will go back to Josh in the future if the need arises. Highly recommend! Elizabeth CunninghamTrustindex verifies that the original source of the review is Google. Josh was seriously amazing to work with! As first-time homebuyers using a VA loan, we were honestly overwhelmed at first — there’s just so much info to take in. But Josh made the whole process feel so much easier and way less stressful. He explained everything clearly, answered every question we had (even the ones we asked more than once 😅), and helped us cruise through everything without a hitch. I couldn’t have asked for a smoother experience. If you’re looking for someone who knows their stuff and actually cares, Josh is your guy! steele nashTrustindex verifies that the original source of the review is Google. Josh at AZM has been my go-to mortgage broker for a couple years now. He has probably closed 50+ loans for me at this point and saved countless escrows from going down the drain. He is an expert with VA loans and offers niche loan products to help people with specific needs. His competitive rates can be the difference between someone qualifying for their dream home and being completely out of luck. On top of that, he's a genuine guy that all my clients love! Would trust him and AZM with anything!
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The AZM Process
At AZM Lending, we’ve designed a simple, transparent process to guide you every step of the way. From understanding your unique goals, to finding the best mortgage options, to closing on your dream home — we make the journey clear, efficient, and stress-free.Â
Get Pre-Approved
Provide your financial information to us for review, and determine how much you can borrow.
Loan Application
Complete a formal application, provide documentation, and select a loan product.
Underwriting
Evaluation of your financial information and the property to determine loan approval.
Closing
Sign final loan documents, pay closing costs, and take possession of your new home.
Access to Top Mortgage Rates
As your trusted brokers, we provide access to industry-leading rates. By leveraging wholesale pricing and monitoring lender rates daily, we ensure you get the most competitive deal available, tailored to your needs.
1,000's
Of Rates and Options
50+
Lenders
100+
Programs and Products
0.67%
Lower Average Rates
Why Choose Us?
Buying a home is one of life’s significant milestones. Our top priority is to provide our clients with the most aggressive interest rates and closing costs when it comes to home loans.
Additionally, we are dedicated to helping borrowers overcome any roadblocks that may arise while securing a loan. Trust AZM Lending to help you achieve your dreams of homeownership.
Save Over $10,000
By comparing rates across hundreds of loan programs, we secure better terms that save our clients an average of $10,662 over the life of their loan.


Predictable Rates, Peace of Mind
Enjoy a mortgage process with complete transparency. No hidden fees, no surprises — just straightforward guidance so you always know your rate, your terms, and what to expect next.
We’re Here When You Need Us
At AZM Lending, we make sure you’re never left waiting. During the workweek, our team provides same-day responses, regular updates, and clear guidance so you always know where you stand.

Aggressive Rates
Simplicity Meets Speed
AZM Lending simplifies and accelerates the loan application and approval process for our borrowers. Online or over the phone, we are here to help!

Exceptional Service
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Mortgage calculator
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Affordability calculator
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