Lending Made Simple
Your Ideal Mortgage.
From a Broker Who Works for You.
As an independent mortgage broker, we shop 50+ lenders to find you a better deal - not just the one that's easiest for us.


Ivan Macias
Josh is an amazing lender and person. He went above and beyond in guiding me with my first home purchase with a VA loan. I did the entire process with Josh remotely/virtually and I can't believe I am now residing in a different state! Josh also connected me with a trusted property manager and an insurance agent that was super helpful as well which both saved me a lot of money moving forward. I appreciate Josh's patience, mentorship, and efficiency. I loved how I can be direct with him and how he accommodates for his clients needs. Thank You Josh and I hope to continue working with you in the near future when interest rates go down :)
Debra Zahoran
Josh helped get us get the loan quickly and what we could afford.
Greg Goble
Excellent service. Josh was very knowledgeable, advocated for me and presented me with a number of options and was very transparent on the pro's and con's of each option. Excellent partner in my real estate transaction
CJ Picerni
Working in wealth management, I have high expectations when it comes to professionalism, communication, and attention to detail—and Craig exceeded every one of them.
From start to finish, he was incredibly diligent and proactive throughout our home-buying process. No matter how many questions we had, he always took the time to answer them thoroughly. His communication was exceptional, and we always felt informed.
I would recommend Craig without hesitation to anyone looking for a lender. We couldn’t have asked for a better experience!
Steve Orlosky
Josh was amazing!! He went above and beyond to help us with the purchase of our new home in Ahwatukee. He gave us solid advice that saved us over $4000, and he saved us over $1000 on our closing costs associated with the loan. He was always very accessible, prompt, thorough, and professional in his communication. He will do more research for you than you can shake a stick at. He is a rare find, and you can feel confident of having him as our mortgage broker. I will for sure be using his services in the future if needed! I’m very thankful to God that we were blessed to have him helping us.
Marie Elliott
Craig is hands-down the best lender I’ve ever worked with! He made our home-buying process completely seamless from start to finish. He has the heart of a teacher—patient, kind, and incredibly communicative. Craig kept us updated every step of the way, answered all our questions instantly, and got us an amazing deal on our loan. If you are looking to buy a home, I highly recommend him. Thank you, Craig!
Ashley Summers
Craig was the best! He was always responsive, professional, and proactive, which made what can be a stressful process feel smooth and manageable. It truly felt like he had our backs every step of the way.
susie reis
Closed in four days and saved us $20,000 in closing cost compared to the first mortgage broker we tried!!
Taylor Willis
AZM lending slammed it out of the ball park for me! Insanely smooth process, they were on top of everything 100% of the way! Love these guys, will recommend them to everyone I know.
Veronica Lugo
I had a great experience working with Josh. He was extremely communicative throughout the entire process and always kept us informed about what was happening and what to expect next. Buying a home can feel overwhelming, but Josh took the time to explain things clearly and helped me understand parts of the process that I wasn’t familiar with.
What stood out most was how trustworthy and patient he was. I never felt rushed or pressured, and he made sure we explored our options so we could choose what worked best for us. I truly feel that he helped us find the best mortgage option for our situation.
I highly recommend Josh to anyone looking for a knowledgeable, reliable, and supportive mortgage broker.
Loan Options
The right loan for every situation.
From first-time buyers to seasoned investors — we have a program for you.
🏠
Conventional
Standard purchase or refinance. Great rates for qualified buyers.
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FHA
Low down payment. Flexible credit. First-time buyer friendly.
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VA
Zero down payment for veterans and active-duty service members.
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USDA
No down payment for eligible rural and suburban properties.
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DSCR
Investment property loans based on rental income, not personal income.
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Non-QM
Self-employed, bank statement, and non-traditional income solutions.
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HELOC
Tap your home equity for renovations, debt, or major expenses.
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Hard Money
Fast funding for fix-and-flip, bridge, and investment projects.
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Reverse Mortgage
Convert home equity to income for homeowners 62 and older.
→How It Works
Simple steps to your new home.
1
Get Pre-Approved
Share your financial info and find out exactly how much you can borrow.
2
Choose Your Loan
We shop 50+ lenders, explain your options clearly, and help you pick the right program.
3
Underwriting
We handle the paperwork and keep you updated every step of the way.
4
Close & Move In
Sign your final docs, collect your keys, and start the next chapter.
Ready to get started?
Apply online in minutes or schedule a call and we'll walk through everything together.
Why AZM
Wholesale options. Human Help.
We help you find the best paths available, then stay with you through to the finish.
Wholesale ratesWe shop 50+ lenders for pricing banks can't match.
Every loan typeFHA to hard money - we offer nearly every program available.
Decades of experienceLoan officers with thousands of successful closings.
Direct accessYou work with your loan officer directly, start to finish.
Who We Help
Whether you're buying, refinancing,
or investing — we've got you covered.
🏡
First-Time Buyers
We'll walk you through every step, explain all your options, and make sure you're not leaving money on the table.
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Refinancing
Lower your rate, reduce your payment, or pull cash out of your equity. We'll find out if the numbers make sense for you.
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Investors
Build your portfolio with financing built for rental properties, flips, and non-traditional income situations.
Let's find your best home loan.
No pressure. No commitment. Just a straightforward conversation about your options.