10+ Years · Cave Creek
Experienced Mortgage Brokers in Cave Creek, AZ
Experience matters. These mortgage brokers in Cave Creek have years of proven work behind them — and the reviews to back it up.
As of June 2026, RatingsNearMe ranks 3 mortgage brokers in Cave Creek, AZ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Mortgage in AZ, LLC with a 5.0-star rating from 74 Google reviews and an RNM Score of 82/100. Also in the top tier: Achievers Mortgage, LLC and RoadRunner Refinance and Purchase. The average rating across all listed mortgage brokers in Cave Creek is 5 stars from 74 reviews per business on average.
Mortgage brokers in Cave Creek: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
3
Businesses listed
5★
Avg rating
74
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 74 Google reviews, this Cave Creek mortgage broker is highly trusted.
3120 W Carefree Hwy Suite 1-800, Phoenix, AZ 85086, USAA local mortgage broker in Cave Creek with no customer reviews yet on Google.
5107 E Lonesome Trail, Cave Creek, AZ 85331, USAThis business has no customer reviews yet to help inform your decision.
4532 E Lone Mountain Rd, Cave Creek, AZ 85331, USAMortgage Brokers Rankings in Cave Creek, AZ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mortgage in AZ, LLC3120 W Carefree Hwy Suite 1-800, Phoenix, AZ 85086, USA | 5.0★ | 74 |
| #2 | Achievers Mortgage, LLC5107 E Lonesome Trail, Cave Creek, AZ 85331, USA | — | — |
| #3 | RoadRunner Refinance and Purchase4532 E Lone Mountain Rd, Cave Creek, AZ 85331, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
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Mortgage Brokers in Cave Creek, AZ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Mortgage in AZ, LLC | 82/100 | 5.0 ★ | 74 |
| 2 | Achievers Mortgage, LLC | 3/100 | — | 0 |
| 3 | RoadRunner Refinance and Purchase | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Cave Creek
What does a mortgage broker do differently than going directly to a bank in Cave Creek?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Cave Creek?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in AZ?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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