10+ Years · Fountain Hills
Experienced Mortgage Brokers in Fountain Hills, AZ
Experience matters. These mortgage brokers in Fountain Hills have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Fountain Hills, AZ by verified customer ratings and review volume. The highest-rated is Prime Plus Mortgages - Phoenix Hard Money Loans with a 5.0-star rating from 185 verified reviews. Also in the top tier: Mike Dallas - Sr. Loan Officer NMLS #699698 and Apex Home Mortgage. The average rating across all listed mortgage brokers in Fountain Hills is 4.9 stars from 40 reviews per business on average.
Mortgage brokers in Fountain Hills: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
11
Businesses listed
4.9★
Avg rating
40
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Prime Plus Mortgages - Phoenix Hard Money Loans
7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251, USA
Mike Dallas - Sr. Loan Officer NMLS #699698
3446 E Angela Dr, Phoenix, AZ 85032, USA
Apex Home Mortgage
4425 E Agave Rd Ste 122 & 124, Phoenix, AZ 85044, USA
Mortgage Brokers Rankings in Fountain Hills, AZ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Prime Plus Mortgages - Phoenix Hard Money Loans7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251, USA | 5.0★ | 185 |
| #2 | Mike Dallas - Sr. Loan Officer NMLS #6996983446 E Angela Dr, Phoenix, AZ 85032, USA | 5.0★ | 54 |
| #3 | Apex Home Mortgage4425 E Agave Rd Ste 122 & 124, Phoenix, AZ 85044, USA | 4.8★ | 72 |
| #4 | US Bank MortgageFountain Hills, AZ 85268, USA | 5.0★ | 1 |
| #5 | TheMortgageLot16930 E Palisades Blvd #100, Fountain Hills, AZ 85268, USA | — | — |
| #6 | Amber Vaziri: High Place Mortgage3609 N 44th St, Phoenix, AZ 85018, USA | 4.9★ | 16 |
| #7 | Tolis Mortgage Financial Group LLC NMLS#146765016930 E Palisades Blvd #103i, Fountain Hills, AZ 85268, USA | 5.0★ | 10 |
| #8 | The Martinson Team at Homeowners Financial Group USA, LLC13034 N Verde River Dr Ste 103, Fountain Hills, AZ 85268, USA | 5.0★ | 12 |
| #9 | Goldwater Mortgage Financial Co Inc16742 E Parkview Ave Suite 1, Fountain Hills, AZ 85268, USA | 4.0★ | 4 |
| #10 | Integrity Home Mortgage LLC- Julie Rigstad16626 E Ave of the Fountains # 103, Fountain Hills, AZ 85268, USA | 5.0★ | 20 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Fountain Hills
US Bank Mortgage
Fountain Hills, AZ 85268, USA
TheMortgageLot
16930 E Palisades Blvd #100, Fountain Hills, AZ 85268, USA
Amber Vaziri: High Place Mortgage
3609 N 44th St, Phoenix, AZ 85018, USA
Tolis Mortgage Financial Group LLC NMLS#1467650
16930 E Palisades Blvd #103i, Fountain Hills, AZ 85268, USA
The Martinson Team at Homeowners Financial Group USA, LLC
13034 N Verde River Dr Ste 103, Fountain Hills, AZ 85268, USA
Goldwater Mortgage Financial Co Inc
16742 E Parkview Ave Suite 1, Fountain Hills, AZ 85268, USA
Integrity Home Mortgage LLC- Julie Rigstad
16626 E Ave of the Fountains # 103, Fountain Hills, AZ 85268, USA
Top Funding Home Loans
16114 E, 16114 N Powderhorn Dr, Fountain Hills, AZ 85268, USA
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Frequently Asked Questions — Mortgage Brokers in Fountain Hills
What does a mortgage broker do differently than going directly to a bank in Fountain Hills?
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 Fountain Hills?
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: May 17, 2026.
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