Whether purchasing or refinancing your home, I have three decades of experience to help you save time, money and stress.  My true value is not just getting you the lowest rate, it's the exceptional service and communication from start to finish that you'll appreciate most of all.

First, we'll discuss your unique scenario in detail to help you decide your best loan option.  My outside-the-box solutions can often help work through unusual challenges for faster loan approval.  And of course you'll get the lowest available rate among our national lenders!

I'll be your single point of contact throughout the entire process to help you navigate from application to funding.  Right up front, you’ll have a thorough understanding of what to expect through every phase from application through to closing.  More knowledge = less stress!

What sets me apart?

1) Expertise from 30 years of experience, 2) a straight-forward, understandable communication style, and 3) availability most evenings and weekends to answer questions or to get you the Arizona Pre-Qualification Form needed to make an offer on the home you want.  It’s important to me that you get the help you need when you need it.

What else?

-Our FHA loans have NO LENDER FEES!

-Your loan is processed and funded right here in our Tempe office!

-Our very experienced staff know how to close loans fast!

-We have unique financing options, like a 10% down high balance jumbo loan with no Mortgage Insurance!

-I have expertise with VA loans, and consider it a privilege to help our Veterans!

It all starts with a conversation and a loan application.  You can apply anytime online securely by clicking Get Started, or we can complete the application over the phone, or we meet at my office in Tempe, whichever option is more convenient for you!

Are you ready to Get Started?



Apply with Arizona Mortgage Specialists, Inc.

We were kept informed throughout the entire process. No obstacle was too great for Phil to overcome. We so appreciate the service we got!!

John and Ellen Collins, Sr.

Phil processed are pre-qual quickly and provided expert advice throughout the process. We appreciate his guidance and thorough explanation of documents and information requests. Phil was in contact with us frequently through every phase of the process.

Andrea and Brett Polach

Phil was completely open and informative about the entire loan process. Phil knew there was a time constraint on closing day and he made sure all items were completed prior to closing day to ensure recording as early as possible. Thanks to Phil and all involved who made this a possibility!

Steve B.

Phil is AMAZING! Phil walked us through the mortgage process and made it a breeze. Not only did Phil get us to close quickly and without issues, he also got us a fantastic rate! I am extremely happy that I found Phil. Not only will he get my future business, he'll get strong referrals to anyone I'm able to steer in his direction.

John Collins, Jr.

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