Arizona Mortgage Broker You Can Trust

Licensed mortgage lending throughout Arizona — fast pre-approvals, competitive rates, personalized guidance from start to close.

⭐ 500+ 5-Star Reviews ⚡ 24-Hour Pre-Approvals 🏆 20+ Years Experience 🔒 NMLS #1525192

Get Pre-Approved Now Book Free Consultation

📍 Serving All of Arizona

📞 480-330-1724 — Call or Text

🏦 NMLS #1525192 | Starboard Financial NMLS #156931

🏠 Equal Housing Lender

Arizona's Trusted Mortgage Expert

Over two decades helping Arizona families buy, refinance, and invest — with a process designed to be simple, fast, and transparent.

Welcome to Todd Uzzell Home Loans. As a licensed Arizona mortgage broker and direct lender, Todd Uzzell provides personalized home loan solutions to buyers and homeowners across the state. Whether you're purchasing your first home, refinancing, or investing in real estate, Todd's expertise and lender relationships mean you get the right loan — not just any loan.

Arizona mortgage broker Todd Uzzell helping homebuyers

Home Loan Programs

FHA, VA, Conventional, Jumbo, USDA, and more — matched to your situation.

FHA Loans

Low down payment options — as little as 3.5% down

VA Loans

Zero down payment for veterans and active military

USDA Loans

100% financing for eligible rural and suburban areas

Conventional Loans

As low as 3% down with competitive rates

Jumbo Loans

Luxury home financing above conventional limits

Refinancing

Lower your rate, reduce your term, or access equity

Investment Loans

DSCR, fix-and-flip, and rental property financing

Down Payment Help

Arizona Home Plus and first-time buyer programs

Specialized Services

Complex situations are our specialty — not a problem.

💳

Credit Solutions

Challenging credit? We have mortgage options even when the banks say no.

✓ Bad credit mortgage programs
✓ Credit repair guidance
✓ Alternative documentation loans

💼

Self-Employed Buyers

W-2s don't tell your whole story. We have programs that do.

✓ Bank statement loans
✓ 1099 mortgage programs
✓ Asset-based lending

🏘️

Real Estate Investors

Scale your portfolio with the right financing structure.

✓ DSCR loans
✓ Fix-and-flip financing
✓ Multi-family loans

Arizona Markets We Serve

Neighborhood-level expertise across the Phoenix metro, Tucson, and statewide.

Phoenix Scottsdale Gilbert Chandler Mesa Tempe Peoria Glendale Surprise Queen Creek Tucson Flagstaff Goodyear Buckeye Avondale Sedona Casa Grande Maricopa + All Cities →

What Arizona Homebuyers Say

500+ five-star reviews across Google, Zillow, and Yelp.

"Todd made our first home purchase completely stress-free. Pre-approved in 24 hours and closed in 18 days."

— Sarah J. · Phoenix, AZ · ⭐⭐⭐⭐⭐

"As a self-employed buyer, I was turned down by two lenders. Todd found a bank statement loan that worked perfectly."

— Michael T. · Tucson, AZ · ⭐⭐⭐⭐⭐

"Refinanced and lowered my rate by 1.2%. The whole process took 3 weeks. Todd answered every question, every time."

— Emily R. · Scottsdale, AZ · ⭐⭐⭐⭐⭐

Follow Todd