Arizona Mortgage Lender

Personalized financing for homebuyers, investors, and business owners

Todd Uzzell | NMLS #1525192 | Starboard Financial NMLS #156931

Expert Mortgage Financing Throughout Arizona

Non-QM loans for tech professionals • DSCR for investors • FHA for first-time buyers • VA loans for military • Portfolio loans for complex income

Apply Now Call 480-330-1724

See How Much You Can Borrow

Use our mortgage calculators to explore loan options and calculate monthly payments

Mortgage Calculator Affordability Calculator FHA Calculator

Why Choose Todd Uzzell?

20+ years of Arizona mortgage expertise. Local lender with deep knowledge of Arizona markets, diverse borrower profiles, and specialized loan programs.

Loan Programs We Offer

Non-QM Loans

Stock options, RSUs, commission income, and unconventional earnings. Perfect for tech professionals and entrepreneurs.

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DSCR Loans

Investment property financing based on cash flow, not personal DTI. Ideal for landlords and real estate investors.

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FHA Loans

Low down payment (3.5%), flexible credit requirements. Perfect for first-time homebuyers and credit-challenged borrowers.

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VA Loans

Zero down payment, no PMI for military and veterans. Competitive rates and flexible qualification.

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Portfolio Loans

Flexible underwriting for self-employed, business owners, and complex income situations.

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Construction Loans

Construction-to-permanent financing for new builds, renovations, and rehab projects.

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Jumbo Loans

Financing for luxury homes and high-value properties ($832k+).

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Refinancing

Lower rates, cash-out, or new terms. Refinance your existing mortgage with competitive offers.

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USDA Loans

Rural financing with zero down payment for qualifying rural properties.

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Down Payment Assistance

Arizona Home Plus, Home in Five, AZFA programs. DPA grants and forgiveness programs available.

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Arizona Cities & Markets

Todd serves all of Arizona with local expertise in major cities and metropolitan areas:

Phoenix Mesa Chandler Tucson Gilbert Tempe Scottsdale Peoria Glendale Flagstaff Surprise Buckeye Sedona Prescott View All Arizona Cities →

What Clients Say

"Todd closed my non-QM loan in 35 days when other lenders said it was impossible. Tech professional with RSU income—he got it done."

— Marcus T., Phoenix Tech Professional

"DSCR financing for my rental portfolio. Todd understood investor cash flow better than national platforms. Highly recommend."

— Jennifer R., Real Estate Investor

"First-time buyer with challenged credit. Manual underwriting approval in 30 days. Professional and personal service."

— David M., First-Time Homebuyer

Let's Get Started

Ready to explore your mortgage options? Contact Todd Uzzell for personalized guidance and fast approval.

Call: 480-330-1724

Email: info@arizonahomeloansusa.com

Apply Online Schedule Consultation

Todd Uzzell

NMLS #1525192

Starboard Financial | NMLS #156931, BK-0910725

Equal Housing Lender