30 Years of Arizona Mortgage Expertise.
Christopher Holmes has been financing the American Dream of home ownership since 1995. 1,000+ Arizona families have closed loans with him. The broker model is the same one he's used the whole time: shop 50+ wholesale lenders, work the deal personally, answer the phone.
- 30+ years in Arizona mortgage
- 1,000+ buyers helped
- Licensed AZ & CO, NMLS #2233341
- 50+Wholesale Lenders
- No Credit Pullto compare rates
- ~60 Secondsto get your options
- Licensed AZ & CONMLS #2233341
Why We Work The Way We Do
Christopher started SMA because the retail bank model doesn't actually put borrowers first. It puts the bank first. The wholesale broker model does. After 30 years, the math is still the same.
- You get one consultant. Not a call center.
- We shop your scenario across 50+ wholesale lenders, once.
- We don't sell. We educate, and you decide.
- The same person answers your call from quote to close.
- No retail markup. The wholesale rate is the rate you get.
- Local underwriting. Local accountability. Real names.
Most borrowers don't know there's a difference between a retail lender and a wholesale broker. The bank you walked into has one product line and one price. We sit on the other side, pulling pricing from 50+ wholesale lenders and presenting the best 2-3 options. Same scenario, materially different outcome.
Track Record That Holds Up
Local Advisors. Real Accountability.
Christopher Holmes
Owner · Certified Mortgage Advisor · NMLS #239574
“I've been financing the American Dream of home ownership for over 30 years. My team and I work with every client one-on-one, not just to find a rate, but to educate them on the process and help them choose the right loan for their situation. I love what I do, and it shows.”
The Credentials
The licenses and registrations we operate under, all publicly verifiable.
- Scottsdale Mortgage Advisors, LLC: NMLS #2233341
- Christopher Holmes, Owner, Certified Mortgage Advisor: NMLS #239574
- Licensed Mortgage Broker, State of Arizona
- Licensed Mortgage Broker, State of Colorado
- Verify any license at nmlsconsumeraccess.org
Get Personalized Mortgage Guidance, Straight from a 30-Year Expert
Skip the guesswork. In a free 15-minute planning session, Christopher will walk you through your real options, help you understand what you actually qualify for, and build a strategy around your specific goals, before you ever fill out a loan application.
- Certified Mortgage Advisor
- Over 30 years of mortgage experience
- Well over 1,000 first time buyers helped
- Preferred rates and programs for veterans, teachers and first responders
Schedule Your Free 15-Minute Session
Fill in your details and Christopher will reach out to confirm a time that works for you.