Stop Paying the Big Bank Premium.
As your local Arizona broker, we shop 50+ wholesale lenders to find you a better rate — with local accountability the banks can't offer.
- No credit pull to start
- Results in ~60 seconds
- Licensed in AZ & CO
- 50+Wholesale Lenders
- No Credit Pullto compare rates
- ~60 Secondsto get your options
- Licensed AZ & CONMLS #2233341
The Broker Advantage — It's Not Even Close.
Big banks can only offer their own products at retail prices. We shop the wholesale market on your behalf.
Cut Through the Confusion
We compare rates, terms, and programs across 50+ wholesale lenders so you don't have to make sense of it alone.
Closing Speed
Local underwriting relationships and a streamlined process mean fewer delays. We keep deals on track and listing agents happy.
Arizona Expertise
Pre-approvals from a recognized local broker carry real weight with sellers. We know this market — and it shows at the table.
We Shop All of These Across 50+ Lenders
Not sure which fits your situation? That's exactly what we figure out together — at no cost, no credit pull.
30-Year Fixed
Predictable payments for the long haul. Lock your rate and never worry about it again.
15-Year Fixed
Lower rate, higher payment — own your home in half the time and pay far less interest.
Adjustable Rate (ARM)
Start lower and refinance before the rate adjusts. Smart for buyers who move or refi within 5–7 years.
FHA Loan
As little as 3.5% down with flexible credit requirements. The most accessible path to homeownership.
VA Loan
No down payment required for eligible veterans and active service members. One of the best deals in lending.
Jumbo Loan
Financing up to $2.5M for Arizona's higher-value properties. Competitive rates, one clean loan.
Reverse Mortgage
Convert home equity into cash with no monthly mortgage payments. HECM-insured through FHA.
Real Results from Real Arizona Homeowners
Hear directly from Arizona homeowners who worked with Chris and his team.
“Christopher Holmes at Scottsdale Mortgage Advisors exceeded our expectations. As first-time homebuyers, he took the time to walk us through the process and ensure we got the best rate. I cannot say enough great things about Christopher and will be recommending his services to all my friends and family.”
“This is the 3rd home I've purchased and has by far been the best experience! Chris and his team have great communication, care, and expertise!!! Would give 6 stars but I guess Google doesn't allow that.”
“Chris and his team (Astra) were prompt & communicative during the entire loan process. This was our second transaction with them, and we highly recommend using their firm.”
“Christopher and his team did a masterful job helping us navigate a townhouse purchase in Phoenix. Always available to answer questions, had a very competitive rate and top drawer service! I'd recommend his company with no reservations — from a guy who spent 30 years in the mortgage business.”
“Chris got everything needed in order to get my first home done as quickly as possible. He helped get me to my financial target to make my first home that I've always wanted become a reality.”
“We have worked with Scottsdale Mortgage Advisors three times now and they are incredible! The whole team is very helpful and friendly!”
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 to just 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.”
Ryan Holmes
Loan Officer · NMLS #1418222
With over 7 years in the mortgage industry, Ryan guides clients through every step of the home loan process — from first-time buyers to seasoned investors. He is committed to transparency, responsiveness, and finding the right loan for your situation.
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.