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Home Purchase Loans and Refinancing Throughout Arizona and California

Welcome to Northern Arizona Mortgage Corporation, a full-service mortgage broker based in Cottonwood, Arizona. For over 30 years, we have helped homebuyers, homeowners, and real estate investors explore mortgage solutions tailored to their financial goals.

We proudly serve borrowers throughout all of Arizona and California. Whether you are purchasing your first home, moving into your next property, investing in real estate, refinancing an existing mortgage, or seeking financing after poor or damaged credit, our experienced team is ready to help you understand your available options.

Home Purchase Loan Programs

We offer a wide selection of residential mortgage programs designed to meet the needs of different borrowers and property types, including:

FHA Loans | VA Loans | USDA Loans | Conventional Loans | Jumbo Loans | Reverse Mortgages | Non-QM Loans | First-Time Homebuyer Programs | Down Payment Assistance | Bank Statement Loans | Investor and DSCR Loans

Refinancing Options

Looking to refinance your home? Northern Arizona Mortgage Corporation offers refinancing solutions for homeowners throughout Arizona and California. Whether your goal is to access home equity, adjust your loan terms, or pursue a more manageable monthly payment, we can help you evaluate available programs, including:

FHA Streamline | FHA Cash-Out Refinance | VA IRRRL | VA Cash-Out Refinance | USDA Streamline | Conventional Refinance | Jumbo Refinance

From Cottonwood and communities throughout Northern Arizona to borrowers across Arizona and California, Northern Arizona Mortgage Corporation provides knowledgeable guidance backed by more than three decades of mortgage experience. Contact us today to explore the home financing options available to you.

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What our clients say about us!

We used Northern AZ Mortgage to purchase our first home in the Verde Valley. The process was easy. Shelly and Wendy did an amazing job of keeping us in the loop and getting us closed on time. 5 stars all the way!!

Northern Arizona Mortgage did a great job on helping me refinance my home. They got me a good rate, were very helpful in assembling the appropriate documents and I am very satisfied.

Initially we had reservations about not using a big national bank for our mortgage, but after working with Northern Arizona Mortgage we will never go back. Everyone involved in our transaction, from the office staff to the processor and loan officer were very knowledgeable and responsive to any questions that came up. They took the time to explain our options in layman’s terms, so we didn’t have to decipher all the confusing lending jargon. We would highly recommend to anyone looking for a mortgage to check with the folks at Northern Arizona Mortgage before you look anywhere else. First class all the way!

I highly recommend Northern Arizona Mortgage to everyone that wants a high customer service experience. Shelley Collier-White, who is the owner and Wendy Weber, Senior Loan Officer were very knowledgeable and great communicators, which is such an important part of the loan process. I have been recommending NAM for years to all my buyers and I got to experience first-hand recently why they are my mortgage company of choice.

Shelly and the team are awesome to work with. They are super professional, kind, and on top of their game! The best! I highly recommend!

Thank you for the professional support and experience that you have shown me. Everything went smoothly and I will continue to use Northern AZ mortgage for my mortgage needs. And I will be referring others to this group. Thank you and God bless you guys

Gail was absolutely amazing! She went above and beyond to explain everything we needed to know in great detail. We were first time home buyers so we had a lot to learn and we were nervous going into it and she made us feel so comfortable and cared for! I highly recommend Gail for anyone looking for a home loan! We had an amazing experience with Northern Arizona Mortgage!

Gail was so helpful and knowledgeable. She went above and beyond to ensure that we understood the process and were making the best choice for our home loan. We highly recommend Gail and Northern Arizona Mortgage.

Northern Arizona Mortgage is truly a great company to go with for pursuing a loan and all loan advice. Shelly and Wendy truly did go above and beyond for us through the entire process of learning about and securing a home loan. Even at a time when we were at our lowest and most discouraged, Shelly was nothing but encouraging and reassuring. I did not expect to receive comfort from a loan officer and she was a light in a time that seemed nearly hopeless. A huge thank you to Shelly, Wendy and the entire Northern Arizona Mortgage team who make what seems impossible a reality!

Gail went above and beyond for us ! Home buying is such a process and Gail went out of her way to walk us through everything and has a very calming demeanor which helped tremendously! Thank you Gail! Your the best !

It was a lot of fun working with Gail Palosaari. We were first time homebuyers with boatloads of questions. Gail was patient and friendly throughout the process. She was able to secure a loan that was much higher than a competing loan officer.

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