Our ServicesFind Loan Products We Offer

Purchase

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

Refinance

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

Apply Now

Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.

Get to know us

Located in Beautiful Northern Arizona, we thrive on the success and satisfaction of our clients.

about Northern Arizona Mortgage Corporation

Calculators

Calculate your mortgage, interest rates, and more.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

Home Purchase Loans and Refinances

This is the official website of Northern Arizona Mortgage Corporation. We are a full-service mortgage broker based in Cottonwood, AZ. We have been in business since 1985. We specialize in residential Home Purchase Loans and Refinances in both Arizona & California. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money by getting you a lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

VA Streamline, VA Cash Out. FHA Streamline, FHA Cash Out.
USDA Streamline and Conventional.

What makes Northern Arizona Mortgage Corporation unique is that we offer the local experience you just can't get with big banks. In addition to conforming loans we can help you with Jumbo Loans, Reverse Mortgages, Home Equity Lines of Credit and Home Equity Loans.

Contact Northern Arizona Mortgage Corporation today at 928-634-4251 to discuss your mortgage loan options, and find out which loan program will best suit your needs.

WHAT PEOPLE SAYSome of our Awesome Testimonials

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.

Joseph G

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 !

Jenny C

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!

Ashlynn

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!

Haley B

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.

Cody B

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

Jeffery N

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!

Marcus Ament

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.

Anastasia S

Cottonwood, AZ

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!

Barry D.

Sedona, AZ

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.

Becky S.

Sedona, AZ

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!!

Heather G

Cornville, AZ

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Helping you realize your dream of homeownership