This was the best mortgage loan process we have been involved in during g our 33 years of home…read morebuying. Kyra Bertch was fantastic to work with. Professional, encouraging & organized. She kept things moving, got us a great interest rate and allayed any concerns by working with us. Her response time and attention were so good that if we didn't know better we would think we were her only clients! Dylan was also very professional and great to work with. I want to reiterate this was the best mortgage loan process we have ever been a part of. Highly recommend Agave Home Loans.

ZERO STARS IS MORE ACCURATE I am writing this to warn…read moreothers about the incredibly poor experience I had with Agave Mortgage Brokers. Their performance throughout the entire process was utterly pathetic. They seemingly cannot read basic financial documents--specifically Shareworks statements. They saw and requested the exact same documents on over 10 separate occasions. Then, finally, on the 11th time, they actually decided to look at them and ask questions about the accounts and statements. This absolute incompetence caused a massive, last-minute pivot and wasted 2 entire months of my time just to get to that point. Combined with horrible communication along the way, it was an incredibly stressful and unprofessional experience. Save yourself the headache and take your business to a broker that actually values your time, communicates transparently, and knows how to review basic paperwork. Avoid them at all costs.

We were in search of a mortgage company for a second home in AZ. I am grateful 1st Rate Home…read moreMortgage came highly recommend and that my husband and I decided to move forward with them. From the initial first call and all the way through the time of close, Joe was always available via email, phone, and text. Very rarely will you find a mortgage company that is available on the weekends to chat with when you are getting ready to send an offer on a home. Joe and his team were VERY instrumental in the home buying process and I even got compliments from my realtor on how responsive and on the ball he and his team were. A huge plus is that he sent us our pre-approval letter in less than 24 hours, which set us for success when we were ready to submit an offer that weekend. In addition, he and his team helped us close in 25 days! If you are looking for a mortgage company with incredible customer service and great rates, look no further and ask for Joe!

I refinanced my VA loan with this company and it was the smoothest, fastest and easiest mortgage…read moreprocess I have ever experienced! I have purchased several homes over the past 30 years and in the process also done several refinance and this was by far the best experience ever! Highly recommend them!

I can't say enough good things about this team! First, Scott goes above and beyond for his clients…read moreand is super knowledgeable about the mortgage industry. Contacting him and his team was the best thing I have done and I will be a customer for life. My boyfriend and I were looking at purchasing a home together. He owns a home already and I rent. My lease renewal was coming up and my landlord is a....I won't use cuss words. Anyway, I opted to buy something as renting as really changed over the past few years and it's really enjoyable anymore. We contacted a broker with Nexa Mortgage who kept dropping the ball so I went on Yelp to find a different one and that's when I found Scott and AZ Lending Experts. I contacted them and was SUPER impressed right from the initial conversation. Scott then contacted my realtor (who is also my sister) and she was also super impressed and will refer him to her clients. Anyway, my boyfriend and I were facing an issue with a contingency as when you own a home, it's sometimes difficult to buy a home as the offer would need to be contingent upon the sale of your existing home. My boyfriend was nervous and didn't want to sell his place without having a place lined up, which is understandable...and given the low inventory right now, it's difficult to wait for something to be listed and go under contract when you finally find a priority. Scott found a way around that for us. He also shared his recommendations, which we went with. His whole team is amazing...Emily is SUPER nice. I contacted her for the appraisal and she sent it right over to me and was just super polite and friendly. This is my first time buying a home and I have heard from others that it's a pain and a not-so-fun process but I honestly have to say it hasn't really been that bad for us and I have AZ Lending Experts to thank for that.

I've worked with Scott and his team three times now, 2 times buying homes and another when he…read morehelped my grandma refinance her house a few years ago; this in itself should show how much I trust them. They make the process easy, seamless and stress free, all while making sure they get the best rate they can for you. I trust Scott and will continue to work with him in the future when needed.

We know that a Loan/Escrow process is a trying time for everyone concerned, namely the Loan Officer…read moreand the Applicants. Whether you are a Senior like myself ,or a Young Couple getting your first home , we become highly protective of our finances, and in today's day & age, our personal information. If you are reviewing these customer reviews to help you decide to go with People's Mortgage or not, search no further. We had the pleasure of doing business with Mr. Roger Cain. From the very onset my Wife and I felt very comfortable and confident with Mr. Cain. His demeanor, professionalism, knowledge and experience gave us the composure and trust we needed throughout the nerve-wrecking process. People with highly polished work-ethics are a rare breed these days. Mr. Cain is at the top of the list when it comes to work ethic. personal commitment and going beyond the work hours are his unspoken personal "Mission Statement". I am a retired Police Sergeant but still a good judge of character. I was not wrong about Mr. Cain. It is often said that The Good Lord sends us " Angels in Disguise"...Mr. Cain wore his well. Thank you Mr. Cain and everyone at People's Mortgage who made our dream come true. Sincerely, frank & Yolanda Espejo.

Worst mortgage broker ever! Do NOT deal with these falsely…read moremarketed & shady people. I was directed to them as I work in public education for the state of CA. They are the "Teacher Next Door" program lender. DO NOT be fooled - they are amazingly archaic, oblivious to the current real estate market, and offer very high interest rates! We applied for a pre-approval (not full underwriting) with a hard pull on our credit, submitted documents, proof of income and pay stubs. A week later, they reply and said they are sending out written letter of verification of employment. I said WHAT ? We are not at that stage of underwriting so I was confused. So we then get a call from their network "realtor" asking if we wanted to look for a home. I asked realtor "um where do you suggest we look for a home in Los Angeles County for under $400,000 ?". The realtor said nothing - I said, how about a vacant lot in the Mojave desert ? The realtor said she knows something about Southern California realty so tried to apologize. I could not believe the gall of this mortgage company to offer such a low amount to a state of California employee! Very disappointed with this company. Don't waste your time!

Brandon was extremely helpful in finding our family a reduced rate with our car insurance. We are…read morepaying less and receiving MORE benefits than we previously did (such as rental reimbursement and glass coverage). This is saying a lot as we have 3 teen drivers! He also helped us pay less on our homeowners policy. The process was seamless and I have great relief knowing a professional has had eyes on this important financial piece of our puzzle. Thank you Brandon!

I've always been an entrepreneur so health insurance has always been a challenge. A friend…read moreconnected us to Ryan and he was the best!! He laid out all our options so we could compare and gave us great advice for what would work best for our family. It was great to speak to someone who does this everyday and we can count on as our business grows.

Joseph was absolutely phenomenal. The process seemed daunting at first but he made it super easy…read moreand I closed on my first home in March 2026. Really appreciate him and 10/10 recommend him for anyone looking to secure a loan.

James Caskey, my mortage broker just filed A PERSONAL INSURANCE CLAIM against my HOME OWNERS…read moreINSURANCE POLICY to try to collect money because I gave him a google review he didn't like 2.5 years ago. This is extremely unethical and makes me question what he is doing with my other sensitive information. The broker is James Caskey with Legacy Lending USA in Tempe Arizona.4500 S Lakeshore Dr Suite 205, Tempe, AZ 85282 (480) 776-6050. The claim number with my personal home owners insurance is Travelers Claim# INV4433. James Caskey did not like an honest google review I posted in 2019 about his business practices. He recently had someone contact me to remove the review. I stated I was open to removing it if the lender took accountability and apologized for the lies he told me and delays for 7 months and headache with wrong credit reports and funding that was the wrong amount and high interest. He did not apologize but sent another email indicating he was going to possibly "report" me somewhere. The following day I received a call from my homeowners insurance that James Caskey has filed a claim for money. For everyone to see here are some images of emails and dates that consumers can see of the headache I endured for 7 months.

We have worked with Eric twice for purchasing two different properties and he is extremely…read moreresponsive and helpful on getting things done in a timely manner. He made the loan process super easy and helped us make sure we gathered everything needed so the underwriting can be as smooth as possible. We were able to go from re-qual to closing just under 3 weeks for our new home with Eric's help. We highly recoomend Eric and his team!

I recently used Eric Kinneman at LendSmart to refinance my home loan and cash out some equity. He…read moreand his team made the process as painless as possible. The communication was excellent throughout the entire process. Even during the holidays he moved the process along smoothly so that we could close on time. I highly recommend Eric and his team.

My wife and I were looking for a house to purchase. The house that we found needed lots of work. We…read morehad doubts of not being able to find a lender. Claudia worked tirelessly, researching several lenders to see if the home was financeable. Claudia found us a lender! That lender would finance our home and help us transform it into our dream home! Claudia helped us every step of the way. She made herself available for any and all of our questions. Claudia even had the foresight to ask us questions and prepare us for parts of the process that would happen weeks down the road. We are so happy to have worked with Claudia. She really made our dream a reality. My wife and I are now in our dream home. We know this was only possible due to the expertise and dedication of Claudia. Thank you, Claudia!

From the owner: Every homebuyer's journey is unique, and so are our solutions. We specialize in a wide array of…read moremortgage options, including conventional loans, VA loans, ITIN mortgages, and more. Our team, equipped with deep industry knowledge and a commitment to personalized service, ensures that you find the perfect match for your financial situation and homeownership goals. Whether you're buying your first home, refinancing, or exploring non-traditional paths to property ownership, we provide clear, concise, and compassionate guidance every step of the way