Buy a home with little to no money down
You asked and we listened. In addition to serving all of AZ, we are now licensed to serve all of CA, OR, WA & CO

Refinancing Options
Lower your rate and payoff your debts with our customized refinance options.

More and more homeowners are remodeling or adding on to their current home, let us make it easy for you.

Home Improvement
Get that kitchen, bathroom, den or master bedroom that you always wanted. The possibilities are endless.


give us many options

amount of credit

up to $5M

fast & easy process

Pre-Approval only 30 min

long loan term

up to 30 Year

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Fast & Easy Application Process

Choose Loan Amount

It is recommended to look for homes that cost no more than three to five times your annual household income.

Select the Right Loan Program

Home loans come in all shapes and sizes. We will help you choose the right program for you.

Apply For A Loan

Complete and submit your loan application.

Get Your Loan Approved

Get all of the paperwork required to complete the purchase, including your loan documents.

Get Your Cash for New Home Purchase

Once all previous steps are done, you are ready to get funds and move into your new home soon!

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Loan Products We Offer

Buying a Home
We reward money-saving real estate program for home buyers…
We refinance our clients as rates change quickly and…
We refinance our clients as rates change quickly and…

Why work with a mortgage broker?

We’re making mortgage lending easy again. Our locally owned and family operated Mortgage Brokerage takes the stress and guesswork out of buying or refinancing your home.

Working as a Mortgage Broker gives us the ability to do the shopping for you which assures you the best possible program and rate for your lending needs. We are not tied to any one lender or investor which means we are looking out for you.

With 100% transparency our clients agree and that’s why they’ve rated us 5 stars on Zillow!


Mortgage Calculator

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what people say

Some of our Awesome Testimonials

Great experience working with Mitch and Shana. Very professional yet warm and friendly. They were really upfront and on top of every…

Excellent group to work with. They are dedicated to their work and helping the customer. We had a lot of issues with…

I have been through many refinances over the years and this was the smoothest, quickest and most efficient refi I have every…

Answered my many questions and made the process as smooth as possible. Good team!

Excellent group to work with. They are dedicated to their work and helping the customer. We had a lot of issues with…

Mitch Stam worked very hard to make sure that I received the best rate and mortgage to fit my requirements. I have…

One of the best experiences we have had in a very long time. The process was seamless and stress free. The group…

Jeremy assisted me with securing my mortgage and I was very pleased with my experience. Not only was he very quick to…

A Google User

The team at Desert Springs Mortgage are professional and first rate! They worked hard for us and communicated thoroughly and consistently throughout…

Mitch was our lender when we bought our house 5 yrs ago, so I hired him to do a refi for us…

Mitch Stam of Desert Springs Mortgage was a pleasure to work with. He answered my every phone call personally, was very knowledgeable…

I had an excellent experience. Mitch and Shana were very professional and responsive to all of my questions. Closing was much faster…

Mitch was excellent to work with. This is my second time working with Mitch and it was an excellent experience again. He…

He was there any time i needed anything answered day or night. He made the process really semple. I was emailed a…

Closed in a little over 3 weeks with 2 changes in type of loan. Interest rate was competitive. We are very pleased.…

We are here to help

Speed Up the Loan Process

Apply online now with our safe and secure online application or contact us to have an experienced mortgage professional listen to your specific needs and tailor make a mortgage solution that is uniquely yours!



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Different Types of Loans


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