Business Details
8 Years
experience
Your Trusted Mortgage Broker in Scottsdale, AZ
Potempa Team has established itself as a trusted mortgage advisement team dedicated to guiding clients through every step of the loan process. With over $2.8 billion in closed mortgages since 2018 and decades of combined experience, we prioritize personalized service and fast turn times to meet diverse financial needs. Our team of experts specializes in finding tailored solutions for first-time homebuyers, investors, and clients with non-traditional income.We maintain transparency and ethical practices, ensuring no hidden fees or incentives influence our recommendations. Our commitment to exceeding expectations has earned us recognition as a top FHA lender and a trusted advisor in the mortgage industry.
Services
Mortgage Pre-Approval
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Construction Loans
HELOC
Investment Property Loans
Details
- Year established: 2018
Highlights and features
- We have closed $2.8 billion in mortgages since 2018.
- Our team offers over 70 years of combined mortgage expertise.
- We provide some of the fastest turn times in the industry.
- We specialize in personalized service for non-traditional income scenarios.
- We operate with full transparency and no hidden fees.
What people say
Exceptional service
Fast processing times
Personalized solutions
Transparent practices
Expert guidance
Services
Mortgage Pre-Approval
Mortgage pre-approval establishes your borrowing capacity before house hunting. This service provides a clear budget range, strengthens your offer credibility, and accelerates the closing process. Our streamlined pre-approval includes credit assessment, income verification, and tailored rate estimates.
FHA Loans
FHA loans offer accessible homeownership for clients with lower credit scores or limited down payments. These government-backed mortgages require as little as 3.5% down and feature flexible qualification criteria. Our team specializes in guiding first-time buyers through FHA loan benefits and requirements.
VA Loans
VA loans provide zero-down financing for eligible military members and veterans. This service includes benefit verification, certificate of eligibility processing, and competitive rate negotiation. Our specialists ensure veterans maximize their entitlement while navigating the unique VA loan requirements.
Jumbo Loans
Jumbo loans serve high-value property purchases exceeding conventional loan limits. Our program offers tiered pricing based on loan amount, credit profile, and occupancy type. We provide customized underwriting support for luxury homebuyers and investors requiring larger financing solutions.
Refinance Options
Refinance services help clients reduce rates, adjust loan terms, or access home equity. We analyze break-even points, credit impacts, and market conditions to determine optimal timing. Our cash-out and rate-and-term refinancing options cater to diverse financial goals.
People
Timothy Potempa
SVP, Divisional Manager
With 19 years of mortgage experience and over $2.8 billion in closed loans, Timothy ranks among Scotsman Guide's top 100 originators. He specializes in listening-based client guidance and financial education.
Andy Lemon
Branch Production Manager
As a seasoned production manager with NMLS# 198302, Andy oversees loan processing efficiency while maintaining personalized client communication throughout the transaction lifecycle.
Mikaela Marazzo
Senior Loan Officer
NMLS# 988482 senior loan officer with expertise in complex mortgage scenarios, specializing in first-time homebuyer programs and non-traditional income documentation.
Jeff Sosa
Senior Loan Officer
NMLS# 1748112 experienced professional focusing on investment property financing and portfolio optimization strategies for real estate investors.
Lauryn Mirabal
Branch Business Development Manager
Business development leader connecting clients with tailored mortgage solutions while expanding the team's market reach and professional partnerships.
Questions
What documents are needed for mortgage pre-approval?
We require recent pay stubs, W2 forms, tax returns for self-employed applicants, bank statements, and photo ID for pre-approval processing.
Can I qualify for a mortgage with past credit issues?
Yes, we work with clients who have experienced credit challenges, helping them find suitable loan programs and rebuild financial standing.
How do mortgage rates affect my monthly payment?
Your interest rate directly impacts both monthly payments and total loan cost over time. We help clients understand rate-lock options and market trends.
What is the difference between pre-qualification and pre-approval?
Pre-qualification provides a general estimate, while pre-approval involves verified documentation and demonstrates stronger buyer credibility to sellers.
How long does the mortgage process typically take?
Most transactions close within 30-45 days, though timelines vary based on loan complexity, documentation completeness, and market conditions.
Can I refinance with bad credit?
Refinancing options exist for various credit scenarios, including government programs designed to help homeowners improve their financial position.
