Local, Family Owned, & Operated


Scott Ray Gripman's passion for the mortgage industry started on September 6th, 1993 in Chicago Illinois and he has been committed full time ever since. Scott worked several years under public and private nationwide mortgage companies to learn all stages of the lending process. He started by marketing to countless prospective clients, analyzing all credit reporting bureaus, calculating income to debt ratios, product selection based on loan specific criteria, originated hundreds of loan applications, processed numerous files, oversaw appraisal disputes, overcame multifarious underwriter conditions, closed and funded more than a thousand loans. On January 27th 1998 Scott was licensed to open Chicago Mortgage Corp. (Mortgage Broker). On February 20th 2002 he opened 1st Alliance Banc Corp. (Mortgage Banker) then expanded operations into six other states. June 3rd 2014 he decided with his wife of twenty years and four children to move to the "Valley of the Sun" Phoenix, Arizona. After working for two mortgage houses for the subsequent two years Scott was intensely unimpressed with their systems. Both companies had back end operation issues, inefficient closing procedures, subpar client support, and the inability to give his clients the best possible mortgage options. As a result, he resigned. On June 2, 2016 Scott was approved and licensed by Arizona Department of Financial Institutions to open AZ Financial, LLC. Although Scott is licensed to do all residential PURCHASE and REFINANCE mortgage loans such as single-family residential homes, townhouses, low to high rise condominiums, and 1-4 unit(s) investment properties. Scott and Team specialize in helping buyers who have had a bankruptcy or other credit challenge to purchase a home with very little down at very attractive rates. If you want honest, reliable, low costs and superior interest rates from the Mortgage Experts give us a call or text today at 480-787-5777. Our email address is We look forward to servicing ALL of your mortgage needs.

Code of Ethics:

  • Treat everyone equally 
  • Be honest 
  • Be fair
  • Be transparent 
  • Always give full disclosure. 
  • Equal Housing Lender