5.0 out of 5 Stars - 100% recommended testimonials

Refinance primary residence

Dino & Delia V - Romeoville, IL I have know Scott for more than 15 years and I work in the same industry. I called several of the big mortgages companies and was not comfortable with their responses and closing fees. I had a bit of a difficult situation previously trying to consolidate my first and second mortgages into one mortgage. Scott came up with a great idea to eliminate my second mortgage payment and also offered me a great 20 year fixed rate. The process was smooth. We accomplished the closing  within 30-45 days. Even though Scott's office was out of state, we were able to communicate freely on the phone and computer. If I ever have to refinance or buy a future home, I know who I will be calling - SCOTT!

Diligent Worker Straight Forward Individual

Todd & Juli Vaught. - Tucson AZ My wife and I had really ended up liking and trusting Scott G. We both were self-employed with different businesses we wanted to refinance our primary and an investment home for the lowest interest rate available. Scott tried to keep it as simple as he could and even worked around a two-week vacation we had scheduled and an auto accident that happened while out of town, all during the refinance process. It's a big deal to go thru all the tax forms, get appraisals, etc., but if we needed or wanted to do it again we would definitely give Scott a call because of the consistent treatment we received. All said and done we are glad we did it. We love the lower payments. Thank you for your hard work and hope continued success for your business. 

Speed and Professionalism!

Silvius G - New York We are the Grant family, we live in NYC and were looking for a second home mortgage loan in AZ. I was completely sold on another lender when a local friend told me about his mentor. I contacted AZ Financial just to compare rates 15 or 30 year mortgage. Mr. Gripman was able to explain the full process in less than 1 hour with professionalism and transparency regarding all fees associated with my loan. Immediately, I fired my old loan officer, he couldn’t answer my questions for weeks. Mr. G walked me through the process step by step, fee by fee and he secured me a discounted loan from one of his lenders. I locked in my rate for 30 days in less than 48 hours from my initial call. I strongly recommend any person shopping for a loan that wants to keep his sanity to go to AZ Financial. 

First time home buyers

Jennifer K - Chicago, IL Scott  was very professional and detail oriented through the entire process. He was always there to help with additional questions my husband and I had, even after normal business hours. His positive attitude and his willingness to go out of his way and provide us with quick answers put  our minds at ease.   



Best there is!

Andre - Mesa, AZ I had been shopping around for quite some time. I was referred to Scott by another financial company. Scott went above and beyond anything I had experienced in the past dealing with major banks and private lenders. Communication was spot on, always willing to clarify every little detail. 


Great rate and response time

Muzi - Chandler, AZ  After researching up to 6 businesses, Scott was able to provide me with the best rates and lowest costs. Additionally, his response time was very prompt. I got answers to my questions within hours or even minutes. I certainly would recommend Scott G. & AZF. 

Great Service

Jeffrey - AZ Working with Scott was a pleasure. He made a difficult process seem easy. Scott was honest and upfront concerning every aspect of the process. We even needed an unexpected, last minute termite inspection and Scott took care of everything. I highly recommend Scott; just wish he was a mechanic too. Thanks for everything. Jeff D.

Excellent AAA+++

Joanna - AZ I am so glad we found Scott to help us with our loan. He was so easy to work with and was always on top of things. He was available to answer all our questions and the rate he got us was by far the best. Our builder was incredibly slow, and he was able to push all of our paperwork through, so we could close on time. 

Super Smooth Process

R.J. Salow - Phoenix, AZ Probably the most simple and straight forward refinance that I have ever been through. The communication was outstanding, and they did what they said they would do. I could not ask for more I will definitely use them again. 

Great Experience

Edith Munoz - Maricopa, AZ Scott was great to work with. He made the process for us so simple and fast. Always kept us in the loop and answered all our questions. I highly recommend him!  

Superior Customer Service

Lisa G - Fountain Hills, AZ Scott's availability, quick response and attention to detail ensured our quick closing went smoothly. We have used Scott's services several times, he has never disappointed 100% recommended testimonials!


Very, very grateful and satisfied!

Cheryl and Norm - IL My husband and I were referred to Scott G. by our financial adviser. At first, we were checking into doing a reverse mortgage. Scott worked up an overview of the numbers and sent us to a housing counselor. After reading all the material on reverse mortgages and talking to the counselor, we decided to refinance. We paid off our first and second mortgage plus 3 large credit cards. Scott got us the best rate and worked very diligently for the past 5 months even though the mortgage amount is under $100,000. Thanks Scott for helping us out. You are the best!!!

Top Notch and Truly Professional He's as good as it gets.

Phil and Lisa Greco - Fountain Hills, AZ One of the worst things is doing business with someone who can't even find the time to return phone calls. Scott is always in contact with you and can answer all your questions. He returns every call and always keeps you updated on progress. Scott is as professional as it gets. Great rates too! Whether you're a first-time buyer or a seasoned buyer, Scott is there for you to walk you through the whole process. I have used Scott multiple times for a reason. They say in real estate the key is "Location, Location, Location". Business with Scott is "Reputation, Reputation, Reputation". Thanks for everything...You Rock Kid! 

What an amazing experience!

Daniella Youssif - Phoenix, AZ Scott will forever be remembered as a miracle worker within my household. Not only did he do the impossible by closing on a deal for my mother who has not had a home to her name in over 10 years, but he was an absolute delight to work with. What he did for my family was above what any other lender would have done, as we had gone through multiple lenders and all of which failed to close. We thank the day we met you Scott, you have truly improved our lives! 

Knowledge is Power

B. Cross - Maricopa, AZ Scott was very professional, knowledgeable, and understanding through a difficult transaction. Scott was great to work with. He answered all of my questions was friendly and worked hard to get the deal done. 

AZ Financial & Scott Gripman

Nathaniel Cruz (Veteran) - Buckeye, AZ Scott helped me get an excellent rate and help me a get home within no time. They walked me through the whole process and made sure all my paperwork was done in order for me to get the house that I wanted. I was truly amazed and highly recommend them to my friends and family. You're the best Scott and thank you for everything!  

Great Job!

John K (Veteran) - Sun City, AZ I was given Scott's name and email by my sister. Scott helped her with her loan too. He helped me get a VA loan for my home. There was a bump or two and Scott was able to handle them with no problems. I am in my new home and I am happy! - John K 


5 Stars all day!

Joe L - Scottsdale, AZ Worked with Scott G. from start to finish, with no hand offs to a processor or assistant. I often don't believe peoples testimonials so this was a first for me. He is very knowledgeable, and it was a fast & easy process. I took 10 minutes on the phone to complete my application, he emailed it to me, for review, completed an electronic signature, then uploaded my docs requested checklist, then locked my loan, paid for my appraisal, and closed in 2 weeks. WOW!!! Oh, the best part was he gave me a lower rate and a surprise lender closing cost credit. 100% recommended. Use AZ Financial I guarantee you will not be disappointed! 

Scott Ray Gripman

Pat Fallon - Peoria, AZ Scott is on the ball at all times! I had recently bought my first home and was stuck on a high interest rate and needed some help! After he assisted me with the refinance, I saved closer to $200 a month and Thousands in cash back!! Very knowledgeable & kind. I have and will refer to all my friends and family.

Wonderful working with Scott

Tare T. - Mesa, AZ Let me first start off by saying that my fiance Joseph and I had the best experience with refinancing our home with AZ Financial and our amazing loan officer Scott Gripman. We have used Scott in the past and each time he has been great to work with. Thank you for making refinancing our home as easy as possible.


Stuart Kipperman - Phoenix, AZ  We had a mortgage with another “Nationwide Lender” who swore they would be the only ones to give us the best rate at the lowest cost on a refi because they already held our mortgage. They said, "they were #1 in the country and no one could beat their deals". Scott beat them both with a lower rate for a 30-year fixed and lower closing costs to do the refinance with over a $2000 difference from “Nationwide Lender” Scott is a knowledgeable expert, professional, dedicated and committed to meet whatever challenges present themselves. He expedited our mortgage handling all the details and keeping us in the loop at every stage. I was relentless with questions and challenges, but he came through with flying colors and never hesitated to explain each step-in detail that I questioned. Scott also did our daughter's mortgage under very, very, challenging circumstances. She had just lost her job so qualifying for a new home mortgage with less income presented many obstacles which he faced and conquered as well! Scott is without a doubt is someone you want in your corner when it comes to mortgages!  

THANK YOU Scott for all of your help in the past years

Dawn Pham - Gilbert, AZ “ I have worked with Scott in several occasions.  He helped me with the purchase of my first home, then twice to refinance.  I was cautious and was hoping to find someone who cares about what he/she does to help me with my first home purchase a few years ago.   I think we all feel this way when it comes to our money.  I am very grateful to know Scott and work with him on this most important and critical finance decision.  Scott is a warm individual, very professional, knowledgeable in the field, and extremely helpful.  He explains every step of the way, goes out of his way and makes sure I understand the process thoroughly.  I always walk into his office knowing that I could trust Scott and that my decision is best for me financially.  After the process is completed, Scott never hesitate  to assist with questions or any documents come in the mail that I need verification.  He cares and I would trust Scott for helping me with any mortgage/ refinance loans in the future.  His warm attitude and care make the most complex process so much easier and smooth.”  

Thank you again for everything. I couldn't have done it without your help.

Arturo Arellano - Phoenix, AZ About two years ago Scott contacted me to introduce himself as a home loan officer and I told him that I wasn't ready to purchase a home just yet. He never contacted me again or push me into buying anything.  Approximately 2 1/2 months ago, I woke up early one morning, started paying bills and I got to thinking about the increasing  price of rent, I decided to purchase a home because I'm tired of paying rent and not getting equity from it.  I sent him an email on a Saturday to inform him of my plans, but instead of waiting until Monday, he asked me to meet him in his office to start the process. He pre-qualified me for a loan and we started shopping for a home.  Once my offer was accepted, he worked tirelessly for 3 weeks to get my loan approved.  He would send me emailed documents to sign at 3 AM because he was still in his office processing my loan.  Approximately 24 hours before our scheduled closing date, he sent me a text telling me to sign more documents (AGAIN), because he was able to lower my mortgage payment and loan amount and APR. What more can anyone ask for from a loan officer.  Scott and I have become close friends and I have a feeling we will remain friends for a very long time. I would recommend Scott to anyone who is looking to purchase a home or two.

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Andre P - Mesa, AZ - Five Diamonds for Overall, Expertise, and Professionalism - I had been shopping around for quite some time. I was referring to Scott by another Financial company. Scott went above and beyond anything I had experienced in the past dealing with major banks and private lenders. Communication was spot on, always willing to clarify every little detail.

Scott Gripman

user566007 - Peoria, AZ - Scott is on the ball at all times! I had recently bought my first home and was stuck on a high interest rate and needed some help! After he assisted me with the refinance, I saved closer to $200 a month and Thousands in cash back!! Very knowledgeable & kind. I have and will refer to all my friends and family!


Bruce J - Scottsdale, AZ - My wife and I are very satisfied with the amazing service received for our second home vacation purchase.  AZ Financial got us a clear to close in 10 days from start to finish. The interest rate and costs were the lowest available online. We shopped a few places and decided on working with AZ Financial, LLC and Scott Gripman. Their experience and professionalism showed throughout the whole process. Thank you for making our purchase fast and easy with more than competitive costs. I will recommend AZ Financial, LLC to all of our family, friends and co-workers!!!

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Investment Purchase - June 2019

 Liliana L. - Gilbert, AZ - Scott Gripman helped purchase an investment property. He is experienced and very professional. He knows his programs and will work with you day and night to find the best product and rate for your needs. I will highly recommend Scott and his AZ Financial team to my family, friends, and anyone who wants to purchase a home. Great experience!