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Directory of va loan specialists in Cottonwood, Arizona. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Cottonwood, AZ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Arizona before hiring.
Showing 11 va loan specialists in Cottonwood, AZ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
OneAZ Credit Union
601 AZ-89A Suite 1, Cottonwood, AZ 86326
9286497300
AZ LOANS - Cottonwood
960 S Main St, Cottonwood, AZ 86326
9286340818
Fast Auto Loans, Inc.
841 S Main St, Cottonwood, AZ 86326
9286468602
Credit Union West
1672 E Cottonwood St C, Cottonwood, AZ 86326
9287787156
The Trent Baxter Team at Synergy One Lending, Inc. - Sedona, Cottonwood, Prescott, Flagstaff
698 Cove Pkwy STE A, Cottonwood, AZ 86326
9288520401
Fairway Independent Mortgage Corporation
830 S Main St #1a, Cottonwood, AZ 86326
6024104197
Chad Aaron Burgueno | Fairway Independent Mortgage Corporation Loan Officer
830 S Main St #1a, Cottonwood, AZ 86326
9286345490
Cottonwood VA Clinic
501 S Willard St, Cottonwood, AZ 86326
9286491532
Andrew Ogden-Barrett Financial Group LLC
830 S Main St Suite 2D, Cottonwood, AZ 86326
9283004104
Northern Arizona Mortgage Corporation
707 E Mingus Ave # 601, Cottonwood, AZ 86326
9286344251
Chase Mortgage
1540 AZ-89A, Cottonwood, AZ 86326
9286345567
What Does a VA Loan Specialist in Cottonwood Cost?
Typical costs for a VA loan specialist in Arizona include an origination fee of 1 percent of the loan amount, which is capped by the VA. Third party costs such as appraisal fees range from 500 to 700 dollars in Cottonwood. Title and escrow fees vary but average 1500 to 2500 dollars. The VA funding fee for first time use is 2.15 percent of the loan amount for regular military and 2.4 percent for reserve or National Guard. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a VA loan specialist in Cottonwood?
A VA loan specialist is a licensed mortgage professional who helps veterans apply for and close VA-backed home loans. They know the specific requirements for Cottonwood properties and can assist with the Certificate of Eligibility.
Are there Arizona specific rules for VA loans?
Yes, Arizona follows federal VA guidelines but also requires all loan originators to be state licensed. Arizona does not charge state income tax on military pay, which can affect your debt to income ratio when applying for a VA loan.
How do I choose a VA loan specialist in Cottonwood?
Look for a specialist with a current Arizona mortgage license and experience with VA loans. You can verify their license through the Arizona Department of Insurance and Financial Institutions website. Ask about their familiarity with Cottonwood area appraisals and closing timelines.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Arizona.