SCOTTSDALE MORTGAGE BROKER - HOME LOAN & REFINANCE
Serving Arizona, California, Colorado, Texas, Florida & Oregon
Wain Capital helps Arizona clients access low‑rate home, VA, refinance, jumbo & investment loans — with expert local service.
Explore Our Mortgage Services & Resources
Mortgage Market Insights
Mortgage Market Insights
Stay ahead of the mortgage curve with up-to-date market insights from Wain Capital.
Interest rates are always moving—and whether they’re rising or falling, understanding why can help you make smarter financial decisions. Our team actively monitors bond markets, the 10-Year Treasury yield, and Federal Reserve policy to guide clients on when to lock in rates or consider a refinance.
We simplify complex market data so you know exactly how current trends impact your home purchase, cash-out refinance, or investment strategy.
👉 Curious about today’s rates? Contact us for a personalized rate quote.
Why Choose Wain Capital
Mortgage Market Insights
As a licensed mortgage broker serving AZ, CA, CO, TX, FL, and OR, Wain Capital helps clients secure home loans with expert guidance and wholesale pricing.
We compare dozens of lenders to find the best fit for your needs—whether that’s a low-rate refinance, a jumbo loan, or first-time homebuyer program. With over 20 lender partnerships, we offer more flexibility, faster closings, and zero processing or underwriting fees.
Our Scottsdale-based team is known for honest advice, fast responses, and stress-free loan closings. But don’t just take our word for it—read our 5-star client reviews to see how we’ve helped families across the West.
👉 Let’s build a mortgage plan that works for you.
Explore Our Mortgage Programs
Explore Our Mortgage Programs
At Wain Capital, we offer a wide range of home loan solutions to fit every buyer, homeowner, and investor across Arizona, California, Colorado, Texas, Florida, and Oregon. Whether you're purchasing, refinancing, building, or investing, we’ll match you with the right program and the best rate.
• Conventional, FHA & VA loans
• Jumbo & USDA loans
• First-time buyer programs
• Cash-out & reverse mortgages
• Construction & new build loans
• DSCR & investor financing
• Bank statement & ARM options
Need help choosing the right loan? We’ll compare programs and rates from 20+ lenders to find your best fit.
Transparent, Low-Cost Lending
Personalized Mortgage Guidance
Personalized Mortgage Guidance
Say goodbye to unnecessary lender fees.
As a mortgage broker, Wain Capital operates differently from banks and retail lenders. We don’t charge lender junk fees—no processing, no underwriting, no application fees. Instead, we provide clear, upfront estimates and help you compare rates from a wide network of trusted wholesale lenders.
Clients often save thousands by working with us—without sacrificing service or speed. Whether you're refinancing or buying a new home, our fee structure is designed to keep more money in your pocket.
👉 Ask us for a side-by-side loan estimate today.
Personalized Mortgage Guidance
Personalized Mortgage Guidance
Personalized Mortgage Guidance
We believe great mortgages start with great relationships.
At Wain Capital, we treat every client like family. You’ll work directly with a knowledgeable loan expert who understands your unique financial goals—not a call center or an app. We guide you through every step of the mortgage process, from application to close, with clear communication, fast turn times, and full transparency.
Whether you’re a first-time buyer or an experienced investor, you’ll get hands-on service tailored to your needs. We don’t just want to fund your loan—we want to help you build a strategy for long-term financial success.
Mortgage Learning Center
Personalized Mortgage Guidance
Mortgage Learning Center
We empower you to make smart, confident mortgage decisions.
We make it easy to understand your mortgage options with tools and resources designed for homebuyers, homeowners, and investors.
Mortgage glossary with common terms explained
Video testimonials from real Wain Capital clients
FAQs covering rates, loan types, and closing costs
Market trends and rate movement insights
Tools to compare loan programs and prepare to buy
Licenses, Badges & Industry Recognition
