Phoenix · Scottsdale · The Valley
A Phoenix Mortgage Broker Who Makes the Numbers Make Sense.
Clear answers, competitive mortgage options and personal guidance for homebuyers, homeowners and investors throughout Phoenix, Scottsdale and the Valley.
Jim Lyddon, President
Individual NMLS #2573609
JHL Mortgage, Inc.
Company NMLS #2573609
Serving the Valley
Phoenix, Scottsdale and surrounding Arizona communities
Equal Housing Opportunity
Why work with Jim
The strategy behind the mortgage, not just a product quote.
Most mortgage conversations start with a rate. Jim starts with what you are trying to accomplish, then shows you which structures get you there and what each one actually costs over the time you plan to keep it.
Honest Answers
If a loan does not make sense for your situation, Jim says so. You get a straight explanation of what works, what does not and why — before you commit to anything.
Multiple Options
As a broker, Jim works with a range of wholesale lenders rather than one institution's product shelf. That means structures to compare instead of a single take-it-or-leave-it quote.
Personal Guidance
You work with Jim directly. Questions get answered by the person who structured your loan, not by whoever happens to pick up a queue line.
Problem-Solving Experience
Self-employment income, unusual property types, tight timelines and files another lender declined — these are the scenarios where knowing how the guidelines actually work matters most.
Mortgage solutions
Financing for how people actually buy in Arizona.
Only programs Jim currently offers are shown publicly. Additional structures may be available for your scenario — ask him directly.
Buying a Home
Pre-approval and program comparison before you write an offer.
Learn moreFirst-Time Homebuyers
A clear walkthrough of down payment, mortgage insurance and monthly cost.
Learn moreRefinancing
Rate, term and payment strategy modeled against your break-even.
Learn moreVeterans and VA Loans
Entitlement, funding fee and reuse of the benefit, explained plainly.
Learn moreLuxury and Jumbo Financing
Multiple jumbo investors compared for higher loan amounts.
Learn moreSelf-Employed Borrowers
Income reviewed from your returns before you shop, not during underwriting.
Learn moreReal Estate Investors
Occupancy, reserves and rental income treatment reviewed up front.
Learn moreHome Equity Solutions
Access equity through the structure that fits your existing mortgage.
Learn moreLocal Phoenix expertise
Financing changes from one Valley city to the next.
A 1950s home in central Phoenix, a condominium in Old Town Scottsdale and a new build in Buckeye are three different financing conversations. Pick your city to see how Jim approaches it.
Mortgage calculators
Run the numbers before anyone asks for your information.
No contact details required to see results. When you want a second set of eyes on them, Jim is one click away.
Monthly Mortgage Payment Calculator
Estimate principal, interest, taxes, insurance, HOA dues and mortgage insurance separately.
$100,000 down
Verify the actual parcel rate
Applied when down payment is under 20%
Estimated monthly payment
$2,928
Loan amount $400,000 · Down payment $100,000
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Resource center
Straightforward mortgage education, written for Arizona borrowers.
Guides, checklists and answers organized by where you are in the process.
Buying a Home
Mortgage Preapproval Explained
What a preapproval actually verifies, and what it does not.
Buying a Home
Preapproval Versus Prequalification
The practical difference and why it matters when you write an offer.
Buying a Home
Documents Needed for a Mortgage
The standard document set, and why each item is requested.
Buying a Home
Understanding Closing Costs
What the categories are and which ones you can influence.
Buying a Home
Understanding Earnest Money
How the deposit works and how it relates to your closing funds.
Buying a Home
The Mortgage Process Step by Step
From first conversation to signing, in order.
Reviews
What Jim's clients say.
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Meet Jim
Jim Lyddon, President of JHL Mortgage, Inc.
Jim Lyddon is the President of JHL Mortgage, Inc., a mortgage brokerage serving homebuyers, homeowners and real estate investors throughout Phoenix, Scottsdale and the surrounding Arizona communities.
Jim's approach is simple: explain the mortgage clearly enough that you could explain it to someone else. That means showing the math, naming the trade-offs and telling you when the answer is “wait” rather than “apply.” He stays reachable from the first conversation through closing, and he treats a difficult file as a problem to solve rather than a reason to decline.
Start With a Conversation, Not an Application.
Tell Jim what you are trying to accomplish. He will help you understand the numbers, compare your options and determine the right next step.