Short answer: Elite Mortgage is a locally owned, independent mortgage brokerage licensed to originate loans throughout Arizona, with a physical office at 1874 S Ave B in Yuma. Our core service area is Yuma County — Yuma, Fortuna Foothills, San Luis, Somerton, Wellton, Gadsden and the surrounding communities — and we regularly close loans statewide, including Phoenix and Tucson. Office hours are Monday through Saturday, 9am to 5pm.
Our three primary markets
Yuma, AZ · 85364 · 85365 · 85367
Our home market. Military buyers from MCAS Yuma and Yuma Proving Ground, first-time buyers, agricultural and seasonal income files, and refinances across every neighborhood in the city.
- VA loans for active duty and veterans
- FHA and first-time buyer programs
- Agricultural and seasonal income
- Refinance and cash-out
Fortuna Foothills, AZ · 85367 · Yuma County
Higher-value homes, larger lots, retirees and winter residents. Second-home financing, jumbo scenarios and acreage properties that confuse out-of-state underwriters.
- Second home & seasonal residence loans
- Larger loan amounts and jumbo
- Acreage and well/septic properties
- Retirement and asset-based income
View the Fortuna Foothills page →
San Luis & Somerton, AZ · 85349 · 85350 · Border Region
First-time buyers, bilingual service, ITIN and non-traditional credit scenarios, and USDA-eligible zero-down opportunities in the surrounding rural areas.
- Servicio completo en español
- First-time buyer & down payment help
- USDA rural eligibility checks
- Seasonal agricultural income
Everywhere in Arizona, rooted in Yuma
There’s a difference between a lender that can lend in your area and a lender that understands it. Any licensed company can fund a mortgage in Yuma County. Far fewer know that a large share of local homes are manufactured, that agricultural income here arrives seasonally rather than in tidy monthly deposits, that half the neighborhoods in the Foothills fill up in November and empty in April, or that a buyer with PCS orders to MCAS Yuma may need to close from another state entirely.
Elite Mortgage was founded in 2021 by Gustavo Espindola, a Yuma native, to give this community a real alternative to out-of-town call centers. Because we’re an independent mortgage broker rather than a single bank, we shop your file across multiple wholesale lenders — which often means competitive pricing, disclosed in your Loan Estimate, and, more importantly, a second and third option when the first lender’s guidelines don’t fit your situation.
Elite Mortgage at a glance
- Fast closings — in as fast as two weeks — see the closing-time note in the footer
- 2021 — locally owned and operated since
- AZ — licensed statewide, based in Yuma
- 6 days a week — Monday–Saturday
Full coverage across Yuma County and beyond
Our three primary market pages above cover the communities where we do the most volume. We also originate loans regularly in:
- Somerton
- Wellton
- Gadsden
- Dateland
- Tacna
- Roll
- Winterhaven
- Yuma Proving Ground
- MCAS Yuma
- Phoenix
- Tucson
- Casa Grande
- Buckeye
- Maricopa
- Surprise
- Sierra Vista
- Lake Havasu City
- Bullhead City
- Prescott
- Flagstaff
If your property is anywhere in Arizona, we can finance it. If it’s in Yuma County, we can probably tell you the street.
Loan programs available in every area we serve
| Program | Typical down payment | Best suited for |
|---|---|---|
| VA Loan | 0% | Veterans, active duty, Guard and Reserve, eligible surviving spouses |
| FHA Loan | From 3.5% | First-time buyers, lower credit scores, higher debt ratios |
| Conventional Loan | From 3% | Strong credit, avoiding lifetime mortgage insurance, second homes and investment |
| USDA Rural Development | 0% | Eligible rural addresses within household income limits |
| Refinance | Equity based | Lower rate, shorter term, removing mortgage insurance, cash-out |
See all loan programs for details on each option.
Elite Mortgage LLC is a private, independent mortgage broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA or any government agency.
What a local broker changes about your file
Appraisal speed. We know which appraisers cover Yuma County and how far out they’re booked. Appraisal timing is the number one cause of blown closing dates.
Property type judgment. Manufactured, park model, acreage with well and septic, mixed agricultural parcels — we flag problems before you’re under contract, not two weeks before closing.
Income that isn’t a salary. Farm income, seasonal harvest work, self-employment, BAH and BAS, retirement and asset draw-down. These require documentation strategy, not a form.
Offer credibility. A local pre-approval that a listing agent can call and verify wins against an automated letter from an unfamiliar website.
Language and access. Bilingual service, Saturday hours, and an office door you can walk through.
The market we work in: Yuma County isn’t a generic housing market
Yuma sits in Arizona’s southwest corner, at the point where the state meets both California and the Mexican border, and its economy runs on three engines: agriculture, the military, and seasonal residents. Each one shapes mortgage lending here in ways a national underwriter doesn’t intuitively grasp.
Agriculture makes Yuma one of the country’s most important winter produce regions, which means a substantial number of local borrowers earn income seasonally or through self-employment tied to the growing calendar. Documenting that income correctly — showing consistency across years rather than months — is often the difference between an approval and a denial.
The military presence at Marine Corps Air Station Yuma and the U.S. Army Yuma Proving Ground creates steady demand from buyers using VA loans, frequently on compressed timelines driven by orders. And every winter, the county’s population swells with seasonal residents and winter visitors, many of whom eventually buy a second home here — a different loan product with different rules than the primary residence most lenders assume you’re purchasing.
Understanding all three is not a marketing claim. It’s the reason files can close in as fast as two weeks — see the closing-time note in the footer — instead of falling apart in week five.
Questions about where and how we lend
Which areas does Elite Mortgage serve?
We’re licensed to originate loans throughout the state of Arizona. Our office is in Yuma at 1874 S Ave B, and our core service area is Yuma County — Yuma, Fortuna Foothills, San Luis, Somerton, Wellton, Gadsden and surrounding communities. We also close loans in Phoenix, Tucson and elsewhere across the state.
Do I have to come into your office?
No. The whole process can run by phone, email and secure electronic signature, and most clients never set foot in the office. But if you’d rather sit across a desk from a person while you make the biggest financial decision of your life, we’re open Monday through Saturday, 9am to 5pm, and you’re welcome any time.
Can you finance a home elsewhere in Arizona?
Yes. Our wholesale lending partners operate statewide, so a property in Phoenix, Tucson, Casa Grande or Flagstaff gets the same programs and pricing as one in Yuma. Location within Arizona doesn’t restrict your options — it only changes which appraiser we’re waiting on.
Do you help winter visitors buying a seasonal home?
Regularly. Yuma County’s seasonal population is significant, and second-home purchases are routine business for us. Second homes carry different occupancy requirements, down payment expectations and pricing than primary residences, and the loan has to be structured correctly from day one — getting that wrong late in the process is expensive.
Can you help if another lender has already declined me?
Frequently, yes — and it is worth asking rather than assuming. Most declines come from one lender’s internal overlay rather than the loan program’s actual rules. Because we submit to multiple wholesale lenders with different appetites, a file rejected by a single bank regularly closes with us. If you have the decline letter, bring it; knowing the stated reason usually saves a week.
¿Hablan español?
Sí. We serve a large bilingual community throughout Yuma County, including San Luis and Somerton, and we can walk you through the entire mortgage process in Spanish — from pre-approval through closing documents.
How fast can you close in these areas?
We can close in as fast as two weeks — see the closing-time note in the footer. The variables are appraisal availability, how quickly you return documents, and the loan program. Knowing the local appraisers and ordering early is a genuine advantage that out-of-state lenders don’t have here.
Do you work with local real estate agents?
Every week. We work alongside agents throughout the Yuma area and will speak directly with a listing agent to strengthen your offer. Local agents have learned that our pre-approvals are underwritten rather than auto-generated, which carries real weight in a multiple-offer situation.
Which lenders do you actually shop my loan with?
We place loans with several wholesale lenders rather than one institution. Which ones we approach depends on your file — credit profile, property type, occupancy and program all change which lender is most competitive for your situation that week. You will always be told which lender your loan is going to before you lock a rate. That transparency is the point of using a broker.
Why use a local broker instead of a national online lender?
Two reasons. First, a broker shops multiple wholesale lenders instead of selling one company’s product line, which typically means competitive pricing — disclosed in your Loan Estimate — and a backup plan when guidelines don’t fit. Second, local knowledge is not sentimental — it’s practical. Manufactured homes, seasonal agricultural income, military borrowers on PCS timelines, and second-home buyers all have failure modes that a national underwriter discovers late and a local broker catches on day one.
Elite Mortgage LLC · NMLS #2339191 · Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, property appraisal, income and asset verification, and program guidelines, which are subject to change without notice. Program availability varies by property location and property type. Licensing information may be verified at the NMLS Consumer Access website.