Gustavo Espindola, Yuma Mortgage Broker
NMLS #1469643 · Founder, Elite Mortgage, LLC (NMLS #2339191)
Se habla Español
Gustavo Espindola is a Yuma native and the founder of Elite Mortgage, LLC, the independent mortgage brokerage he opened in 2021. He is a licensed mortgage loan originator (NMLS #1469643). We are licensed by the Arizona Department of Insurance and Financial Institutions (DIFI) under company NMLS #2339191, and we arrange loans in Arizona only.
If you are buying or refinancing in Yuma, or you have PCS orders to this area, you can talk with a local advisor — in English or Spanish — and review options shopped across multiple wholesale lenders.
About Gustavo
Gustavo grew up in Yuma and has been in the mortgage industry for more than 10 years. He founded Elite Mortgage in 2021 so local families could work with a local advisor, in English or Spanish, and compare loan options from more than one wholesale lender rather than being limited to a single bank’s programs.
He is the loan originator behind Elite Mortgage, LLC. You can verify his individual license (NMLS #1469643) and the company’s license (NMLS #2339191) at NMLS Consumer Access. Our licensing page lists the same numbers and our Arizona DIFI license.
Gustavo and the team work from our office at 1874 S Avenue B in Yuma. We are open Monday through Saturday, 9 a.m. to 5 p.m. You will find more of the company story on our About and Why Elite Mortgage pages.
How Gustavo helps VA and PCS families
VA loans are our main focus. We work with military families who have PCS orders to Marine Corps Air Station Yuma (MCAS Yuma) and the U.S. Army Yuma Proving Ground, as well as veterans, members of the National Guard and Reserve, and eligible surviving spouses.
Yuma has a large community of VA-eligible buyers, and PCS timelines are often tight. When you call us, we can talk through eligibility, how documented Basic Allowance for Housing (BAH) may be treated as income, and whether you may have remaining VA entitlement from a previous duty station. If you have not yet arrived in Yuma, we can still start a pre-approval conversation. A properly prepared specific power of attorney can also let a spouse or representative sign if you are traveling or deployed — it has to be drafted correctly, and drafted early.
Our VA loans page and our Yuma page walk through VA eligibility, entitlement, and the appraisal process in more detail. Elite Mortgage, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of the VA, the Department of Defense, the U.S. Marine Corps, or any government agency.
Loan programs we arrange
Elite Mortgage, LLC is an independent mortgage broker — not a bank or a lender. We arrange loans with third-party wholesale lenders. The programs we offer include:
- VA loans. For eligible veterans, service members, and surviving spouses. This is our main focus, including families relocating to MCAS Yuma or Yuma Proving Ground.
- FHA loans. Often a fit for first-time buyers or borrowers who need more flexible credit or down-payment guidelines than a conventional loan allows.
- Conventional loans. For buyers whose credit and down payment fit conventional guidelines, including some second-home and investment-property situations.
- USDA loans. For eligible rural addresses around Yuma, subject to location and household income limits.
- Refinance. For existing homeowners who want to review a rate-and-term or cash-out refinance.
Program availability and terms depend on eligibility and lender guidelines. We do not quote rates or payments on this page. If you move forward, those figures appear on your Loan Estimate. Elite Mortgage, LLC is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
Why work with a broker
Because we are an independent broker, we shop a file across multiple wholesale lenders instead of offering only one company’s products. If one lender’s guidelines are not a fit, we can often move the file to a lender whose guidelines may work. Every figure we present is disclosed in your Loan Estimate.
You work with a dedicated, licensed advisor rather than a rotating call-center queue. We know this market — including manufactured homes, agricultural and seasonal income, and the neighborhoods around MCAS Yuma and Yuma Proving Ground — and we are available six days a week at our Avenue B office. You can read more about how we work on Why Elite Mortgage.
Google reviews
Elite Mortgage has a 5.0 rating on Google from 52 reviews, as shown on our website as of September 2, 2026. Ratings and review counts change over time. Reviews reflect individual experiences; results vary.
Read our Google reviews (opens in a new tab).
Visit or call
We would rather talk with you than have you guess at a form.
- Elite Mortgage, LLC
- 1874 S Avenue B, Yuma, AZ 85364 (directions)
- Phone: (928) 597-8122
- Email: Info@elitemortgageaz.com
- Hours: Monday–Saturday, 9 a.m. to 5 p.m. · Sunday closed
- Se habla Español. You can do the process in Spanish, from the first call through closing.
You can also use our contact page or request a quote on the website. There is no fee to request a quote, and submitting the quote form does not create a loan application or affect your credit score.
Questions people ask
Who is a good VA loan officer in Yuma?
Gustavo Espindola (NMLS #1469643) is a licensed mortgage loan originator in Yuma and the founder of Elite Mortgage, LLC (NMLS #2339191). We arrange VA loans for veterans, service members, and families with PCS orders to MCAS Yuma or Yuma Proving Ground, and we are licensed in Arizona only. Call (928) 597-8122. Se habla Español.
Is Gustavo Espindola licensed in Arizona?
Yes. Gustavo Espindola (NMLS #1469643) is a licensed mortgage loan originator in Arizona. Elite Mortgage, LLC (NMLS #2339191) is licensed by the Arizona Department of Insurance and Financial Institutions. We arrange loans on Arizona properties only. You can verify either license at NMLS Consumer Access (nmlsconsumeraccess.org).
Does Gustavo work with VA loans and PCS moves to Yuma?
Yes. VA loans are our main focus. We work with military families who have PCS orders to MCAS Yuma and Yuma Proving Ground, and with veterans and other eligible borrowers. If you have not arrived in Yuma yet, we can still start a pre-approval conversation. Approval is never guaranteed and depends on eligibility, credit, and the property.
Is Elite Mortgage a bank?
No. Elite Mortgage, LLC is an independent, licensed mortgage broker — not a bank and not a lender. We arrange loans with third-party wholesale lenders and shop a file across multiple lenders rather than selling only one company’s products. We are licensed in Arizona only.
Does Elite Mortgage speak Spanish?
Yes. Se habla Español. You can do the process in Spanish, from the first call through closing, without an outside translator. Call (928) 597-8122, Monday through Saturday, 9 a.m. to 5 p.m., or email Info@elitemortgageaz.com and ask to be contacted in Spanish.
Can I work with Elite Mortgage if I live in another state but I am buying in Arizona?
Yes. We are licensed in Arizona only, so we can arrange a loan when the property is in Arizona, even if you currently live elsewhere. This is common for PCS moves and for buyers relocating to Yuma. We can handle the file by phone, email, and electronic signature.
Equal Housing Opportunity
Compliance
Gustavo Espindola (NMLS #1469643) | Elite Mortgage, LLC (NMLS #2339191)
1874 S Avenue B, Yuma, AZ 85364 | (928) 597-8122 | Info@elitemortgageaz.com | Mon–Sat 9am–5pm, Sun closed
Licensed by the Arizona Department of Insurance and Financial Institutions (DIFI).
Verify our licenses at www.nmlsconsumeraccess.org.
Elite Mortgage, LLC is a licensed mortgage broker, not a lender or bank; we arrange loans with third-party wholesale lenders. This is not a commitment to lend or an offer of credit. Not all applicants will qualify. All loans are subject to credit approval, property appraisal, income and asset verification, underwriting and program guidelines, which are subject to change without notice. Rates, fees and terms vary by loan program, credit profile and market conditions and will be disclosed in your Loan Estimate. Elite Mortgage, LLC is a private company, not a government agency, and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA or any government agency.
Google rating and review count shown as of September 2, 2026; ratings change over time.
Equal Housing Opportunity