Business Details
Trusted Mortgage Broker in Scottsdale, AZ
Wain Capital is a licensed mortgage brokerage firm dedicated to helping clients access competitive home loan solutions across Arizona, California, Colorado, Texas, Florida, and Oregon. With over 20 lender partnerships, we specialize in conventional mortgages, VA loans, FHA loans, jumbo loans, and refinancing options tailored to first-time buyers, investors, and homeowners. Our Scottsdale-based team prioritizes transparent pricing, eliminating processing and underwriting fees while delivering personalized guidance through every stage of the mortgage process.Backed by 5-star client reviews, we combine market expertise with real-time bond monitoring to help clients secure optimal rates. Our fee structure emphasizes cost savings for clients, and our 20+ years of combined industry experience ensures strategic mortgage planning aligned with long-term financial goals.
Services
Conventional Mortgages
VA Home Loans
FHA Loans
Jumbo Home Loans
Cash-Out Refinance
First-Time Buyer Programs
Investor Financing
Construction Loans
Reverse Mortgages
Bank Statement Loans
Highlights and features
- We offer 20+ lender partnerships for competitive rate comparisons
- Our team provides zero processing and underwriting fees
- We specialize in complex loan scenarios including jumbo and investor financing
- Our Scottsdale-based experts deliver personalized mortgage guidance
- We maintain 5-star client reviews for transparent loan closings
Associations and certifications
- Arizona Mortgage Lending License 0951257
- California Residential Mortgage Lending Act License 1825506
- Oregon Mortgage Lending License 1825506
- NMLS# 1825506
What people say
Stress-free closings
Expert loan guidance
Competitive rate comparisons
Transparent fee structure
Personalized mortgage planning
Services
Conventional Mortgages
Wain Capital offers conventional mortgage solutions for primary residences, second homes, and investment properties. Our program provides competitive rates with flexible down payment options starting at 3%. We specialize in helping clients avoid private mortgage insurance through strategic loan structuring while maintaining compliance with Fannie Mae and Freddie Mac standards.
VA Home Loans
We provide zero-down payment VA loan options for eligible military personnel and veterans. Our dedicated team assists with certificate of eligibility verification, residual income calculations, and VA appraisal requirements. We help clients maximize their reusable VA loan benefits while navigating funding fee exemptions for qualified applicants.
Cash-Out Refinance
Our cash-out refinance program allows homeowners to access home equity for debt consolidation, renovations, or investment opportunities. We offer competitive loan-to-value ratios up to 80% with streamlined documentation requirements. Clients benefit from our no-closing-cost options and break-even analysis to determine financial viability.
First-Time Buyer Programs
We specialize in FHA loan programs and down payment assistance options for first-time homebuyers. Our experts guide clients through HUD-approved counseling requirements, gift letter documentation, and minimum property standards. We provide tailored pre-approval letters and market analysis to strengthen purchase offers.
Jumbo Home Loans
Our jumbo loan program caters to luxury property purchases exceeding conforming loan limits. We offer competitive pricing with down payment options starting at 10% and flexible debt-to-income ratio considerations. Our team works with premier lenders to provide tailored solutions for high-net-worth borrowers and unique property types.
People
Zachary Wain
Residential Mortgage Loan Originator
Zachary Wain, licensed under NMLS# 207079, brings over 15 years of mortgage industry experience to Wain Capital. He specializes in complex loan scenarios, including investor portfolios and high-balance mortgages. His expertise in market trend analysis helps clients optimize rate lock timing.
Sharon Olson
Loan Officer
Sharon Olson combines technical mortgage knowledge with personalized service, focusing on first-time homebuyer programs and VA loans. With 12 years in the industry, she excels at simplifying complex mortgage terms for clients while maintaining strict compliance standards.
Ashley Wain
Mortgage Consultant
Ashley Wain specializes in refinancing strategies and cash-out transactions. Her background in financial planning enables comprehensive mortgage solutions that align with clients' long-term wealth goals. She holds multiple state-specific mortgage licenses across operating states.
Jonas Helstab
Loan Processing Manager
Jonas Helstab oversees Wain Capital's streamlined loan processing system. With expertise in TRID regulations and underwriting guidelines, he ensures efficient document collection and submission processes that contribute to the company's 30-day average closing timeline.
Questions
What mortgage loan types do you offer?
We provide conventional, VA, FHA, jumbo, USDA, cash-out refinance, reverse mortgage, construction, and investor financing options.
Do you charge processing fees?
No, we eliminate all processing, underwriting, and application fees through our wholesale lender network.
How do you determine mortgage rates?
Our rates are based on real-time bond market data, 10-Year Treasury yields, and Federal Reserve policy analysis.
Can I get pre-approved online?
Yes, our digital pre-approval process provides instant rate estimates with no credit score impact.
What states do you service?
We operate in Arizona, California, Colorado, Texas, Florida, and Oregon with local market expertise.
How quickly can you close a loan?
Our average closing timeline is 21-30 days, with expedited options available through select lenders.
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