
Arizona-based mortgage company serving the Southwest
Big-company mortgage experience. Family-level care.
We take a hands-on approach to home lending, helping you navigate your options and find the right mortgage for your situation.
JHL Mortgage Inc. | NMLS #2573609 | Jim Lyddon NMLS #14504 | Licensed in AZ, TX, CO, NM | Equal Housing Lender
40+
Years Experience
$8B+
Career Volume Overseen
3,000+
Loans Personally Originated
30,000+
Families Served
JHL Mortgage Inc. is an Arizona-based mortgage company serving borrowers across the Southwest. Company NMLS #2573609. Jim Lyddon NMLS #14504. Licensed in Arizona, Texas, Colorado, and New Mexico.
Mortgage Products
Loan options for straightforward and complicated situations.
We handle purchases and refinances, including loans for self-employed borrowers, investors, high-value properties, and borrowers with nontraditional income.
Purchase
Refinance
Specialty & Complex
Not sure which fits? Apply and Jim's team will help determine which option fits best for you.
Experience
More than 40 years originating loans and building mortgage companies.

Jim Lyddon
Founder & Senior Loan Officer · NMLS #14504
Jim Lyddon has worked in mortgage for more than 40 years. During that time, he has overseen more than $8 billion in funded volume and originated more than 3,000 loans himself.
At JHL, Jim remains involved in loan strategy, particularly when a borrower's income, property, or timeline requires a closer look. His experience includes self-employed borrowers, investors, jumbo loans, and other situations that may not fit a standard lending process.
40+
Years in mortgage
$8B+
Funded volume
3,000+
Loans originated
27
Hamilton locations built from one office
35
States Hamilton did business in
500
Employees at scale
That experience is the foundation of JHL: serious mortgage judgment, relationship-first service, and a process built to catch issues before they become closing-week problems.
Free Personalized Estimate
How much can I afford?
Share a few details and a JHL loan officer will follow up with a personalized estimate built around your numbers. There is no credit pull and no obligation.
Income
What is your annual gross income?
Down Payment
How much can you put down?
Current Debts
What are your monthly payments?
Contact Info
How can we reach you?
Southwest Reach
Arizona-based. Built for the Southwest.
We offer a wide variety of loans across each state.
Who We Help
Mortgage guidance for buyers, homeowners, investors, and self-employed borrowers.
Find the line that sounds like you. That's the conversation we're ready to have.

How we work
The best time to find the issue is before everyone is under pressure.
JHL's process is built around early review, clear communication, and practical loan guidance.

- 1
Get Started
Start the application so we can review the actual borrower scenario.
- 2
Review the File
We look at income, credit, assets, debts, documentation, timeline, and property details.
- 3
Structure the Loan
We help compare loan type, payment, cash to close, rate options, and long-term fit.
- 4
Coordinate the Details
Borrower, agent, escrow, underwriting, appraisal, and deadlines all need clear communication.
- 5
Move Toward Closing
The cleaner the file is upfront, the calmer the process tends to be at the finish line.

Leadership at JHL
Expert-led. Family-oriented.
How We Work
Big-company experience. Family-level care.
Most lenders make you pick one. With JHL you get both.
Big-company experience
- $8B+ in funded volume overseen
- Companies built, scaled, and sold
- Complex files handled with real judgment
Family-level care
- You talk to a real person on our team, not a call center.
- Straight answers, early, in plain language
- Your timeline and stress treated like ours
Expert-led and human on purpose.
Client & Partner Feedback
What borrowers and real estate partners say about JHL.
FAQ
A few things people usually ask before they apply.
JHL is licensed in Arizona, Texas, Colorado, and New Mexico.
JHL works with a range of mortgage options, including conventional, FHA, VA, jumbo, refinance, investor, DSCR, self-employed, bank statement, and alternative documentation scenarios when applicable.
No. Applying starts the review process so the team can understand your numbers, loan options, and next steps.
Before you are under pressure. Buyers should often apply before writing an offer, especially if income, property type, timeline, or loan structure may be more complex.
Yes. Self-employed borrowers often need a more careful income and documentation review, and earlier is usually better.
Yes. JHL works with borrowers and referral partners, including real estate agents who need clear communication and strong timeline management.
It depends on the borrower, property, loan type, documentation, appraisal, underwriting, and timeline. The goal is to move quickly without creating sloppy surprises.
Jim Lyddon40+ · $8B+ · 3,000+Ready to apply?
Start your application and JHL will help review your numbers, loan options, timeline, and next steps.






