Scottsdale Arizona

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.

Experience

More than 40 years originating loans and building mortgage companies.

Jim Lyddon Founder and Senior Loan Officer

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.

  1. Income

    What is your annual gross income?

  2. Down Payment

    How much can you put down?

  3. Current Debts

    What are your monthly payments?

  4. Contact Info

    How can we reach you?

Income

Tell us about your annual gross income (before taxes).

Southwest Reach

Arizona-based. Built for the Southwest.

We offer a wide variety of loans across each state.

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.

First time homebuyer signing papers with JHL loan officer.
  1. 1

    Get Started

    Start the application so we can review the actual borrower scenario.

  2. 2

    Review the File

    We look at income, credit, assets, debts, documentation, timeline, and property details.

  3. 3

    Structure the Loan

    We help compare loan type, payment, cash to close, rate options, and long-term fit.

  4. 4

    Coordinate the Details

    Borrower, agent, escrow, underwriting, appraisal, and deadlines all need clear communication.

  5. 5

    Move Toward Closing

    The cleaner the file is upfront, the calmer the process tends to be at the finish line.

Jim and Luke Lyddon, the father-son team behind JHL Mortgage

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.

1 of 11

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 Lyddon Founder and Senior Loan OfficerJim Lyddon40+ · $8B+ · 3,000+

Ready to apply?

Start your application and JHL will help review your numbers, loan options, timeline, and next steps.