Do you wake up excited to talk about Mortgages?

Welcome to Proactive Home Loans, we understand most people don't wake up in the morning excited to talk about mortgage interest rates, terms, guidelines, and processes. We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch and as stress-free as possible. As a Mortgage Brokerage we will strive to better understand your goals and compare multiple mortgage lenders against each other to see who can offer you the best terms for your financing needs!
We disclose your options, you decide which option works best for you!

Get to know us

Located in the beautiful desert of Phoenix Arizona, we thrive on the success and satisfaction of our clients. Dont take our word for it though, read through our reviews and see what you're looking forward to the most about working with a dedicated mortgage broker in your corner!

Calculators

Mortgages are like Y = Mx + B right? Wrong. Make your life easier with simple tools to help calculate your mortgage, interest rates, and more. Please keep in mind these are conservative numbers and not indicative to every clients loan or mortgage scenario. Contact your mortgage broker at Proactive Home Loans to verify terms, rates and payments.

Loan Programs

Mortgages are not a one size fits all kind of thing and we get that. There are so many different loan programs out there to match each client with their perfect home loan to ensure the best payment, rate and terms.

FHA, Conventional, VA, USDA, HELOCs, HELOANs, Bank Statement Loans, DSCR loans, non-qualified mortgage solutions, and the list goes on! We even have a lender with a no income loan!

Talk with your Proactive Home Loan mortgage broker today to explore your options and see which program works best for your finances.

Our ServicesFind Loan Products We Offer

Purchase

Whether you're buying your first home, your dream home, a vacation home, an investment property, an airbnb, etc we have a mortgage solution for you. Get your custom rate quote today.

Get Pre qualified in just a few minutes!

Refinance

As mortgage brokers we're committed to helping you refinance with the lowest rates and fees in the industry today. We will compare multiple lenders for your home loan goals and disclose all of your options so you have confidence in your new loan program and how it benefits your financials.

Learn More

Apply Now

Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted by our team once your application is submitted to verify some key information and review your options. Submit your Application

First time home buyer loans and Refinance in the Arizona, Colorado and Wisconsin

Welcome to the official site of Proactive Home Loans. We are a full service mortgage brokerage based in Tempe, AZ. We specialize in First time home buyer loan programs and home loan refinances based in Tempe, AZ. We serve the beautiful state of Arizona in any county. Whether you are buying your first, second or eighth home or refinancing a property that you currently own we can help you accomplish your goals of home ownership or save you money when refinancing and getting you a new lower rate/monthly payment.

In terms of Purchase Loan programs, we are a mortgage brokerage which means that we dont work for just one company. We work for YOU to go find you the best home loan lender that can offer you the best terms on your financing options. Some of the more popular loan programs include the following:

Refinancing? We can help you with that, too!

We offer a wide range of refinance options designed to best meet the needs of our clients. If you're looking for cash out or to just get a better rate and term, we can assist you.

What makes Proactive Home Loans unique is that we have so many home loan products that we'd rather not bore you with the techincalities. At the end of the day your situation will be different than other clients so it's best to have a quick call with our team to identify which mortgage solution works best for you and your goals!

Contact Proactive Home Loans today to discuss your mortgage loan options and find out which loan program will best suit your needs.

WHAT PEOPLE SAYSome of our Awesome Testimonials

John was exceptional to work with. Knowledgeable, understanding, on top of things, courteous and upfront about all things. He made the process hassle free! I would highly recommend working with him and I will do so again!

Anna

Buckeye, AZ

It took me over a year to find the perfect home and I had alot of financial questions along the way. John took the time to answer any questions I had and to go over multiple financial options for me over that time span without any hesitation. I highly recommend John to anybody I know looking to purchase a home.

Fred

Coolidge, AZ

I recently purchased my first home, I came in contact with John Bradley which was the best thing that could have happened to me and my wife. As you can imagine I had a ton of questions about every aspect of the process to purchase a home, John made this process amazing and stress free. The amount of patience and professionalism that John displayed was greatly appreciated. I can honestly say after the closing date I feel well informed about the entire process of purchasing a home! That being said I am a lifelong client of John’s and will go to him for all my future ventures!!

Peoria, AZ

The lender a buyer chooses has the potential to make or break a deal or experience for everyone. From my time working with you, you have been very responsive and communicative with both the buyer and myself, you clearly understand the entire real estate transaction process, and you anticipate needs before we even get to them to help the deal run smoothly and on time. Those are qualities I look for when referring clients. I have worked with many lenders and you are one of the best!

Lindsay Tago

Phoenix, AZ

I couldn’t have asked for a better Mortgage broker to help guide me through my first home buying experience. He communicated efficiently in a timely manner, and went above and beyond to help me get my personal documents in order.

Andrew

Mesa, AZ

If you’re looking for someone with astounding communication skills, smart-witted and professional, then John is your guy. Very taken back by how easy John made this whole process. John is an absolute rockstar! I am looking forward to working with John again in the future!

Gavin

Gilbert, AZ

We’ve worked with KJ twice now.. He’s gone above and beyond both times.. He is always attentive, answers all our questions, makes sure we thoroughly understand every step, and is prompt throughout the process! Thank you KJ for all you’ve done for our family the last couple years!

Amanda Marrufo

Phoenix, AZ

John is your go-to guy for anything related to home lending, mortgage rates and the home-buying process. He is full of knowledge, patience and a great listener who offers several options for his clients. As a mortgage broker, he will find you the best options out there. John is high energy and great to work with. I would consider John an excellent extremely trustworthy individual and can’t wait to do more business together.

Mariano Santana

Chandler, AZ

We received professional and helpful service on our second home purchase. Every question we had was answered in a timely manner. John Bradley was easy to talk to and made sure we understood everything that was presented to us. We will absolutely use John Bradley again in the future.

Karina

Tempe, AZ

John has been such an amazing mortgage broker to work with! He is such a great communicator and makes the transactions go so smooth and easy. As an agent it is so great to find someone who is knowledgeable, a great communicator and gets things done quickly and efficiently. He does such an awesome job.

Kelsey

Mesa, AZ

John Bradley did an awesome job in making my transition, from renting to buying a home go so smoothly and quickly.. and it was in the shortest month, of the year too... I would highly recommend him and I will be passing his name along. Two thumbs up to John and everyone who made this happen for me...Thanks again John..

Carole

Chandler, AZ

KJ helped me through the process for my first home purchase and did a fantastic job. He educated me about the various steps in the home buying process and provided guidance through the various borrowing options. Very professional and knowledgeable.

Cody Kuhne

Phoenix, AZ

John made my first home buying experience easy! His personable attitude made me feel like all his attention was on me. He is trustworthy, kind, and super helpful. John constantly communicated with me throughout the process to make sure that I knew what was happening. I highly recommend John and would definitely use him again in the future.

Miguel

San Tan Valley, AZ

If you’re looking for someone with exceptional communication skills, knowledgeable and professional, I definitely recommend John! My fiancé and I just bought our first property and I couldn’t have asked for anyone better to guide us through the whole process. Looking forward to working with him again in the future!

Isabel

Mesa, AZ

KJ is extremely knowledgeable on all lending products and strategies depending on your needs. He's a pleasure to work with - especially when discussing investment strategies.

Aaliyah Lowery

Phoenix, AZ

The best of the best!! As an agent it can be tough to find the right lender. John is not only exceptional to work with but has the best interests of our clients. He works due diligently with supreme knowledge and skill and has the upmost professional manner. He is an exquisite lender and all around genuine human being. He is honest and trustworthy and available whenever needed. I cant say enough great things about him. I am absolutely delighted and thankful to work with him and without a doubt take care of my clients.

Dani

Gilbert, AZ

I would recommend any friend or family member to John Bradley for a home loan or mortgage. His strong communication style, his attention to detail and consummate professional manner is extremely impressive and an honor to be around. Any questions during troubling times where you need clarity regarding the home loan process… John Bradley is a rock solid source.

Stefan

Chandler, AZ

John is a wizard. Extremely knowledgeable and provided opportunities that competitors were unable to match. Highly recommend, especially veterans like myself. Cheers John ????

Dean

Mesa, AZ

I am a REALTOR and I recommended KJ to a client. After talking with KJ, my client decided to use him for their mortgage. The clients have told me they are very happy with the service they have received including a phenomenal loan rate. They have told me that KJ has personally met with them on multiple occasions helping to make the transaction very smooth. The loan already has a clear to close more than a week ahead of the close date. Thanks to KJ’s diligent and focused effort he has satisfied another client. Making both of us look good! KJ provides more than a loan service. He builds a long trusted relationship with the clients so they are comfortable and confident working with him again.

Gary Loesl

John was great. He was very communicative and very prompt with requesting emails and documents for the purchase of our first home. Also helped us obtain home insurance via a person he knew through statefarm after our own insurance provider wasn’t working out that ended up being more affordable and better coverage! Thanks for all your help John. Highly recommend.

Rudy

Chandler, AZ

Anna

Surprise, AZ

John is amazing. The entire process was super easy. He explains everything throughly and is always available if you need him. Thank you John for all of your assistance you made my goal to own a house attainable.

Chris

San Tan Valley, AZ

Finding someone to trust with your private financial information is tough! John not only truly understands privacy and respects it, but he is a walking encyclopedia of the lending world. I have worked with John on multiple transactions and he has made all of my clients feel respected, heard, and never took them down a path that was not beneficial for them. If you haven't found a mortgage broker yet, your search is over! John is definitely your guy!

Tiffany

Prescott, AZ

John is an amazing Mortgage Broker on every level. He truly cares about his customers and a person can tell he loves his job. I recently worked with him on a loan. He was very professional and kind and honestly I have never encountered a mortgage broker more on top of a file. He was very informative every step of the way and the transaction seemed effortless. John is truly a rare find in the loan industry and I would HIGHLY recommend him.

Tracy

Gilbert, AZ

John was a pleasure to work with. We had lots of questions and he was always happy to help. HE efficiently got our loan approved and funded in record time. Highly recommend!

Angela

Prescott Valley, AZ

John Bradley really helped my fiancé and I in buying a new home. I highly recommend him, very diligent in his work and a great pleasure to work with.

Sean

Gilbert, AZ

Although we decided not to buy in the current market, John provided so much information and acted as our knowledge base to help us Make the best decision for us. Would recommend John, and we will call him when we are in the market again.

Janet

Mesa, AZ

We worked with John on a refinance of our mortgage. It was the easiest mortgage process I have ever been through. John has great industry knowledge, communication skills, and follow-up. I highly recommend John for any mortgage need you might have. He goes above and beyond for his customers.

Richard

Gilbert, AZ

John found us a loan that saved us thousands of dollars! I highly recommend calling him first when looking for a home loan. Rockstar!!!

Jared

Prescott, AZ

John did a very good job at explaining exactly how everything works. This was so important to my husband and I as first time homebuyers as it can be a daunting experience. Thankfully, John made it the opposite. We were aware of everything going on, so by the time we got to signing the papers, we knew exactly what we were signing! So glad we chose to go with John! Thank you!!

Adreanna

Prescott, AZ

John is a true professional and made our cash out-refinance a exceptionally painless process. Quick to respond and always available. Answered every question I had and even went the extra mile and noticed my home insurance policy premium was on the higher side. He made a quick referral and saved me over $600 on my premium! Thanks John ????

Kyle

Prescott, AZ

Buying a home is super stressful so it’s reassuring to have a guy like John on your team! John answers his phone no matter what time of the day it is. He was able to make a deal happen that others couldn’t! My family is finally done paying rent thanks to John.

Angelica

Apache Junction, AZ

John Bradley helped me sell and buy my houses! He was so informative through the whole process and so professional to work with! I could call or text at any time and he always answered my questions fully! I’ll definitely use him again in the future and 10/10 recommend!

Codi

Peoria, AZ

John Bradley was there to help me during my refinance. He was able to find a loan that made sense for me and my family. He is a great guy and a true mortgage expert with a wide array of products for any situation that you throw his way. Thank you John for all the help.

Izavier

Chandler, AZ

John has went above and beyond to help us get into our forever home, other lenders wouldn’t touch us and he was able to get us approved not only that he was able to get us to close sooner. Highly recommend him as he is diligent, fast to respond, listens to all concerns and addresses them. Will walk you through the process and what to expect, you won’t be disappointed you choose to work with him.

Lynzee

Maricopa, AZ

Johns the man. Ended up switching lenders. John was able to get us a better interest rate and save us money all around. John was quick to respond and help through out the process no matter the time of day. Thank you John, will be refering you to everyone!

Michael

Prescott Valley, AZ

Wow!! Is how I feel, I’d recommend Mr. Bradley to everyone. He’s truly genuine, kind, helpful and honest with doing everything he can to get you where you’re trying to be!!! Amazing broker, we need more people like you!

Ada

Prescott, AZ

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