Advisor's desk with a small house model and paperwork in warm lightMichael McDermott, Mortgage Loan Originator, Phoenix, Arizona

The McDermott Team

Michael McDermott

Mortgage Loan Originator | NMLS#:184065

NEXA Lending

NEXA Lending LLCNMLS#1660690 | AZ BANKER license: BK-2006218

One application. One credit pull. 300+ lenders.

I take one application and one credit report to those lenders. We pick from the strongest options together — not whatever one shop happens to have. I’ll walk you through the program and the guidelines.

Client testimonials

Licensed in Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas.

(602) 694-5279 · mmcdermott@nexalending.com · Facebook · Google Business Profile

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How it works

  1. 1

    Talk or apply

    Start with a call, Calendly, or a short application. You don’t have to research alone.

  2. 2

    We walk the guidelines

    One application. One credit pull. I take that to 300+ lenders through my broker channel and walk you through what actually applies to your situation.

  3. 3

    We pick a path

    Conventional, FHA, VA, HELOC, DSCR, specialty — we choose together, not whatever one shop happens to have.

  4. 4

    Close with a clear plan

    Docs come after we know the path. I’ll keep you posted so you’re never guessing.

Licensed in Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas.

Reviews

What clients have said after we closed.

Selected reviews · See all 949 on Experience.com

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5 out of 5 stars

“Michael and his Team did an awesome job walking us through a challenging home purchase from a Family Trust. It was the second time in 10 years he helped us close a deal. Every time we thought the deal might not get done on time, his Team met every challenge and we closed sooner than we expected. All documents were reviewed online, and the closing was a video conference call with a notary. Nice high tech approach to closing a friendly deal with the Trustee and family members. Two thumbs up from me and my wife!”

— Brian D

5 out of 5 stars

“Michael and the McDermott team did an excellent job! Especially for my situation of first time home buyer 👍 I'm truly grateful 🙏”

— Mario Martinez III

5 out of 5 stars

“This team moved fast and basically told us what to expect step by step, I would recommend them if you are looking to refinance or buy a home.”

— Sharon C.

5 out of 5 stars

“What a great team to work with! Made everything easy and even was able to work around our work schedule to get a notary to our house. Very responsive and knowledgeable with all the questions we had. My wife and I were so impressed we recommended them to her parents who wanted to refinance. They also had a great experience. Thank you Mike and your team.”

— Ed N.

5 out of 5 stars

“Very professional kept you informed about everything going on and what is next Set you up with great team members who are very knowledgeable and passionate about you and what is going on I would recommend Michael and his team to anyone who is interested in buying or refinancing”

— Andrea B

5 out of 5 stars

“Michael was very helpful and informative from the first time we contacted him! He helped guide us through the process of buying a home with great communication and support. I would definitely recommend his services to anyone!”

— Cecily B

5 out of 5 stars

“When looking to see if we could buy a house, Mike helped us realize we could, with a very easy prequalification process. When it came time to actually purchase a house, Mike and his team were able to get us keys in hand, with a VA loan, with no money out-of-pocket. Thank you Mike! I highly recommend Mike and his team.”

— Mike P

5 out of 5 stars

“Michael is exceptional. He made our transactions effortless and he answered my hundreds of questions promptly and so respectfully. I highly recommend him and will definitely be using him again. In fact we did use him for another loan type that we needed after he helped us secure a new home loan!”

— Jaime B

5 out of 5 stars

“Michael and his team are possibly the greatest team ever assembled for all your mortgage needs! They are the '96 Bulls of the mortgage industry. They made the process seamless and stress-free, leaving us to plan the logistics of moving across town with 6 little kids. We barely had to think about the financial side at all, because we had MJ and Pippen taking care of it for us! Truly, we would never even consider using anyone else!”

— Tayler K

5 out of 5 stars

“Dawn and I would like to thank Michael and his team for all of their hard work to make the purchase of our new home a success. The process was swift and we were on top of what was taking place at every turn. Thank you from the bottom of our hearts. You are the best!!”

— Jeff D

5 out of 5 stars

“Working with Mr. McDermott made me feel incredibly lucky to have him as my Mortgage Loan Originator. He made the transition flow easily and walked me through every step till the end. I would recommend Mr McDermott to anyone with full confidence that he will get the job done in a very efficient manner.”

— Mildred M

5 out of 5 stars

“It was a pleasure working with Michael and his team to secure a home loan. He was knowledgeable and transparent from the start. While diligently working away, he proactively kept us informed of progress through every step. If you’re looking for a lender, give him a call and decide for yourself.”

— Bryan T

5 out of 5 stars

“The only team I rely on for my home purchases is Mike McDermott, and team! They have never failed me. My financing experience is always smooth, professional, patient with all my questions, and there’s never any last minute surprises! Whenever I purchase a home, this is the only team that I trust 100%! I constantly refer my friends, family and colleagues to call Mike McDermott for any of their home financing needs!!”

— Raquel H

5 out of 5 stars

“Michael and his team were very supportive, knowledgeable, and great with communication!”

— Kathleen P

5 out of 5 stars

“Excellent! From beginning to end Michael got my client the best deal! Financing went very smoothly and so easy to get responses to my emails and messages I send to Michael, thank you!”

— Billy S

5 out of 5 stars

“Michael McDermott is an exceptional agent. Before working with him on our VA loan, we had spoken with a few other lenders and quickly realized they lacked both the knowledge and urgency we were looking for. From the moment we connected with Michael, the experience was completely different. He was professional, highly knowledgeable, responsive, and genuinely committed to helping us every step of the way throughout the process. If you’re looking for someone who truly understands the lending process and provides outstanding service, Michael is absolutely the agent you want on your side.”

— Syndee M

5 out of 5 stars

“This was my second time using Michael and his team for our mortgage! For the second time in a row, his team was extremely responsive. To me this is the most important quality going through the closing process. Being able to contact him to make changes or answer my questions while not delaying the closing date is the reason we would use him again!”

— Matthew W

5 out of 5 stars

“It's rare that another bald man does as good a job as me...but here I am writing this review for Michael. He did fantastic work on a couple refinances for me and my wife that were start to finish about 12 days each. Probably would have been faster if the appraisers schedule was better. Cannot say enough good things about him and his ability to find the right loan product that works for you. Highly recommend and will use again.”

— Matthew P

5 out of 5 stars

“From the moment Michael McDermott and his team became involved with my home purchase needs, they were professional, compassionate, and exceptionally supportive of my somewhat “needy” questions. Mike even supported me by guiding me towards answers and professionals to assist in areas in which he was not directly involved. I would refer Michael to others for financial needs.”

— Kathleen P

5 out of 5 stars

“Michael and his team are great, they made the process easy and are well communicated and extremely organized, they stayed on top of everything, helped me out explaining everything with great details and guided me to the best options, I will work with his team again if needed, 100% recommend”

— Jaime L

Phoenix, AZ

5 out of 5 stars

“Michael was great to work with. I would definately refer him to all my family and friends for their home financing needs.”

— Mary M

Peoria, AZ

5 out of 5 stars

“His great communication skills made the whole process painless”

— Debra S

Sun City, AZ

5 out of 5 stars

“Mike is and has been the best lender to work with.”

— Jake W

Peoria, AZ

About Me

I began helping homeowners in July 2002.

I approach this as education. Every buyer, homeowner, and investor is different. Different goals, different circumstances, different loan. It’s my job to find the mortgage that fits.

As a broker I have access to more than 300 lenders. They don’t all look at a situation the same way, and that’s the point. I find the lender willing to earn your business, then I walk you through the program and the guidelines.

Licensed / services these states: Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, Texas.

Memberships

  • National Association of Mortgage Brokers (NAMB)
  • Arizona Mortgage Lenders Association
  • Certified Mortgage Planning Specialist (CMPS)
  • Private Pilot (FAA Certified)

Achievements

  • Certified Mortgage Planning Specialist (CMPS)
  • Top 1% Mortgage Loan Originator recognition, Decade+

Hobbies

When I’m not helping a client, I’m outside hiking or fishing, flying, in the gym, reading, or on a road trip when I can get one.

Common questions

Straight answers. I’ll still walk your situation with you — guidelines vary by lender.

Who is Michael McDermott?

I’m a mortgage loan originator (NMLS 184065) with The McDermott Team at NEXA Lending, based in the Phoenix metro. I’ve been helping homeowners since July 2002. I work as a broker: one application, one credit pull, access to 300+ lenders — and I walk you through the program and the guidelines that apply to your situation.

What does “#1 on Experience.com in Arizona” mean?

As of 2026-09-03 I’m ranked #1 on Experience.com in Arizona with Search Rank Score 764 and 4.92 from 949 reviews. Read the profile.

Broker vs bank — how does one application / 300+ lenders work?

A bank mostly offers its own menu. As a broker I take one application and one credit report to 300+ lenders in my channel. They don’t all look at a situation the same way. We pick from the stronger fits together — not whatever one shop happens to have.

Which states are you licensed in?

Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas. If you’re outside those states, I can’t originate for you there.

How do I apply? What’s different about HELOC?

Most purchase and refinance programs: use Apply Now (Bevri). Prefer to talk first: Talk to Michael (Calendly). HELOC applications use Axen — often a fast path — from the HELOC page. Reverse and specialty cases are still a conversation when you want eyes on the path first.

Do you only do “easy” conventional loans?

No. Conventional, FHA, VA, jumbo, HELOC, DSCR, renovation, construction, bank statement, reverse, and a long specialty list (non-warrantable condo, ITIN, foreign national, physician, 40-year, interest-only, and more). Not all situations qualify — I’ll tell you honestly.

Will you pressure me on rate?

I won’t print a stale rate or promise “best/lowest rates.” I’ll walk you through options and tradeoffs for your situation. Talk or Apply when you’re ready.

Awards

  • Top 1% Mortgage Loan Originator – USA, Scotsman Guide, Decade+

    Top 1% Mortgage Loan Originator – USA, Scotsman Guide, Decade+

  • Top 1% Mortgage Originators in America, Mortgage Executive Magazine, Decade+

    Top 1% Mortgage Originators in America, Mortgage Executive Magazine, Decade+

  • Young Gun Award Recipient, Mortgage Professional America (MPA), 2014/2015

    Young Gun Award Recipient, Mortgage Professional America (MPA), 2014/2015

Contact

Branch office

3200 E Camelback Rd #130
Phoenix, AZ 85018

Google Business Profile

Corporate office

5559 S Sossaman Rd, Bldg 1 Ste 101
Mesa, AZ 85212

Hours

  • Monday–Thursday 8:00 AM–7:00 PM
  • Friday 8:00 AM–6:00 PM
  • Saturday 9:00 AM–5:00 PM
  • Sunday 11:00 AM–5:00 PM

Areas we serve

We help buyers and homeowners across the Valley buy, refinance, and put their equity to work, in Phoenix, Glendale, Peoria, Surprise, Sun City, Goodyear, Avondale, Scottsdale, and throughout Maricopa County. Buying or refinancing somewhere else in Arizona? We can help there too.