A mortgage broker who shops the market for you
I'm Justin Lazzaro. I help buyers and homeowners across Arizona, Pennsylvania, Florida, and Texas compare loan programs so you can make a confident decision, not just take whatever one bank offers.
Justin Lazzaro, NMLS #1229453 | Reasy Financial, LLC, NMLS #2446155 | Licensed in Arizona, Pennsylvania, Florida, and Texas
Why work with an independent broker
As a mortgage broker, I'm not limited to one bank's programs. My job is to compare rates, costs, and guidelines across the lenders I work with, then bring you the option that actually fits your situation: a first home, a move up, or a refinance.
That comparison takes a bit more upfront conversation than walking into a single branch, but it means the recommendation is built around your numbers, not one lender's product list.
How we'll work together
1
We talk through your goals
A short conversation about your income, timeline, and what you're trying to accomplish: buying your first home, moving up, or lowering your current payment.
2
I build your options
I compare loan programs and pricing across the lenders I work with and put together the choices that actually fit your situation, then walk you through what each one means for you.
3
You choose, we move
Once you pick a direction, my team handles the paperwork and keeps you updated at every milestone through closing.
New to the process? Visit the Learning Center for guides on buying, refinancing, and everything in between.
Loan programs I offer
Every situation is different. Here are a few of the programs I work with most; the full list covers even more.
Conventional
A flexible option for buyers with steady credit and some down payment saved.
FHA
Lower credit and down payment minimums, popular with first-time buyers.
VA
A home loan benefit for eligible veterans, active-duty service members, and surviving spouses.
DSCR
A non-QM option for real estate investors. Qualifying is based on the property's rental income rather than your personal income.
Bank Statement
A non-QM option for self-employed borrowers. Income is documented with bank statement deposits instead of tax returns.
Asset Depletion
A non-QM option for borrowers with substantial savings or investments. Qualifying income is calculated from your assets rather than a paycheck.
Curious what your home is worth right now?
Get a quick estimate of your home's current value, a useful starting point before selling, refinancing, or tapping into your equity.
Already have a Loan Estimate?
Send it my way for a free second look. I will compare it against the wholesale lenders I work with and tell you where it stands, even if the offer you have is the better one.
What my clients say
Real reviews from clients I have worked with, pulled directly from Google. Some reviews are from real estate agents I work with. This section shows my 5-star reviews. You can read all of my reviews on Google.
Follow along
Market updates, client stories, and behind-the-scenes from the team.
Ready to talk it through?
Pick a time that works for you. We'll go over your goals and next steps, no pressure, just a conversation. Prefer to call or text instead? Reach me directly at (412) 638-4982, or book a quick Zoom if that's easier.
Get your personalized quote
Answer a few quick questions and I'll follow up with options built around your situation.
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Licensing
Justin Lazzaro, NMLS #1229453
Reasy Financial, LLC, Company NMLS #2446155
AZ Mortgage Banker License BK #2012302
FL Mortgage Lender License MBR6883
PA Mortgage Lender License 107748
TX Mortgage Company License 2446155
Licensed in Arizona (LO-2001846), Florida (LO71883), Pennsylvania (73668), and Texas
Contact
14100 N 83rd Ave, Suite B-230
Peoria, AZ 85381
