We believe that it is vital to be able to provide you, our customer, access to the lowest rates in order to increase your buying power and improve your financial health.
We strive to deliver a fast and easy loan process through the combination of experience and technology. We work efficiently by giving proper loan advice upfront, responding quickly, and expediting our processing and underwriting.
We are committed to providing exceptional service to you, our customer. Our goal is to provide you the best home loan experience. That is why we always attempt to foresee potential obstacles in the loan approval process and deal with them before they become a potential challenge. It is our mission to keep at bay any possible stress, frustration and anxiety that compromises the joy of the home buying experience.
We make sure that we have access to a wide spectrum of cutting-edge mortgage products to make sure we can offer more options to our diverse customer base. Our portfolio of loan products include traditional products such as conventional, FHA, VA, USDA, jumbo loans, down payment assistance, non-QM, alternative income documentation and more.
Based in Arizona, the owners of Lender Express have spent the past two decades offering professional services to prospective and existing homeowners in order to help their customers experience the benefits of affordable homeownership.
With over two decades of experience as an award-winning mortgage professional, Steve Lines offers a wealth of industry expertise. Over the years, Steve has helped thousands of homeowners achieve the dream of homeownership.
Steve started his first job as a loan officer in 1996 and worked as a Spanish-speaking loan officer while obtaining his accounting degree from ASU. Upon graduation, he began working as an auditor for Ernst & Young, one of the “Big 4″ accounting firms until he left to continue originating loans. Since then, Steve was a producing manager for a small number of companies until starting Lender Express.
Steve was previously an instructor at the Arizona School of Real Estate where he taught Mortgage Loan Originator licensing classes, Mortgage Broker licensing classes and Real Estate Agent continued education classes.
Married with three daughters, Steve typically spends his free time attending his kids’ volleyball matches.
Motto: Problems are opportunities in work clothes.
James began his career as a local insurance agent for a small insurance company and quickly became the top insurance agent in the company. In 2005, he opened his first independent insurance agency that successfully grew to employ 15 independent insurance agents.
In 2010, James sold his insurance agency and merged his clients and agents with a local insurance agency in Scottsdale, AZ. At the new agency, he began to implement his proven sales and marketing systems and strategies to develop and grow both personal and commercial insurance within the agency. He has used both offline and online methods to achieve substantial growth with the agency.