Arizona's Most Affordable Responsible Individual for Residential and Commercial Mortgages.




Michael James Hansen

In order for a mortgage lender to offer residential and/or commercial mortgages in secure state of Arizona, they must first retain an Arizona Responsible Individual. Basically you must hire a licensed broker/attorney who is domiciled in the state of Arizona or become a licensed broker and live full time in Arizona.


The mortgage lender must continue to employ a Responsible Individual during the time it maintains the mortgage license.  The Responsible Individual acts as the mortgage company’s representative with the Arizona Department of Financial Institutions (“AZDFI”), the Arizona mortgage regulator.


The Responsible Individual must be a person and not an entity.  The person must be a bona fide Arizona resident and have certain experience in the mortgage industry and an acceptable background and credit history.


Michael James Hansen has several five star reviews on many websites and has never received a single complaint in the 9 years he has been a licensed mortgage lender.