Meet Bethany Sanchez, your Scottsdale loan officer

Bethany Sanchez is a mortgage loan officer with Sunset Home Lending, powered by Federal First Lending LLC, in Scottsdale, Arizona. Her NMLS ID is 2425491, and Federal First Lending LLC‘s NMLS ID is 2381991. She has been helping clients navigate their mortgage needs since 2022, specializing in identifying the right loan programs and building financing strategies tailored to each client’s goals.

Bethany‘s approach in one sentence: Every borrower deserves a personalized plan, not a one-size-fits-all loan, and clear enough information to make the decision with confidence.

Bethany’s story

Bethany believes the right mortgage starts with understanding the person, not the paperwork. She takes pride in helping clients make informed decisions that support both their immediate needs, such as a payment that fits this year’s budget, and their long-term financial goals, like building equity, paying a home off sooner or keeping cash available for what comes next.

Originally from Southern California, Bethany now works with clients across the Phoenix area. Outside of work she stays active through running, tennis and pickleball, and she loves trying new activities. Faith, family and friends are at the center of her life, and she enjoys exploring new crafts and skills. Building genuine relationships matters to her, and she brings the same commitment, care and attention to detail to every client she serves.

Her goal is simple: to make the mortgage process as smooth and transparent as possible, with personalized guidance and clear communication, so every client feels informed, supported and confident from application to closing.

Why she works as a wholesale mortgage broker

Sunset Home Lending is powered by Federal First Lending LLC, a wholesale mortgage broker. Instead of offering one bank’s programs, Bethany can compare options from more than 200 wholesale lenders. Each lender has its own pricing and its own guidelines, and they change constantly. That means she is not pinned into a corner with a single rate sheet: if one lender cannot do your loan, or cannot do it at a competitive price, another may.

For you, that translates into:

• More options to compare. Conventional, FHA, VA, USDA, jumbo, HELOCs and home equity loans, reverse mortgages, bridge loans, first-time buyer and down payment assistance programs, programs for first responders, and investor loans such as DSCR and fix and flip.
• A second opinion built in. Because her job is to match your scenario to the right lender, she can also review an offer you already have. Try Compare my offer to send her a Loan Estimate for a free second look.
• Honest advice. If waiting a few months would make your numbers stronger, or if your current loan is already a great deal, she will tell you.

How Bethany works

A mortgage should not feel like a mystery. Bethany works from a handful of principles:

1. Listen first. She asks about your goals, timeline, income, savings and concerns before recommending anything.
2. Explain the trade-offs. You will understand why one option fits better than another, including the downsides of the option she likes best.
3. Be transparent about costs. She explains every line of your Loan Estimate and Closing Disclosure and answers questions until you are comfortable.
4. Communicate quickly and clearly. She aims to reply the same business day, and she tells you what to expect at every stage.
5. Stay with you to the end. She coordinates with your agent, the appraiser, title and escrow and the lender’s underwriting team until your loan funds.
6. Protect your privacy. She asks only for what is needed, and sensitive documents go through the secure application portal, never email.

Who she helps

• First-time homebuyers who want patient, plain-English guidance. Start with the first-time homebuyer guide.
• Move-up buyers who want to buy before they sell. See bridge loans.
• First responders, teachers and healthcare workers exploring hero home loan programs.
• Veterans and service members considering VA loans.
• Homeowners who want to use their home equity wisely, or retirees exploring a reverse mortgage.
• Real estate investors financing rentals and renovation projects. See the investor hub.
• Real estate agents who want a responsive lending partner for their clients. See For Agents.

What working with Bethany looks like

1. A conversation. Call, text or send a request. You can also book a 30-minute call at a time that suits you.
2. A secure application. The initial review uses a soft credit check that does not affect your credit scores.
3. A plan. She reviews your documents, compares lenders and walks you through the options that fit.
4. Pre-approval. With a complete file, pre-approvals are typically ready within 24 hours, often the same day.
5. Support through closing. You and your agent stay informed, and she is available when questions or surprises come up.
6. Afterward. She stays in touch about refinancing, equity and future moves, only when it is genuinely useful.

Credentials and licensing

You deserve to know exactly who you are working with, and you can verify it yourself.

• Loan officer: Bethany Sanchez, NMLS #2425491
• Company: Sunset Home Lending, a trade name of Federal First Lending LLC, NMLS #2381991, a wholesale mortgage broker
• Licensed in: Alabama, Arizona, California, Colorado, Florida, Michigan, Tennessee, Texas, and Washington
• Verification: Search the NMLS numbers above on NMLS Consumer Access, the public database of licensed mortgage professionals.

The disclosures page lists every state license number and the notices certain states require.

How loan officers are paid

Mortgage compensation can seem opaque, so here is the basic picture. Bethany is paid when your loan closes, through compensation paid by the lender. Federal loan originator compensation rules generally prohibit basing a loan officer’s pay on the interest rate or most other loan terms, which keeps the focus on what is right for you. All fees you will pay appear on the Loan Estimate and the Closing Disclosure.

How the content on this site is written

Every guide on this site is written or reviewed by a licensed loan officer and follows a few standards:

• Plain language. Terms are explained and jargon is kept to a minimum.
• Dates and updates. Each page shows when it was last updated, because loan programs change.
• No rate promises. The site does not advertise mortgage rates or promise approvals, timelines or savings. The HELOC quick quote shows clearly labeled estimates only.
• Education, not advice. Guides are general information, not legal, tax or financial advice.
• Sources. Where possible, pages link to the Consumer Financial Protection Bureau, HUD, the Department of Veterans Affairs and the USDA.

If you spot an error or an out-of-date detail, please let Bethany know. She would rather fix it than leave it.

Let’s talk

Bethany is glad to answer questions with no obligation. Get pre-approved, call or text (760) 713-3814, or email [email protected]. She serves Phoenix, Scottsdale, Gilbert, Mesa, Chandler, Tempe, Paradise Valley, and Maricopa County, and clients anywhere in Alabama, Arizona, California, Colorado, Florida, Michigan, Tennessee, Texas, and Washington.