Your Partner In Affordable Mortgages

At Copper State Home Loans, we take pride in being your

trusted mortgage partner.

Our Partners :

Purchase

30-Year Fixed

Customize this rate

Purchase

15-Year Fixed

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Purchase

30-Year Fixed FHA

Customize this rate

Refinance

30-Year Fixed VA

Customize this rate
0 +
Years Experience
At Copper State Home Loans, we take pride in being your trusted mortgage partner.

ABOUT COPPER STATE

Copper State Home Loans: Your Partner in Affordable Mortgages

At Copper State Home Loans, we take pride in being your trusted mortgage partner.

Our mission is to connect potential buyers with personalized service, ensuring more affordable property purchases with optimal financing options.

Founded by John Doyle, a mortgage industry veteran with over 25 years of experience, we are committed to excellence and customer satisfaction.

Our Values

Transparency and Honesty:

We believe in open and honest communication with our clients. No hidden surprises or fine print. We’ll guide you through the entire loan process with complete transparency.

Efficiency and Agility:

At Copper State Home Loans, we don’t waste time. Our team is highly trained to streamline processes and ensure you get your loan quickly and hassle-free.

Personalized Approach:

You’re not just a number to us. We value long-term relationships and strive to understand your individual needs. Your success is our success.

Turn a "not yet" into a resounding "yes" on your mortgage application

Is homeownership on you're horizon, but you're not quite ready yet?

Dream of owning a home but unsure where to start?

Make smart financial decisions and maximize the value of your new home investment.

Search for and save properties, then determine their affordability

Our Services

Home Equity Loans and Lines of credit

Jumbo Loans

Investor and Non-QM Loans(Alternative Income Documentation and Eligibility)

Renovation Loans

Conforming Purchase and Refinance Loans

First Time Homebuyer Purchase Loans

Why Use a Mortgage Broker?

Using a mortgage broker or a retail lender both have their benefits, and the choice often depends on
individual preferences and financial circumstances. Here are some benefits of using a mortgage broker
compared to a retail lender:

Benefits of Using a Mortgage Broker:

1. Access to Multiple Lenders: Mortgage brokers work with a network of lenders, including banks, credit
unions, and wholesale lenders. This gives borrowers access to a wider range of loan products and
interest rates compared to what may be available through a single retail lender.


2. Personalized Service: Mortgage brokers act as intermediaries between borrowers and lenders,
providing personalized guidance and assistance throughout the mortgage process. They can help
borrowers navigate complex financial situations and find the loan that best fits their needs.


3. Shopping Around on Behalf of the Borrower: Mortgage brokers shop around on behalf of the
borrower to find the most competitive rates and terms available. They can compare offers from multiple
lenders to help borrowers secure the best possible deal.


4. Expertise and Advice: Mortgage brokers are knowledgeable about various loan programs and can
provide expert advice tailored to the borrower’s specific financial situation and goals. They can explain
the pros and cons of different loan options and help borrowers make informed decisions.

5. Convenience: Working with a mortgage broker can save borrowers time and effort by handling much
of the paperwork and communication with lenders on their behalf. This can streamline the mortgage
process and reduce stress for borrowers.

6. Negotiation: Mortgage brokers have the negotiating skills and industry connections to potentially
secure better terms and rates for borrowers. They can advocate on behalf of the borrower to get the
most favorable loan terms possible.


7. No Upfront Fees: In many cases, mortgage brokers do not charge upfront fees to borrowers. Instead, they are compensated by the lender through a commission or fee paid at closing, making their services cost-effective for  borrowers.


In summary, using a mortgage broker can offer borrowers access to a wider range of loan options, personalized service, expert advice, and potentially better terms and rates compared to working with a single retail lender.

However, it’s essential for borrowers to carefully research and compare their options before choosing a mortgage broker to ensure they find a reputable and trustworthy professional.

Paul Chapman
Paul Chapman
2024-12-27
John was great to work with throughout the entire refi process and kept in constant communication with us. I would highly recommend him to friends or family next time they are looking to refi or purchase.
Raymond Morace
Raymond Morace
2024-12-27
Working with John Doyle at Copper State Home Loans was an absolute pleasure! The entire loan process was the smoothest and easiest we’ve ever experienced. John provided exceptional personal service, explaining every step clearly and keeping us updated throughout. We currently have six investment properties, so we've been through quite a few closings—and this was by far the easiest and most seamless process we’ve had. John’s professionalism, responsiveness, and attention to detail truly set him apart. If you're looking for someone who will get you a great deal and will make the loan process stress-free and efficient, we highly recommend John Doyle. Thank you, John, for your outstanding service!
Supan Shah
Supan Shah
2024-11-12
I recently refinanced and chose Copper State Home Loans. John Doyle offered an outstanding service! He was extremely easy to work with, offered unbeatable rates, and kept me in the loop every step of the way. It was an effortless process and the tech-enabled platform makes communication/uploading docs a breeze. Highly recommended!
Charles Reece
Charles Reece
2024-09-29
John Doyle is a great mortgage broker! Fast, accurate, reliable, friendly, great low interest rates! What else can I say? I would definitely finance with Mr. Doyle at Copperstate Home Loans again.
Julio A
Julio A
2024-07-07
We recently refinanced our home with Copper State Home Loans. John Doyle was super easy to work with, and very helpful through out the process. He was very knowledgeable, and easy to reach out to for any questions we had. We are very happy with his service. We highly recommend him to anyone looking to buy or refinance. Thank you, John!
Laurie Gaudreault
Laurie Gaudreault
2023-07-21
John was so easy to work with. He held mine and my husbands hand all the way through this refinance process. John was the first person we talked to the end. He kept us informed and explained things so clearly. John also worked so hard on our file and made everything go so smoothly. I would definitely go back to John with any of my mortgage needs. He was by far the best rate we could find I will be referring any one of my family and friends to use John. Thank You John for all your hard work!!!!
Karen Marvel
Karen Marvel
2023-04-29
They are the best-- always answers promptly, update are timely--would use them again, no question
Marcus Ament
Marcus Ament
2023-03-14
I highly recommend John Doyle to do your loan! John is an absolute pleasure to work with and he really knows what he's doing. He's got a ton of experience in the mortgage business and made it really easy for me thru out the process. True professional!
Deniz Rasol
Deniz Rasol
2023-01-12
I would like to thank John, his very helpful and has experience with home loans , it's very grateful to work with him , I'm glad to meet him thank you so much John🙏