Jamie Kirkegaard

VP of Mortgage Lending
14811 N. Kierland Blvd, Ste 100, Scottsdale, AZ 85254
Contact Jamie
NMLS: 223763
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

This is my second experience with Jamie and he is my go-to for mortgage needs.

Elizabeth H. | June 2018

This was without a doubt to easiest mortgage transaction I have ever experienced. Jaime and the team could not have done anything to make it better. They asked for certain docs, I provided them and they did not come back asking for more. 19 days from application to signing is something that is unheard of in this industry. Jaime- Thank you for taking care of us and making this stress free. I will make sure I refer friends and family to you!!!

Jerry T. | June 2018

Jaime K. has been our banker for many years due to his attention to detail and business acumen, and we are more than pleased to now be part of his GR family.

David K. - May | 2018

This is our second home purchase with Jamie and team and they did a great job taking care of us! Thank you!

Craig M. | May 2018

Jamie and our team at Guaranteed Rate made buying our first home an easy process. Buying your first home can be overwhelming. However, Jamie was always very accessible and answered all of our (admittedly mostly ridiculous) questions. Jamie also provided clear instructions throughout the buying process and gave us updates every step of the way. We are so happy with our new house and because of the efforts of Jamie and the team at Guaranteed Rate the buying process was smooth, fast, and...

Theodore S. | April 2018

Jamie provided excellent service and kept us on track and current on all aspects of the loan process. It was the simplest process we have experienced.

Lisa S. | April 2018

Jamie and all the other employees we dealt with made the whole process very simple. We were very satisfied with the service.

Ron D.A. | April 2018

My husband and I used Guaranteed Rate for our first home purchase. Our realtor recommended Jamie and we are so glad he did! Jamie was there for us every step of the way and answered any questions or concerns we had promptly. The loan process was smooth and most importantly, quick! We will definitely tell our family and friends to use Guaranteed Rate for their first or next loan transaction.

Elizabeth T. || March 2018

My husband and I used Guaranteed Rate for our first home purchase. Our realtor recommended Jamie and we are so glad he did! Jamie was there for us every step of the way and answered any questions or concerns we had promptly. The loan process was smooth and most importantly, quick! We will definitely tell our family and friends to use Guaranteed Rate for their first or next loan transaction.

Elizabeth T. || March 2018

Jamie was awesome at explaining as we progressed through the process of getting a loan. He made me feel very comfortable asking questions and was very helpful along the way.

Tina K. | December 2017

Jamie Kirkegaard provided excellent service. He was always available for questions and explained everything fully. We really enjoyed working with him. Great professional experience!

Janet L. | 9/12/2017

Jamie K. is absolutely awesome! Experienced, thoughtful and patient. Seemed to really take the time to make sure we're getting a good rate and got the loan done with plenty of time before closing. Just fantastic all around. He was recommended to me by a colleague (I'm a law professor at Arizona State) and I plan to tell the new cohort of folks that were recently hired at the law school all about him. We're so grateful for his guidance and wish him all the best--and would definitely work with...

Bijal S. | 8/15/2017

Thank you for being so informative during this entire process! We're so glad to have worked with you.

Bijal & Julie | 8/15/2017

Guaranteed Rate and Jamie Kirkegaard made my whole experience and transaction so easy! I cannot thank you enough for your help in getting my wife and me into our new home!

Kenton M.

Jamie was great, and fast and thorough

Walter L.

Thank you to everyone that made this happen... and happen so quickly so that we could be in our new home before the holidays! We are more grateful and excited than words could ever express. You guys are a rockstar team!

The Talens

You are truly one of the best in the industry.

Previous Customer

Thanks Jamie! That seemed so simple. I'm sure it's not always that seamless, but I'll definitely be recommending you to everyone. I will certainly put in the good word for you with anybody I come across.

Previous Customer

Thank you for one of the smoothest transactions we have had in over 25 years of selling real estate. In this day and age of excuses and lack of performance in the loan business, you have rejuvenated our belief that there are still professionals in this industry that can get the job done. You were ready to issue loan docs in less than 10 days. I mean, really? Who does that anymore? Obviously YOU do! You constantly stayed in touch throughout the transaction. We would be harming our business by...

Previous Customer

Jamie, thank you for the opportunity to work with you on the (recent) transaction. You hit this one out of the park. Very much appreciate your help and a smooth transaction.

Previous Customer

Jamie made the impossible possible! Thank you for helping my cousins get their dream home in less than one month! My friends and co-workers still can't believe what you pulled off for us!

Previous Customer

Wow that was fast!! Thanks Jamie! You are amazing!

Previous Customer

Thanks for all of your hard work on this file. It was great to work with you and it was a nice, smooth transaction!

Previous Customer

You guys are my most favorite lender from this day forth!

Previous Customer

It's exciting to know someone so passionate about what they do and how they help make people's life happy and the world a better place. Cheers Jamie!

Previous Customer

Jamie is clearly one of the TOP professionals in the Lending industry. My "go-to" Lender for several years, Jamie has set new standards of excellence in communication and attention to detail. You will not be disappointed w/ the results and service!

Previous Customer

You are sooooo responsive. I'm impressed.

Previous Customer

Jamie is on a par with yourself regarding ethics, integrity and professionalism. I would highly recommend him to your real estate clients that may be in need of a referral for a mortgage broker. I have called upon him on several occasions for advice and he has always been welcoming and encouraging as well as providing a wealth of information. I met Jamie through the physician I supported as a medical practice secretary at Mayo Clinic.

Previous Customer

You made the process very easy for us. We really appreciate all your efforts.

Previous Customer

Jamie will take good care of you! He did a great job for us.

Previous Customer

Quick note to thank you for the amazing referral - Jamie has been an absolute star! We signed the papers last night. The sellers are signing today. And tomorrow we close. I can't thank you enough.

Previous Customer

Jamie is outstanding. He makes everything easy and is extremely accessible, as beyond helpful. He provides a great experience all around.

Previous Customer

About Jamie

Jamie provides mortgage loans for home purchases, refinancing, and homes for sale. The value he provides is for a lower interest rate on your mortgage, combined with the confident guidance that comes with a combined 35 years’ experience in real estate, home purchases, and mortgage lending. Mortgage products offered are for conventional financing as well as FHA, VA, new construction, and renovation. As a native of Phoenix, Arizona, he received his Bachelor of Science degree from the W.P. Carey School of Business, in Tempe. With offices in Scottsdale, he serves real estate agents, buyers, and home owners in all of Metro Phoenix and throughout Arizona. Everyone uses Jamie for their mortgage because he’s always available. He’s a valued resource for new clients long before they’ve begun there home search, and long after they’ve closed on their new home. And he’s always willing to do a complimentary mortgage check up to see if there’s any way he can save you money by refinancing your existing mortgage, or to help with other expenses by tapping into the home equity when appropriate. The phone call is free and he’ll go over all of your mortgage options. If you’re already in a good loan, he’ll tell you. Either way, you’ll know.


Jamie interview Q&A

Who is your typical customer and what questions do they typically have?
First time homebuyers as well as move-up buyers. Typical questions – What’s the best rate I can get? What will my payment be?
What specific steps do you use to help your customers find the best home loan for them?
I ask what’s important to them… lifestyle questions. It’s important the mortgage supports their lifestyle, not determine it.
How long have you been in the mortgage business? What awards have you won?
Combined 35 years in real estate and mortgage lending. Have been responsible for over 5,000 transactions totaling over $1 Billion.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage is great if someone has a goal of paying off a home and living in it a very long time. However, if plans are to move in 5 to 7 years, an ARM will save thousands of dollars.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Borrower has complex tax returns. With my years of experience, I was able to analyze the income and close in the normal time.
What advice would you give new or first time home buyers?
Buy a home that supports your lifestyle, and does not determine it.
Tell us about a mortgage product that consumers may not be aware of?
The Home In Five program provides grant money towards the down payment. I’ve helped homebuyers come to closing with only a pen.
What part of the home loan process do customers find most difficult and how do you help them through it?
I find most customers don't understand how important complete and accurate documentation is. I give them tips to help them pull items directly from their employers and banks websites that can be uploaded securely to Guaranteed Rate.
What are the top 3 misconceptions people have about the home loan process?
1. Find the home first then get a loan. 2. Only the credit score matters. 3. The down payment can come from anywhere.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
GR Loans, choose Jamie Kirkegaard
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
What can borrowers do to insure a smooth mortgage underwriting process?
Start early, way before you find a house.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Pat Tillman Foundation
Summary of where you grew up: family, affiliations, college, high school, etc.
Born and raised in Arizona, I remained and attended Arizona State University, and graduated with a Bachelor of Science from the W.P. Carey School of Business.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people achieve home-ownership.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Gardening and home renovation
Tell us something that makes you unique or something wacky, yet interesting about you?
I grow and make my own hot sauce.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.