The BEST service, products, rates & terms Why use a mortgage broker? Mortgage brokers represent you - the borrower. Mortgage brokers work on a wholesale basis, thus they can oftentimes offer loans with rates at or below the terms direct lenders offer. Mortgage brokers increase the industry competition, resulting in lower rates for you. When you apply for a loan with a mortgage broker, you're effectively applying for a loan with all lenders the broker is approved with. Why choose Kenica? Kenica Financial Corporation is a professional full-line brokerage. We have been serving Arizona for more than 15 years. Our goal is to provide the best service possible with the widest range of products at very competitive rates. We specialize in what other lenders describe as "the hard-to-do loans". We take pride in being able to offer you these loans that take some extra time, knowledge and experience. These loans include: Self Employed Luxury Homes Credit Issues 1st Time Home Buyers No Income/No Ratio/No Doc Loans Construction Loans We will be happy to discuss these and other loans that might be available. Contact us today to see what is available for your specific needs.