Hello! I'm John Williams, a Mortgage Consultant at the Raintree North Scottsdale Branch of On Q Home Loans Communication is key to successful home financing, renovation financing, or home refinancing. You should never be left wondering about your loan's progress — I always make myself available to my clients.


Whether you're thinking about purchasing a new build, refinancing, moving to a new state, or you need more space, I have the expertise to help. There are lots of options when it comes to home loans, and I can help you find the solution that works best for your unique situation.


I'm here to help you kick your worries out the window! So, what are you waiting for? It only takes a few minutes to get started.

VP of Mortgage Lending

JJ Williams is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, JJ is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact JJ at (480) 444-7137 for more information!

JJ Williams at ON Q Home Loans (NMLS #257883)

I have been working in the Mortgage Banking Field since 2001. My first 6 years were spent as a Wholesale Lender giving me the knowledge of guidelines and how to build a relationship that lasts a lifetime by doing the right thing for the client all the time. In 2010 I made the transition to the Mortgage Consulting side of the business taken all my knowledge of guidelines, building relationships with realtors and clients and always doing the right thing for my Realtors and client. It has never been and will never be about the transaction for me, it has always been and always will be about the client and what is right for them. My business philosophy has always been and always will listen to what the client is saying treat them with respect and it is never about the transaction it is about the client. When you treat people the way you want to be treated, respect them and listen to what they have to say they will be your client for life.

Producing Branch Manager

Shawn Cannon is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Shawn is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Shawn at (480) 444-7125 for more information!

Shawn Cannon at ON Q Home Loans (NMLS #229144)

Pam Baker is a seasoned mortgage consultant with over 25 years of industry experience in home, investment, and renovation financing. Her successful leadership of the On Q Home Loans Raintree North Scottsdale branch naturally stems from her relentless focus on customer service as her #1 priority.


When you choose Pam as your Mortgage Consultant, you'll have a knowledgeable, down-to-earth expert who makes sure you feel comfortable and confident with your options. When she's not leading her team, she's spending time with her two sons or getting in a workout at the local CrossFit gym.

Producing Regional Manager

Pamela Baker is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Pamela is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Pamela at (480) 444-7128 for more information!

Pamela M. Baker at ON Q Home Loans (NMLS #218423)

Brian Zapoticzny and his team at On Q Home Loans are committed to taking phenomenal care of anyone looking to purchase or refinance a home. Brian has been a Mortgage Consultant since 2015, and worked in the real estate industry since 2005. His career experience also includes finance, accounting, marketing, and sales for three Fortune 500 companies.


"Mortgages Simplified" is what On Q Home Loans strives to deliver for each and every customer. By listening to his clients' concerns, goals, and dreams, Brian and his team are able to successfully navigate their clients through the mortgage process, from start to finish. Brian's relational style is anchored with integrity, honesty, and a work ethic that continually builds trust – and clients for life.


On Q Home Loans offers a wide range of loan programs to fit just about every need. Honest and caring communication, innovation, and accountability are core to the On Q Home Loans culture – and to delivering the exceptional customer experience you deserve. You have many choices when selecting a lender. Give On Q Home Loans the opportunity to serve you and deliver a smooth, on-time closing – you'll be glad you did!


Brian was born in New Jersey, raised in San Diego, and graduated from UCLA (which included 1 full year studying abroad in Madrid, Spain.) He began his career in the San Francisco Bay Area, before moving to Arizona in 2003. Brian and his wife Dana have 2 young daughters and live in North Phoenix. When not at their daughters' dance studio or school activities, they enjoy traveling as a family, and spending time with friends. Brian enjoys playing many sports, and avidly follows pro tennis, soccer, and golf.

Brian Zapoticzny is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Brian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brian at  for more information!

Brian Zapoticzny at ON Q Home Loans (NMLS #1444050)

I understand that the home loan process can be stressful and often an overwhelming experience. Whether I am working with a first-time buyer or a seasoned borrower, I rely on my years of lending expertise to guide you through On Q Home Loans' Mortgages Simplified™ process. I pride myself on my honesty, open communication, and accessibility. I make myself available to my clients even outside of regular business hours. My number one goal is to become your trusted mortgage consultant for life by providing an unparalleled level of service.

Jeff Zulfer is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Jeff is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jeff at (480) 658-2280 for more information!

Jeff Zulfer at ON Q Home Loans (NMLS #1974667)

Josh Senter is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Josh is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Josh at (803) 969-0692 for more information!

Josh Senter at ON Q Home Loans (NMLS #2439398)

I'm Klaudene Carranza, and in my 20+ years as a Mortgage Consultant, I have learned how essential it is to listen carefully to my clients' needs. Learning your long-term financial objectives is vital in finding the home loan, remodeling loan, or refinancing that suits your and your family's unique needs and goals. I offer a wide variety of competitively priced loan programs that can meet your needs.


I'm also a Spanish speaker and work with many local communities. I've developed strong, long-term relationships with builders, real estate agents, and other referral partners and welcome new ones.

Klaudene Carranza is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Klaudene is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Klaudene at (480) 444-7117 for more information!

Klaudene Carranza at ON Q Home Loans (NMLS #258179)

Hi! I'm Lisa Chavez a Mortgage Consultant in Scottsdale, Arizona, and I believe communication is key.  
You should never be left wondering about the progress of your loan. That's why I always make myself available to my clients.


Whether you're thinking about purchasing a new build, refinancing, moving to a new state, or you need more space, I have the expertise to help. No matter your situation, there are lots of options when it comes to home loans.


I'm here to help you kick your worries out the window! So, what are you waiting for? It only takes a few minutes to see what you could possibly qualify for.

Lisa Chavez is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Lisa is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lisa at (480) 214-8898 for more information!

Lisa Chavez at ON Q Home Loans (NMLS #257843)

Welcome! I started in the mortgage business back in 2002 and quickly realized I had found not only my career but a true passion.


After having my son in 2003, I continued to work on the Operations side of the house for over 20 years. During that time, I was able to help thousands of homebuyers through the process and see the excitement of their dreams becoming a reality. After becoming an empty nester in 2021, I knew I needed something more. I wanted to give more. And that, is how I ended up on the Sales side of the house😊!


My mission is simple: To help as many people as possible secure a place to call HOME. Homeownership is fun and exciting, but with it also comes great responsibility. My goal is to help educate people about homeownership so that they can not only be excited, but also feel they've made a smart and comfortable financial decision. Choosing me as your lender, you can feel confident every step of the way. Transparency and Communication are KEY to any transaction, and mortgages are no different!


Whether you're wondering what it would take to buy your first home, are ready to purchase your second home or are interested in building your investment portfolio, let The Taylor Team find the perfect mortgage fit for you – because everyone deserves a place to call their own.


Lending with Love,  
A.Taylor ~ Mortgages Tailored to You♥️

AVP, Mortgage Lending

Alicia Taylor is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Alicia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Alicia at (480) 305-6245 for more information!

Alicia Taylor at ON Q Home Loans (NMLS #2622457)

Sales Manager

Dwight Millard is your Scottsdale local lender. As a loan officer at OnQ Home Loans, one of the largest retail mortgage lenders in the United States, Dwight is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Dwight at (817) 840-2919 for more information!

Dwight Millard at ON Q Home Loans (NMLS #241259)

Scottsdale

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                <p>• AZ: Mortgage Banker License #0907078 • CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act • CO: Regulated by the Division of Real Estate • GA: Residential Mortgage Licensee #20973 • OH: MB 804160 • OR: Licensed and Regulated by the Department of Consumer and Business Services • WA: Consumer Loan Company License CL-2611</p>
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10 Loan Officers Scottsdale, AZ