Sally Kilzer
Mortgage Loan Originator · NMLS #626328
Licensed in: AZ, CA, MN, SC, TN, TX, WA
About Sally
Whether you’re buying your first home, upgrading, refinancing, or building your dream home, choosing the right mortgage professional matters. Mortgage guidelines, interest rates, and loan programs change constantly, so you deserve an expert who can provide clear advice, creative financing solutions, and responsive communication every step of the way.
As a mortgage broker, I shop your loan with more than 100 wholesale lenders to find the financing option that best fits your goals—not just the one offered by a single bank. My job is to simplify a process that can feel overwhelming by providing honest guidance, competitive pricing, and a personalized strategy tailored to your unique financial situation.
I began my mortgage career in 2006 after graduating from Arizona State University with a Bachelor’s Degree in Business. I am also a proud alumna of the ASU Swimming & Diving team, where I competed on an athletic scholarship. The discipline, perseverance, and commitment to excellence I developed as a student-athlete continue to shape the way I serve my clients today.
With nearly two decades of experience, I’ve helped hundreds of families navigate one of the biggest financial decisions of their lives. I have a special passion for working with first-time home buyers, educating my clients so they feel confident—not confused—throughout the mortgage process. Whether your situation is straightforward or requires a more creative approach, I’m committed to finding solutions that help you achieve your homeownership goals.
My mission is simple: provide exceptional service, transparent communication, and access to the most competitive financing available while building relationships that last long after closing day.
When I’m not helping clients, you’ll find me lifting weights, swimming laps, reading historical fiction, or spending time with my husband, son, and stepson. I also share practical home-buying tips and mortgage education on Instagram at @mrs.homeloans.
What clients say
Sally came highly recommended by our realtor Kiley Hapner, and she did not disappoint. As first-time, out-of-state investors closing on a Scottsdale property remotely, we needed a lender who could walk us through every step with clarity and patience. That's exactly what Sally delivered. What set her apart was how personal she made the experience. She sent us custom videos breaking down paperwork and key milestones so we always knew exactly what we were signing and why. She also laid out loan options and pulled connections it to secure the best rates. In a process that can feel overwhelming, that level of care made a huge difference. She was also in constant communication throughout: responsive, proactive, and never left us guessing on timing or next steps. The whole process was remarkably smooth from application to close. If you're looking for a mortgage lender who treats you like a person and not just a file number, Sally is the one. We'd send anyone her way without hesitation.
Ariel G. · Scottsdale, AZ Sally's professionalism and dedication is unmatched in her field. As a first time home buyer, I had many questions and concerns leading into this buying process and was put at immediate ease with her detailed responses and clear guidance. I highly recommend her services to any home buyer and absolutely plan to reach back out in the future to help coordinate future home loans! Thank you Sally!
Alex S. I couldn't be happier with Sally Kilzer as my Mortgage lending officer. She consistently goes above and beyond to provide top-notch service. Her exceptional communication skills make her stand out, and she ensures my clients receive the most current and valuable information. I highly recommend Sally for all your mortgage needs.
John F.
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