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Justin was awesome to work with. He is upfront and honest and gets things done in a timely manner.

Veronica H.

Fountain Hills , AZ



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I LOVED working with Justin from Acorn Mortgage! I would recommend them to everyone! This was my first time home and he made it way easier - THANKS JUSTIN

Amanda S

Scottsdlae, AZ

I have worked with Justin Zinkann three times now - purchasing my first home, a refinance and a cash out refinance. In all three circumstances, Justin made the process very easy to understand. As a first time home buyer I was a bit overwhelmed, but Justin and his team were hyper responsive, clearly answered all questions, and always sent reminders and follow ups when we had deliverables. They are reliable, honest and punctual.

I am a natural skeptic and I always shop around. What I found was very disappointing. The large quick or rocket themed companies claimed to have the very best deals available. They all also promised quick responses and professional courtesy. What I found were a lot of hidden fees, great rates but only after purchasing points at a premium and failing to disclose this initially, last minute meeting cancellations, no shows and frequent rescheduling.

When I compare these experiences to working with Justin, the choice is very simple. The added benefit is that Justin was able to save me a great deal of money and put together the best deal.

Miles O.

Scottsdale, AZ

I have enjoyed working with Justin now for 2 transactions. He is responsive, friendly, knowledgeable, transparent and enjoyable to work with. I recommend his services and would work with him again

Jessica O

Scottsdale, AZ

I worked with Kevin Kelly on my mortgage. He was quick at responding and answered all of my questions thoroughly. I always knew exactly where I was in the process and what to expect next. I got a great rate and quick close with minimal fees. I would recommend Kevin to anyone looking for a mortgage!

Whitney E.

Chandler, AZ

Justin was remarkable in getting my loan, very professional and always available when I needed questions answered.

Shawn G.

Fountain Hills , AZ

Working with Justin made purchasing my next home easy. He knew exactly what was needed to make the loan approval happen quickly and secured the best rate for us. He managed to make it happen during COVID and while the Title Officer resigned we still closed on time. Great to work with. I highly recommend his service.

Patrick F.

Mesa, AZ

I’ve worked with Justin Zinkann a number of times. He does a great job. He is professional and works quickly and efficiently. Great experience!

Justin W.

Scottsdale, AZ

Justin did an amazing job for me. I have never been approved for a loan with no conditions until Justin. He is so experienced that he knew exactly what was needed to get my loan approved without coming back multiple times for additional documents.
Smooth process all the way through & great communication!

Deidre E.

Scottsdale, AZ

I am so glad we chose Justin and his team to help us with our mortgage needs. They were professional and proactive throughout the entire process. There was a challenge with the Title company and Justin and his team were right there working hard to make sure the transaction was seamless and on track to close--we were even able to close early! The entire loan process seemed effortless, but we understand it is because of the knowledge and efforts from partnering with Justin. If you are looking for diligent, experienced mortgage professionals then you definitely want to give Justin a call!

Carmella G

Fountain Hills , AZ

Justin and team are who you want to use for your mortgage or refinance. There's no games, just upfront and honest. They stay on top of items and seem to work all hours to make sure things move quickly. I have and continue to recommend Justin to anyone looking at a mortgage or refinance.

Allen B.

Phoenix , AZ

Justin is very professional and made the loan process quick and effortless. He is respectful of your time and stayed on top of the entire process. I would definitely recommend Acorn Mortgage!

Sheryl S

Scottsdale, AZ

Justin saved me thousands and I mean THOUSANDS on my refinance. Big box names charge a fortune and it just did not make sense for how long I saw myself staying in the house. Justin made the process very quick and he did it efficiently. I was very happy with the process and will always use him in the future!

Garland J.

Mesa, AZ

Justin was flat out honest about what my chances were to get a loan through in my current situation. He advised me of my options and chose the path that would yield the best possible result. He was right! Masterful! We closed with time to spare and his no frills straight up technique was just to my liking. I would recommend Justin to handle anyones loan... hands down!

Gary H

Chandler, AZ

Justin was wonderful to work with! He was quick to respond, patient in answering our questions, and worked hard to help us reach our goal! I would highly recommend Justin and Acorn Mortgage to friends and family any day!

Aubrey M

Phoenix, AZ

Justin is a solid person to work with. He is on top of everything and even fishing for lower interest rates without even having to ask. He made sure we got the best interest rate we could. Great communication. I would say the easiest loan process I’ve ever been through. On top of that I heard from Justin consistently through the process. He is the opposite of any loan officer I’ve ever worked with and he was the best part of all of it.


Scottsdale, AZ

I was referred to Justin by my realtor and I didnt believe that interest rates he was telling me at first because I didnt even see them that low online anywhere. Well when it was all said and done, he beat out the other loan officer that I was shopping him against by .50%! That was over $125 difference a month in savings!! Give Justin a call, hes legit and knows his stuf

Jason D.

Phoenix, AZ

Justin is the best!! Very quick and responsive, made my experience a breeze!

Jordan W.

Scottsdale, AZ

This is now the 2nd time I have used Justin and i would highly recommend his services and the company he is with. He made everything very easy, understandable and painless. It went so smooth and quick. Extremely happy with the results.

Cherie B

Mesa, AZ

Great experience from the start to finish! Justin walked us through a refinance of our mortgage, to save us a TON of money. Justin was very knowledgeable, honest, straight forward and trustworthy. He made our experience seamless and was responsive to all of our questions in an appropriate time frame. In a world where we believe customer service is often overlooked; this will not be the case with Justin! He is very customer focused. Thanks for all you do Justin!

Victoria S

Scottsdale, AZ

I have had the honor of knowing Kevin Kelly for almost twenty years. He has helped our family with multiple mortgages. He has always operated with professionalism and delivered fabulous service. I recommend him without reservation.


Phoenix, AZ