Tracine was great to work with. She covered all the details throughout my refinance and never left anything unanswered. Thank you Tracine for a great new rate.


Thank you guys so much! Tracine, you are AWESOME. After shopping around not only did you get us the best value and lowest rate for our refi...you closed us in unheard of time! Very responsive, very helpful. 10/10 and will definitely recommend!

Brittany Stoltzfus

5 Stars is not enough for Tracine and her team at Tylan Mortgage. Having gone through the process of mortgages and refinances with numerous big name lenders, I promise you, nothing compares to the absolute ease and quality of customer support I received during the refinance process with Tracine. You are walked through the process step by step and always have a friendly person to call with any questions. After working with Tylan Mortgage, there is no way I would ever use anyone else.

Will Wehe

I was very satisfied with my refinance, was quick and easy. Tracine was easy to work with was really on top of things. I would refer her to my friends.

Laurel L Trent

Tracine was amazing to work with on our refinance! Helpful and professional - can’t say enough good things about her. The process was so fast and she got us an amazing low rate. Her positive attitude is contagious!!

Melody Yahrmarkt

Kip, I have to thank you for your expertise. You explained everything in a way that I could understand. I never felt pressured to make any decisions and I felt like your guidance was spot on in terms of choosing when to lock in a volatile market. I felt like you were always available and you promptly answered all of my questions. Thank you very much for your assistance!


Kip is always thinking ahead to ensure a smooth and quick process. KIp always leads within information and data, not pressure, making the whole process enjoyable and productive.

John Kelty

Andy was extremely well informed and helpful from the first step (refinance) to the last step (rental purchase). Very positive experience! Highly recommend these guys!!!

Angie Fish

From start to finish, my experience with Andy and Tylan Mortgage was outstanding. I had no idea what to expect-that said I could not have wished for more. Professional and personable Andy guided me through the refinance process with grace and speed. I feel like I have a friend in the business.

Jan Rogers

I contacted Tracine on January 12 to discuss my refinance options. Less than 4 weeks later, my refinance is DONE! And that’s with an appraisal!! Tracine made the process simple and painless, and made sure I was informed about the best options for me. I’m so thankful!

JoAnna Pearson

Tracine works incredibly hard to make the process work quickly and efficiently. I could not be more happy with her.

Paul Marron

We found Tylan Mortgage amongst a list of recommended brokers in the Flagstaff Area, from our preferred lender of choice. After a review of the 5-6 companies websites, Google/Zillow reviews, I settled on Tylan because they had recent and excellent customer reviews (less than 6 months) and a current/modern, and user friendly website. The competitors had reviews over 6 mo-1 yr old and outdated sites, which led me to believe they weren't as active or current in the industry. After sending in an contact request, we were contacted by Tracine Umber...NO used car sales pitch, just a "what can I help you accomplish attitude" She was one of the best brokers we've dealt with, and we've used several over the years. She was always quick to respond to our inquiries, followed up with research when needed, and secured the lender & VA loan we were hopeful for!! Of course with the low rates, it sweetened the deal. Tracine is on it when it comes to doing the work for you!!! Great job lady and best of luck in your continued career success. DS & TS

Denise Soffa

Quick and efficient! Great rates that couldn’t be matched by other companies. Ask for Tracine, she’ll get it done right!

Ian L

Tracine did an amazing job on the refinancing of my home! She not only was professional, but she also made it fun with her adorable personality! The process couldn't have been easier! I closed in 16 days from our initial contact!!! My payment is now $340 less per month and my rate was reduced considerably!!!

Sandi D

I really appreciated the time that kip from Tylan Mortgage took to explain various aspects of taking out a loan. This was the first time we had done a home equity loan and the process was very smooth and professional. I also appreciated that his approach to securing the loan was not aggressive. Before deciding to go with Tylan, we tried working with another company that was much more aggressive putting pressure on us with multiple phone calls and texts a day and a very sales pitchy tone. Kip from Tylan was the opposite, so patient and professional and best of all we have a nice chunk of change sitting in the bank we can use for renovations!

Maria W

Quick responses to all of my questions!

Kerry B

We would definitely recommend Tylan Mortgage. Kip was really wonderful to work with. Incredibly responsive and always available to answer questions and help us work through difference scenarios. He would quickly answer emails throughout the day and even late at night. We did our refinance with him and if we go through another mortgage process, we'd definitely work with Kip again.

Redwood Admin Services

Worked with Kip Moyer most recently on a re-if. He was attentive, organized, timely, and walked my re-if through to completion without any issues. Tylan’s team is fantastic and their rates and fees are extremely competitive. They were able to have my appraisal waived so we saved even more money and time in the process. I’m extremely pleased.

Robert K

Kendra and her team were excellent from start to finish; highly recommend.

Sydney A

Kip did a great job of communicating and all went smoothly. That says alot in todays market.

Mike B

Working with Kip & the Tylan Mortgage team was a exceptional experience from start to finish. Competent, professional & efficient throughout - I would highly recommend to anyone considering refinance or purchase.

Jay B

Kip was a pleasure to work with on our re-finance. He walked us through every step of the process explaining everything in layman’s terms. He even supplied us with spreadsheets comparing various scenarios. Kip is very knowledgeable and customer focused. He listens, understands, and follows through on every detail. He is a true professional and is a wonderful asset to the Tylan team. Three ATTABOYS for you Kip. We are delighted with our new lower interest rate and we Thank You for making the process a walk in the park.

Dick N

Kip Moyer was wonderful to work with. I was a first-time home buyer, with a unique/complicated financial situation, purchasing during a pandemic... and he not only helped us secure an incredible interest rate, but walked us through the whole process with such calm, clarity, and kindness. Kip is definitely someone you want on your team! Very grateful for the time and energy he spent helping us make our dream home a reality. -Rachel S

Rachel S

Andy and Kendra worked with us on the purchases of both my house and my mother's. They are both wonderful. Kendra is, without a doubt, the very best I could ever have hoped for in a loan professional. She is extremely knowledgeable, accessible, responsive, and utterly professional. We were first-time home buyers and we were buying new construction, so we had a lot of questions and she navigated us through every step of the process with patience and care. She somehow had a better idea of what we wanted to know than our questions even conveyed. I will never work with anyone else again if at all possible.

Sahar R

I was referred to Kip after I had already begun negotiating my house purchase, so we only had 25 days until close of escrow. The process was smooth and easy. Kip was incredibly helpful, attentive, and was able to get me a very low 2.99% interest rate. Best of all, perhaps, he remained calm and kept a great sense of humor throughout the process. I am already referring my clients and friends his way! Thanks, Kip and Tylan Mortgage!


Kip Moyer at Tylan Mortgage helped us with our mortgage, and was just outstanding. He was very professional, responsive, and competitive. We are very happy with the service that we received, and with our mortgage terms. We were happy to keep the business here, locally, as well.

Jim G

Kip was fantastic to work with. Walked me through the process from beginning to end. I highly recommend Kip at Tylan Mortgage for all of your mortgage loan needs/questions! Super responsive, worked with me to lock in the rates at the right time, and never seemed bothered with all of my questions! Thanks Kip!!

Angelina P

We just closed on a ReFi with Tracine and couldn't be happier! Tracine got us approved for a 15 year fixed conventional at a rate over a full percent less than our already low FHA mortgage and we are paying basically the same amount each month with no prepayment penalties or fees on principle! Tracine was very responsive and answered all our questions clearly! Thank you Tracine and Tylan Mortgage!!

Patrick S

Wow! 8 days from start to cleared to close? Not what I was expecting. Tracine was phenomenal. She kept me informed of the process every step of the way and really made me feel like she was in my corner. The dreaded underwriting process... everyone hates it. Tracine was like my superhero, slicing through red tape! That gal has a bright future!

Brian D

Andy was awesome when I refinanced my home! Ill definitely be back again. Thanks again, Andy!

James S

Thank you Andy for making my refinance so easy.

Michael A

Buying a house is a very involved process, especially the financing piece. Tracine made that process as seamless and as efficient as possible. I would definitely recommend Tylan Mortgage for anyone looking to buy or refinance!

Daniel & Kelsie J

I have been a customer of Tylan Mortgage for the past several years. Andy has always been amazing! This time, he brought on a new partner, Kip Moyer. I was hesitant at first simply because Andy has always been so supportive to nurses! Kip didn't miss a beat and was thorough and extremely professional! His attention to detail and warm personality had me at ease from the beginning. The process was smooth and supportive. I would highly recommend Tylan Mortgage to service your financial needs. Thank you Kip!!

Ashley P

Thank you, Andy for making the re-fi on my house so easy. He was professional, easy, and efficient. Thanks again, Andy! ~Mahalo

Taylor K

I highly recommend Kip Moyer if you are looking to finance the purchase of a house! He is super attentive, knowledgeable, honest, and kind. The whole process can be stressful, but Kip was there every step of the way. He was available day or night and instilled confidence during a stressful time. When it was time to close, there were no surprises due to his diligence in making sure all the I's were dotted and the T's crossed! I don't plan to ever buy another house, but if I did, Kip would be my man!

Dylan W

Working with Kendra and Sarah was such a good experience. They were prompt, thorough, and supportive to help answer our questions and navigate the lending process. We would definitely use their services again.

Ryan A

Excellent experience! Kendra is amazing, and we look forward to working with her in the future.

Eben C

Our refinance with Kip at Tylan Mortgage was fast and efficient and we were appreciative of his timeliness and attention to detail. We were able to refinance at a lower rate which will save us money in the long run and the process was quick and painless. Good experience overall with a local company and would highly recommend to friends, family or others in the community.

Shannon G

Am very pleased working with Tracine....She did answered all my questions about the process...she was there from start to finish....she went the extra mile ,to make sure to get the job done..... Very kind person and professional .. Thank you Tracine....good job!!!

Miguel G

Great service and communication, made refinancing experience quick and painless. Have recommended to friends and coworkers and would not not hesitate to recomend to anyone.

Mark T

We had such a great experience with Kendra at Tylan Mortgage. We shopped around thoroughly prior to choosing them, and found out that they not only had the best rates in town, but that Kendra was also the most personable, kind, and professional mortgage broker in Flagstaff.

Katya G

Offer to close, these guys had us in our new home within a month (less, actually), which allowed our family to ease into our new home just in time for a new job. Bonus points to andy and Kendra who worked tirelessly and professionally with our realtor and his staff to get the paperwork completed in time for us to enjoy a quick vacation before the move. THANK YOU!

Danielle F

I shopped the big banks, Bank Rate dot com, and the local Flagstaff lenders and Kendra at Tylan delivered on the BEST RATE! This was my number one priority in finding a lender for our mortgage. However, other lenders out there will try to tell you that to get the ABSOLUTE best rate you will have to sacrifice on customer service and risk not closing on time when “things come up”. BS. Kendra at Tylan is in a league of her own when it comes to rates, customer service, and execution. She is a consummate professional, incredibly knowledgeable, and available seemingly day and night to answer questions and provide routine updates on the progress of the closing. Kendra proved that you can go with a local lender, get the BEST RATE, CLOSE ON TIME, and have someone in your corner that is truly looking out for your best interest. I am a second time home buyer but still had a lot of questions and Kendra was AMAZING! I have since recommended Kendra and Tylan Mortgage to friends and family members. My wife and I cant say enough about how amazing our customer service experience was and at the end of the day, we got a rate significantly lower than anyone else offered and our closing cost came in below Tylan’s estimates. FANTASTIC!

Cole S

Andy and his team are great and so easy to work with. They responded to every question very quickly and stayed on top of the whole process with frequent updates. As a first time home buyer they made the process as easy and stress free as it possibly could be. Andy has a ton of knowledge with mortgages and really made sure we got the type of mortgage that was right for us. We will definitely work with him again in the future.


I'll admit it, I don't like the mortgage business. Working with Andy was different, though. He took the time to explain my options, he was transparent throughout the process, and really helped me to understand the different levers to pull to get a better deal. I shopped him, too, and found him to be the most economical.

Brent C

Incredible service! Such a knowledgeable and service oriented team - excellent experience with Andy.

Mallory S

Great service and response and rates!

James B

My husband and I had the pleasure of working with Kendra at Tylan Mortgage and she's amazing. She was on top of every detail and extremely responsive. She made the entire home purchase easy and smooth for us. I would highly recommend using Kendra for your next home purchase or refinance. We are extremely grateful for everything she did to help us with our new home!!

Janet P

Great service, super responsive, excellent rates.

Jessica D

Andy is an outstanding lender and really understood our financial needs. He had the best deal in town and we compared several lenders. He's been in the business a long time and he really worked with us to help us get the home of our dreams at a rate/price we could afford! We recommend him to everyone we know!

Kelley F

Recently work with Andy on a loan and am super happy with how it turned out. He is easy to work with, quick and responsive, and takes the time to answer your questions thoroughly. Would strongly recommend him.

Jared N

Andy and Kendra an excellent team to work with on every aspect of your mortgage! They were always available every step of the way when we were buying our home. Andy has a wealth of knowledge about not only mortgages, but the entire purchase process.

James S

Kendra and Tylan Mortgage were incredibly helpful, informative and supportive as I went through the mortgage process. As an agent Kendra was patient and prompt when calling me back to answer any and all questions I may have had. As a professional who grew up in Flagstaff, I highly recommend Tylan Mortgage as the number one small, professional home town mortgage company.

Greg R

These guys are amazing! Our rate was way lower than we were expecting, as were closing costs, and we closed completely on time! They were on top of everything! Highly recommend!

Megan De La V

Andy and Kendra were very helpful and responsive to my needs They made the process easy to navigate. They were very patient in answering all of my questions. They were flexible with the changes that re requested. I would definitely recommend them.

Joanne H

Tylan Mortgage is so great to work with Andy, Kendra and Sarah are very knowledgeable, professional and care about their clients. If you are looking for a mortgage I would highly recommend them!

Shane T

Tylan Mortgage is AMAZING! Andy Morris (owner) worked with my husband and I until we were in a great financial position to get the best rate and loan program. Andy is knowledgeable, kind and patient. It is a family owned small business so he was the least expensive compared to all the other banks we checked with. We will use Tylan Mortgage, LLC for all future mortgages!

Kendra M