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Dual-Licensed Real Estate Agent and Loan Officer in Arizona & California

One person for the home and the loan

Yes, one person can guide both your home search and your mortgage. Dr. Kevin Shufford, known as The Property Professor, is a licensed real estate agent and a licensed mortgage loan originator statewide in both Arizona and California (AZ #SA702010000, CA #02238213, NMLS #2637739). You get one advisor who sees your whole transaction, not two who each see half of it and never talk to each other.

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What is a dual-licensed real estate agent and loan officer?

Dr. Kevin Shufford is a dual-licensed Arizona and California real estate agent and mortgage loan originator, holding an active real estate license in both states (AZ #SA702010000, CA #02238213) and an active mortgage loan originator license under NMLS #2637739. A dual-licensed professional holds both credentials at the same time, which means one person can handle the home search and the financing. Most buyers work with two separate people: an agent to find the home, and a loan officer to handle the money. Kevin does both jobs. The person helping you choose a home is the same person who knows exactly what you can borrow, what your monthly payment will be, and how to write an offer the lender will actually approve.

One advisor beats an agent plus a separate lender

Here’s where most deals get bumpy. Your agent writes the offer, your lender runs the numbers, and the two of them have never spoken. You end up as the messenger between them, and small miscommunications turn into missed deadlines or a payment that’s higher than you planned for.

When one person holds both licenses, that gap disappears. Your pre-approval, your home search, and your offer strategy all come from the same playbook. You ask one question and get one answer that already accounts for both the house and the loan.

How this works when you buy with Kevin

A real pre-approvalKevin looks at your income, your debts, and your goals, then tells you what you can actually afford. Not a generic number from an online form.
A smarter searchBecause he knows your financing inside and out, every home he shows you fits your numbers. No falling for a house the loan won’t cover.
An offer built to closeHe writes offers that hold up under a lender’s review, so your accepted offer doesn’t fall apart at underwriting.
One contact to the finishFrom the first showing to the closing table, you’re talking to one person who knows every moving part of your deal.

What about being paid on both sides?

It’s a fair question. The rules about one person acting as both agent and lender on the same transaction vary, and where it’s allowed, full written disclosure is required. Kevin follows those rules to the letter and will always tell you exactly what role he’s playing and how he’s paid.

But the real value was never about one person collecting two checks. It’s that your advice comes from someone who reads both the purchase contract and the loan file. Nothing gets lost between two desks, because there’s only one desk.

Does it cost more? No.

Coordination doesn’t add a fee. It removes friction. You get fewer re-quotes, fewer surprises at the closing table, and a tighter timeline, because one person is steering both halves of the deal. Want to understand the money side first? Start here:

Run your numbers first

Free calculators, no email required. See where you stand, then bring me your questions.

Why buyers trust Kevin with both sides

  • PhD in Human Communication, Arizona State University
  • Licensed real estate agent, Real Broker LLC
  • Licensed mortgage loan originator, One Real Mortgage (NMLS #2637739)
  • Licensed statewide in Arizona and California, in both real estate and loan origination
  • Part of The Reach Home Group, a Real Broker Top 50 team by volume

Frequently asked questions

Can one person be both my real estate agent and my mortgage loan officer in Arizona?

Yes. Arizona allows a professional who holds both an active real estate license and an active mortgage loan originator license to help you with the home and the financing, as long as the roles are properly disclosed. Dr. Kevin Shufford holds both licenses in Arizona and California.

What is a mortgage loan originator (MLO)?

An MLO is a licensed professional who takes your mortgage application, reviews your finances, and guides you through your loan options and approval. Dr. Kevin Shufford is a licensed MLO with One Real Mortgage (NMLS #2637739) in addition to being a licensed real estate agent with Real Broker LLC.

Do I save money working with a dual-licensed agent and loan officer?

The savings come from coordination, not a discount. When one advisor understands both the purchase contract and the loan file, you avoid the delays, re-quotes, and closing-table surprises that happen when a separate agent and lender never talk.

Is Kevin licensed in both Arizona and California?

Yes. Dr. Kevin Shufford is licensed statewide in both Arizona (#SA702010000) and California (#02238213), as a real estate agent and as a mortgage loan originator under NMLS #2637739. That covers the entire Phoenix metro and all of California, including Los Angeles and San Diego.

Can Kevin help if I’m selling in California and buying in Arizona?

Yes. Because he’s licensed and active in both states and understands both the sale and the financing, he can coordinate a California sale with an Arizona purchase under one roof. If you’re planning that move, start with his guide on going from San Diego to Scottsdale.

How do I get started?

Book a free, no-pressure call. Kevin will look at your goals, your timeline, and your numbers, then map out the path for both the home and the loan.

One home. One loan. One person who understands both.

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Prefer to text? Reach me at 480-725-4658