Headshot of Karen McKay

Karen McKay

Sr. Loan Officer

Tucson, AZ Mortgage Lender

NMLS #1050713

4280 N Campbell Avenue, Suite 107
Tucson, AZ 85718
Contact Methods
tel Phone
mobile Mobile
(520) 820-2868
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.


About Karen

Since 2018, I’ve been one of the nation’s leading loan originators. I was ranked in Scotsman Guide’s Top Originators lists in 2020 and 2021. This success stems from over 25 years in lending, with the last seven years of my career focused on home loans. Whether you’re buying your first home, next home, or investment property, I’m dedicated to getting it done.

Communication and organization are my two biggest strengths – and that’s how I simplify home financing. I’ll start by walking you through each step of the mortgage process, always be available to answer your questions, and keep you up to date on your loan’s status. From application to closing and beyond, we’ll walk together every step of the way.

When it comes to finding the right home financing for you, I start by listening. From conventional and jumbo to FHA and VA, I offer a wide range of loans. We’ll discuss your goals and priorities to find the product that fits your needs. I look forward to starting your home financing journey.

On a personal note, I’m a very active person, which includes daily walks with my dogs, riding my bike, swimming, scuba diving, and camping.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
The kitchen of a new homeowner

Buying now means saving later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

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*For full terms and conditions, visit ccm.com/buynowrefilater.

A homeowner and child waving goodbye to mortgage insurance with Bye-Bye PMI

Save on your mortgage every month

Say Bye-Bye PMI


Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional mortgage for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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Send me a message below or give me a call at 602-324-9091