Chandler Arizona Mortgage Lender

Home Loans In Chandler, Arizona

With over 275,000 people, Chandler is the fourth-largest city in Arizona. The city is known for its fantastic art murals, festivals, and performing arts. Here, residents have easy access to big-city amenities while still enjoying its small-town charm. Real estate in Chandler has been quite active in the past few months. If you’ve been thinking of owning a home in this city, now may be a perfect time to get the ball rolling.  To help you get started, we’ve put together this quick guide on what to expect when it comes to Chandler mortgage loan applications. 

Home Loan Process In Chandler, AZ

     1. Speak with a mortgage loan officer

To officially kick start the home loan process, you’ll need to speak with a mortgage loan officer. At Capital Home Mortgage, our mortgage specialists are standing by to help you get the loan process underway and answer any questions you may have.

     2. Submit your mortgage application

This process involves compiling all the required documents and submitting them along with the loan application to the loan officer.  If the application is accepted, it will go through underwriting. This is where the lender’s underwriter will verify all your information and documentation and make sure you can afford the loan.

     3. Get pre-approved for a mortgage

By getting pre-approved, you will have a general idea of how much you can borrow from the mortgage lender and what interest rate you can expect to pay. This process includes a credit check, so it’s essential to ensure your credit score is good enough before you apply.

     4. Find the right property

Once you’re pre-approved, you can start looking for the right property. Keep in mind your budget and what type of property you’re looking for. It’s important to set your sights on a property you can realistically afford. Your loan officer can also assist with this step. They know the real estate situation in the city better, so they’re in the best position to recommend the best areas where you are likely to find a home for sale within your budget. 

     5. Close on your loan

Once everything has been approved, you’ll be able to close on your loan and officially become a homeowner! Closing is usually done in person at the title company.

     6. Start making your payments

Now it’s time to start making your mortgage payments. You’ll want to be sure to make them on time and in full each month to avoid late payment charges and other penalties. 

Chandler, Arizona Mortgage Lender

There’s a lot to think about when applying for a home loan in Chandler — but don’t worry, we’re here every step of the way. At Capital Home Mortgage, providing our clients with a stress-free and enjoyable home buying experience is our top priority.  We understand how overwhelming the home loan process can be, especially if this is your first time. Our team has taken active steps to clear out the hurdles so you can obtain the financing you need in the shortest time possible. 

Find The Perfect Home Loan In Chandler, AZ

Whether you’re eyeing a luxurious villa or a cozy starter home, we can help you find the perfect Chandler home loan program to suit your needs. Call us at (480) 360-6650 to speak with our loan officers and get a quick, no-obligation quote. 

Why Chandler HomeBuyers are Choosing Capital Home Mortgage

Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Chandler Arizona Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Chandler Mortgage Programs

Chandler Home Purchase

Thinking of Buying an Chandler Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Chandler renovation home loans

Looking to Rehab an Chandler Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Chandler FHA Home Loans

Great for 1st Time Chandler Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Chandler VA Home Loans

100% Financing for Chandler Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Chandler Conventional Home Loans

Flexibility for Chandler Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Chandler Jumbo Home Loans

Chandler Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Chandler USDA Home Loans

100% Chandler Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Chandler Native American Home Loans

Chandler HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Chandler Manufactured Home Loans

Great Alternative Chandler Housing

Chandler reverse mortgages

Your Chandler Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Chandler Non QM Home Loans

Making Chandler Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Chandler One Time Close mortgages

Build Your Chandler Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Chandler Refinance Mortgage Loans

Chandler Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Chandler Cash-out Home mortgages

Chandler Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

chandler Arizona Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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