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.