NMHL Mortgage Lending
Mortgage Lender in Chandler, AZ
Local expertise and competitive rates for Chandler homebuyers.
Chandler, Arizona's thriving tech hub, is experiencing robust housing demand driven by major employers like Intel and Microchip Technology. With a median home price of $475,000, Chandler remains relatively affordable within the Phoenix metro area. At National Mortgage Home Loans (NMHL), we understand the unique needs of Chandler borrowers, including first-time homebuyers, self-employed individuals, and those with credit challenges.
Our mortgage programs are designed to help you achieve homeownership in Chandler's desirable neighborhoods, such as Ocotillo, Sun Groves, and Downtown Chandler. With NMHL, you can benefit from competitive rates, flexible credit scoring, and down payment assistance options. Our local expertise and personalized service make us the go-to lender for Chandler residents seeking mortgage solutions.
Whether you're looking to purchase a new home in Chandler Heights or refinance your existing mortgage, NMHL is here to guide you through the process. Our online pre-approval tool and dedicated loan officers make it easy to get started on your path to homeownership.
Chandler Housing Market Overview
Chandler is a tech hub within the Phoenix metro, home to Intel's major chip fabrication facility and numerous semiconductor companies. The city's strong schools, safe neighborhoods, and employment base make it one of Arizona's most desirable family-oriented communities.
Chandler Neighborhoods
Popular areas for homebuyers in Chandler, AZ
ZIP Codes We Serve in Chandler
Mortgage lending available in these Chandler ZIP codes
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Chandler
Explore mortgage options tailored to Chandler homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Chandler's Thriving Neighborhoods
Chandler is home to a diverse range of neighborhoods, each with its own unique character and charm. Ocotillo offers luxury lakeside living, while Sun Groves and South Chandler provide newer family homes with modern amenities. Downtown Chandler has been revitalized with trendy restaurants and entertainment options, making it an attractive choice for young professionals.
- Ocotillo: Luxury lakeside homes and community amenities
- Sun Groves: Newer family homes with modern amenities
- Downtown Chandler: Revitalized urban living with restaurants and entertainment
Explore Chandler's neighborhoods with NMHL's local expertise
Mortgage Options for Underserved Borrowers
At NMHL, we understand that not all borrowers fit the traditional lending mold. That's why we offer specialized mortgage programs for self-employed individuals, veterans, and those with credit challenges. Our alternative credit scoring models and credit-repair programs can help you qualify for a mortgage even with past credit issues.
For example, our Self-Employed Mortgage Program considers non-traditional income documentation, such as business bank statements and tax returns, to help self-employed borrowers qualify for a mortgage.
Get personalized mortgage guidance from NMHL's experienced loan officers
Down Payment Assistance in Chandler
Down payment assistance programs can be a valuable resource for homebuyers in Chandler. The Arizona Housing Finance Authority (AzHFA) and the City of Chandler's Homebuyer Assistance Program offer grants and matching funds to help with down payment and closing costs.
- Arizona Housing Finance Authority (AzHFA): Provides down payment assistance grants
- City of Chandler's Homebuyer Assistance Program: Offers matching funds for down payment and closing costs
NMHL can help you navigate these options and determine the best fit for your situation.
Maximize your purchasing power with down payment assistance
The NMHL Advantage in Chandler
As a local lender, NMHL has a deep understanding of Chandler's housing market and community. Our personalized service, competitive rates, and flexible mortgage options make us the go-to lender for Chandler residents.
Our online pre-approval tool and dedicated loan officers make it easy to get started on your path to homeownership. Contact us today to learn more about our mortgage options and to get pre-approved.
Experience the NMHL difference in Chandler
Frequently Asked Questions
Chandler's average property tax rate is 0.60%, which is relatively low compared to other parts of the country. This can help offset the median home price of $475,000, making homeownership more affordable. For example, on a $500,000 home, the annual property tax would be approximately $3,000.
Chandler is served by the Chandler Unified School District, which is highly rated and has a significant impact on local home values. Homes located within top-rated school boundaries tend to command higher prices and appreciate faster over time. This makes investing in a home in Chandler an attractive option for families.
First-time homebuyers in Chandler can take advantage of down payment assistance programs offered by the Arizona Housing Finance Authority (AzHFA) and the City of Chandler's Homebuyer Assistance Program. These programs provide grants and matching funds to help with down payment and closing costs. NMHL can help you navigate these options and determine the best fit for your situation.
While traditional lenders may have strict credit score requirements, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our credit-repair programs and alternative credit scoring models can help you qualify for a mortgage even with past credit issues. We consider a range of factors beyond just credit score, including income, employment history, and debt-to-income ratio.
As a local lender, NMHL has in-depth knowledge of Chandler's housing market and can provide personalized guidance throughout the mortgage process. We understand the local economy, neighborhoods, and community resources, allowing us to tailor our services to meet the unique needs of Chandler borrowers.
Getting pre-approved for a mortgage with NMHL is easy. Simply visit our website and use our online pre-approval tool, or contact one of our experienced loan officers directly. We'll review your financial information and provide a pre-approval letter stating the amount you're qualified to borrow.
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Ready to Buy in Chandler?
Let NMHL help you navigate the Chandler housing market with expert guidance and competitive rates.