Business Details
16 Years
experience
Your Trusted Mortgage Broker in Chandler, AZ
At Home Loan Low Rate, we specialize in simplifying the home loan process for our clients. Our team of experienced loan officers acts as your personal shopper, scouring the market to find the best mortgage rates and terms tailored to your unique needs. We offer a wide range of loan programs, including VA loans, FHA streamline refinances, jumbo mortgages, and zero closing cost options, ensuring accessibility for diverse financial situations. Our patented loan shopping process empowers clients to compare offers effortlessly, with no social security number required for initial soft credit pulls.With over a decade of industry expertise since 2010, we prioritize transparency, competitive pricing, and personalized guidance. Our commitment to innovation is reflected in our proprietary mortgage rate tools and educational resources, which help clients make informed decisions. As a nationally licensed mortgage broker (NMLS #1660690), we combine technological efficiency with human expertise to deliver seamless loan experiences. Our focus on customer satisfaction has earned us recognition as one of the fastest-growing mortgage firms in the country, serving clients across Texas and beyond.
Services
VA Loan
FHA Streamline Refinance
Jumbo Mortgage
Zero Closing Cost Loans
Stated Income Mortgages
Details
- Year established: 2010
Highlights and features
- We offer personalized mortgage solutions with no social security number required for initial prequalification
- Our patented loan shopping process secures competitive rates from multiple lenders
- Specialize in niche programs including VA IRRRL, FHA streamline, and jumbo mortgages
- Provide real-time mortgage rate tracking and educational resources
- Ranked among the fastest-growing mortgage brokers nationally
Associations and certifications
- NMLS
What people say
Competitive rates
Personalized service
Quick approval
No social security required
Expert guidance
Services
VA Loan
VA loans provide competitive rates for eligible veterans with no down payment requirements. Our specialized VA loan program includes streamline refinancing options to reduce rates quickly. We handle both purchase and refinance transactions with expert guidance through the entire process.
Jumbo Mortgage
Jumbo mortgages cater to high-value properties exceeding conventional loan limits. We offer programs up to $5 million for primary residences and investment properties. Our cash-out refinancing options allow equity access while maintaining competitive rates for qualified borrowers.
FHA Streamline Refinance
FHA streamline refinancing reduces rates with minimal documentation for existing FHA borrowers. This program requires no income verification or home appraisal in many cases. We specialize in fast processing with reduced closing costs for eligible applicants.
Stated Income Mortgage
Stated income loans provide flexible qualification for self-employed borrowers. We verify assets instead of traditional income documentation while maintaining compliance with lending standards. Ideal for business owners with complex financial profiles.
Bad Credit Home Loan
Our bad credit mortgage programs help borrowers with lower credit scores achieve homeownership. We offer tailored solutions including credit improvement guidance and specialized loan products. Soft credit pulls allow prequalification without affecting credit scores.
People
Troy Mangone
Loan Officer
With over 15 years of mortgage industry experience, Troy Mangone specializes in complex loan scenarios and credit recovery solutions. He holds NMLS certification #1056744 and focuses on educating clients about mortgage options while maintaining strict compliance standards.
Questions
What mortgage programs do you offer?
We provide VA loans, FHA streamline refinances, jumbo mortgages, stated income loans, and bad credit home loan programs with competitive rates.
How does your mortgage shopping process work?
Our patented process has lenders compete for your business by comparing multiple offers with no initial credit check required.
Can I check rates without affecting my credit?
Yes, our soft pull credit report provides rate options without impacting your credit score or requiring a social security number.
Do you offer loans for self-employed individuals?
Yes, we specialize in stated income mortgages for self-employed borrowers with flexible documentation requirements.
What areas do you serve?
We primarily serve Texas residents but offer mortgage solutions nationwide through our licensed brokerage network.
How can I rebuild credit while getting a mortgage?
Our bad credit loan programs include credit improvement resources and soft pull monitoring to help build credit during the mortgage process.
