Located in Gilbert and Queen Creek, serving all of Arizona
Your Local Gilbert, Arizona Mortgage Broker. More Options. Better Guidance.
Howard Funding is a mortgage brokerage in Gilbert, Arizona, led by Chance Howard.
- NMLS 2327545
- License MB-1035983
- Equal Housing Opportunity
About
Meet Chance Howard
Howard Funding is a mortgage brokerage in Gilbert, Arizona, led by Chance Howard. We help buyers, refinancers and investors with Conventional, FHA, VA, USDA, Jumbo and non-QM loans, using a network of wholesale lenders.
We are an independent, locally owned brokerage. Chance runs it as Broker-Owner, and you work with him from your first call to closing.
Because we are a broker, we shop a network of wholesale lenders for you, so you see more than one lender's options. The lender you choose makes the final decision on your loan.
- NMLS 1543500
Reviews
Kind words from real clients
Chance is someone you can trust from the begging to the end of the transaction. I'm grateful to have found him to help me with the purchase of my home. Chance answered all of my questions and concerns, in detail. Couldn't have done it with out him. Buying a home can be challenging in number of things from the seller, realtor, title, etc. Chance made it easy for me, to understand, trust and believe that I was making the right decision . Thank you Chance, from my daughter and I. Sincerely, Edith Peralta, MBA/CCC
Edith Peralta It was an excellent experience working with Chance! He guided my wife and I through our first home purchase. Although it was stressful, Chance explained everything extremely well to us, and we felt we were in good hands the whole time. He is a great communicator and responded quickly to our questions. We thank God for great people like him, and we highly recommend him.
Keith Chance is exceptional. So easy to work with. Professional and works quickly. Always willing to answer all of my questions. I can’t say enough good things about him. Highly recommend.
Courtney Miller Had the opportunity to work with Chance, he gave me top notch experience. Was always very prompt on response and is very knowledgeable. I would recommend him to anyone! He was great to work with.
Cale Lowther Over the last couple of months I have been working with Chance and I can't say enough on how grateful I am to have worked with him. His customer service and guidance through the home buying process has me confident and excited to have purchased my 1st home. From not having any experience with the home buying process Chance has gone above and beyond to ensure I am completely on board and understanding of everything that has gone on. Thanks for everything Chance and I will be keeping in touch and referring everyone in the market.
Sammy Bello Working with Chance as my lender was amazing! He got me a lower rate than anyone else and managed to make it so I could close in just a couple weeks. He made sure I felt confident and understood every step of the process, and I appreciate that so so much! Thanks Chance
Carlie Barton
Loans
Loans, in plain words
A short explanation of each. No rates here.
Home purchase loans in Gilbert and Queen Creek, AZ
Financing for the home you are buying.
Refinancing in Gilbert and Queen Creek, AZ
Replace the loan you have with one that fits today.
Conventional loans in Arizona
The loan most buyers use, with many lenders competing for it.
VA loans in Arizona
Thank you for your service. For eligible veterans, service members, and surviving spouses.
FHA loans in Arizona
A government-backed loan many first-time buyers ask about.
Jumbo loans in Arizona
For loan amounts above the conforming limit.
First-time home buyer loans in Arizona
A plain walk through your first mortgage.
Home equity lines
Borrow against the home you own, as you need it.
USDA loans in Arizona
For homes in eligible rural and suburban areas, with household income limits.
Down payment assistance
Programs that can lower the cash you need up front.
Non-QM loans
Bank statement, DSCR, and other loans for income that does not fit a standard file.
Adjustable-rate mortgages in Arizona
A rate that holds for the first years, then can change.
Apply
Ready to apply?
Three steps from here to a written answer.
Apply
Fill out the secure application. You can save and come back.
Documents
Upload pay stubs, bank statements, and ID when the application asks.
Approval
A loan officer reviews your file and tells you in writing what comes next.
You will finish on Howard Funding's secure application.
- The application asks for your Social Security number and documents, on its own secure system.
- This website never asks for them.
- This is not a commitment to lend or lock a rate.
Questions
Good questions
Not here? Call (480) 297-8855.
What is Howard Funding LLC?
Howard Funding is a mortgage brokerage in Gilbert, Arizona, led by Chance Howard. We help buyers, refinancers and investors with Conventional, FHA, VA, USDA, Jumbo and non-QM loans, using a network of wholesale lenders.
Why should I use Howard Funding?
Read our clients' words on our reviews page, and see every review on our Google listing. Because we are a broker, we shop a network of wholesale lenders for every loan, so you see more than one lender's options. You work with Chance from your first call to closing.
How safe is Howard Funding?
This website never asks for your Social Security number or bank details. When you apply, you do it on Howard Funding's own secure application, and we use what you share only to get you a loan.
How competitive are Howard Funding's rates?
Rates change daily and depend on your situation. Start your application online or call (480) 297-8855, and we will show you today's options from our lender network.
Licenses
Where we are licensed
| State | License | Number | Record |
|---|---|---|---|
| Arizona | Mortgage broker | MB-1035983 | Check this license Arizona MB-1035983 (opens in a new tab) |
Mortgage broker only, not a lender.
Each link opens the official license record in a new tab.
Members of
AIME
Lender network
The process
How a loan moves
Talk
A short call about your goals, your timeline, and the kind of home you want. Ask us anything.
Apply
You fill out the application online. It asks for your Social Security number and documents, and we give you a clear list of what to send.
Compare
We compare lenders for your loan and show you the options side by side, with the tradeoffs explained.
Close
We stay with you through appraisal, underwriting, and signing, and keep you posted at each step.
Areas we serve
Where we lend
Contact
Say hello
Send a note and we’ll get back to you soon.
- Call or text(480) 297-8855
- Emailchance@howardfunding.com
- Office4365 E Pecos Rd #108, Gilbert, AZ 85295
- Hours
- Monday–Friday: 8 AM – 6 PM
- Saturday: By appointment