Chandler Mortgage Lender

As an independent mortgage broker licensed in Arizona, Bayview Residential Brokerage helps Chandler buyers and homeowners shop the whole market instead of a single bank's rate sheet. Chandler is one of the East Valley's most sought-after cities, with a strong technology economy, top-rated schools and popular master-planned communities. We match each borrower with the lender and program that fits, then handle the loan from pre-approval to closing.

Below is a plain-English guide to financing a home in Chandler in 2026: the local market, loan limits, the programs that apply, and the neighborhoods we serve.

The Chandler housing market in 2026

Chandler runs a bit stronger than much of the Valley, supported by high-wage technology jobs. As of mid-2026 the median Chandler home price is around $540,000, up roughly 2.9% year over year. A major Intel presence and a cluster of semiconductor and tech employers bring steady demand from well-qualified buyers, and the city's master-planned neighborhoods and strong schools keep families competing for homes.

At this price point most buyers use conventional financing, and higher-end pockets can push into jumbo territory. Getting matched with the right lender and locking a competitive rate matters even more when incomes and prices are higher, which is where a broker helps.

Loan programs for Chandler buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers.

FHA loans. A lower 3.5% down payment and flexible qualifying, popular with first-time and credit-building buyers. The 2026 FHA limit in Maricopa County is $557,750 for a single-family home.

VA loans. Eligible veterans and active-duty service members can buy in Chandler with a zero-down VA loan. Zero down payment and no monthly mortgage insurance for those who qualify.

USDA loans. Zero-down financing for eligible rural communities near the metro, for buyers within the income limits.

Jumbo loans. Financing above the $832,750 conforming limit for higher-priced homes. In Chandler this applies in upscale communities such as Ocotillo and Fulton Ranch.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Down payment assistance for Chandler buyers

Arizona offers real help with the down payment. The statewide HOME+PLUS program pairs a 30-year fixed mortgage with down payment and closing-cost assistance of up to 5% of the loan amount. Typical guidelines include a household income under about $112,785, a minimum credit score of 640, and a short homebuyer education course before closing, and it works with conventional, FHA, VA and USDA loans. Depending on where in Chandler you buy, additional city or county programs may also apply. We check which programs fit your income and credit, and coordinate the assistance with your loan.

Buying across Chandler

Chandler blends master-planned living with an active downtown. Ocotillo is known for its lakes and upscale homes, where jumbo financing sometimes applies, and Fulton Ranch offers a similar higher-end feel. Downtown Chandler has become a lively dining and entertainment hub with a mix of housing, while Sun Lakes to the south is a well-established active-adult community. We tailor the loan to the neighborhood and property type.

How the process works with Bayview

1. Pre-approval. We review your income, credit and goals, then issue a pre-approval so you can shop with confidence and make strong offers.

2. Shop and compare. Once you are under contract, we shop your loan across our lender network and bring back the most competitive fit on rate and fees.

3. Underwriting. We manage document collection and work the file through underwriting, keeping you and your agent updated.

4. Closing. Most purchases close in about 30 days from contract. You sign, fund and get the keys.

Refinancing your Chandler home

Already own in Chandler? Refinancing can lower your rate or payment, shorten your term, or let you tap equity through a cash-out refinance for a remodel or to consolidate debt. With how much Valley home values have risen over the past several years, many local homeowners have more usable equity than they realize. We run the numbers both ways and only recommend a refinance if it actually moves you forward.

Chandler mortgage FAQs

What is the 2026 conforming loan limit in Chandler?

For 2026 the conforming limit in Maricopa County is $832,750 for a single-family home. Loans above that are jumbo loans.

How much do I need for a down payment in Chandler?

Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA can allow zero down for eligible buyers.

Do you offer FHA and VA loans in Chandler?

Yes. FHA (2026 Maricopa limit $557,750) and VA loans for eligible borrowers, along with conventional, jumbo and reverse mortgages.

What down payment assistance is available in Chandler?

Arizona's HOME+PLUS program offers up to 5% in assistance for qualified buyers, and other local programs may apply.

Are property taxes high in Chandler?

No. Arizona assesses residential property at 10% of full cash value, and Maricopa County effective rates generally fall below the national average.

How long does it take to close in Chandler?

Most purchase loans close in about 30 days once you are under contract.

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Nearby cities we serve

Gilbert  ·  Tempe  ·  Mesa  ·  Phoenix
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Plan your numbers

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