Better pricing
Wholesale lenders price sharper than retail. We negotiate on your behalf and pass the savings through to your rate and closing costs.
Independent Mortgage Broker · Queen Creek, AZ
Home loans done right.
As an independent mortgage broker, Howard Funding shops dozens of wholesale lenders for you, so you get a better rate, lower fees, and a real human who answers the phone. Serving Gilbert, Queen Creek, and all of Arizona.
40+ wholesale lenders
Fast response times
Wholesale rates
New to this? See how pre-approval works
5-star rated local lender · Chance "The Lender" Howard
40+
Wholesale lenders shopped
10+
Loan programs offered
$0
Down payment options
5★
Client-rated service
The Broker Advantage
A bank has one set of rates. We have dozens.
Big banks and retail lenders can only sell you their own products. As an independent mortgage broker, Howard Funding puts your loan out to a marketplace of wholesale lenders and brings back the best fit, often at a lower rate and cost than you'd get on your own.
More ways to qualify
Self-employed, new to credit, or bruised score? With many lenders and programs on the table, we find the path that fits your real situation.
A guide, not a call center
You work directly with Chance and a small local team from pre-approval to keys-in-hand. Text him a question at 8pm and get a real answer.
Loan Programs
Whatever you're financing, there's a fit
From first homes to forever homes to tapping your equity, explore the programs Howard Funding offers across Arizona.
Home Purchase
Conventional, low-down, and move-up financing to get you into your next home.
Learn moreRefinance
Lower your rate, drop mortgage insurance, shorten your term, or take cash out.
Learn moreZero-Down Purchase
Buy with little to no money down through our down-payment and 100% financing options.
Learn moreFHA Loans
As little as 3.5% down with flexible credit guidelines, great for first-time buyers.
Learn moreVA Loans
$0 down, no monthly mortgage insurance, and strong rates for veterans and service members.
Learn moreUSDA, Jumbo, Reverse & more
Rural 100% financing, high-balance jumbo loans, ARMs, and reverse mortgages for 62+.
See all programs
The Rate Advantage
Wholesale rates, not retail markups.
A bank can only sell you its own rate. As an independent mortgage broker, we put your loan in front of more than 40 wholesale lenders and let them compete for it, so you get a sharper rate and lower costs than any single retail bank can offer.
- Wholesale pricing from 40+ competing lenders
- Lenders bid for your loan, you get the winner
- Lower overhead than the big banks, passed on to you
- Every file shopped, never a single take-it-or-leave-it quote
How It Works
A simpler path to the keys
No jargon, no runaround. Here's exactly how your loan goes from "just looking" to "just moved in."
Get pre-approved
A quick application and a soft look at your finances tells us your real budget and hands you a pre-approval letter agents and sellers respect.
We shop your loan
Howard Funding puts your file in front of dozens of lenders and brings back the best combination of rate, fees, and program.
Process & underwrite
Our local team gathers documents, orders the appraisal, and manages underwriting to keep your closing on schedule.
Close & celebrate
You sign, we fund, and you get the keys. Then we stay in touch to watch for future savings.
Plan With Confidence
Know your numbers before you shop
Our free mortgage calculator estimates your full monthly payment, principal, interest, taxes, insurance, and HOA, so you can house-hunt with a real budget in mind.
- Adjust price, down payment, rate, and term instantly
- See a full payment breakdown, not just principal & interest
- Then get a real pre-approval to lock in your numbers
Client Reviews
Arizona homeowners love working with Chance
Rated 5 stars by clients across the Valley.
"Chance made our first home purchase painless. He explained every step, answered texts at all hours, and got us a better rate than our bank quoted."
JMJessica & MarkGilbert, AZ
"We refinanced and dropped our payment significantly. Chance was upfront about costs and there were zero surprises at closing. Highly recommend."
DRDavid R.Queen Creek, AZ
"As a veteran, the VA process felt overwhelming until Chance walked me through it. $0 down, smooth close, and he genuinely cared. Can't thank him enough."
TSTony S.Mesa, AZ
Serving Arizona
Your local mortgage broker in the East Valley & beyond
Based in Gilbert, Howard Funding helps buyers and homeowners across the Phoenix metro and statewide. Licensed to lend throughout Arizona.
Gilbert
85233 · 85234 · 85295 · 85296 · 85297 · 85298
Queen Creek
San Tan Valley · Ironwood Crossing
Chandler
Ocotillo · Fulton Ranch · Downtown
Mesa
Eastmark · Las Sendas · Red Mountain
Also serving Tempe, Scottsdale, Apache Junction, Maricopa, and all Arizona communities.
Whether you're buying your first home, moving up to a bigger one, or refinancing to lower your payment or tap equity, Howard Funding has a program and a lender for it.
Common Questions
Answers before you apply
What's the difference between a mortgage broker and a bank?
A bank can only offer you its own loan products at its own rates. As an independent mortgage broker, Howard Funding works with dozens of wholesale lenders and shops them against each other for your loan, which often means a lower rate, lower fees, and more programs to qualify under.
How much do I need for a down payment?
Less than most people think. Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA loans offer $0 down for eligible buyers. We also work with down-payment assistance programs. See our zero-down options.
Will getting pre-approved hurt my credit?
Getting started won't. We can review your situation and give you a real budget before any hard credit pull. When you're ready to move forward, a credit check has only a minor, temporary effect on your score.
How long does it take to close?
Many of our purchase loans close in about 3–4 weeks, and refinances often faster. Timing depends on the program, appraisal, and how quickly documents come together, and keeping you on schedule is exactly what our local team is built to do.
Do you charge fees to work with a broker?
No, you don't pay us. We are paid directly by the lender. Our compensation is fully disclosed in your loan documents, so you'll always see exactly how it works. This is not a commitment to lend.
Ready when you are
Let's find your best loan, free.
Get a no-obligation pre-approval or just ask a question. Chance will give you a straight answer, fast.