Transparency
You see the real costs, the real trade-offs, and how a broker gets paid, explained in plain English before you commit to anything.
Meet Chance Howard
The founder behind Howard Funding, an independent Arizona mortgage broker built on straight answers, real availability, and getting you the right loan for your goals.
The Person Behind The Loan
A broker who works for you, not a bank
Chance Howard is the founder and owner of Howard Funding LLC, an independent mortgage broker based in Gilbert, Arizona. Around the Valley, a lot of people just know him as "Chance The Lender."
Chance built Howard Funding around a simple idea: the person arranging your mortgage should be on your side, easy to reach, and honest about every number. As an independent mortgage broker rather than a single bank, he can shop many wholesale lenders on your behalf and bring back the option that actually fits your situation, instead of forcing your file into one lender's box.
That means straight talk, no runaround, and a real human who picks up the phone. Whether you're buying your first home in the East Valley, refinancing, or exploring what you can qualify for, Chance's job is to make the process clear and get you to the right loan for your goals.
Why Work With A Broker
Three things you can count on
A broker's advantage isn't only pricing, it's how you're treated from the first call to the closing table.
Advocacy
Your loan goes out to many lenders so they compete for it. Chance negotiates on your behalf to find more ways to qualify and a sharper deal.
Availability
No call centers and no runaround. You work directly with Chance and a small local team, call or text and get a real answer.
- Shop, don't settle. Your loan should be compared, not assumed.
- Explain the jargon. You should understand every term you sign.
- Answer the phone. Real access to your lender, when it matters.
- Close on time. Contract dates are promises, not suggestions.
What I Believe
A mortgage should feel simple and fair
The financing part of buying a home has a reputation for being confusing and stressful. It doesn't have to be.
- You deserve to know exactly what you're paying and why.
- The right loan is the one that fits your life, not just today's headline rate.
- Being reachable is part of the job, not a bonus.
- Local knowledge of the Arizona market makes a real difference.
The Facts
Howard Funding LLC at a glance
Licensing
NMLS #2327545
AZ Mortgage Broker License #MB-1035983
Gilbert Office
4365 E Pecos Rd #108
Gilbert, AZ 85295
Serving Arizona
The East Valley and all of Arizona
Mon–Fri 8am–6pm · Sat by appointment
Our Mission
The right loan, made simple.
Howard Funding exists to give Arizona buyers and homeowners an honest advocate who shops the market for them, explains every option, and stays reachable from the first question to the final signature.
Let's talk about your goals
Ready to see what fits you?
Whether you're buying, refinancing, or just weighing your options, Chance will give you a straight answer, fast, no pressure and no obligation.