Empowering Buyers and Investors
Discover customized mortgage solutions, expert guidance, and personalized services designed for your home financing needs.
Solutions for Homebuyers and Homeowners
With access to over 270 residential and commercial lenders, our mission is to help families and real estate investors achieve generational wealth through homeownership.
Whether you're looking to refinance for a more affordable mortgage, purchasing your very first home, or building your real estate empire, we look forward to working with you to provide a custom tailored solution that fits your financing needs.
Leading the Best Loan Company
Car Loan
Drive home your dream vehicle with our tailored financing options and competitive rates.
Wedding Loan
I do' to your dream celebration with our flexible and convenient wedding financing solutions.
Property Loan
Unlock the door to your dream home or investment property with our customized mortgage options tailored to your needs.
ALL-IN-ONE SOLUTION
Our Loan Process...
STRATEGY CALL
Have a strategy consultation call with our experts.
PRE-APPROVAL
Getting pre-approved for a loan make your home buying experience easier.
SHOP
Begin working with a real estate agent and start looking at homes.
LOAN PROCESSING
Gather all the important documents and information for the underwriter.
UNDERWRITING
They carefully review all the documents in the loan package.
CLOSING
The documents are prepared and sent to the title company for closing.
Get your mortgage rate quote in only 30 seconds!
Mortgage rates change every day, and your rate will depend on where you live, your
finances, and other factors. Get your FREE personalized rate comparison below:
SPurchase
Your Home
It's always a great time to buy! We'll help you apply for, compare, and choose a home loan that makes your dream home affordable.
Refinance for
Better Rates
Lower your monthly payment, reduce the interest you pay over the life of your loan, or both! How will you use the extra money we help you save?
Compare Rates &
Pick the Best
You wouldn’t take the first offer at a car lot, so don’t settle for your first mortgage offer. Our access to over 270 lenders help us find the best terms for you.
Get Your Loan
Funded Faster
Are other lenders making things difficult? Our quick funding options ensure you won’t miss out on the home you really want. We work efficiently, and we hope you'll choose to work with us!
Evaluate Your
Property
Know your position. With an updated property evaluation, you'll be better prepared to choose loan terms that match your goals.
Get a Cash-Out
Refinance
Make the most of your home's equity with a cash-out refinance and let your home loan work for you. Pay off credit card debt, finance home improvements and more!
Frequently Asked Questions
1. Can I get pre-approved for a mortgage?
Yes, pre-approval is recommended. It shows sellers that you’re a serious buyer and gives you a clear budget. Pre-approval involves a credit check and verification of income and assets.
2. What are closing costs, and how much should I expect to pay?
Closing costs are fees paid at the finalization of the mortgage. These typically range from 2% to 5% of the home’s purchase price and cover expenses like appraisal fees, title insurance, and legal fees.
3. Can I pay off my mortgage early?
Many loans allow for early payment with no penalty, although some have prepayment penalties. Paying off your mortgage early reduces the amount of interest you pay over the life of the loan.
4. What is Private Mortgage Insurance (PMI), and will I need it?
PMI is required if your down payment is less than 20% of the home’s price. It protects the lender in case of default. PMI can be removed once you have enough equity in the home.
5.What is the minimum credit score required to qualify for a mortgage?
Most lenders require a minimum credit score for mortgage qualification, though this may vary depending on the loan type. Generally, a score of 620 is needed for conventional loans, but other loan types may have different requirements.
Get The Expert Mortgage Guidance You Need
100% Secure. We value your privacy.
By submitting your email and phone number in the form(s) on our site, you give consent to receiving occasional emails and SMS text messages about special offers, or other information, from us.
License Info
NMLS: 1064309
Company NMLS: 1660690
Explore
Copyright © 2025 | Mitch Chang Mortgage | All rights reserved
Website Designed & Powered By: Goat Genie
All product names, logos, and brands are property of their respective owners.
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice.
All products are subject to credit and property approval.
Other restrictions and limitations may apply.
NMLS # 1064309 | AZMB #0944059
Corporate Address : 3100 W Ray Rd STE 201, Office 209 Chandler, AZ 85226