Matt Kelchner, Rocket Mortgage

Matt Kelchner, Rocket Mortgage Residential mortgages are our one-and-only focus, we're specialists! Licensed in AZ, NC & TN! NMLS 215996 Arizona is more than my market—it’s my home.
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Leveraging 24+ Years in the Mortgage and Real Estate Industry

Raised in Arizona, I’m proud to be a true native with deep roots in the communities I serve. As a Mortgage Banker with Rocket Mortgage, I combine local expertise with cutting-edge technology to help homebuyers, homeowners, and real estate partners make confident, informed decisions. I specialize in a full range of home financing soluti

ons—including conventional, VA, FHA, jumbo loans, refinancing, and down payment assistance. Whether you're buying your first home, moving up, or tapping into equity, I’m here to make the process smooth, strategic, and stress-free. I understand the local housing landscape because I’ve lived it. That hometown advantage allows me to offer insights that go beyond the numbers and provide real value to my clients and partners. Outside of work, I’m a proud husband, dad to an amazing daughter, and dog dad to our goldendoodle, Kota. I’m passionate about building relationships, supporting my community, and helping others lay down roots right here in the place I call home. Everyone has a story to tell. What they need is someone who will listen, customize a plan to meet their needs, and guide them every step of the way. I look forward to working with you! Matt Kelchner
602-758-3459
Personal NMLS 215996
Company NMLS 3030
Equal Housing Opportunity

Rocket Mortgage LLC: NMLS ID #3030, AZ: 1 N. Central Ave., Ste. 2000, Phoenix, AZ 85004, Mortgage Banker License -0902939. For licensing information go to https://nmlsconsumeraccess.org. Equal Housing Lender. This is not an offer of credit or commitment to lend.

Getting pre-approved can make a condo search feel straightforward. Then the building itself enters the conversation.The ...
08/07/2026

Getting pre-approved can make a condo search feel straightforward. Then the building itself enters the conversation.

The buyer may qualify, but the project can still raise questions around insurance, HOA finances, litigation, condition, or program eligibility.

Send this to someone shopping for a condo.

Questions about buying, financing, or how to structure the best mortgage?

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 


Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

08/05/2026

Buying a home from family can feel simpler because everyone already knows each other.

The financing still needs a clear structure.

A below-market price may create a possible gift-of-equity conversation,  but it does not automatically replace every down-payment or closing requirement.

Before a family sale is written up, coordinate the moving parts:

1. Expected appraised value
2. Agreed sales price
3. How any gift of equity will be documented
4. The loan program being used
5. Mortgage, tax, and legal guidance for the final structure

Send this to someone who needs to see this.

Questions about buying, financing, or how to structure the best mortgage?

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 


Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

08/04/2026

Starting a new job and buying a home at the same time can work.

The part buyers miss is that the lender may need more than the salary listed in the offer.

The offer letter should make the new job clear:

who the employer is, your position, your pay, and your official start date.

If the job still depends on a condition such as a background check or professional license, the lender may need proof that it has been cleared before closing.

The gap between jobs matters too. If your old paycheck stops before the new job begins, the lender may need to confirm that the future income can be used for your loan and that you have enough money to cover the time before the new income starts.

The exact requirements depend on your loan and lender.

Before choosing a closing date, line up:

Your last day at the current job
Your closing date
Your first day at the new job
Coordinate the employment timeline with your mortgage banker before you give notice, schedule the move, or lock in closing.

Save this for later. Send it to someone who needs to see this.

07/28/2026

🏡 Arizona Homeowners: Did you know you may be sitting on thousands of dollars in usable equity?

If you’ve owned your home for a few years, you may have more financial flexibility than you realize.

A Rocket Home Equity Loan lets you access your home’s equity without refinancing your current first mortgage. That means if you have a great interest rate on your mortgage, you may be able to keep it while still putting your equity to work.

Homeowners are using their equity to:
🔨 Remodel their home
💳 Consolidate high-interest debt
🎓 Help pay for college
🏖️ Fund dream vacations
💼 Invest in their future
💰 Build a financial safety net

Why homeowners like it:
✅ Fixed interest rate
✅ Fixed monthly payment
✅ Keep your existing first mortgage
✅ No need to sell your home to access your equity

Every homeowner’s situation is different, so let’s explore your options together. I’d be happy to show you how much equity you may be able to access and whether a home equity loan makes sense for your goals.

📩 Send me a message anytime—I’m here to help.

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 
homebuyingadvice MortgageSpecialist HomeLoanExpert

Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

07/27/2026

This is your relationship test for the day.

Would your partner pick:
a) the bright white kitchen with gold accents?

b) the dark and moody one?
or

c) the huge island where everyone somehow ends up standing during a party?

Tag your partner and see if you actually know.

And if you both somehow pick the same kitchen, that may be your sign to get pre-approved before the house search gets serious.

Questions about buying, financing, or how to structure the best mortgage?

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 


Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

07/24/2026

Here is the simple breakdown:

Lenders use debt-to-income ratio to compare your monthly debts to your income.

That includes things like:

1 – Car payments.
2 – Student loans.
3 – Credit card minimum payments.
4 – Personal loans.
5 – Any other monthly debt showing on your credit.

So if you add a $700 car payment, that payment may reduce the mortgage payment you can qualify for by as much as $100,000 😳

The lender is not approving you based on what you plan to do someday.

They are reviewing what is documented right now.

Before opening a new loan, financing furniture, or changing your debt picture, talk to your mortgage team first.

Save this for later
Send it to someone who needs to see this!

Questions about buying, financing, or how to structure the best mortgage?

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 


Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

Important: this does not mean collections never matter.It means you should not guess before a mortgage application.Befor...
07/24/2026

Important: this does not mean collections never matter.

It means you should not guess before a mortgage application.

Before paying off a collection, ask:

1 – Does this loan program require it to be paid?

2 – Could timing affect the credit score used for mortgage approval?

3 – Would lowering revolving balances help more?

4 – Do we need documentation for the account?

5 – Is there a better order of operations before pre-approval?

07/21/2026

Here is the simple down payment math on a $400,000 home:

3% conventional -> about $12,000 down

3.5% FHA -> about $14,000 down

5% conventional -> about $20,000 down

10% down -> about $40,000 down

20% down -> about $80,000 down

Some buyers may also qualify for VA, USDA, or down payment assistance options, depending on eligibility and location.

But remember: down payment is not the same as total cash to close.

Your full number can also include closing costs, prepaid taxes and insurance, escrow setup, appraisal, title, and other loan-related costs.

I help first-time homebuyers figure out what they can comfortably afford before they fall in love with a house.

That means we look at the budget, the ideal monthly payment, the credit picture, the down payment options, and the right loan strategy before the house hunt gets serious.

Questions about buying, financing, or how to structure the best mortgage?

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 


Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

07/18/2026

If you are thinking about buying, there is usually one thing that feels heavier than the rest.

Maybe it is credit.
Maybe it is the down payment.
Maybe it is the monthly payment.
Maybe it is simply not knowing if you are ready.

The good news is that most of these feel less scary once you stop guessing and look at the numbers.

What you would fix first?

Getting your offer accepted is a huge win.But here’s what many buyers don’t realize…Your mortgage isn’t fully approved u...
07/18/2026

Getting your offer accepted is a huge win.

But here’s what many buyers don’t realize…

Your mortgage isn’t fully approved until you make it to the closing table.

I’ve seen buyers unintentionally put their home purchase at risk by doing things they thought were harmless:

❌ Opening a new credit card
❌ Financing new furniture
❌ Moving money between accounts
❌ Changing jobs
❌ Making large cash deposits
❌ Waiting too long to send requested documents

The good news?

Most of these issues are easy to avoid when you know what to watch for.

If you’re buying a home, ask questions before making any financial changes. A quick phone call today could save your closing tomorrow.

What’s one thing you were told not to do after going under contract? Share it in the comments.

Questions about buying, financing, or how to structure the best mortgage?

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

Matt Kelchner | NMLS 215996
Executive Long Officer
Rocket Mortgage | NMLS 3030
Equal housing lender
 


Phoenix, AZ Mortgage lender
Chandler, AZ Mortgage lender
Scottsdale, AZ Mortgage lender
Mesa, AZ Mortgage lender

Address

2301 S Stearman Drive
Chandler, AZ
85286

Website

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