Matt Kelchner, Rocket Mortgage

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Matt Kelchner, Rocket Mortgage

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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 solutions—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.

10/31/2026

🏡 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

10/30/2026

🏡📉 MORTGAGE RATES ARE MOVING LOWER… AND ROCKET MORTGAGE HAS A WAY TO HELP YOU SAVE EVEN MORE! 🚀

Good news for homebuyers! Mortgage rates have dipped to multi-week lows, with Mortgage News Daily reporting the national 30-year fixed-rate average at 7.29% as of October 29th!

While rates are still higher than we’d all like, there’s an opportunity that many buyers may be overlooking. 👀

🔥 Rocket Mortgage’s FREE 1-0 Temporary Rate Buydown!

Here’s how it works:

✅ Year 1: Enjoy an interest rate that’s 1% LOWER than your qualifying note rate.

✅ Years 2–30: Your rate returns to the original fixed rate for the remainder of the loan.

✅ Lender-Paid Benefit: Rocket covers the cost of the temporary buydown on eligible loans!

💰 What could that mean for your monthly payment?

Let’s say you purchase a $450,000 home with 5% down and qualify for a 6.75% fixed interest rate.

🏠 First Year at 5.75%: Approximately $2,495/month

🏠 Years 2–30 at 6.75%: Approximately $2,773/month

💵 That’s approximately $278 in monthly savings during your first year — or over $3,300 in total first-year savings!

And here’s the best part: You’re getting that first-year payment relief without having to pay for the temporary buydown yourself!

📲 The takeaway? You don’t necessarily have to wait for mortgage rates to drop another full percentage point to benefit from a lower initial payment.

Whether you’re buying your first home, upgrading, or relocating, let’s explore how to make today’s market work in your favor!

📩 Message me “BUYDOWN” and I’ll show you what your potential savings could look like.

— Matt Kelchner, your go-to mortgage banker in Arizona, Tennessee, and North Carolina for over 25 years

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

10/29/2026

Read the full article to stay in the know

10/28/2026

There is the version of this job where I answer your question carefully, and there is the version where I tell you what I would tell a friend.

The careful version is technically correct. The friend version is the one that keeps you comfortable after you move in.

The friend version sounds like this: just because the letter says you can borrow it does not mean your life can afford it.

That “free” lender credit has a price, it is just paid monthly.

None of that is rude. It is just the part people do not always hear, because “you’re approved” is the easier thing to say.

Send me your price range and I will give you the friend version of your numbers.

— Matt Kelchner, your go-to mortgage banker in Arizona, Tennessee, and North Carolina for over 25 years

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

10/28/2026

Documents are in. The appraisal is scheduled. Everything is on track. Then someone says “oh, I forgot to tell you something” and my whole face does this.

It could be nothing. It could be a new car, a job change, a surprise deposit or a cousin’s loan you co-signed two weeks ago.

Here’s the secret: I’m not scared of the thing. I’m scared of hearing about it the day before closing. Tell me early and almost everything has a fix.

— Matt Kelchner, your go-to mortgage banker in Arizona, Tennessee, and North Carolina for over 25 years

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

10/28/2026

The list of people who know the real version of you is short.

Your barista knows the order. Your bartender knows what kind of week it has been. Your hairdresser knows the thing you have not said out loud to anyone else.

And somewhere around the second bank statement, your mortgage banker quietly joins that list. I end up knowing the subscription you forgot to cancel, the deposit that will need a paper trail, and the monthly payment that makes your stomach drop.

That is not oversharing. That is the job. Nobody gets a solid pre-approval from the polite version of their finances, and I would much rather see it all now than have an underwriter find it the week you close.

So if you are still in the polite version stage, send me a message and let’s look at the real numbers together.

— Matt Kelchner, your go-to mortgage banker in Arizona, Tennessee, and North Carolina for over 25 years

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

10/27/2026

Here is the part actually worth saying out loud: all of that is what the job looks like when it is going well.

Closing feels easy because somebody caught the missing page early, asked about the deposit before underwriting did, and already explained escrow twice so it was not a surprise on closing day.

It looks like paperwork and small talk. It is really just preparation happening in public.

If you are buying this fall, send me a message. I will handle the sideways bank statements.

— Matt Kelchner, your go-to mortgage lender in Arizona, Tennessee, and North Carolina

10/19/2026

🛑 STOP before you look into a HELOC!

Most homeowners think a Home Equity Line of Credit (HELOC) is the only way to pull cash out of their home.

The truth? It usually isn’t necessary, and for most people, there are far simpler ways to do it.

With other methods, you can access $150K+ in home equity without the typical hassle:

✅ No new line of credit needed
✅ No changes to your current mortgage
✅ No refinancing and zero BS
✅ The funds land directly in your account—not your lender’s pockets

If you’re looking for an easier, less stressful way to unlock your home’s value, don’t rush into a long-term debt cycle. Explore your options first!

👉 DM or call to find the best way to access the funds you need.

FinancialFreedom

10/19/2026

Why?

Your mortgage statements, escrow notices and homeowners insurance renewals all land in one place.

Your closing documents, appraisal and inspection report are one search away, which you’ll want if you ever refinance.

Property tax bills, utility accounts and appliance warranties stay organized from day one.

Contractor quotes, invoices and receipts from every project live together.

If you sell someday, the home’s whole history is ready to hand over.

Your personal inbox gets to be personal again.

It takes a few minutes to set up and saves you a lot of digging later.

Save this for the day you get the keys.

#[City]HomeLoans

— Matt Kelchner, your go-to mortgage banker in Phoenix, AZ

Reach out anytime.

⬇️⬇️⬇️⬇️⬇️⬇️⬇️
MattsYourLender.com

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

HomeLoanExpert

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

10/16/2026

Yes, I rank everything like a loan. Halloween never stood a chance.

Full size bar people, you want one payment for 30 years and you never want to think about it again.

Fun size people, you figured out that getting in the door beats waiting for perfect.

Candy corn people, you’ve been defending your choices since kindergarten, and as long as you have a plan for when that rate adjusts, respect.

Raisin people, everyone else assumed they didn’t qualify and you actually asked. Secretly a superpower.

Tell me which one you’re shopping for and I’ll run the numbers for you.

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

— Matt Kelchner, your go-to mortgage banker in Phoenix, AZ

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

http://MattKelchner.com/

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