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.

06/10/2026

Taking over a seller’s low interest rate sounds like the kind of thing every buyer would want.

And sometimes, it can be a real opportunity.

But it is not magic.

You still have to qualify with the lender, and if the home is worth more than the seller’s loan balance, you may need to cover that difference with cash, another loan structure, or a plan that actually works.

That is the part buyers miss when they only hear “low rate.”

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

06/09/2026

A $10,000 seller credit is not automatically a $10,000 win.

It depends how it is used.

In some situations, it may make more sense to apply it toward closing costs.

In others, using it toward a rate buydown could help the monthly payment.

And sometimes the best answer depends on how long you plan to stay in the home, how much cash you want left after closing, and what your lender allows.

That is why the strategy matters.

Before you agree to a seller credit, ask how it actually changes your numbers.

06/07/2026

$10K off the purchase price sounds like the obvious win.

But it depends on what you need most.

$10K off the purchase price:
You’re lowering your loan amount by $10K.

At around a 6.25% rate over 30 years, that could be roughly:
$60 less per month
about $12K saved in interest over time

Sounds great, right?

But here’s the catch…
You still need cash for your closing costs.

So if you’re tight on funds, this may not help you get across the finish line.

$10K toward closing costs:

The price stays the same.

The loan may stay about the same.
But the seller helps cover $10K of your closing costs.

That means more money stays in your pocket at closing.
Yes, you may pay a little more over time.

But you’re not draining your bank account just to get the keys.

So which one is better?

Go with the price reduction if:
you already have cash saved
you want the lower monthly payment
you plan on staying long-term

Go with the closing cost credit if:
you’re tight on cash to close
you want reserves for moving, repairs, or life
you’re okay with a slightly higher payment

The goal is not just getting the keys.
It’s getting the keys and still liking your bank account after.

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

When I review a home loan application, I am looking at more than the documents.I am looking for the things that can affe...
06/04/2026

When I review a home loan application, I am looking at more than the documents.

I am looking for the things that can affect the approval before they become a problem.

Credit limits can reduce borrowing power.

Some income may not count the way buyers expect.

Debts can affect the payment a lender believes you can handle.

Even recent spending patterns can matter when a file needs to be explained clearly.

The earlier we look at these details, the more options we usually have.

 
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

06/03/2026

Before you decide what you can afford, separate the approval number from the comfort number.

A pre-approval can tell you what may be possible.

A full payment conversation helps you understand what actually makes sense in real life.

Here is what I would want you to look at before you start house hunting:

1️⃣ Principal and interest
This is the mortgage payment most buyers think about first.

2️⃣ Property taxes
Taxes can make two homes with the same price feel very different month to month.

3️⃣ Homeowners insurance
Insurance depends on the home, the location, and the coverage you need.

4️⃣ HOA fees
If the home has an HOA, that cost needs to be part of your real monthly budget.

5️⃣ Utilities
Electric, gas, water, internet, and regular household costs still matter after closing.

6️⃣ Maintenance and repairs
Homeownership feels better when you are not surprised by every future expense.

This is why I do not want buyers only asking, “Can I afford this?”

The better question is, “What will this home actually cost me every month, and will that payment still feel comfortable after I move in?”
Save this for later.

Send 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

06/02/2026

A lot of buyers think applying online is the easy route.

And sometimes it is… until the system asks a question you are not sure how to answer, your numbers do not fit neatly in a box, or you choose an option without realizing how it affects your payment.

A mortgage application is not just paperwork. It is a strategy conversation.

The right guidance can help you understand what you qualify for, what your payment may look like, and which loan path actually fits your life.
 
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

05/29/2026

One thing I’ve learned as a mortgage banker:

Most buyers don’t need more confusing mortgage terms thrown at them.

They need someone to slow the process down and explain what everything actually means.

Because “you’re approved” is great…

But do you understand the payment?

The closing costs?
The loan program?
The long-term impact?

Why one option makes more sense than another?

That part matters.

I’ve seen buyers go from overwhelmed to confident simply because someone finally explained the numbers in plain language.

And that’s the experience every buyer deserves.
 
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
 

Buying a house is not always easy.
But neither is waiting with no plan.I talk to a lot of buyers who think they need to ...
05/29/2026

Buying a house is not always easy.
But neither is waiting with no plan.

I talk to a lot of buyers who think they need to keep waiting until everything feels perfect.

Perfect rate.
Perfect savings.
Perfect timing.

But in real life, most people do not buy in a “perfect” situation.

They buy when they understand their options and have the right people helping them make smart decisions.

That is the part many buyers are missing.

Not motivation.
Not desire.
Just clarity.

If you have been wondering whether buying could make sense for you, the first step is not guessing.
It is getting real information based on your situation.
 
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
 

05/25/2026

Thankful for those who served ❤️🤍💙

05/25/2026

Memorial Day weekend has a way of making people think about home differently.

Not just the house itself, but the life happening inside and around it.

The cookouts.
The backyard conversations.
The family photos.
The kids playing outside.
The feeling of having a place where people naturally want to gather.

But here’s the part most buyers skip:

Before you start falling in love with homes online, it helps to understand your numbers first.

Your budget.
Your monthly payment comfort zone.
Your down payment options.
Your closing costs.
What you can realistically qualify for.

Because the memories may start at home, but the home-buying process usually starts with a mortgage plan.

Address

2301 S Stearman Drive
Chandler, AZ
85286

Website

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