Chance StevensMortgage Loan Originator · Santa Clarita, CANMLS 2529600 · American Family Funding

Santa Clarita · Home loans

Know what you can actually buy. Before anyone runs your credit.

A few quick taps. I write you back personally: what you can afford, which programs fit, and whether a new build is closer than you think.

Start the Readiness Read Book a discovery call

No credit pullA few quick taps · 2 minutes · answers stay private

NMLS 2529600American Family FundingEqual Housing LenderIllustrative imagery

Tap your goal

Which one is you?

One tap sets up the Readiness Read below. Every door here is a home loan I write.

First home

Find out where you stand before anyone runs your credit.

Tap to lock it in 02

Moving up

Sell first or buy first? Get the sequence straight.

Tap to lock it in 03

Refinance

Only when the math says so. Rate, cash-out, streamline.

Tap to lock it in 04

HELOC

Tap your equity and keep your current first mortgage.

Tap to lock it in 05

Self-employed

Bank statement, P&L and full-doc paths.

Tap to lock it in 06

Investor / DSCR

DSCR, house-hack, bridge, 1 to 4 units.

Tap to lock it in 07

Veterans (VA)

You earned this benefit. Use it.

Tap to lock it in 08

New construction

Builder lender vs your own, incentives, the real payment.

Tap to lock it in

How this works

The truth about the first few questions.

Three steps. No phone number required.

Tap through a few quick questions

Two minutes, no credit pull, no documents. A rough picture is all I need.

I write your read — personally

No algorithm, no score. A plain-English note on where you stand and the exact moves that would change it. Within one business day, usually same-day.

We talk only if you want to

No call unless you ask for one. If now isn't the time, the read tells you what to work on — free either way.

Start here · The Readiness Read

A few taps. One honest read.

Gut answers are fine — this just gives me enough to write something useful.

Step 1No credit pull

Progress0% there

Why I ask

This just points me to the right questions. Nothing here is shared or sold.

What brings you here today?

Pick the one that fits best.

Last step

Two fields. I write the read myself and it lands within one business day.

Nice. Where should I send your read?

✓

It’s on the way.

Watch your inbox — your readiness read arrives within one business day, usually same-day. No call unless you ask for one.

Book a time instead

Loan programs

Twelve ways in. One straight answer.

Santa Clarita, Los Angeles County, Southern California and statewide. Pick what fits your situation.

Conventional loans

Good credit, steady income, as little as 3% down for qualifying first-time buyers. Mortgage insurance drops off as you build equity.

FHA loans

3.5% down with a 580+ credit score and more flexible debt-to-income rules. Built for first-time and credit-rebuilding buyers.

VA loans

$0 down and no monthly mortgage insurance for eligible veterans, active-duty service members and some surviving spouses.

Jumbo loans

Loan amounts above $1,249,125 in LA County. Common in Valencia, Stevenson Ranch and most of coastal and westside LA.

Refinancing

Lower your rate, drop mortgage insurance, shorten your term or take cash out. I only recommend it when the break-even math works.

HELOCs

Borrow against your equity without touching the low rate on your first mortgage.

Self-employed & bank statement

Qualify on bank deposits instead of tax returns when write-offs make your income look smaller than it is.

Investor & DSCR

Qualify on the property's rent, not your personal income. Rentals, short-term rentals, 2 to 4 units.

New construction

Builder incentives, long rate locks and preferred-lender math for the new communities in the Santa Clarita Valley.

First-time buyers

The 90-day credit prep, real monthly cost and down payment assistance options, step by step.

Move-up buyers

Buy before you sell, bridge options and how to keep from carrying two mortgages longer than you have to.

Not ready yet?

Get a 6, 12 or 18-month plan to get mortgage-ready, built around your credit and savings.

Let’s talk numbers: 4.9★ on Google.

Backed by

Every loan I write is processed and underwritten through American Family Funding, a Santa Clarita Valley lender rated 4.9★ on Google across 200+ reviews.

Read the reviews

4.9★American Family Funding on Googleas of October 2026

2minto finish it. No credit pull.

1business day at most for your written read. Usually same-day.

Not buying right now?

Three other ways I can be useful.

Own a home?Keeps your rate

HELOC — tap equity, keep your rate

If you locked a low rate a few years back, a cash-out refi would torch it. A HELOC leaves your first mortgage alone and opens a line against the equity your home has built — for a remodel, knocking out higher-interest debt, or the down payment on the next place. You draw only what you use.

See what your equity could do

✓

Got it.

I'll send back a plain-English look at your HELOC options — usually within 24 hours.

Already have a quote?

Second Opinion

Send me your Loan Estimate and I'll flag junk fees, bad math, and lock-timing issues — then tell you straight if your lender's deal is solid. If I can't beat it, I'll say so.

Get a second set of eyes

✓

Got it.

I'll review your numbers and send a plain-English read, usually within 24 hours.

Waiting on rates?

Refi Watchlist

Name the rate that would make a refi worth the paperwork. When the market hits it, I send one email — no weekly spam, no "just checking in."

Put a rate on the watchlist

✓

You're on the watchlist.

One email when your target rate is in range — nothing else.

Financing a new build

Buying new in Santa Clarita? Get the real math first.

Builder-lender comparisons, rate locks stretched across a long build, incentive math, and a payment that includes HOA and Mello-Roos. I track every active new-build community in the valley, and on the real-estate side I represent new-construction buyers too.

Financing a new build Read the SCV guide

What's really on the receipt.

A new-build payment can include

Principal and interest$ ———
Property taxes$ ———
Mello-Roos (CFD)$ ———
HOA$ ———
Homeowner's insurance$ ———
Builder-lender incentivecompare it

Your real monthly numberin your read

NMLS 2529600 · DRE 02245979

About Chance

I help families finance the home they're actually trying to build.

Mortgage loan originator and new-construction specialist for the Santa Clarita Valley and greater LA County. Most people I meet have already been pitched at and rate-shopped, so I lead with answers instead. I track every active new-build community in the valley — all seven — down to pricing and incentives.

01
Listen first, structure second.
The loan follows your timeline, family, and risk tolerance — never the other way around.
02
Plain English, every time.
If I can't explain a loan in two non-jargon sentences, I'm not doing my job.
03
An honest "no" beats a convenient "yes."
If your current lender's deal is better than mine, I'll tell you. The relationship outlasts any single transaction.

Off the clock: husband, dad to a one-year-old, and outnumbered by three huskies.

Read the full story

Realtors, builders and CPAs

Working a file together?

How I work with referral partners, and the RESPA line I don’t cross.

For partners

Which one is you?

First home

Moving up

Refinance

HELOC

Self-employed

Investor / DSCR

Veterans (VA)

New construction

The truth about the first few questions.

Tap through a few quick questions

I write your read — personally

We talk only if you want to

A few taps. One honest read.

What brings you here today?

Nice. Where should I send your read?

It’s on the way.

Twelve ways in. One straight answer.

Conventional loans

FHA loans

VA loans

Jumbo loans

Refinancing

HELOCs

Self-employed & bank statement

Investor & DSCR

New construction

First-time buyers

Move-up buyers

Not ready yet?

All home loans

Santa Clarita

Los Angeles

California

Let’s talk numbers: 4.9★ on Google.

Three other ways I can be useful.

HELOC — tap equity, keep your rate

Got it.

Second Opinion

Got it.

Refi Watchlist

You're on the watchlist.

Buying new in Santa Clarita? Get the real math first.

What's really on the receipt.

I help families finance the home they're actually trying to build.

Working a file together?