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 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.

Mortgage advice online can sound very confident.Then a buyer tries the tip and finds out their loan program, credit, deb...
09/02/2026

Mortgage advice online can sound very confident.

Then a buyer tries the tip and finds out their loan program, credit, debts, state rules, or cash reserves tell a different story.

That does not mean every tip is wrong. It means the smartest move is the one that has been tested against your actual numbers.

Save this before you make a mortgage decision based on one viral slide.

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

09/01/2026

Here is the part buyers are rarely told at the dealership.

Mortgage approval looks at monthly debt, not just whether you can afford the car today. A new car payment can raise your debt ratio, lower the home price that fits, or change the loan options available to you.

The safest move is simple: let your mortgage broker run the numbers before you sign for the car.

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

08/28/2026

A “your mortgage was transferred” letter can make a homeowner wonder whether their entire loan just changed.

Here’s an important distinction: Rocket Mortgage typically services the loans we originate, which means many Rocket clients continue making their payments directly to Rocket. However, servicing can sometimes be transferred depending on the loan and circumstances.

If your mortgage servicer does change, your existing loan terms don’t automatically change. Your interest rate, remaining term, and principal balance remain governed by your mortgage agreement.

If you receive a servicing transfer notice:

* Read the notice carefully.
* Confirm the effective date.
* Verify the new servicer and payment information through official channels.
* Update autopay only after confirming the information.
* Keep copies of both the old and new servicing notices.

A change in who collects your payment does not mean you suddenly have a different mortgage.

Save this for later — and send it to a homeowner who needs to see it.

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

08/28/2026
Before assuming a rural property will finance like every other home, ask about:Well and water requirementsSeptic conditi...
08/28/2026

Before assuming a rural property will finance like every other home, ask about:

Well and water requirements
Septic condition and inspections
Private-road access or easements
Utilities
Appraisal considerations
Property repairs or unique features
The intended loan program
Requirements can vary by property and location.

Send this to someone dreaming about country living.

08/25/2026

Before buying a multi-unit property, review two separate numbers:
 
1. What rental income may be eligible for the mortgage file
2. What rent you personally feel safe using in the monthly budget
 
Do not build the plan around some social-media rent estimate that has not been reviewed.

Check the property type, occupancy, loan program, appraisal, and likely expenses first.

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

Retirement income may arrive differently from a traditional paycheck, but that does not mean a home purchase is automati...
08/21/2026

Retirement income may arrive differently from a traditional paycheck, but that does not mean a home purchase is automatically off the table.

The review may include Social Security, pensions, eligible distributions, or certain assets, depending on the file and loan program.

The important part is understanding both what may qualify and what payment still feels comfortable.

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

08/20/2026

For a cleaner earnest money paper trail:
 
1. Pay from an account that can be documented
2. Keep the receipt or transfer confirmation
3. Save the canceled check when applicable
4. Tell the mortgage professional before using funds from another person
 
Third-party funds may require additional documentation, so ask before the deadline forces a rushed decision.

Save this before submitting your deposit.

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

08/14/2026

The Venmo memo says “rent” and suddenly we are calling it income. 😅

Seeing money deposited into your account does not automatically make it qualifying mortgage income.

A lender may still need to verify:
Where the money comes from

Why you receive it

How consistently you receive it
Whether it meets the loan program’s guidelines

So no, adding 🏠 💵 to the memo line will not turn random transfers into a pay stub.

Send this to the friend whose Venmo history looks like a second job.

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

08/13/2026

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:
We
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:

1. Your last day at the current job
2. Your closing date
3. Your first day at the new job

Coordinate the employment timeline with your mortgage broker before you give notice, schedule the move, or lock in closing.

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

Address

2301 S Stearman Drive
Chandler, AZ
85286

Website

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