Mortgage Pre-Approval in Mesa, Chandler & Gilbert

We Have a Team of Licensed and Experienced Arizona Mortgage Loan Officers. Whether you're looking to buy a home in Arizona or refinance your existing Arizona mortgage loan , borrowers often dread the mortgage loan and refinance process. That is because the traditional way to shop for a mortgage loan is antiquated and broken. Bonelli Financial Group has a streamlined the mortgage loan process to be easy, fast, and exciting so you can focus on enjoying your new home and this new chapter in life without the stress of a long and complicated mortgage loan process.

When you’re preparing to buy a home in Arizona, getting pre-approved for a mortgage is one of the most important first steps. Working with a trusted local lender like Bonelli Financial Group ensures you receive competitive rates, flexible loan options, and clear guidance through every stage of the process.

The right lender doesn’t just help you secure financing — they can also save you thousands over the life of your loan. With Bonelli Financial Group, you’ll benefit from:

Fast and simple pre-approval process
Competitive interest rates tailored to Arizona buyers
Flexible loan programs, including FHA and VA options
Lower refinance fees for future savings
Local experts who understand the Mesa, Chandler, and Gilbert markets

Whether you’re a first-time homebuyer or refinancing an existing loan, our team will help you find the right mortgage terms to fit your financial goals. By choosing a lender with strong customer service, transparent pricing, and a variety of loan products, you can move forward with confidence.

Take the first step toward homeownership with a fast, reliable pre-approval from Bonelli Financial Group. Call us today at 800-266-3554 or apply online to get started.

Asset-based home loan application and approval process

Bank statement loans for self-employed borrowers

Conventional mortgage loan options and rates

In the East Valley’s housing markets — Mesa, Chandler, and Gilbert — buyers and homeowners can expect 30-year fixed mortgage rates to hover near 6.7% and 15-year fixed rates near 6.1% in 2025. Rates may fluctuate as inflation and Federal Reserve policy shift, but the long-term trend is toward gradual easing.

Mortgage Rate Trends (Local Focus)

30-Year Fixed Rates: Expected range between 6.4% and 7.25% in Mesa, Chandler, and Gilbert.
15-Year Fixed Rates: Likely to average around 6.1% across the East Valley.
Refinancing: Homeowners who locked in pre-2022 rates may not benefit from refinancing, but new buyers and those with higher rates could still save with today’s options.
Rate Forecasts: The Mortgage Bankers Association projects a decline to about 6.4% by year-end 2025, which could improve affordability.

Housing Market Outlook

Sales Activity: Existing home sales are steady but expected to grow moderately as buyers adapt to higher rates and home prices in Chandler, Gilbert, and Mesa.
New Construction: Builders are active in Gilbert and Mesa, often offering incentives like rate buydowns to attract buyers and fill the gap from limited resale inventory.
Affordability: Median home prices remain higher than pre-2020 levels, but demand in family-friendly suburbs like Gilbert and Chandler continues to drive competition.

*Mortgage rates and market forecasts provided are estimates for informational purposes only and are subject to change. Actual rates may vary based on individual qualifications, lender criteria, and market conditions. Forecasts from third parties, such as the Mortgage Bankers Association (MBA), do not guarantee future outcomes. Please consult a licensed mortgage professional for personalized advice.