Mortgage guidance you can trust

Not sure whether you need a HELOC, refinance, or another option?

I compare the ways to access equity, reduce debt, or improve your mortgage structure—so you can see what actually makes sense before you commit to a loan.

Compare My Options

Schedule a Call

Mortgage process built around clarity, speed, and service

Understand the real goal

Understand what you’re actually trying to improve: cash flow, debt, access to equity, payment, or purchase power.

Compare the structures

HELOC, second mortgage, cash-out refinance, VA/FHA, or leaving the first mortgage alone.

Recommend the best fit

See the tradeoffs clearly before deciding which path makes sense.

What Are You Trying to Accomplish?

Start with the goal, not the loan product. I’ll help compare the available options and recommend the structure that best fits your situation.

Access Home Equity

Need cash for debt payoff, renovations, reserves, or another goal? I can compare a HELOC, second mortgage, or cash-out refinance and show you the tradeoffs.

Lower Monthly Debt Payments

If high-interest debt is eating up your monthly cash flow, I can look at ways to restructure it through your home equity and see whether the numbers actually improve your situation.

Refinance or Restructure Your Mortgage

If your current rate, payment, or loan setup no longer makes sense, I can compare refinance options and help determine whether replacing the existing loan is worth it.

VA Homeowner Options

For eligible veterans, I can compare VA refinance and cash-out options against other structures so you can see which route makes the most sense.

Buy a Home

Whether you’re buying your first home, moving, or purchasing another property, I can help you compare financing options and understand what you qualify for.

Investment Property Financing

I can help with financing options for investment properties and rental purchases, including scenarios that may need a more flexible approach.

Contact

Talk with Chad Hancock

Call (858) 287-7033 or send a message. Licensed in AZ, CA, FL, ID, ME, NH, NM, PA, TN, UT, and VA.

Family standing outside their new home holding keys

What Clients Are Saying

    
 
 
       Posted on Google  
   
   Mildred Farinas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Chad is the best ever! I refinancing with him 2 times. He is faster and he founded the best options for me. More than other companies! He is working extra miles! Even weekends when I needed at him! God bless you Chad!🙏🏻❤️
  
 
      Posted on Google  
   
   Jaydon Bonnafoux 
 
 
 
 Trustindex verifies that the original source of the review is Google. Chad has helped me and my fiance purchase our first home in 2025 and helped my father with his reverse mortgage this year! We spoke with other lenders in the past which can seem intimidating but once we spoke with chad we knew we were in great hands. He is now our families lender for life. Thank you Chad!
  
 
      Posted on Google  
   
   Zuleikah Walker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Chad Hancock is remarkable.  If you are lucky enough to find him, he will give you an unbeatable rate and incredible service. I don’t think he sleeps, has true weekends or goes on vacation. Chad responds to calls, texts and emails around the clock.  He really wanted to help and worked tirelessly.  I totally love his ethics, determination and kindness. I could not have found a better man to handle the hurdle of this refinance. He is the kind of person who has your back and that you want on your team.
  
 
      Posted on Google  
   
   Carl Abramsen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mr. Chad has been working with us over the last year and a half were he was reaponsible in wus doning a refinanclng of our home and the later on the IRRRL VA reduction of the interest rate to lower the house payment. Mr. Chad was vwey active in all stepe and got us through the process. He is recommented by us
  
 
      Posted on Google  
   
   jj pizzio 
 
 
 
 Trustindex verifies that the original source of the review is Google. Chad recently set up our refinance. He was extremely helpful in structuring our new Loan to assure a positive outcome. Chad had to work through some obstacles but worked very hard in getting our deal done and making sure we got the best possible rates and Loan possible. Thank you for the hardwork and dedication to our process.
  
 
      Posted on Google  
   
   Marian Perdomo-Esteves 
 
 
 
 Trustindex verifies that the original source of the review is Google. Marian Perdomo and Steve Esteves.-

We recently applied for a HELOC, and in the middle of millions of calls, emails, and texts, we found Chad, who was a real blessing, not because he helped us get the funds we needed but because of how he did it. He was very professional, and with a lot of patience, he answered all our questions and clarified all our doubts. We got the funds faster than we thought, and the process was smooth and more manageable when we finally met Chad. We highly recommend him.
  
 
      Posted on Google  
   
   Christopher Dunn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Chad. Everything was smooth and efficient with my refinance.
  
 
      Posted on Google  
   
   Chris Scalise 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was in a possibly unique situation, I actually wanted to borrow less, not more…which come to find out is actually more difficult, for the type of loan I wanted. Chad was terrific and then some every step of the way…not just professional, but personal…he is genuine, and the most helpful I have ever done business with! I may not have been able to accomplish my loan goals without his assistance, not at the rate I was looking for anyway. I was bombarded with other offers, an onslaught of calls, messages, email, and snail mails after I inquired online. Chad was available , a real person, and the same person….every step of the way….a pleasure to talk to and deal with! Thank you Chad !
  
 
      Posted on Google  
   
   Silvia B 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently refinanced with Chad and highly recommend him to anyone for a fast and efficient service. Very responsive, everything went smooth and super fast. I already recommended him to a friend and they’re working on his refinance right now.
  
 
      Posted on Google  
   
   Nigel Watson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Chad Hancock is a wonderful Mortgage broker with years of Professional experience. I have worked with Chad recently and highly recommend him for Mortgage related issues you encounter  ,he is also a Great Family man and Father
  
 
  
  
 
 
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