Can I use my Intel or tech RSUs to qualify?

Yes — vested RSU income that has a 2-year history and is reasonably likely to continue can be counted. We average the last 2 years and verify continuance through your offer letter and most recent vesting schedule. Sign-on bonuses are typically excluded; recurring annual bonuses can usually be included.

Are loans different in Sun Lakes?

Sun Lakes is a 55+ age-restricted community, which means project review for condos and PUD homes confirms compliance with HOPA. Most homes finance as conventional. The HOA dues are higher than typical (often $200–$400/month) and include amenities and golf — the dues count against your DTI, so we factor them into your max purchase price.

Does the Chandler school district affect what I can buy?

Chandler Unified consistently ranks at the top of Arizona, and the school boundary materially affects pricing. Two homes of identical square footage on opposite sides of a CUSD/Mesa Public Schools boundary can vary by 5–10% in price. Confirm the actual assigned schools before you write — addresses sometimes deceive.

Chandler, Arizona

Chandler home loans for tech professionals, families, and the Sun Lakes set.

Chandler hosts Intel's largest U.S. campus, plus PayPal, Wells Fargo, and Microchip — which means we see a lot of equity-comp underwriting. We also write a lot of Sun Lakes 55+ files and lake-house loans in Ocotillo. Three different buyer profiles, one playbook each.

$560k

Median Home Price

Yes

Tech Hub (Intel)

9/10

School Rating

36

Days on Market

What financing looks like in Chandler

Three flavors handle the bulk of Chandler purchases. Pick your buyer type and the financing follows.

RSU & equity-comp underwriting

Intel and the broader tech corridor pay heavily in RSUs. We can use vested RSU income with a 2-year history, and we know which lenders treat tech equity favorably and which haircut it. The right placement can move your max purchase by $150k+.

Sun Lakes & 55+ communities

Sun Lakes (14k residents, age-restricted) and Trilogy at Power Ranch on the Gilbert border have specific HOPA requirements at project review. Conventional finances cleanly with HOA dues built into DTI. Reverse mortgage and asset-depletion loans are also relevant for retirees buying without a paystub.

Conventional + jumbo for Ocotillo

Ocotillo's lake-front and golf homes, plus Fulton Ranch, push above conforming routinely. Our jumbo desk handles 90% LTV without MI for strong files, and we close on the same 21–28 day timeline as a conforming loan.

Local intel

Chandler's economic base is unusual for a Phoenix suburb — Intel's Ocotillo and Fab campuses anchor a tech employer cluster that includes PayPal, Wells Fargo, Microchip, and Northrop. That mix produces a steady flow of relocation buyers and a lot of dual-income files where one or both incomes include RSUs, restricted stock, or annual bonuses. We see this every week and have lender placements that handle equity comp without trimming it.

Ocotillo is the master-planned community built around a chain of artificial lakes. Homes range from townhomes near $400k to lake-front custom builds at $1.5M+. Fulton Ranch sits north of Ocotillo with newer luxury inventory. Sun Lakes is south of Riggs Road — 55+, golf, lower median price, lots of paid-off homes that show up as cash-out refis or downsizing purchases.

Chandler Unified School District is one of the highest-rated in Arizona — Hamilton High, Basha High, and Chandler High all have national reputations. Boundaries matter: a CUSD address can carry a 5–10% premium over a similar Mesa Public Schools address one block away. Confirm the assigned school using the district map before writing the offer.

Builder activity in Chandler proper has slowed because most of the city is built out. Most new construction now happens just south in unincorporated Maricopa County or further into Gilbert and Queen Creek. If you want new in Chandler proper, expect a teardown-rebuild scenario or a small infill subdivision, which underwrites differently from a large master-planned project.

Effective property tax in Chandler is roughly 0.65%. On a $560k median home, escrow runs about $300/month for taxes alone. Combined with HOA dues (especially in Ocotillo/Sun Lakes/Fulton Ranch), your full PITIA can be meaningfully higher than the principal-and-interest quote — we always run the full number on day one.

Chandler FAQ

Yes — vested RSU income with a 2-year history that's reasonably likely to continue can be counted. We average the last 2 years of vested value and verify continuance with your offer letter and most recent vesting schedule. Sign-on bonuses are typically excluded; recurring annual bonuses can usually be included once they show in 2 years of W-2s. Pick the wrong lender and they'll cut your RSU income in half — pick the right one and you keep all of it.

Sun Lakes is age-restricted (55+), which triggers HOPA project review on condo and PUD files. Most single-family Sun Lakes homes finance as standard conventional. HOA dues are usually $200–$400/month and include golf and amenities — they count against DTI, so a buyer who's borderline on debt ratio elsewhere can be capped here by the dues. We model the full cost up front so you don't get a surprise at underwriting.

Chandler Unified is consistently top-rated in Arizona, and the boundary line affects price. Two identical homes on opposite sides of a CUSD/Mesa Public Schools boundary can be 5–10% apart. Always confirm the assigned schools at the address — Chandler addresses don't always feed Chandler schools, and Gilbert addresses sometimes do.

Pre-approved with full RSU credit.

Soft credit pull. Same-day decision. No fee to talk.

Get Pre-Approved Call (480) 803-7763