Chaos Home Loans

In a fast-paced, ever-changing industry, CHAOS HOME LOANS, LLC stands out. We strive to ensure our clients are receiving the stellar service and attention to detail that only we can provide.

NMLS Consumer Access

Who We Are

At Chaos Home Loans, we pride ourselves on knowing the true guidelines better than any other company out there. Our dedicated mortgage professionals ensure every client is educated about the mortgage process. Our customer service and commitment are very evident in the way we conduct business. We believe purchasing a home is a key factor in building wealth, and we want to be a part of your financial future.

free Template by uicookies.com free Template by uicookies.com

Pre-qualification Form

A home is one of the smartest purchases you’ll ever make, but it’s also one of the biggest. We are here to take the Chaos out of purchasing and refinancing!

Purchase Refinance

Why Us

The reason our clients choose us is because we approve loans to the bare guidelines, with little to no overlays. This allows us to approve clients that have often been turned down by other larger institutions.

free Template by uicookies.com free Template by uicookies.com
Why is the interest rate higher than what other mortgage companies are advertising?

Most advertised interest rates are based off of a 20% down payment and a 740+ FICO score. If you don’t fit that criteria, then you will mostly likely have a higher interest rate than what you can find on the internet.

Yes, but you have to have verifiable rental history and no derogatory credit marks for the past 12 months.

How fast we can close your loan is in direct relation to how fast you can send us required documents. If you have to rush, our loan officers and operations staff have no problem putting in extra hours to ensure that your loan is disclosed and submitted the same day documents are received.

Many rules and regulations were put into place after the housing market crash of 2008. All of these documents are to ensure that you are fully capable of paying your obligations.

FHA

Conventional

VA

USDA

Private Money

Bank Statement Only

Reverse Mortgage

Multi-Family/ Apartment

Jumbo Mortgage

Loan Programs

The reason our clients choose us is because we approve loans to the bare guidelines, with little to no overlays. This allows us to approve clients that have often been turned down by other larger institutions.

FHA

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for borrowers with low-to-moderate income who are unable to make a large down payment.

As of 2018, these loans allow the borrower to borrow up to 96.5% of the value of the home (with a credit score of at least 580; otherwise, a 10% down payment is required). The 3.5% down payment can come from a gift or a grant, which makes FHA loans popular with first-time homebuyers.

Conventional

A conventional mortgage loan is any type of a mortgage loan that is not offered or secured by a government entity, such as the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA) or the USDA Rural Housing Service. These loans are available through or guaranteed by a private lender (banks, credit unions, mortgage companies) or the two government-sponsored enterprises, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac)

Conventional loans are often (erroneously) referred to as conforming mortgages or loans; while there is overlap, the two are distinct categories. A conforming mortgage is one whose underlying terms and conditions meet the funding criteria of Fannie Mae and Freddie Mac. Chief among those is a dollar limit, set annually by the Federal Housing Finance Agency (FHFA). Currently, in most of the continental U.S., a conventional loan must not exceed $424,100.

VA

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists and select surviving spouses (provided they do not remarry), and can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes and new constructions. The VA does not originate loans, but sets the rules for who may qualify and issues minimum guidelines and requirements under which mortgages may be offered and financially guarantees loans that qualify under the program.

The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.

USDA

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.

Reverse Mortgage

A reverse mortgage is a loan against the equity in the home that provides tax-free cash advances, but requires no payments during the term of the loan. Since there are no monthly payments during the life of the loan, the balance increases and the equity in the home decreases.

The loan is not due and payable until the borrower no longer occupies the home as a principal residence, e.g. the last surviving borrower sells, moves out permanently or passes away.

You must be at least 62 years old and own your own home or condominium in order to qualify for a reverse mortgage. There are no income or credit requirements to qualify. Based on the amount of benefit for which you qualify, you may be eligible for a reverse mortgage even if you still owe money on your first mortgage.

Staff

The reason our clients choose us is because we approve loans to the bare guidelines, with little to no overlays. This allows us to approve clients that have often been turned down by other larger institutions.

Card image cap

Collin Psioda

CEO
Card image cap

Ian Duboe

Loan Officer
Card image cap

Brody Keitt

Loan Officer
Card image cap

DJ Arthur, Jr.

Loan Officer

Satisfied Clients

The reason our clients choose us is because we approve loans to the bare guidelines, with little to no overlays. This allows us to approve clients that have often been turned down by other larger institutions.

“Very good to work with and will do it again!! He was very friendly and helpful. We had a lot of questions and he was very patient with us. He answered all our questions and we got the house we wanted.”

Alan Mak

“Ian was there for us every step of the way. Great person to do business with. And always eager to help. Does his best to find the right solutions to any problems.”

Alfred Rios

“Ian helped me all thru this process and worked to answer all my questions and get this done smoothly. Ian is a hard worker in getting the house closed as fast as he could. I would tell anyone to go with Ian if they were ready to get a VA loan. Thank you Ian for helping me get my first home.”

Bobby Payne

“Very nice, pleasant young man. Very good at explaining the process. He was a pleasure to do business with. Should I have future need of his services I would call him the first thing.”

Jay LaClair

“Ian is the hardest working agent I have ever had the pleasure to work with. He went over and above the usual Loan Officer/client to put me at ease in every step of the home buying procedure. I thank him from the bottom of my heart for his patience. You Can't fathom the rush of feelings I felt at the closing.”

Ezel Careuthers

Let's Talk

The reason our clients choose us is because we approve loans to the bare guidelines, with little to no overlays. This allows us to approve clients that have often been turned down by other larger institutions.

  • Email Collin@chaoshomeloans.com
  • Phone 702-342-8137
  • Company NMLS #1655544
  • Address 5195 S Durango Dr. #101
    Las Vegas, NV 89113
stephen.kenny714@gmail.com $$Titans22