Chandler Mortgage Lender | Home Loans & Refinancing
Buying a home, refinancing, or buying before you sell? Deb Gontko Klein and the Reliability in Lending team help you compare mortgage options with clear answers and personal guidance from application through closing.
Based in Chandler • Serving Arizona, California & Colorado • Mortgage lending experience since 2004
Retail Branch Manager
LO Assistant - Licensed
AZ • CA • CO since 2004
Planet Home Lending
Equal Housing Lender
Five Star Mortgage Professional
2015, 2016, 2017, 2018, 2020, 2021, 2022, 2023, 2024, 2025, 2026
Top 1% Mortgage Originator
Scotsman Guide, 2021-2022
Experience.com
Google reviews
What do you want to do?
Buy a Home
We help you find out what you can afford, get approved before you shop, and feel sure when you make an offer.
Next step: Get approved before you shop.
Signature Program
Buy Before You Sell
Buy your next home before you sell your current one.
Next step: See how it works.
Refinance
A new loan may lower your payment or your rate, or help you pay your home off sooner.
Next step: Ask us if a refinance can help you.
Get Cash Out
Use some of the value in your home for what you need, if you qualify.
Next step: Call (480) 550-0211 to talk it through.
Pay Off Debt
Roll high-cost debt into one home loan payment, if that is right for you. Talk with us first so you can see the full cost.
Next step: Send us a message for an honest look.
Fix Up My Home
Borrow to repair or update your home, in one loan.
Next step: Tell us what you want to fix.
Signature Program
Buy your next home before you sell your current one
Moving is hard enough without living in temporary housing or moving twice. Buy Before You Sell lets you buy first, move once, and then sell your old home - if you qualify.
Meet Deb
Deb Gontko Klein, MBA, Retail Branch Manager
Serving home buyers in Arizona, California & Colorado since 2004. Executive MBA. CMPS (Certified Mortgage Planning Specialist). NMLS #595188.
“We can shop many lenders for you, or fund the loan ourselves - so we can find the loan that fits you.”
Awards
- Five Star Mortgage Professional, 2015, 2016, 2017, 2018, 2020, 2021, 2022, 2023, 2024, 2025, 2026
- Top 1% Mortgage Originator, Scotsman Guide, 2021-2022
- Top Women’s Originators, Scotsman Award, 2021-2022
- Top 50 Rookie Originators, Mortgage Originator Magazine, 2004
When I’m not helping families with home loans, you’ll find me on the pickleball court, cooking for the people I love, or spending time with my three grown sons, family, and friends. For me, home is where memories are made and families come together — and that’s exactly why I do what I do: helping families get the loan that brings them home.
Loans
Home loan options
VA Loans
Home loans for those who served, with help at each step, if you qualify.
FHA Loans
A low down payment may be possible, with more room if your credit is not perfect, if you qualify.
Conventional Loans
The most common kind of home loan, for buyers with steady income and a fair to strong credit history.
Jumbo Loans
Larger loans for higher-priced homes, up to $4 million, for buyers who qualify.
Down Payment Help
Help with your down payment and closing costs, if you qualify.
Loans if You Work for Yourself
Bank statement loans, a type of non-agency loan, if you qualify. Instead of a pay stub or tax returns, we look at your bank statements and the money coming in to show your income.
Reviews
What homeowners say
Experience.com
Deb and Robert were both very helpful, efficient, and attentive.
Daniel J BLaveen, AZ · September 15, 2026
Experience.com
Honest and constant communication regarding my HE Loan.
Michelle R ZPhoenix, AZ · August 5, 2026
Experience.com
deb was a true professional throughout the whole process
Kyle SMesa, AZ · July 26, 2026
The Process
How it works
- Talk with us and fill out your application, online or by phone.
- Send us your documentation. We give you a clear list.
- Read and sign your first loan documentation online. Ask us about anything you do not understand.
- We check your home’s value and review your file.
- First approval, as long as a few last items check out.
- Final check and your closing documentation.
- Closing. If you bought a home, you get your keys. If you refinanced, your new loan starts.
Want to talk it through first?Pick a time that works for you.
For Realtors
Realtors: a lender who keeps you in the loop and works to close on time.
Local & Licensed
Based in Chandler. Helping home buyers all across Arizona, California, and Colorado.
Serving home buyers all across Arizona, including Chandler, Gilbert, Mesa, Scottsdale, Tempe, and Queen Creek.
Visit us at 3133 W. Frye Road, Suite 101 #145, Chandler, AZ 85226, or call (480) 550-0211.
Hours
Monday to Friday, 9 AM to 5 PM
Saturday and Sunday, closed
Buying in Scottsdale? See the Scottsdale page for home loans in Scottsdale, Arizona.
Our Chandler office
3133 W. Frye Road, Suite 101 #145, Chandler, AZ 85226 Get directions →
Questions & Answers
Common Questions About Home Loans in Chandler
How much do I need for a down payment?
It depends on the loan. FHA loans can start at 3.5% down, and VA and USDA loans may need no down payment if you qualify. Some buyers also get help from down payment programs — ask us what fits you.
What is Buy Before You Sell?
It is a way to buy your next home before you sell your current one, so you can move once and not rush. One option may be a bridge loan — a short loan that helps you buy before you sell. We explain each option and help you pick, if you qualify.
Can I refinance and pay off debt at the same time?
Often, yes. A cash-out refinance can turn home equity into one payment that covers your loan and high-cost debt. We will look at your full picture first, so you can see if it truly helps.
Do you work with first-time buyers?
Yes — first-time buyers are a big part of what we do. We explain each step in plain words, help you plan your down payment, and answer every question along the way.
Which areas do you serve?
We are based in Chandler and help home buyers all across Arizona, California, and Colorado — from Flagstaff and Sedona to Tucson — including Chandler, Gilbert, Mesa, Scottsdale, Tempe, and Queen Creek. We are also licensed in California and Colorado.
Blogs & Videos
Mortgage tips from Deb: blogs & videos
Featured video
Deb Gontko Klein bought her first home at 25, as a single woman who decided not to wait for a spouse or for perfect timing. In this short video, she shares what that one decision did for her — building wealth, creating stability, and opening doors she never expected — and what 22 years in the mortgage business has taught her: most people build wealth because they got started, not because they timed the market perfectly. If you're a first-time buyer in Arizona, California, or Colorado wondering what's possible, Deb is happy to talk it through.
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What happens after you apply?
First, we check your application and your documentation.
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Can I buy before I sell?
You may be able to, with a bridge loan, if you qualify.
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Is refinancing right for me?
Refinancing means you trade your old loan for a new one.
Get Started
Talk with Deb
Tell us what you want to do, and we will call you back with clear next steps. It takes about a minute. Prefer to talk now? Call (480) 550-0211.
Serving home buyers in Arizona, California & Colorado since 2004