Home Owner
Track your home
See an estimated home value and the equity opportunities that may be worth exploring.
Mortgage guidance that travels with you
A clearer path home starts here.
Local mortgage strategy for buying, refinancing, and building long-term wealth—without the runaround.
Today's rate deskFollow the mortgage marketStart where you are
One goal. A mortgage path built around it.
Tell us what you are working toward. We will help you understand the tradeoffs, the next step, and what the numbers mean.
Purchase a Home
First home, next home, or investment property—we will help you compare the loan structures that fit your plan.
Explore buying
Refinance your Home
Lower a payment, change a term, or put equity to work. See whether the move improves your full financial picture.
Explore refinancing
Apply Today
Ready to move? Complete the secure application so a Bloom advisor can build and review your pre-approval scenario.
Apply nowThree ways to plan
Plan with the view that fits your next move
Explore home value, short-term rental potential, or buying power with Homebot. These insights are educational and are not an appraisal, rental guarantee, or loan quote.
Home Owner Airbnb Potential
Explore rental potential
Estimate what short-term rental income could look like for a home you already own.
Buyer
Plan your purchase
Explore a price range and start building a clearer path toward your next home.
Mortgage advice that feels human
Your home is personal. Your financing should be, too.
Bloom Lending combines local guidance with a broad range of loan options. Whether you are buying for the first time, self-employed, investing, or rethinking an existing loan, we make the choices easier to see and the process easier to follow.
Meet Bloom Lending
Your starting number
Estimate a monthly principal and interest payment.
Adjust the home price, down payment, rate, and term. This quick estimate is a starting point—not a quote.
Monthly payment estimate
Estimated monthly payment
This principal-and-interest estimate excludes taxes, insurance, PMI, HOA dues, closing costs, and rate changes. It is educational only—not a loan estimate, rate quote, or commitment to lend.
* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
Explore with confidence
Tools for the decision in front of you.
Mortgage Calculators
Our mortgage calculators help you hone in on the loan options that are best for you. Calculate your mortgage payments, affordability, and more.
Open calculatorsLoan Programs
Explore various loan program options to find the right fit for you and your family. We support everything from fixed rate to adjustable-rate mortgages.
View loan programsStep by Step Guide
Learn about the Loan Process end to end. We have made it our mission to help you at every step of the way, so you get the best loan option available to you.
See the loan processPut equity in perspective
Your home may be part of the next move.
Explore how a refinance or home-equity strategy could support the goal ahead.
Talk it through
Bring us the question. We will help map the next step.
Mortgage decisions are easier when you can ask a real person. Tell us what you are considering and how you prefer to connect.
4365 E Pecos Rd, Ste 112Gilbert, AZ 85295
(480) 535-8796
[email protected]
Google + Trustpilot reviews
Five-star experiences, in their own words.
Short excerpts from customer reviews published on Google and Trustpilot. Individual experiences vary.
★★★★★
GoogleI had a tremendously positive experience buying my first home with Bloom Lending. They offered the professional advice I needed...
★★★★★
TrustpilotBuying our dream home was so stressful, but because we had James at Bloom fighting for us and being our advocate, he got us our home.
★★★★★
GoogleJames at Bloom Lending is a wealth of knowledge and he goes above and beyond. He explained all my options...
★★★★★
TrustpilotMatt Hicks was extremely helpful and on the ball — highly recommend!
★★★★★
GoogleExtremely professional, I’ve used Bloom Lending for new loans and refinancing. Their team are experts in their field...
★★★★★
TrustpilotMr. Hicks at Bloom exemplifies true professionalism. With his expertise, I successfully navigated challenges in both personal and business finances.
★★★★★
GoogleHonestly the best costumer service. So polite. So thorough throughout the whole process. Would definitely recommend.
★★★★★
TrustpilotHe was able to give me options that I had no idea existed. It was easy and he walked me through everything.
Showing review 2 of 8: Travis Christopher Arthofer on Trustpilot