

Chad Horkan
Branch Manager

As your Kind Ambassador, I’m here to make the mortgage process simple, supportive, and tailored to you. Whether you’re buying, refinancing, building, or planning for what’s next, I’ll help you explore your options and move forward with conf... Show More
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Reviews from Web
Chad and Stearns Lending swept up our refinance and saved us from making a very bad deal with another lender. He was very up front about what was wrong with the deal we were close too making and he showed us side by side comparisons with what...
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My wife and I wanted to see if we could refinance our home; so I called Chad. Chad was the integral part of our initial first, first mortgage, team. Chad asked my why we wanted to refi? My reply was to save money by reducing our payments. Well...
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Reply from Owner
March 14th, 2018 12:00 AM
Mike,
Quick, easy and painless. We have worked with Chad in the past and will continue to work with him in the future. Chad is a professional and a pleasure to work with.
Mr Horkan handle our refinance from a construction loan to a conventional loan, and it was shall we say a unique set of circumstances involving a trust, attorney's, etc, it was a difficult situation and process, but Mr Horkan handled it from...
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I was referred to Chad and his team by a friend and I was so very happy for the recommendation. Chad was able to provide me with a better interest rate than another lender that I almost signed up with. He responded to my call after business...
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We just closed on our dream home - I mean a true deam home - and our advantage to write an accepted offer on this amazing, sought after property was directly influenced by our confidence in Chad and Stearns Lending to get it done - offer to...
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If you get the opportunity to work with Chad, take it!We refinanced our mortgage to get rid of the PMI. Chad got it done very smoothly. He answered all my questions, and patiently explained whatever aspects of the paperwork I didn't understand.The...
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Chad was very kind and understanding. Buying a home is a very stressful and complicated task. Chad explained everything and got things done. He assured me that it would all work out and to just relax. Everything did work out and I am very happy...
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I have used Chad as my mortgage lender a couple of times and continue to be impressed with the speed and professionalism him and his team operate. They work to get me my best possible rate and explain clearly what is required during each step....
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As a young, first time home buyer, Chad spent the time to walk me through everything and explain my loan in detail. From offer date to purchase we closed within 24 days! Chad and his amazing team at Stearns Lending were able to make this happen...
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About
As your Kind Ambassador, I’m here to make the mortgage process simple, supportive, and tailored to you. Whether you’re buying, refinancing, building, or planning for what’s next, I’ll help you explore your options and move forward with confidence—every step of the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Purchase, refinance, cash out, lines of credit, second homes, investment properties.
DSCR (Debt Service Coverage Ratio)
Complex tax returns
Certified Divorce Lending Professional
CMPS Certified
Top 1% Mortgage Originators in America
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Memberships
- NMLS
- MBS Highway
- L 360
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 526220
Awards
Scottsman Guide To...
Achievements
- Certified Divorce Specialist
Hobbies
- Golf
- Travel
- Family
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Disclaimer
©2026 | Kind Lending, LLC | NMLS #3925 | For all Kind Lending licensing: http://nmlsconsumeraccess.org/ | 1920 Main Street, Suite 1200, Irvine, CA 92614 | (888) 250-5463 | Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act; Hawaii Mortgage Loan Originator Company License HI-3925; Licensed by the NJ Department of Banking and Insurance. AZ Banker License 0943427. MA Mortgage Banker License #MC3925. All Rights Reserved.