

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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Chad and his team did an awesome job with all of the moving parts throughout the entire process. We were always in communication with Chad and his team. I would recommend anyone looking for the best service out there to give Chad Horkan a call...
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Purchasing our first home was extremely overwhelming, but Chad reassured us we will find the house we want and everything will work out, and he was right! After multiple offers on homes were not accepted, Chad continued to work hard to have...
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I was so happy with my experience. Chad was always available for questions, thoroughly explained each step, kept me in the loop as to where the loan was at and even provided a few laughs along the way. I was extremely satisfied and would definitely...
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My husband and I were able to purchase our dream home despite complicated circumstances following divorces because of Chad and his team. They understand available products and tools- and how to leverage them for success. More than that, the...
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We were working long distance with Chad on our loan. He was a great help from offer to closing. The process went smoothly, and we are delighted that it all worked out.
We had a tedious and multilayer refinance to get done. Chad and his team were spot on with communication, numbers and details. He really can HELP YOU>
My lender was awesome, I really appreciate his great work for me to get home loan in short time. He goes over and beyond explained every detail and visit home if any questions, quick response and promise to help in any time even beside office...
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Chad is amazing! He's a friendly guy and makes you feel comfortable when purchasing your first home. We can't thank him and everyone at Stearns enough!
Working with Chad and Stearns Lending was a great experience. Chad was very helpful throughout the whole process and worked to get the closing done on time. I highly recommend him to anyone in need of mortgage services.
Chad explained the process in detail and was very thorough! He was very professional yet personable. He responded quickly to all our emails, texts and calls. It was a GREAT EXPERIENCE!!!
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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.