Your Mortgage Expert — Licensed in 10 States
Senior Loan Officer at E Mortgage Capital with 12+ years of experience serving homebuyers and investors across Arizona, California, Colorado, Florida, Idaho, Michigan, New Mexico, Tennessee, Texas, and Virginia. The right loan for your situation — conventional, FHA, VA, DSCR, jumbo, and more.
Loans for Every Situation
Whether you're buying your first home or refinancing an investment portfolio, there's a program built for it.
Conventional
Competitive rates for buyers with strong credit.
Learn moreFHA
Low down payment options for first-time buyers.
Learn moreVA
Zero-down financing for veterans and active duty.
Learn moreDSCR
Investment property loans qualified on cash flow.
Learn moreNon-QM / Self-Employed
Bank statement loans for the self-employed.
Learn moreRefinance
Consolidate high-interest debt into one lower payment, or lower your rate.
Learn moreWhat Clients Are Saying
"Chris was able to get me approved and clean up my debt when other lenders told me I couldn't qualify. If you're looking for someone that will get the job done, I recommend Chris William Hovenier."Frank R.
"He's the go to mortgage broker and when I say this man was in the trenches for me — he made sure everything went through from start to finish. He has not only gained a customer but an actual friend."Eric J.
"Chris was an extremely helpful lending professional. He communicated frequently and succinctly throughout the entire process providing clear and complete answers to any questions that arose. I recommend Chris highly and without reservation."Ken B.
Four Ways to Put Your Home Equity to Work
Homeowners in Arizona, California, Colorado, Florida, Idaho, Michigan, New Mexico, Tennessee, Texas and Virginia use equity to pay off high-interest debt, fund repairs, or support retirement. Not sure which fits? Compare all four options.
Reverse Mortgage
For homeowners 62 and older: convert part of your equity into funds with no required monthly mortgage payment.
Learn moreCash-Out Refinance
Replace your mortgage with a larger loan and take the difference in cash for debt payoff, improvements or investing.
Learn moreHELOC
A flexible line of credit on top of your current mortgage. Draw what you need, when you need it.
Learn moreHome Equity Loan (HELOAN)
A fixed lump sum with a predictable payment, while your first mortgage stays exactly as it is.
Learn moreLoan details generalized to protect client privacy.
Ready to Get Started?
Call now to speak with Christopher directly, or send your info and get a response within 1 business hour.