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We can get you the best mortgage at the lowest rate!

Your local, family owned lender. Entrusted by over 2,300 families with their mortgage needs since 2019.

Today's Best 30 year Conventional Fixed Rate is


Interest Rate


Annual Percentage Rate

7/23/24, 3:26 PM

See your personalized rates in about 30 seconds with no credit check or obligation


Travis Chapman




Derek Chapman

Vice President



Peggy Chapman




Chase Newell

Vice President


A better mortgage company.

Purpose-built from the ground up to save you money and deliver world class service on every loan.

We're a family-owned mortgage company built from a multi-generation, 50+ year history in mortgage lending. Here, you're not dealing with employees but rather owners and stakeholders who are more concerned about your long-term satisfaction with our company than earning a commission check.

This philosophy is built into everything we do - from our pricing model (which isn't inflated to account for big commissions paid to loan originators) to the sense of urgency and transparent manner in which we handle each loan. We are investing in people and relationships and take great pride in our many repeat customers as well as the referrals from our customers and real estate partners we regularly receive.  Read more >

Become our customer and we'll make you a fan.

I would give 6 stars if I could. From start to finish Travis and Derek guided me through the mortgage process. Answered questions I had late at night and on the weekend due to my crazy schedule. Please use Local Mortgage for your next home purchase. They are AWESOWE!!!

-Christian Rodriguez Meraz  2-3-24

My experience working with Travis and Derek was outstanding. They kept me informed at every point in the process and were eager to help any way they could. I would recommend this group to anyone!

-Johnny Sauls  1-24-24

Chase was wonderful and gracious to me during the entire process. Any questions I had he asked in a timely manner. He helped me with whatever I needed to ensure a smooth process. I would definitely recommend Travis and his team at Local Mortgage.

-Melvia Berry  1-22-24

We're committed to lower rates.

In addition to high levels of service, our customers also benefit by receiving interest rates that are consistently much lower than the national average. ¹ Our Loan Officers are stakeholders in the company and are compensated through the overall financial success of our organization, not through high commission rates on individual deals. Aggregating the compensation over a high volume of production has allowed us to achieve cost savings and pass those savings along to our clients through lower interest rates.  

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¹ Based on a comparison of Local Mortgage rates vs. the Mortgage Banker's Association weekly rate survey.

Have questions? Need advice? . . . Talk to us!

There's nothing our loan officers like doing more than meeting our customers and helping them one-on-one. 

Shop for a Home with Confidence

Get the certainty of our Verified Preapproval upfront and close faster with less hassles.

  • Close 7-10 days faster once you find the perfect home to buy!

  • Know exactly what you will be approved for and close on time - hassle free!

  • Gain more bargaining power - It's the next best thing to an all cash offer!


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First-time home buying made easier.

We'll make sure your homebuying experience is smooth, straightforward and understandable.

  • Grants and Down Payment Assistance

  • 100% Financing Programs

  • Low Down-Payment Programs

  • FHA, VA, USDA and Affordable Housing Loans

Buying your first home is an exciting time but can be difficult and confusing also. We've financed many hundreds of first homes and have developed a comprehensive set of loan programs to assist the unique challenges first-time buyers often face. We also understand the uncertainty and anxiety buying a home for the first time can bring. To counter this, we have a stress-free consultative process to help each home buyer understand and overcome any hurdles which come up along the way.

Step one is a consultation with one of our Loan Officers. We'll gain an understanding of your finances, home buying plans and future housing goals. From there, we'll develop an individualized plan to qualify you for the best mortgage to fit your needs. Just click below to get started and, we'll get to work on your home buying plan!


Get our free guidebook to
buying your first home.

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Get our free, step-by-step guidebook on becoming a homeowner for the first time! It has everything you need to know about credit qualifying, down payments, closing costs, loan programs and more. 

Would you like to be contacted for a free home buying consultation?

Thank you! A secure download link to the guidebook has been emailed to you.

Buy Now, Refinance Later.


Timing your home buying plans with the market in order to get the lowest interest rate is hard, if not impossible. Our clients have the advantage of a free refinance benefit that they can use anytime in the first 5 years of their mortgage. So why wait? Go ahead and buy your new home now, and let us pick up the closing costs for your refinance if rates drop in the first 5 years of your loan.


It’s often less costly for us to refinance a loan we’ve already made and this is our way of passing those savings along to our customers. We are committed to helping our clients save at closing and beyond.

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So glad I found this place!!! I had been searching for a true honest family owned mortgage company that I could trust and do business with and with Local Mortgage I found just that!!! The experience was flawless and super smooth with zero worries immediate returns on my emails and they we extremely NICE and very thoughtful about everything!! The rates were very competitive too!! You won't regret going with this company I guarantee it!!                                                             -Mark H. on Google Reviews

Latest Articles from our Blog

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Your Loan Will Close On-Time. We Guarantee It!

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Get Pre-Approved with us and We'll Guarantee a Quick Closing.

Many things come together at once when closing on a home purchase. We understand how stressful it can be and do the work necessary on our end to ensure you'll have a smooth, on-time and worry free closing. We even guarantee that once you're pre-approved with us, when your find a home, your loan will close on-time in as soon as three weeks. If not, we'll make your first payment (up to $2,000).
Terms and Conditions>

Start your personalized mortgage journey today!


Whether you're just researching or ready to apply, start your experience here for immediate service.

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