Kiera Thomas
318 - 935-9833
Free HOME BUYING Calculator
Take the guesswork out of home financing! Use our free mortgage calculator to estimate your monthly payments, interest costs, and loan affordability Get clear, instant insights so you can plan your home-buying journey !
Your Simple 3-Step Path to Homeownership
STEP 1
Buying a home starts with knowing your numbers. Use my free mortgage calculator to get an idea of what’s possible for you — no commitment, no pressure.
STEP 2
Next, fill out a quick and easy application. It only takes a few minutes.
STEP 3
Once you apply, I’ll personally give you a call. We’ll go over your goals and create a custom plan to get you pre-qualified and ready to shop.
Let’s Clear Up the Confusion About Home Loans
.Buying a home can feel overwhelming, especially if you're worried about credit, down payment, or picking the right loan.
That’s what I’m here for.Got questions? Big or small — text me, call me, or email me directly.
Just click my digital business card below to:
📞 Save my number
💬 Send me a quick text
📧 Email me right away
ABOUT US
My mission is to simplify the mortgage process and empower homebuyers with the tools, knowledge, and financing options they need to achieve homeownership. I believe in education, transparency, and personalized service, ensuring that every client feels confident and supported from pre-approval to closing. By offering competitive rates, expert guidance, and a seamless loan process, I strive to turn the dream of owning a home into an attainable reality for individuals and families across the country.
WHAT OUR CLIENTS ARE SAYING
You deserve to work with someone you can trust. I’ve helped so many people just like you navigate the home buying process with honesty, care, and clarity. Here’s what my clients are saying about their experience working with me.
Juan RabagoKiera Thomas is absolutely amazing! She went above and beyond to ensure my family got the best possible outcome. She truly fought for us every step of the way, never taking ‘no’ for an answer and always putting our needs first. Kiera showed incredible compassion, putting herself in our shoes and understanding our situation on a deeply personal level. At the same time, she was firm and relentless with the bank, advocating for us with strength and determination. Her dedication and care made a stressful process so much easier, and we couldn’t be happier with the results. If you’re looking for someone who genuinely cares and will fight for you, Kiera is the one. Thank you, Kiera—you’ve made a lasting impact on our family!
Tiana ThompsonI closed March 19th and I have nothing but good things to say about Kiera!! From the very beginning to the end, she was 100% honest with me about EVERYTHING! And if we had a question or needed clarification, she was always there to call or text. The longest part is the process was finding the right home, but Kiera & my realtor Chelsea, were honest and realistic throughout this journey! I love, love my home buying team, they made sure we got our home in the end & we ended up getting a little money back at closing! I HIGHLY recommend Kiera, she is truly a gem!
Karen WashingtonI contacted Kiera Thomas to learn more about refinancing my home, and the best way to purchase an investment property. Kiera is very knowledgeable and was able to provide key information and scenarios that would help me reach my goals. She drafted a game plan and provided great references to get me on track! I highly recommend Kiera Thomas if you are looking to purchase/ refinance a home or receive clear-cut assistance in getting your personal affairs in order.
Let’s Find the Home Financing Option That’s Right for You
Not sure which mortgage fits your needs? I’m here to help! Let’s find the best loan option based on your financial goals.
Conventional Loan
Great for buyers with good credit and a steady income.
👉 Looking for low rates and flexible terms? A conventional loan could be your best option.
HomeReady / Home Possible Loan
Designed for low-to-moderate-income buyers.
👉 Get into a home with as little as 3% down. See if you qualify for a HomeReady or Home Possible loan.
FHA Loan
Perfect for first-time homebuyers or those with lower credit scores.
👉 Low down payment. Flexible credit requirements. See if you qualify for an FHA loan today!
Down Payment Assistance
Need help covering your upfront costs?
👉 Get matched with programs that can help with your down payment and closing costs.
VA Loan
For veterans, active-duty service members, and eligible spouses.
👉 $0 down. No PMI. Get the benefits you’ve earned with a VA loan.
Jumbo Loan
For high-value homes above conforming loan limits.
👉 Buying a luxury home? Get the financing you need with a jumbo loan.
HELOC (Home Equity Line of Credit)
Tap into your home’s equity for big expenses or projects.
👉 Need flexible cash access? A HELOC might be the right solution.
Non-QM Loans
Bank Statement, DSCR, and more Great for self-employed buyers or investors with unique income.
👉 No W-2s? No problem. Explore flexible loan options outside traditional guidelines.
Commercial Loans
For real estate investors and business owners.
👉 Buying or refinancing a commercial property? Let’s talk about financing options that work for you.
Let’s Partner to Help More Clients Become Homeowners
Realtors and real estate agents—get smooth closings, fast updates, and financing solutions that make you look good.
Realtors Unplugged
Get insights on unique loan programs to better serve your clients
I PROVIDE LEADS
Let’s discuss a free custom strategy to grow your business together
LOAN OFFICER + REALTORS
Interested in being dually licensed as a Realtor and Loan Officer? Join our weekly webinar every Tuesday at 11 AM (AZ Time)
Kiera Thomas
Branch Manager
NMLS #1922562
Company Licensing
Company State License
AZMB - 0944059
NMLS #1660690
Office Location: 3100 W Ray Rd 201 office#209, Chandler, AZ 85226
Phone: 318-935-9833
Email: [email protected]
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