Chandler Hesington's story is one deeply intertwined with the fabric of Northwest Arkansas. A native of the region, Chandler's family relocated to the area when she was just two years old, firmly planting their roots in the community. After pursuing her education at the University of Arkansas, Chandler took a unique turn, enlisting in the US Navy at the age of 19 with aspirations of becoming a nuclear engineer. However, fate had other plans, leading her to serve as a medic (Hospital Corpsman) in Pearl Harbor, HI, during her enlistment.

Today, Chandler, along with her four-year-old son Lincoln and two beloved golden retrievers, Nellie and Finn, enjoys the diverse offerings of Northwest Arkansas. From culinary delights to outdoor adventures, they revel in exploring all that the region has to offer. Lincoln, already showing promise as an avid bike rider, has a particular fondness for Wright’s Barbecue in downtown Bentonville, where he insists on enjoying the Mac and Cheese next to the bike trails. Despite the rapid expansion of Northwest Arkansas, Chandler cherishes the fact that within a two-hour drive, countless other adventures await, ensuring that each day brings new discoveries and cherished memories.

As the Branch Manager of Sierra Pacific Mortgage, Chandler is driven by a mission to create homeownership opportunities for customers while fostering rewarding careers for her team members. In a real estate market fraught with uncertainty, Chandler's goal is clear: to provide a pathway to homeownership for individuals, whether they are first-time buyers or preparing for retirement. With expertise spanning all aspects of home loan lending, Chandler places a strong emphasis on education, ensuring that her clients feel empowered throughout their home buying journey.

The impact of Chandler's dedication and expertise is perhaps best captured in the words of her clients. Curtis G., reflecting on his experience, highlights Chandler's unwavering support and professionalism throughout the entire process. Chandler and her team stood by him, delivering on their promises with diligence and timeliness. From the initial qualification to the final closing, Chandler's commitment to excellence ensured a low-stress, pleasant buying experience.

 

Founded in 1986, Sierra Pacific Mortgage stands as one of the oldest mortgage companies in existence, weathering the storms of economic fluctuations and market uncertainties. Under Chandler's leadership, the company remains at the forefront of innovation, developing proprietary software and AI mortgage assist to enhance the client experience. With a focus on understanding mortgage intricacies, Chandler educates clients on property taxes, homeowner's insurance, and other critical aspects, empowering them to make informed decisions about their financial health.

In the ever-evolving landscape of homeownership, Chandler Hesington shines as a beacon of compassion, expertise, and reliability. With her at the helm, clients can rest assured that their homeownership dreams are in capable hands, supported by her unwavering dedication to excellence.

For more information at 808-726-1113 or chandler.hesington@spmc.com

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Factors that control your home loan approval odds include Debt-to-Income (DTI) ratio, credit score, and Loan-to-Value ratio. The highest importance each loan program considers is the DTI. This is confusing to many individuals because there are a wide variety of bills that some may consider. However, lenders look at recurring payments that a household pays; generally this information is pulled directly from your credit report. To calculate your DTI ratio, add up all monthly payments on credit (ie. Credit cards, auto loans, personal loans, mortgage payments) and the proposed monthly mortgage payment, and divide this by your gross household income. This will demonstrate a percentile for what’s called the back end DTI. The front end DTI is calculated by taking the proposed monthly mortgage payment and dividing by your pre-tax income. Loan programs vary on what they require; compensating factors will be taken into consideration. A good rule of thumb for conventional loan approval is not to exceed 45% on the back-end for all total bills. Working with a lender who will help you understand your debt ratio will set you up for loan approval success!