About Chad Beldon
Chad Beldon is a Vice President of Lending at Rate and a top-rated mortgage loan advisor in Columbus, Ohio, serving homebuyers and referral partners throughout Central Ohio and beyond. With more than 22 years of experience in residential mortgage lending, Chad is known for his personalized, relationship-first approach and his commitment to delivering an exceptional home loan experience. Chad operates by a simple but effective philosophy: "It's about providing what consumers and business partners value most—clear communication, availability, reliability, and access to the right loan options." While many mortgage companies rely heavily on automation and self-service models, Chad provides a highly guided, hands-on mortgage experience, ensuring clients feel informed, confident, and supported from pre-approval through closing. As a trusted Ohio mortgage lender, Chad offers a comprehensive range of home financing solutions, including Conventional, FHA, VA, and USDA loans, as well as down payment assistance programs, investor mortgage loans such as DSCR, self-employed financing, and other non-traditional mortgage products. His dedication to staying ahead of market trends, guideline changes, and lending technology allows him to provide industry best strategic, customized solutions tailored to each client's goals. Chad graduated from The Ohio State University in 2003 with a degree in Economics and Consumer Affairs and has built a 100% referral-based mortgage business rooted in trust, transparency, and long-term relationships. He believes homeownership is one of the most powerful wealth-building tools available and takes pride in helping families and individuals achieve this milestone. "Seeing the excitement and joy on a client's face when they receive the keys to their new home never gets old," Chad says. Outside of the office, Chad is deeply involved in the Central Ohio community. He has spent years coaching club soccer, sharing the experience with his two daughters and building meaningful family traditions through sports. He also supports local charitable initiatives, and enjoys participating in running and cycling events throughout Ohio, often alongside his daughters. Today, Chad continues to lead, mentor, and grow his team while serving as a trusted mortgage partner for homebuyers and Real Estate Agents alike. Whether you are purchasing a home, exploring mortgage pre-approval, or are a Real Estate Agents seeking a reliable referral partner, Chad Beldon is committed to delivering expert guidance, personalized service, and a five-star mortgage experience. Rate is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code. Rate is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. USDA loans must meet local USDA approval guidelines as they vary by state. Eligible borrowers must have a minimum DSCR of .75. Property type restrictions apply. Eligible for fixed and adjustable rate mortgages. Interest only payment options are available. Gift funds may be used for down payment and closing costs after the borrower has documented the minimum required borrower contribution. Applicant subject to credit and underwriting approval. Additional restrictions apply.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 8740 Orion Place, Suite 230 Columbus OH, 43240
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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