by Stephen | Dec 21, 2021 | Home Buying
If there is one sure-fire way to reduce the total interest paid on a mortgage, that route is to shorten your mortgage term from a 30-year mortgage down to a 15-year mortgage. But shortening your mortgage term is only one reason to refinance your mortgage from a...
by Stephen | Dec 16, 2021 | Arizona
The Charter school movement is really gaining ground in Arizona and many parents are embracing the educational offerings that charter schools have available. So much so that several charter schools have wait lists for their most popular schools which is making it...
by Stephen | Dec 14, 2021 | Credit
This is a question I get asked often as a loan officer since credit is such a large part of the home buying process. Having a good credit score when making a large financial purchase whether it be a home or a car or anything of significant value for that matter makes...
by Stephen | Dec 9, 2021 | Mortgage
There are plenty of down payment assistance programs available for home buyers and these programs are a great option for those that qualify. Down payment assistance programs can be either government funded programs or privately funded programs and they generally are...
by Stephen | Dec 7, 2021 | Arizona
With Arizona being one of the highest net in-migration cities in the U.S. in the past year, finding a job when one arrives at their destination or even before is priority number one. But sometimes it is hard to find the major employers in a city when you are sitting...
by Stephen | Dec 3, 2021 | Home Buying
Saving for a down payment on a house is one of the most difficult things to do for a first-time home buyer. In addition to the sheer financial difficulty of saving for a down payment on a house, there is also the question from home buyers regarding how much they need...
by Stephen | Dec 1, 2021 | Home Buying
The Phoenix real estate market continues it’s upward climb in real estate prices and once again leads the nation in home price growth. This has been an all to familiar story for Phoenix homebuyers for several years now but there may be some relief in sight going...
by Stephen | Nov 30, 2021 | Home Buying
The Casa Grande Real Estate market continues to remain strong into the fall but we do see that the market may be slowing down ever so slightly. This is typical for real estate markets in the fall and normally it is seasonal and lasts through the holidays and through...
by Stephen | Nov 23, 2021 | Mortgage
When you buy a home and you put less than 20% down, the home buyer must have what’s called private mortgage insurance (PMI) on a Conventional loan. This is a requirement on mortgage loans that have less than a 20% down payment and this is something your...
by Stephen | Nov 18, 2021 | Mortgage
There is no best time to refinance a mortgage but you will know when that time is good for you based on your own circumstances. The best time to refinance a mortgage is when there is a financial need that arises and the amount needed is large enough to warrant a...
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