by Stephen | Oct 14, 2021 | Credit
As a loan officer I see all too often a client that is a solid candidate to buy a home, except for one thing, a large car payment. With cars becoming more complex due to on-board computers and sophisticated electronics on most new vehicles, car buyers need to find...
by Stephen | Oct 12, 2021 | Mortgage
For first time home buyers and even repeat home buyers it is always helpful to know what items a lender needs to generate a mortgage pre-approval. The mortgage pre-approval process requires quite a bit of documentation from start to finish but this can be relatively...
by Stephen | Oct 5, 2021 | Mortgage
The best way to make getting a mortgage easier is to be organized and prepared when you decide you are ready to buy a home. Having a good first meeting with your mortgage loan officer and knowing what questions to ask will ensure that you learn everything about which...
by Stephen | Sep 30, 2021 | Home Buying
As we come to the end of the third quarter and we enter the fourth quarter of the year, we wanted to take a look at both home prices and rental prices. Here in Phoenix, we have had a record-breaking year in terms of home price appreciation and market forecasters...
by Stephen | Sep 28, 2021 | Mortgage
When homeowners think of refinancing their mortgage the reason most often cited is to lower the interest rate on their loan. Lowering one’s mortgage loan rate is one of the most popular reasons to refinance but not the only reason. There are several good reasons to...
by Stephen | Sep 24, 2021 | Mortgage
When people think of refinancing their mortgage, the most common thought is to lower their interest rate. And while this is always a good option to consider when lower interest rates are available, there might be other mortgage refinance opportunities to think about...
by Stephen | Sep 22, 2021 | Credit
It can be quite a challenge to establish credit as a young adult if you go in to the process without a plan. There really isn’t an established playbook on how to establish good credit since there are many ways to accomplish this objective. But even if you begin the...
by Stephen | Sep 16, 2021 | Home Buying
Buying your first home can be nerve-racking, challenging, and scary all at the same time. But with a little education up front and a lot of preparation on the back end you too can stop paying rent and become a homeowner. The benefits of long term homeownership are...
by Stephen | Sep 14, 2021 | Home Buying
Buying a home is such a milestone event in our lives that we want to make sure that when we are ready to buy, we do everything we can to make the process go smooth and as problem free as possible. Potential home buyers may not understand that building the foundation...
by Stephen | Sep 9, 2021 | Mortgage
Borrowers can do a number of things to prepare themselves financially to buy a home. At the top of that list is controlling how much debt you have at any given time. The debt-to-income ratio is an important tool lenders use to measure a borrowers debt level and is...
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