AZ Lending Experts

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


Protect Your Home during the Summer Monsoon Season

In Arizona, the summer brings hot temperatures and the start of the monsoon season. Though the heavy storms do not usually arrive until later in the summer and fall, now is the time to think about protecting your home and family from the threat of a major storm. Here are four critical ways to minimi ...
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When Does It Make Sense to Refinance?

In the past couple of years, interest rates have been at (or near) historic lows. In addition, the government has introduced programs such as the Home Affordable Refinance Program (HARP) to allow a higher percentage of homeowners to qualify and take advantage of these low rates. However, refinancing ...
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Mortgage Insurance: Why Do I Need It

The question is often asked why buyers need to take out mortgage insurance with the purchase of their home. Not to be confused with homeowner’s insurance, which insures the property for fire, theft, and other covered losses, mortgage insurance is for the benefit of the lender and not the homebuyer ...
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Qualifying for a Mortgage Just One Year after Foreclosure? FHA Back to Work Program makes it Possible

Many American consumers were hit hard by the housing collapse of the late 2000s. Because of mass job losses and plummeting property values, millions felt they had no other alternative than to let their homes go into foreclosure. These foreclosures le ...
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Mortgage Benefits for the Armed Forces and Veterans

Veterans and active military members do a lot to protect our country. So many over the years have given their lives to secure our freedoms. With all the military does to keep us safe, they deserve to have access to benefits that are not necessarily available to the general public. In the area of hou ...
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Helpful Tips Before You Refinance to Build or Remodel

Starting a building or remodeling project can be very exciting. The prospect of putting an addition on your house or constructing your “dream home” is a major step in creating the ideal living conditions for you and your family. However, before you apply for a mortgage or home equity line, make ...
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