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 ...


Home Staging for a Quicker Sale

The housing market has picked up steam in many parts of the country and as the economy slowly recovers, look for housing prices to continue to rise. What all this means is a steady transition from a buyer’s market to a seller’s market. Suddenly, many sellers are starting to get the price they are asking and it is happening more rapidly as well. ...
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Real Estate Investing Basics: How to Invest in Rental Properties

Real estate investing has been a favorite pastime of American entrepreneurs for at least the past century. The promise of simultaneously building your net worth, earning positive cash flow, and saving money on your taxes is an attractive proposition. In addition, it is true that more members of the ...
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Should I Buy a Single or Two Story Home?

Homebuyers often wonder whether it is better to buy a single story home or a house with multiple stories. As with many things in life, the answer is “it depends.” There are a number of factors that go into a home buying decision, and personal preference should always be near the top of the list. ...
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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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