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 ...


Saving Money on Moving to Your New Home

Buying a new home is a great milestone for many Americans. Saving for the down payment, qualifying for a mortgage, finding the right home, for example are steps that take a lot of time and sacrifice. However, after the closing, there is still work to be done. Moving to your new home is an entire pro ...
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Three Advantages of Working with an Experienced Realtor

The housing market can heat up or slow down so home sellers often wonder if it is better to list their house with a real estate agent or sell the house on their own. The main reason for considering the do-it-yourself or partial do-it-yourself option is the perceived savings it will bring from elimin ...
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The Importance of Working with a Strong Real Estate Team

Buying or selling a home can be challenging, especially for those who are not in the real estate business. However, with home sales that typically run several hundred thousand dollars, it is critical that both buyers and sellers receive maximum value on the transaction. To accomplish this, consumers ...
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Zip It! 85254 (aka: The Magic Zip Code)

When searching for homes for sale in Phoenix, buyers have an abundance of choices. The housing boom of the mid-2000s brought lots of new developments to the area, and the crash of the late 2000s left many vacant properties. Throughout the ups and downs of the Phoenix real estate market, the ‘85254 ...
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Housing Market Outlook

The results show that 2013 was a strong year for real estate in most areas of the country. Low interest rates, affordable home prices, and an improving economy helped fuel a strong housing recovery. Home prices were up in over 80% of the major national markets, with an average nationwide increase in home prices of nearly 11%. Home prices have i ...
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Climate Considerations and Utility Bills when Shopping for a Home

Buying a new home is always exciting but finding the right home to purchase takes some deliberation. Most importantly, you need to be sure you can afford the payments, regardless of how emotionally attached you are to the home you want to buy. This starts by setting up a budget of your projected exp ...
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