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 ...


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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Housing Market Stabilizing but Still Strong

As we approach the holiday season, the usual slowing in the housing market is occurring. The holidays are typically a slow time for the real estate market but there are still opportunities for those trying to get their home sold before the end of the year. There are still several factors working in ...
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The Home Inspection Process: Important Considerations for Homeowners and Home Buyers

During a residential real estate transaction, a home inspection is critical. For the homeowner planning to sell, it is important to have the home inspected for any flaws they may not be aware of that need to be addressed before putting the property o ...
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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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