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 ...


Recent FHA Changes to Help Owners & Buyers!

Good news in the mortgage industry will help new home buyers as well as current homeowners with FHA loans! HUD recently announced a half-percent reduction in mortgage insurance premiums (MIPs) on certain FHA loans. According to HUD, the average FHA homeowner can save $900 per year on mortgage insura ...
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The Importance of Electrical System Inspection and Maintenance when Buying or Selling a Home

Your home is one of, if not the largest investment you will ever make. For this reason, there are many factors that go into deciding which home you want to buy. It is important that the home fits your needs; has the right number of bedrooms, bathroom ...
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Understanding Homeowner’s Insurance

One of the lesser known but very important parts to buying a home is securing homeowner’s insurance. Homebuyers need to be sure they are taking out a policy that both fits within their budget and provides the level of coverage they need. Otherwise, should they have a loss down the road, they may f ...
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7 Signs You Need Your Home Air Ducts Cleaned

Perhaps the signs are all around you, but you just haven’t noticed them. Here are 7 signs that you need you air ducts cleaned in your home. Your cat is prancing around with a dust mask on. You turn on the ceiling fan and your kids ask why it’s snowing inside. Your kids are practicing ...
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What to Look For when Buying a House for a Growing Family

When you have an addition (or two) coming to your family, it often means you have outgrown your current home. But moving to a new house that will accommodate your growing family can be a challenge. You want to make sure your new home will not only be suitable for your family today, but will also hav ...
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What Home Buyers Need to Know About Mold Problems

In Arizona and across the country, the housing market has started to pick up again. In many markets, we are seeing a return to the early to mid-2000s, with multiple offers coming within hours of a home going onto the market. If you are looking to buy a home in this market, it is important to be awar ...
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