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 ...


The Tax Advantages of Owning a Home

The pride of home ownership is something millions of Americans strive for. Owning a house allows you the freedom to fix it up the way you want it (within the law), and it gives you an asset that should build value over time. However, when buying a home, many do not realize the incredible tax benefits they can receive. From the moment you close on t ...
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HARP 2.0 Is Still Available for Underwater Homeowners

In the past year or two, the real estate market has improved dramatically in many areas of the country. In particular, the places that were the hardest hit from the market crash in the late 2000’s have come back the strongest. Even with the current recovery, a large number of homeowners who bought ...
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Is An Energy Efficient Mortgage Right for You? (Part II)

In Part I, we looked at what could be financed with an energy efficient mortgage and conventional lending guidelines. In Part II, we will examine FHA and VA financing options as well as some of the advantages and disadvantages of a green mortgage. FHA Financing FHA requirements for energy effi ...
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Is An Energy Efficient Mortgage Right for You? (Part I)

The recent cold winters and the rising cost of utility bills have many Americans wondering how they can lower their energy costs so they can have more money left at the end of the month. One potential way to finance improvements to your home that can keep utility costs low is through an energy effic ...
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Tips for Rebuilding your Credit after Bankruptcy (Part II)

In Part I of this series, we discussed the amount of time it may take after a bankruptcy before you can buy a home. After your bankruptcy is discharged, you can take steps immediately to rebuild your credit and prepare to re-enter the housing market. Here are five tips to get you headed in the right ...
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Tips for Rebuilding your Credit after Bankruptcy (Part I)

Millions of Americans have experienced difficult financial times in recent years, forcing many to file bankruptcy. Home foreclosures, job losses, and mounting credit card debt can often be too much to overcome. If you are one of those that have fallen on financial hardship and needed to seek bankrup ...
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