Saturday Strategy
Mortgage FAQ's, did you knows and much more...
Help with down payment is not just for first time home buyers
I wanted to quickly share a video about a fantastic down payment assistance program we launched about a month and a half ago call Luminate PATH National Down Payment Assistance Program
Here are the highlights:
- It's not just for first-time homebuyers; anyone can benefit.
- You can keep your current home if you own one and rent it out.
- No need to sell your current house if you're looking to move.
- There is a forgivable option and a repayable option
- No income limits
These guidelines offer flexibility. While I'm summarizing here, feel free to reach out for more details. The reason behind this video is to shed light on the available options, especially with soaring housing costs and rates. Buying a house and saving for a down payment can be tough right now, but there are solutions.
Thank you for being amazing clients. Wishing you a wonderful weekend. Feel free to share this video with anyone who might benefit. Have a great day!
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
* DISCLOSURE: The results above are based on (i) information provided by you, (ii) estimates of interest rates, closing costs,another amounts, and your tax bracket (iii) currently available loan programs and (iv) information and assumptions that may or may not have been previously discussed with your Home Loan Specialist, all of which might change over time. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. This is not a credit decision or a commitment to lend.
P.S. Can I count on you to call us when any friends, family or coworkers are looking to buy, sell or refinance a home? We'd love to help! You can just text/call me at 480.553.8770.
* Did you know we can finance in 45 states?
Spring Buyers Have More Leverage Than They’ve Had in Years
Inside Lending – Week of April 13, 2026 QUOTE OF THE WEEK “Success is where preparation and opportunity meet.”—Bobby Unser, American automobile racer NATIONAL MARKET UPDATE Housing conditions remain favorable for buyers as inventory continues to exceed last year’s levels and prices trend lower. Even with recent rate volatility, the market is offering more options…
Wondering If You Should Still Buy a Home Right Now? Here’s What To Keep in Mind.
With economic headlines, global events, and near constant talk about affordability, you may be wondering if this is the right time to move. But here’s what you need to remember. While recent events do have some impact on the housing market, they don’t take buying off the table. You just have to use a different…
When Buying a Home Feels Out of Reach, Some Families Do This Instead
For a lot of people, the math on buying a home just doesn’t really work right now. Maybe that’s how it feels for you too. You look at the cost of buying. Then you look at the cost of childcare. And it starts to feel like you have to choose one or the other. But some…
Thinking About an Adjustable-Rate Mortgage? Here’s What You Need To Know.
If you’ve been looking for a home lately, you’ve probably felt how tough affordability still is. And that’s exactly why more buyers are opting for adjustable-rate mortgages, or ARMs. Here’s what you need to understand about how they work, and whether they make sense for you. What Is an Adjustable-Rate Mortgage? Since a lot of people…
Rates Are Moving… But So Is Opportunity
Inside Lending For the week of April 6, 2026 QUOTE OF THE WEEK “Plans are useless, but planning is indispensable.”—Dwight D. Eisenhower, 34th President of the United States NATIONAL MARKET UPDATE Rising inventory and softening prices continue to create more favorable conditions for buyers this spring. While mortgage rates have increased recently, they remain below last…
Your House Hasn’t Sold Yet. Should You Rent It Out Instead?
When your house sits on the market longer than expected, it can get frustrating fast. You start asking: what now? And for a growing number of homeowners, that turns into: should I just rent it instead? While it sounds like a simple backup plan, becoming “accidental landlord” is actually a much bigger decision than most people realize. That’s when someone…
Before You Fall in Love with a House, Do This First.
Be honest. Have you started looking at homes online yet? If you have, it’s already time to get pre-approved. Because here’s what not enough people know. If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – you don’t want to wait until later on in the process to tackle…
Don’t Let Home Prices Headlines Fool You
Spend about 5 minutes online searching for news about the housing market, and odds are you’ll see something pop up about home prices. You may even stumble onto social media influencers saying we’re headed for a crash. Let’s get you the context you need. The truth is prices are going to vary depending on where you…
Before You Fall in Love with a House, Do This First.
Be honest. Have you started looking at homes online yet? If you have, it’s already time to get pre-approved. Because here’s what not enough people know. If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – you don’t want to wait until later on in the process to tackle…
How a Reverse Mortgage Became a Wealth Transfer Tool
Most people hear “reverse mortgage” and think last resort. That’s incomplete. In the right situation, a reverse mortgage can become a tool to preserve other assets, create flexibility, and improve what eventually gets passed on to family. I recently reviewed a past client scenario that showed exactly that. A couple in their 80s had a…
P.S. Can I count on you to contact me if you hear that a friend, family or coworker is looking to buy, sell or refinance? Call/Text 480.553.8770 - We'd be honored to help them too!