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!

*Disclosure

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?

Buying Before You Sell in Arizona? Here’s How a Loan Recast Can Lower Your Payment

By Kevin Brierton Team | August 11, 2026

If you’re navigating the Phoenix or Scottsdale housing market right now, there’s a good chance you’re facing a timing problem: you found your next home, but your current one hasn’t sold yet. It’s a common situation in today’s market. Valley inventory has climbed and homes are sitting longer than they did a few years ago,…

How Arizona Homeowners Can Use a 3-Ladder Strategy to Pay Off a Mortgage and Fund Retirement

By Kevin Brierton Team | August 5, 2026

Many Arizona homeowners approaching retirement face the same question: Should I focus on paying off my mortgage or building more retirement income? A three-ladder strategy may provide another option by coordinating home equity, mortgage payments, liquidity, and retirement planning. Ladder 1: Generate Income Today The first portion of available funds may be placed into an…

Inside Lending header Aug 3, 2026 edition

FED holds rates – Buyers Just Got More Leverage — Inventory Rises, Payments Ease

By Kevin Brierton Team | August 3, 2026

FOR THE WEEK OF August 3, 2026 QUOTE OF THE WEEK “The elevator to success is out of order. You’ll have to use the stairs… one step at a time.”—Joe Girard, American salesman, motivational speaker, and author NATIONAL MARKET UPDATE Homes sold one day faster than a year ago for the second time in four…

Metro Phoenix homebuying guide cover image

The 10 Steps to Buying a Home in Metro Phoenix (And Where Most Buyers Trip Up)

By Kevin Brierton Team | July 28, 2026

The 10 Steps to Buying a Home in Metro Phoenix (And Where Most Buyers Trip Up)

Inside Lending slide with headline and headshot

Housing Inventory Just Hit a Level We Haven’t Seen Since 2019

By Kevin Brierton Team | July 27, 2026

FOR THE WEEK OF JULY 27, 2026 QUOTE OF THE WEEK “The only place success comes before work is in the dictionary.”—Vidal Sassoon,  British hairstylist, entrepreneur, and philanthropist NATIONAL MARKET UPDATE Active inventory remained above 1.1 million homes for the fifth consecutive week, the longest stretch since November 2019. New listings rose 1.6% annually, while…

Black calculator and pen on closed cream notebook

The House That Started It All Could Kickstart What’s Next

By Kevin Brierton Team | July 23, 2026

Are you ready to upgrade from your starter home? The market is showing signs of change, with more move-up homes becoming available. While starter homes remain in short supply, the overall housing market is climbing, offering new opportunities for buyers. Don’t miss out on this chance to find a home that suits your needs and lifestyle.

Inside Lending newsletter cover about mortgage rates

Mortgage Rates Hit an 11-Month High — Here’s What It Means for Your Next Move

By Kevin Brierton Team | July 20, 2026

FOR THE WEEK OF JULY 20, 2026 QUOTE OF THE WEEK “Price is what you pay, value is what your get.”—Warren Buffet, American businessman and philanthropist NATIONAL MARKET UPDATE New listings bounced back after the holiday week, rising 2.4% from a year ago. Active inventory remained above 1.1 million homes for the fourth straight week…

Aerial view of suburban houses and lawns

More Homes, Better Prices: A Buyer’s Summer

By Kevin Brierton Team | July 20, 2026

If you’ve thought about buying a home in the past few years, you may have run into two frustrations: asking prices that kept climbing and too few homes to choose from. In many places, both sticking points are letting up this summer, with lower asking prices and more homes for sale. Let’s look at the trends, and what they…

Hands holding small white house model

14 Years Running: Why Real Estate Is Still America’s Favorite Investment

By Kevin Brierton Team | July 16, 2026

Americans have consistently favored real estate as their top long-term investment for 14 years, proving its resilience through market fluctuations. This enduring preference is fueled by its potential for wealth building and equity accumulation.

Two-story gray house with front porch

Think Nobody’s Buying Homes Right Now? Think Again.

By Kevin Brierton Team | July 15, 2026

If you’ve been thinking about selling, you’ve probably seen plenty of headlines suggesting buyers have just about disappeared. But there’s a big difference between a slow market and a stalled one. Yes, mortgage rates are still higher than most people would like. Homes aren’t selling as fast as they were. And every week seems to bring…

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!