Saturday Strategy
Mortgage FAQ's, did you knows and much more...
How to drop your Mortgage Insurance
I just dropped MI off my house and I thought it might be helpful for you too.
First, you'll need to determine if your loan is eligible for mortgage insurance removal. Generally, if you have reached at least 20% equity in your home, you're eligible.
Link to HomeBot for your home valuation
Once you've confirmed your home has roughly 20% equity, you'll need to request a mortgage insurance cancellation. They will review your request and let you know if you meet the criteria or if they need a property review.If everything checks out. Your lender should remove the mortgage insurance requirement, which will result in a decrease in your monthly payments.
However, it's worth noting that some loans, like FHA loans, require mortgage insurance for a specific duration, regardless of your equity. In such cases, you may need to refinance your loan to eliminate the mortgage insurance requirement.
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?
More Listings. Softer Prices. Steady Demand… This Market Is Different
Inside Lending For the week of May 4, 2026 QUOTE OF THE WEEK “I always arrive late at the office, but I make up for it by leaving early.” — Charles Lamb, English essayist, poet, and antiquarian NATIONAL MARKET UPDATE New listings pulled back slightly following last week’s surge, but the broader trend shows sellers continuing…
Is Late May the Best Time To List Your House?
You may have heard April 12-18 was the “best week” to list your house. That’s based on a report from Realtor.com. But now that it’s passed, you may be wondering if you missed your moment. Here’s the good news – you didn’t. Because the reality is, there isn’t just one perfect week to sell your house this Spring. There’s a window.…
Stay or Sell? How To Make the Right Call as You Age
Wednesday April 30th, 2026 For Sellers, Senior Market, Agent Value, Downsize, Selling Tips At some point, as you start thinking about the years ahead, this question tends to come up: “Could I stay here long-term… or would it make more sense to move?” It’s not always urgent. It often shows up in small moments, like going…
What Realtors Gain by Partnering with a Certified Liability Advisor
Most Realtors already know how important financing is. A buyer can love the house, the location, the floor plan, and the backyard. But if the financing strategy does not fit the client’s bigger picture, the deal can become stressful fast. That is where working with a Certified Liability Advisor can be a major advantage. A…
Think You Have To Put 20% Down? Most First-Time Homebuyers Don’t.
Monday April 28th, 2026 For Buyers,First-Time Buyers,Featured,Affordability,Buying Tips According to Google Trends, online searches for down payment information recently hit an all-time high. And that’s a clear sign more buyers are trying to figure out what they really need to save before making a move (see graph below): If you’re wondering the same thing, you can always turn to…
Lower Rates + More Inventory = A Window Opening for Buyers
Inside Lending – Week of April 27, 2026 QUOTE OF THE WEEK “The trouble with opportunity is that it always comes disguised as hard work.”—Herbert V. Prochnow, U.S. banking executive, writer NATIONAL MARKET UPDATE New listings surged as sellers reengaged, while active inventory continued to build and asking prices softened. The spring market remains increasingly…
3 Things That Are Not Going To Happen in Today’s Housing Market
There’s a lot of uncertainty right now and that’s leading to some dramatic headlines. And if you’re thinking about buying a home, that can make you feel a little less sure about your decision. A recent study by CNBC asked homebuyers what they’re most worried about, and three themes kept coming up again and again:…
Why Financial Advisors Should Care About Mortgage Planning
Most financial advisors spend a lot of time helping clients grow assets, reduce taxes, manage risk, and prepare for retirement. That all matters. But there is one area that often gets ignored, and it can have a huge impact on a client’s financial life. Their mortgage. For many families, the house is one of the…
More Options Are Popping Up This Spring
Did you try to buy a home last year, but you ended up pressing pause? Maybe you couldn’t find a home that really fit your needs. Or maybe the ones you liked just weren’t affordable. According to a recent survey from NerdWallet, those were the top two reasons buyers gave up on their search in 2025.…
Inventory is rising. Rates are stabilizing. And buyers are finally getting something they haven’t had in a while… options.
Inside Lending For the week of April 20, 2026 QUOTE OF THE WEEK “The secret to longevity is ice cream.”—Paul Marcus, American centenarian NATIONAL MARKET UPDATE New listings rebounded strongly following the holiday slowdown, bringing fresh inventory into the market during the peak spring selling window. Buyers are seeing more options at a time when demand…
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!