Saturday Strategy
Mortgage FAQ's, did you knows and much more...
New Build Financing Insights
In the current market, some new build lenders offer substantial credits to lower interest rates. While this may seem appealing, it's crucial to evaluate the long-term implications. We recently reviewed a client's loan estimate with nearly $40,000 in credits to reduce interest rates, but the home's price was only $380,000. Essentially, they were paying almost 10% more for the house upfront. Yikes! Check out this weeks Saturday Strategy Video
Check this out... the Annual Percentage Rate (APR) exists to reflect the true interest rate. In some cases, it can be deceptively high, around 11 to 13%+, due to excessive upfront costs.
Don't rush into decisions. The lowest rate with the wrong strategy can cost you thousands.
Using Real Estate to Build Wealth Without Selling Stocks
How Arizona homeowners can leverage real estate while keeping their investment portfolios intact. What if you could invest in real estate without selling your stocks, liquidating retirement savings, or disrupting your long-term investment strategy? For many Arizona homeowners, the opportunity may already exist in an asset they own: their home. As a Certified Liability Advisor,…
Fed Holds Firm as Sellers Stay Put
Inside Lending FOR THE WEEK OF November 2, 2026 QUOTE OF THE WEEK “Great things are done by a series of small things brought together” — Vincent van Gogh, Dutch painter NATIONAL MARKET UPDATE New listings declined 1.5% year over year as sellers grew more hesitant to enter the market. With fewer fresh listings, Realtors…
The Fed meets Wednesday. Inventory Climbs. Rates Ease Slightly.
FOR THE WEEK OF October 26, 2026 QUOTE OF THE WEEK “Well done is better than well said.” — Benjamin Franklin, American polymath, Founding Father of the United States NATIONAL MARKET UPDATE Active inventory jumped 7.7% year over year, its fastest growth since January. Unsold homes continue accumulating as buyer activity slows, giving motivated buyers…
Fewer Listings, Slower Sales, and Rates in Focus
Inside Lending – Week of October 19, 2026 QUOTE OF THE WEEK “The future depends on what you do today.” — Mahatma Gandhi NATIONAL MARKET UPDATE New listings fell 5.1% from last year, the sharpest decline since winter. Fewer homeowners are listing, but homes aren’t selling quickly enough to reduce inventory. Sellers must price…
More Homes, Softer Demand, and a CPI Test for Rates
With active inventory rising 6.7%—the fastest growth since February—shoppers now have more options and stronger negotiating power in the housing market.
Renovate or Relocate? What Phoenix-Area Homeowners Should Know Before Deciding
You have spent years making your house feel like home. Maybe you raised kids here, hosted every holiday, and know every neighbor on the block. So when you start thinking about the next chapter, it is natural to wonder whether this is still the place you want to spend it. Some homeowners want to stay…
Two Moves That Can Get You Into Your First Home Sooner
For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel further off. But buying your first home doesn’t have to happen to feel like a far away goal. Two choices…
Buyers Gain Leverage as Inventory Climbs and the Fed Slows Down
Inside lending FOR THE WEEK OF October 5, 2026 QUOTE OF THE WEEK “A year from now you may wish you had started today.” — Karen Lamb, British author & illustrator NATIONAL MARKET UPDATE Active inventory climbed 6.3% from last year, the strongest growth in at least six months. September inventory is now just 9.1%…
What Higher Mortgage Rates Mean for Home Sellers
Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too. That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively small change can make a noticeable difference in their monthly payment. So, they’re looking for ways to make the numbers…
Hoping for (or Dreading) a Housing Crash? Here’s the West Valley View
Every few weeks, a buyer tells me the same thing: “I’m going to wait for prices to drop.” I understand why. Phoenix prices climbed fast, and a lot of people feel locked out. A recent Clever survey found 58% of Gen Z buyers are actually rooting for a crash, just so homeownership feels within reach.…
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!