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.
Buying Before You Sell in Arizona? Here’s How a Loan Recast Can Lower Your Payment
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
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…
FED holds rates – Buyers Just Got More Leverage — Inventory Rises, Payments Ease
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…
The 10 Steps to Buying a Home in Metro Phoenix (And Where Most Buyers Trip Up)
The 10 Steps to Buying a Home in Metro Phoenix (And Where Most Buyers Trip Up)
Housing Inventory Just Hit a Level We Haven’t Seen Since 2019
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…
The House That Started It All Could Kickstart What’s Next
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.
Mortgage Rates Hit an 11-Month High — Here’s What It Means for Your Next Move
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…
More Homes, Better Prices: A Buyer’s Summer
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…
14 Years Running: Why Real Estate Is Still America’s Favorite Investment
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.
Think Nobody’s Buying Homes Right Now? Think Again.
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!