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Mortgage Advice

Down Payment Assistance

I have been in the mortgage industry for 24 years and working for financial institutions since my Junior year in high school. Banking, auto loans, credit cards, obtaining a mortgage has always been second nature to me. Never questioned anything. I have always had the “RIGHT ANSWERS” at my finger

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Mortgages: Getting Started

I Want to Buy a House What Should I Do?

“The American Dream” – Home Ownership, everyone is chasing it, but few approach it correctly. The majority of American’s believe purchasing a home is the single biggest transaction they will make in their lifetime. They are wrong! The home loan you “purchase” to buy the home is the single largest

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Mortgage Programs

Fixed Rate vs Adjustable Rate Mortgage

Should I get a Fixed Rate Mortgage or an Adjustable Rate Mortgage (ARM)? Since the “Financial Crises”, the “Mortgage Melt Down”, the “Great Recession” Adjustable Rate Mortgages (aka ARM’s) are just not what they used to be. The ARM was one of the culprits of the Financial Crises. It was

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Mortgages: Getting Started

What is Your Credit Score?

What is a credit score?  Yes, it is a mysterious three-digit number that can keep you form buying a car, getting approved for a mortgage or determine your Auto Insurance rate. Banks, lenders, insurance companies and even employers use credit scores to if you are reliable and will make your

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Mortgage Advice

A Good Time to Buy

We have reached the end of another year. I have been getting bombarded with financial news, housing data and predictions for 2020. I have seen many Facebook post recently, “Study: Arizona No. 2 most affordable state in the U.S.”  “Value of Tucson homes rise at second highest rate in US”,

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Mortgages: Getting Started

Buying Down Your Mortgage Interest Rates

Some existing and prospective homeowners out there are fixated on obtaining the lowest possible rate even if it means paying out of their own pocket. Most borrowers opt for a higher mortgage rate to help pay for closing costs when buying a home, while some savvy homeowners will pay a one-time

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Responsible Home Ownership

Responsible Home Ownership

We often here industries, motivational speakers, law enforcement and many other throw around the word RESPONSIBLE. It is catchy, makes you stop and listen. It is that word like nails on a chalkboard. We all heard it from our parents, “Take responsibility for your actions”, “When are you going to

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Mortgage Programs

Is a 15 Year Mortgage Right for Me?

This is a great question and we need to look at the numbers, facts and trends to determine if a 15-year mortgage is right for you. Results of a study completed in 2018 – Americans retain their primary residence for an average of 13.8 years. What does this mean? By

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