Locking The Rate

Your rate is either “floating” or “locked”. While a buyer is shopping for a home the terms of the...

Buying Down The Rate

When you are researching mortgages you may come across the term “no discount points” or “Assumes a 1% discount...

Closing Costs

In addition to the down payment a borrower may have to pay closing costs, and inspections fees. It’s a...

VA Loans

There are a variety of loan products and the 4 most commonly used are Conventional and Government Loans like...

USDA Loans

There are a variety of loan products and the 4 most commonly used are Conventional and Government Loans like...

Jumbo Loans

Conventional loans are limited to $484,350 in Pima County.  Anything exceeding that would be considered a “jumbo” loan. Jumbo Loans In...

FHA Loans

There are a variety of loan products and the 4 most commonly used are Conventional and Government Loans like...

Conventional Loans

There are a variety of loan products and the 4 most commonly used are Conventional, FHA, VA, and USDA. Conventional...

Basics of Lending- the 4 C’s

After 18 Years as a lender it amazes me that although the mortgage business is ever changing, the basic...

Adjustable Rate Mortgages

"Get away from me you evil monster" is the look I get when I start explaining Adjustable Rate Mortgages. ...