Category Archives: Mortgage Planning

As the purchase contracts are coming in stronger each month I’d like to summarize a state of the market as we experience it closing 15-20 units a month in North Scottsdale. Keep in mind – there is absolutely NO single real state market in any community, and Phoenix is as diverse of a market that you will find. Our team finances homes from one end of the valley to the other, but in the end, we most often see the cross-section of transactions north of Shea up to Carefree and east of AZ-51 over to the McDowell Mountains. That said, let’s get started… Continue reading →

Probably the question I get most often after someone asks me what I do for a living is, “what is mortgage planning?” I admit, it is an appropriate question… I mean, let’s face it – if half of us had done any mortgage PLANNING in 2003-05 we’d have been in a LOT better shape in 2008-10. But planning is a practice I have learned that very few people enjoy, much less value. As a culture, we have been conditioned to winging it financially and blindly trusting that everything will just somehow work out in the end. Well… I tend to come from the begin with the end in mind viewpoint and I very much embrace the spirit of planning when I introduce my team as a trusted mortgage solution. Continue reading →

During the emotional excitement of buying a home, you may encounter terms with which you are unfamiliar. For some, it can be a bit embarrassing to ask what they consider too many questions. Others may make a note of their questions but simply forget to revisit them. To ensure that you have complete confidence during your home loan process, invest a moment to read this report and become familiar with the concepts and terms you’ll encounter. Knowledge is power and the more you know, the more successful your decisions will be, and the more soundly you will sleep at night having made them. Continue reading →

Ask anyone and they certainly relize that the rules of real estate have changed over the past three years… and some might say for the better while others argue for the worse. Certainly affordability is at all-time high levels while interest rates remain low. Best of all for buyers, there is a large inventory of homes to choose from. But balancing those positives, lending practices are tighter and flexibile financing is incredibly difficult to find due to strict regulations. Continue reading →

As we delve into 2010, many of us are far from out of the housing woods and we need help deciding what to do. One category of homeowners include those of you who need to sell your home in 2010, perhaps to move up… or just to move on. Either way, you need to consider some of the following if you need to sell your exisitng home in 2010… Continue reading →

Recovery won’t be easy, and many of us still find it easier to be the victim. But now that we’ve hit rock bottom, let’s all admit we are addicted to greed. Until we choose a plan that is rooted in integrity, we will never avoid the temptation to buy into the next bubble. That’s right – we need a plan. So I announced the return of the trusted advisor in 2010 and I hope you will follow my plan to get us out of this mess, one good decision at a time. Continue reading →

People get ready… there’s a train a comin. No, I’m not suggesting the light at the end of the tunnel is a freght engine coming to mow you down just when you thought you had survived the great financial crisis of 2008-2009. In fact, I’m not sure we’re really out of the globally economic-challenged woods yet, anyway. More on that later… Right now this train is slowing down and pulling into a station near you, getting refuled, and getting ready to start rolling again very soon. The question is, do you have a ticket to ride? Continue reading →