Residential financing in the State of Arizona
first-time home buyers
Not only those who've never owned a home, but anyone who has not had ownership in a residence in the previous three years is a first-time home buyer industry standards. This is an important designation; 1) first-time home buyers have access to competitive programs that should be explored, 2) it is important to work with a mortgage professional who will take the time to ask the right questions, learn about your goals, set clear expecations, and guide you through the home buying process.
Whether purchasing your first home or your fifth, it's important to surround yourself with a great team to help accomplish your goals. I have access to a diverse and competitive set of programs designed to purchase primary residences, second homes or vacation property, and investment properties. A thorough understanding of the process will help to maintain your leverage in the transaction ensuring you accomplish your goals in the transaction.
Together we can determine if the time is right to refinance your existing home loan. With access to real-time MBS and bond pricing you can feel confident in your lock/float strategy. I will use these tools to help you clearly understand the costs, break-even period, and current market trends.