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When it comes to securing a mortgage, most traditional loan options rely heavily on standard forms of income verification, such as W-2s or pay stubs. But for many individuals with multiple streams of income — like freelancers, small business owners, gig economy workers, or real estate investors — these traditional methods don’t paint a full […]

With so much continued uncertainty in the market, its no secret financing can be difficult. For many aspiring homeowners, the path to securing a mortgage can feel like a daunting and convoluted process. With strict requirements such as W-2s, tax returns, and solid credit scores, traditional home loan programs often exclude individuals with unique financial […]

As previously discussed last week, understanding the difference between a hard pull and a soft pull on your credit is crucial. As a homebuyer, this knowledge can impact your credit score, your loan application, and even your overall financial health. At AZ Mortgage, we’re committed to helping you navigate the homebuying process smoothly, and understanding […]

January is a month of getting things in order, AZM can make this year’s mortgage process smoother and stress-free. How, you ask? Let’s start with a little resolution that’s a game changer for anyone looking to buy a home: No hard pull right away! If you’ve been through the mortgage prequalification process before, you probably […]

This past week has been deeply heartbreaking for so many in our neighboring state of California. We feel the weight of this sadness and know that many of you have loved ones directly impacted. Our hearts go out to each and every one of you. In moments like these, community and love reminds us of […]

With 2025 now in full swing, it’s clear that we’re stepping into another year of economic challenges, particularly in the housing market. As we look ahead, mortgage rates are expected to remain on the higher side, averaging between 6% and 6.5% throughout the year. While there was some initial hope that rates might fall back […]

As we approach 2025, the housing market is set to evolve in response to shifting economic conditions, technological advances, and changing consumer preferences. Here’s a look at the top housing trends to watch for in 2025 and how they might impact the market: Continued Emphasis on Remote Work and Flexible Home Spaces The COVID-19 pandemic […]

Tis the season for financial health, and reviewing your mortgage! As December begins to wrap up, it’s the perfect time to reflect on financial goals for the upcoming year. Investors, seasoned homeowners, first-time buyers alike… tune in so you can start 2025 with a little more cha-ching in your pocket. Why Review Your Mortgage? Your […]