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In today’s ever-evolving financial landscape, many homeowners are noticing a surge in emails from mortgage companies with offers to lower their interest rates. If you’ve received one of these enticing letters, you might be wondering why they’re flooding your mailbox and how to navigate these offers effectively. Let’s dive into the reasons behind this marketing […]

As we approach the Federal Reserve’s next meeting in two weeks, expectations are high that the Fed will cut rates by at least 0.25%. With the anticipation of lower mortgage rates driving enthusiasm, many consumers are considering waiting for these cuts to take effect. However, this strategy might not yield the benefits you expect. Here’s […]

When it comes to securing a mortgage, one of the most strategic moves you can make is utilizing a rate lock. At AZ Mortgage, we understand that navigating the world of home loans—whether for a new purchase or a refinance—can be complex. That’s why we offer our clients the ultimate advantage with rate locks, ensuring […]

Congratulations, new homeowner! The keys are finally in your hands, and you’re ready to start making that house your home. But before you get too carried away with decorating and unpacking, it’s essential to ensure you have a well-stocked toolkit for your move-in week. This isn’t just about unpacking boxes—it’s about setting yourself up for […]

When it comes to purchasing a For Sale By Owner (FSBO) property, the process can be both exciting and challenging. FSBO homes are properties sold directly by the owner, bypassing real estate agents. While this can potentially save you money on agent commissions, it also means you’ll need to navigate the buying process more independently. […]

Reverse mortgages have long been a financial tool for seniors looking to access their home equity while continuing to live in their homes. However, recent updates and innovations in reverse mortgage products have made this option more flexible and appealing. Here’s a deep dive into recent updates: What Is a Reverse Mortgage? A reverse mortgage […]

In the ever-evolving world of real estate and finance, timing is everything. Whether you’re contemplating refinancing your existing mortgage, purchasing a new home, or exploring innovative loan options, there’s never been a better time to revisit your mortgage strategy. Here’s why acting now could be your smartest move yet and how you can make the […]

Recent research from Polygon sheds light on a significant financial advantage for those who choose to work with independent mortgage brokers. For loans originated in 2023, consumers working with an independent mortgage broker could save an average of $10,662 over the life of their loan compared to those who go through nonbank retail lenders. Here’s […]