ARM Reset? How AZM Lending Helps Before the New Payment Hits
About 148,000 ARMs reset in 2026 and the median 2020 7/1 ARM payment jumps $1,066 a month. AZM Lending runs the reset-versus-refinance math before your new payment hits.
Home Affordability
VantageScore 4.0 and Your Mortgage: The Better Score
Two scoring models are now approved for conventional mortgages. Here is how AZM Lending checks both and shops the better score.
USDA Loans: The Zero-Down Program Most Borrowers Overlook
USDA loans offer 0% down and no monthly mortgage insurance, yet most buyers overlook them. Find out if you qualify in Arizona, Colorado, Texas, or Michigan with our 2026 income limit guide.
Existing-Home Sales July 2026: Why Waiting Costs You More
Home prices rose for the 37th straight month even as rates hit 6.75%. Here is the real math on waiting for a lower rate vs. buying now.
FHA Solar Program: Zero Cash to Close + Owned Solar
A new FHA program from Arcasa and AZM offers qualified buyers 3.5% down payment assistance along with a fully owned solar system.
Fed July 2026 Decision: What It Means for Your Mortgage
The Fed is meeting now. Markets expect a hold, but half the committee wants a hike. Here’s what each outcome means for your mortgage rate.
FHA 2026 Loan Limits in Maricopa County: What Arizona Buyers Need to Know
Maricopa County’s 2026 FHA loan limit is $557,750. See how Arizona buyers use the higher ceiling with a real FHA vs conventional payment comparison.
The June CPI Shock: Why Mortgage Rates Just Got a Surprise Tailwind
June CPI cooled sharply, sparking a bond rally. See what it means for mortgage rates, rate locks, and buyers now.