2009 January | Phoenix Arizona Real Estate Blog

Thinking of Buying a Bank-Owned Property?

January 28, 2009 By Justin McHood 3 Comments

For those buyers who are in the process of shopping for a new home, there are some great deals to be had on real estate in the “East Valley”. Some of the best deals that you can find are on houses that may need a little work because they are either a bank owned property or a short sale.

It is not uncommon for a bank owned property to need a little “TLC” before you move in – whether it is a few minor landscaping issues or completely remodeling an entire kitchen.

If you have found a house that you can move into and just needs a little bit of work done, the FHA 203k streamline program is a loan program designed for properties that need improvements done and as a result of those improvements, will see an increase in the value of the home.

The FHA 203k Streamline Program

The FHA 203k streamline loan allows people to purchase a home that is in need of repairs to buy the home using a base loan amount and then have a reserve account set up for the designated repair work. With the FHA 203k streamline program, the money can be paid directly to the contractors from title so that you don’t have to worry about keeping track of the funds.

With the FHA 203k streamline program, you can have up to $35,000 set aside for repairs and while there are a few “extra” steps to the loan, it is not significantly more difficult to qualify for and get approved for a regular FHA loan. You can release up to 50% of the money that is set aside for repairs at closing with the other 50% to be released upon completion of the work.

Common FHA 203k Streamline Repairs

Some of the most common property improvements that people use the 203k streamline program for include:

Remodeling the kitchen
Remodeling a bathroom
Repairing termite damage
New exterior work (stucco)
Replacing plumbing fixtures
New flooring
New roofing
Various landscape improvements

If the total of the repair work that has been done is more than $15,000, then a final inspection by an FHA appraiser is required. If the work is less than $15,000, then no final inspection by an FHA appraiser is required. A mortgage or surety bond may also be required.

If the home that you are thinking of buying needs just a few improvements, the FHA 203k streamline is a great loan program. If the home that you are considering needs major improvements, there is also an FHA 203k loan (not the streamline version) that will allow you to reserve more than $35,000 but it is more in-depth and more difficult to administer and fund.

Arizona Mortgage Rates for January 28, 2009

Filed Under Mortgage FAQ

When Can You Lock Your Rate?

January 20, 2009 By Justin McHood 1 Comment

While it is impossible to know which way interest rates will go in the future, one thing is certain – interest rates are lower now than they have been in recent years. Because of the recent rate drop, many people are wondering “do I lock in a low rate now or wait until later when rates might be lower”? Whether you start the process now or wait until later, one thing to remember – if you aren’t prepared to lock in your rate ahead of time, you might miss out.

The Application Process

Most lenders won’t lock your loan unless you have completed a loan application and have at least a pre-approval that you will qualify for the loan requested. The reason for this is that when you lock your loan, the lender “locks” your loan with their investors and if too many people lock and don’t complete the loan process, it costs them money.

The loan application can be taken over the phone or in person and it usually takes between 30 minutes and 1 hour. You will need to sign a stack of initial disclosures as well as have copies of your drivers license, social security card and other financial information depending on what type of loan you are requesting.

Some lenders charge an application fee (usually less than $500 if they charge one at all), so be sure to ask about an application fee up front. Just because you have completed a loan application doesn’t mean that you have to go through with the loan – it means that you have applied for a loan.

After Application = Lock

Once your application has been completed and reviewed by your loan officer, you can lock your rate at any time. Normal lock periods are 15, 30 or 45 days. Once your rate is locked, your loan can move through the process of processing, underwriting and closing – which recently seems to be taking a couple of weeks on average.

Most lenders will require that your rate is locked prior to going to underwriting – and in a period of uncertainty as to which way rates are heading, it is probably wise to lock as soon as possible in the process.

Locked = Locked

After your rate is locked, whether interest rates go up or down, your rate is “locked”. If rates go up, you will be happy because you have a lower rate. If rates go down – you may wonder “why did I lock in the first place?” A select few lenders may offer something called a “floatdown” where if rates drop, they will allow you to get the better rate – but very few lenders offer this so be sure to ask your loan officer early in the process if they offer a “floatdown” option.

Mortgage rates go up and down every day – sometimes multiple times each day. When buying a home or thinking about refinancing, it is important to focus on your primary objective – to get the best possible rate at the time of locking — and don’t spend energy asking “what if” after you have locked. Once you have been approved and have a rate locked – you are well on your way to moving into your new home (if you are purchasing a home) or getting a lower monthly payment (if you are refinancing)!

Arizona Mortgage Rates for January 20, 2009

Filed Under Mortgage FAQ

Clearwater Hills Home

January 19, 2009 By Candace Leave a Comment

Phoenix Real Estate Clearwater Hills community was platted in 1955 and became one of the first gated communities in Arizona. Clearwater Hills is nestled against the Phoenix Mountain Preserve at its western boundary and a portion of its north boundary. The south, east and the north east community boundary abuts the Town of Paradise Valley. This home was built in 1985, private gated community with mountain views.

We're sorry, but we couldn't find MLS # 4324404 in our database. This property may be a new listing or possibly taken off the market. Please check back again.

Filed Under Mortgage FAQ

Slow Market What Alternatives Do I Have As A Seller?

January 18, 2009 By Candace Leave a Comment

Struggling with a troubled housing market many homeowners will need to consider all their alternatives. Some have optioned to rent their homes or perhaps offer a lease purchase. Both are reasonable options and can help a seller whom might be looking to seek housing elsewhere when relocating, downsizing or upgrading. If your needing to sell your home, then short sales are popular to sell quickly in slow market conditions. Trading houses have even been a means to sell if you can find another seller willing to trade their home with you.

When inventory is high and market is slow sellers must also be sure to be as competitive as possible, starting with the asking price and finishing up with providing the best condition of the home.

It’s not unheard of to include incentives being offered to the prospective buyers to encourage them to finalize the deal. New home builders do this often with private pools, upgrades and more. I’ve even heard of sellers offering to pay for the first three months mortgages and HOA’s fees, offer new appliances packages, vacations and more. Being creative can certainly work but is no guarantee. There certainly is a lot of homes with pools in Phoenix and paying for a pool service for the first six month might just make that buyer pick your home over the guy next door.

Sellers also might consider a home staging service. Home staging specialists will come into your home and help you make the necessary changes to make your home more appealing. Perhaps a color of paint, rearranging rooms or updating areas and freshen up a dark corner.

Having your listing agent visit other listed homes in the neighborhood or the area and see what your competition is and where improvements can be made. Standing out and seeking to be the best available listing is going to attract the buyers to your home. Avoid the top ten mistakes sellers make.

Being realistic with a the market and not over pricing is going to keep you from chasing the market. Chasing a market is the last position you are going to want find yourself in. Be aggressive and listen to the market, know what your home is worth, seek a realtors help. Ask your friend to walk your home, start from across the street and take notes from the curb to the back fence. Take heed, prepare your home for a successful selling experience. It can and will happen!

Can you think of other alternatives or creative ways to sell?

Filed Under Mortgage FAQ

Record Sales in Six Area Zip Codes

January 17, 2009 By Candace Leave a Comment

The holiday season is usually relatively quiet, but six ZIP codes posted record numbers for single family detached home sales during December.

These were: Phoenix zip codes 85035, 85041, Maricopa zip code 85238, Queen Creek 85240, Casa Grande zip code 85294 and Buckeye zip code 85326.

Below you will find the current residential homes on the market for these same zip codes. As well, the most current listings for the week:


Phoenix Homes for sale in zip code 85035		New Listings this week in zip code 85035

Phoenix Homes for sale in zip code 85041		New Listings this week in zip code 85041


Maricopa Homes for sale in zip code 85238		New Listings this week in zip code 85238

Queen Creek Homes for sale in zip code 85240		New Listings this week in zip code 85240

Casa Grande Homes for sale in zip code 85294		New Listings this week in zip code 85294

Buckeye Homes for sale in zip code 85326		New Listings this week in zip code 85326

Filed Under Mortgage FAQ

What is a Discount Point?

January 13, 2009 By Justin McHood 1 Comment

Recently, I have been asked a few times about “when is the right time to pay discount points to buy the rate down?” which I find odd considering that rates are at historic lows. Regardless, I decided that there might be enough interest in the ins-and-outs of discount points that I would share some generic information about them.

Discount Points – What Is A “Discount Point”?

“Discount point” is a term to describe the amount of money that if you give a lender, they will in exchange “give” you a lower interest rate. 1 discount point = 1 percent of the loan amount. A bona-fide discount point is when the discount point actually “buys down” the rate. It is possible to pay a discount point and not actually buy down the rate, so be sure to double-check that the discount point is actually being used to buy down the rate.

Discount Points – A Rule of Thumb

A good general rule of thumb is that each discount point will reduce the interest rate by about .25%. So if you are offered a 5% rate with no discount points, you could reasonable expect the answer to the question of “what will my rate be if I pay 1 discount point?” to be 4.75%. Again, this is just a rule of thumb, and it is not always the case.

As an illustration, if the par rate were 5% for a 30 year fixed rate mortgage on a $200,000 loan, if you wanted to get a 4.75% rate, it would cost roughly 1 discount point or $2,000.

Discount Points – When They Make Sense

Generally speaking, the longer that you intend to keep the loan, the more sense it may make to buy the rate down. If you are moving into the home of your dreams and planning on staying there for 30 years – then it may be a wise option to pay a discount point – or maybe even two!

Using the above example $200,000 loan, if you paid one discount point, here is what the math would look like:

$200,000 x 5% = $1,073.64 monthly payment

$200,000 x 4.75% = 1,043.29 monthly payment

Difference in monthly payment = $30.35 each month or $364.20/year

Break-even = around 6 years.

So it would seem to make sense to pay a discount point and buy the rate down if you planned on having the loan longer than 6 years in this situation.

Discount Points – When They Make THE MOST Sense

One often overlooked item when negotiating for a new home is the fact that in a buyers market, you can often times get the seller to pay at least one discount point to buy your rate down! If you can possibly get the seller to pay a discount point to buy your rate down, this is when paying a discount point makes the most sense of all — it is “free” to you and it will help lower your mortgage payment by hundreds of dollars each year!

If you are in the process of getting a mortgage, be sure to ask your Realtor and mortgage professional if they think that it makes sense to pay discount points in your situation. See if they know the “rule of thumb” where each discount point should reduce the rate by about .25%. See if they “normally” try to negotiate for the seller to pay discount points if you are planning on being in the mortgage for a long period of time (if not, negotiate for other things for the seller to pay that will save you more money).

And what if when you ask about discount points, they look at you with a blank stare?

We would be happy to go over our-little-discount-point-secrets with them too.

Arizona Mortgage Rates for January 13, 2008

Filed Under Mortgage FAQ

Gilbert’s Own Will Surely Be Missed

January 11, 2009 By Candace Leave a Comment

Gilbert, Arizona sadly has lost one of their own, Talmage Dennis Barney (62). As most of you know T. Dennis Barney passed away January 5, 2009. His viewing is this evening at their family home on Honeysuckle and the funeral will be tomorrow morning. Details shared at the bottom.

I had the privilege to know Dennis, Ann and children as a member of same congregation where we attended church in Gilbert. Both Dennis and Ann are amazing individuals and just to be a small acquaintance many years ago was enough to know the pillar of strength of this giant of a man!

My very first encounter meeting Dennis was back in 1980 when my husband and I were purchasing carpet for our very first home. He owned and operated the Carpet Company in Mesa, Arizona. Being a newly wed bride, I didn’t know many in the construction industry, however my husband at the time knew Dennis already working with him on various construction jobs that Dennis had his ties too.

His career spanned banking, custom-home building and land development, and he held leadership positions with the United Food Bank and Greater Phoenix Economic Council. Dennis Barney’s companies, CDB Properties, The Carpet Company and Landmark Properties, were part of a multi-faceted development undertaking he started after going into a mobile home park business as a young man with his father. Dennis teamed with other developers to build such fashionable communities as Val Vista Lakes, Circle G Ranches and Gilbert’s new mall, San Tan Village.

His most celebrated work began in 2005 when he and the Mormon Church accomplished a task that the City of Mesa had not been able to do for decades: turn a blighted neighborhood into a gateway for tourists and visitors headed to the historic temple. Barney quietly spent nearly $4 million to purchase and refurbish 21 houses over four years in the area just east of Mesa’s original square-mile town site.

I, personally will remember Dennis with his kindness toward the youth of the church, he kindness to help others, willingness to take a minute of his busy schedule to acknowledge you, he truly was a Godsend to this earth and will be greatly missed. Dennis and his family gave so much to the Gilbert, Mesa community and surrounding cities, his name will be forever remembered with all that he gave unselfishly.

Carol McCormick, president of the Mesa United Way is quoted saying, “He is one of a kind,…He was not only a donor of money, he spent a lot of his personal time helping young people to make prudent decisions in their lives. He found it meaningful to help guide young people into adulthood and counsel them in making good decisions. He believed very strongly in helping others in the community. He had a great heart.”

Landmark Properties had been one of the United Way’s Cornerstone Companies, meaning that it paid for fundraising and administrative costs so more of the charity’s revenue is distributed directly to agencies.

Dennis’s family has set up a tribute with a family blog in his honor to have those who knew him over the years to share of your memories of Dennis. I hope you take a moment to share any thoughts or comments that will help relieve some of the pain and loss the Barney family is experiencing.

The words that come to mind of the fine man Dennis was and will live on through his legacy is stellar, pillar, solid, friend, father, husband, brother, volunteer, service, Christ like, giver, gently, big as life, love, fellowship, passionate, but mostly his love of God, Family and his fellow man. If we can only take one of many examples he touched our lives with through the years he shared his life with us, this world would be a better place.

My condolences go out to Ann Barney, their children and loves ones that your pain will be softened by the wonderful memories of a father, husband, brother, son, friend, co-worker, partner . May his example be a lesson to the entire community that Service to your God, your fellowman, the love of family weighs more in your legacy than any riches. Dennis was the richest man I know! Thank you for the flicker of a moment you touched our lives.

Sincerely, Candace, (David) Cory, Kip & Karly Robinson

A viewing will be held from 5 p.m. to 9 p.m. Sunday, at the Barney home, 1075 N. Honeysuckle Lane in Gilbert. Funeral services will be held at 11 a.m. Monday at the Val Vista Stake Center, 1005 N. Voyager, Gilbert. The funeral service also will be broadcast at the LDS Institute of Religion, Tempe, Arizona University Stake, 1000 W. McAllister Ave., Tempe; LDS Chapel, 1150 E. Guadalupe Road, Gilbert; and LDS Chapel, 1483 N. Driftwood Drive, Gilbert. In lieu of flowers, the family requests donations to the United Food Bank at (480) 926-4897, Arizona Interfaith Movement at (602) 261-6704, or General Missionary Fund of The Church of Jesus Christ of Latter-day Saints.

Other sites to support the Barney family:

Filed Under Mortgage FAQ

Buying A Home Using A Reverse Mortgage

January 6, 2009 By Justin McHood Leave a Comment

Starting January 1, 2009 FHA announced it’s newest program for Seniors who are buying homes – the FHA HECM for Purchase program.

The FHA HECM for Purchase program is designed to help seniors move into a house that they intend to occupy as their primary residence with “some” (as in more than a little) money down and once they have put the money into the house, they no longer have to make a mortgage payment as long as they live in the house.

Lets look at the following scenario as an example:

You find a house that has an appraised value of $150,000.
The seller is willing to sell you the house for $100,000 (not uncommon in today’s market).
You were born on January 5, 1947 – which means that you are now 62 years old

If you were to buy a house using the FHA HECM for Purchase reverse mortgage program, you could put down $22,450 and never make another mortgage payment as long as you live in your home.

Sound too good to be true?

If you are 62, it isn’t!

One of the most common questions about the HECM for Purchase program is:

“If the appraised value of my new home is $150,000 and the purchase price is $100,000 because I got a ‘good deal’ on my house, which one will the HECM for Purchase program use?”

And the answer to that question is that under the HECM for Purchase program, the MCA (Maximum Claim Amount) is the the lesser of the home’s appraised value or the FHA mortgage lending limit. MCA, not the actual sales price, is used to determine the proceeds from a HECM reverse mortgage.

The FHA HECM for Purchase program is new as of January 1, so it will take some time for it to become a “common” financing alternative – but with more and more people in the baby-boom generation turning 62 every day, it is sure to become popular!

Arizona Mortgage Rates for January 6, 2008

If you are looking to purchase a home in Arizona and wanting an adult active living, please check out the following Adult Communities:

Filed Under Mortgage FAQ

Seven Things About Me You Don’t Need To Know!

January 5, 2009 By Candace 6 Comments

Well, it didn’t take long until my good local friends challenged me to a ‘Meme – of 7 Things About Me You Don’t Know’ to share with others and it can’t be about real estate. For those new to the Meme concept, it’s basically a ‘show and tell or tag you’re it’ – much like on a school playground. Show and tell was more of a favorite of mine, while a youngster I was allowed to bring something unusual or different to school to share with the other school mates. Tag you’re it just wasn’t my style, that required chasing and be chased (something I would enjoy more now than then). With that being said, I can thank my good Mortgage Buddy, Justin McHood for the tagged Meme challenge, remind me some time Justin, I owe you one.

It’s a real challenge for me to share things about me that someone might find interesting, unusual or unique. I’ve done previous meme’s however this seems like this meme chain is pretty serious as I took the time to read several of the others tagged and they did a fine job sharing some interesting, unique and fun things. I will see if I can captivate your attention and you might feel inclined to read to the end. Did I mention I owe Justin…thanks buddy…(not)…

What is it that you might find interesting that you don’t know about me?

One:

Did you know that I love sports and taught myself how to play tennis at the age of 11 years old and used the back of a super market wall as a back board. I played for school teams and eventually I was good enough to play locally in Inter-clubs and team tennis and played almost every resort in the Phoenix valley. Several years later I taught tennis at a local college for a credited P.E. class. My wish is to return back to playing tennis this year as one of my 2009 resolutions competitively.

Two:

Did you know that I was married at the young age of 17 years old and graduated from Mesa High School with my husband’s last name. The best part was that I no longer required a parents note to excuse me from a missed (ditched) day of school. I had the authority to write myself a note and hand it over to the Principals assistant, that surely gave me a few grins back in the day!

Three:

Did you know that I have a true passion to teach, even though I had never attended enough college to get a full degree, I love to learn and teach! I was able to obtain an Arizona Provisional Teaching Certificate so that I could teach credited classes. I have worn many hats over the years and taught classes in many capacities. I’ve taught tennis as mentioned above, and for that same college I taught Country Line dancing for classes with over 50 people in attendance. I have taught with both the City of Mesa and Town of Gilbert Parks Programs in Country Line/Country Two Step classes for Adults. I’ve taught and trained in a mentoring position while working with the airlines (previous to real estate), I’ve taught Art classes to both adult and children and find it very rewarding and challenging. I so enjoy working with others and sharing what I know.

Four:

Did you know that I can field a team in most sports with the size of my family? I have a total of 13 siblings in my family, including me. I have seven brothers and five sisters, it includes His, Hers and Ours! So you could just imagine a very loud and crowed family gathering. And, I am exactly in the middle, six older and six younger. I’m loved by all of them (most of the time). See I was never asked to pick sides.

Five:

Did you know that when I was a little girl I always thought it would be glamorous to be stewardess ( yes, I’m that old to know they are flight attendants now)? Yes, some how that seemed like the most glamorous job and so eventually when the opportunity presented itself, I applied to work for our local town airlines, at the time America West Airlines (now US Airways). I started with the CSR position that allowed me to work with the passengers while checking in and boarding them. I enjoyed working directly on the front line most of the time. I learned a lot about customer service in which I pride myself on with working with clients now, it’s super important to me to provide what all customers want, service, integrity and to provide the truth. In the airlines, often times it required to sugar coat the operation and for me that was the most difficult as that isn’t my personality. I am a straight forward kind of gal and what you see is what you get! I worked in several capacities while with the airlines for 11+ years, one position was working in our Employee Programs working with the director and managers. This required me to organize, set up blood drives, events and reward ceremonies for 1200 employees at a time. I enjoyed working for the people, allowing them the fun environment and allow them to be appreciated by the company as a whole. I eventually went into Real Estate full time and certainly do miss the free flight benefits that were the greatest part of the package!

Six:

Through the Years!

Did you know that I have three amazing grown children, but no grand babies yet? Yes, it’s true…we started our family immediately after our big church wedding. I have extremely talented, polite and wonderful kids. My oldest son, Cory (28) graduated from college and is working in the Video Gaming industry as a gaming artist. He often helps me with sharing tips on my journey to learn Photoshop CS3…it’s great to have that resource in the family. My second son, Kip (26) ventured into the world two months early and has been letting us know at every opportunity that he has arrived!! He is the hit of the party, class clown and loved by everyone he meets! Extremely talented with his hands, an artist in his own right. His personality, quick witted charm will leave you deliriously happy and laughing hysterically. He is tender to the old, young and in between. He gives freely of his time and always willing to provide service to those in need. One of my finest moments was when we were blessed with our ‘bonus’ nine years later with a sweet ‘pink’ baby girl, Karly (almost 18, "Mom")! She is just finishing her senior year at Highland High School and is amazingly talented and following her grandparents, fathers and brothers footsteps. She is artistic and has the vision to create anything on the computer and through the end of a camera lens. She is athletic and beautiful, she is sweet and every bit of a teenager. I don’t have those grand babies and look forward to the day I get enjoy them…we often joke who might be the first. My bet’s on Karly…..after college (right Karly?)… I’m the proudest Mom ever and honored to have great kids making great choices in today’s world!

Seven:

Did you know that seven things you didn’t know about me was difficult and to truly know me you would have to be around me. I have so many interests and desires to explore. I love to play sports, golf and tennis are my favorite anymore (Gay Potter and I played balled many moons ago). I love to dance and Country Dance was something I taught myself with the help of a dance partner of course, however I’ve lost that love for country music. I enjoy entertaining friends and family with BBQ’s to enjoy the night away! I love to travel, blog, design, learn, read and crave laughing with friends! I love to camp,freshly fallen snow, moonlight, sandy beaches and salty ocean waves and decorating for the holidays! But mostly, I love being a Mom, friend and Realtor.

So there you have it and if you made it this far you have managed to get through it like I did. Now the instructions I have from Justin is to list the rules and tag seven more victims. Don’t blame me, blame Justin McHood for being so clever. So, have fun and follow the rules:

Link your original tagger(s) and list these rules in your post.
Share seven facts about yourself in the post.
Tag seven people at the end of your post by leaving their names and the links to their blogs.
Let them know they’ve been tagged.

Debra Davis – Atlanta Real Estate

Jay McGillicuddy – New Hampshire Real Estate

Teri Ellis – Mesa Real Estate

Christopher & Stephanie Somers – Philadelphia Real Estate

Craig Rutman – North Carolina Real Estate

Bobby Carroll – Emerald Isle, NC Real Estate

John Wake – Scottsdale Real Estate

May you have a Happy, healthy and prosperous New Year!

Filed Under Mortgage FAQ

Credit Scores and Mortgage Loans: What Is The Minimum FICO Score?

January 2, 2009 By Justin McHood 6 Comments

Many people I talk with have had a few issues with their credit in the past. Maybe an unpaid cell phone bill that went to collections, a few lates on a credit card, some have even filed bankruptcy in the past. Usually, if someone is worried about their credit, they will ask at some point in our first conversation “what is the minimum credit score that you can have and still get approved for a loan?”

While the official guidelines for credit scores are not hard and fast, here are the general rules of thumb for the various loan programs:

FHA/VA loans = 580 or higher
USDA loans = 620 or higher
Conventional loans = 720 or higher

Where Do You Stand With Your Credit?

Do credit scores matter when applying for a loan?

You bet they do. Maybe more now than in any time I can remember. Just today, I received information from Chase that they would no longer be doing any FHA/VA loans that had a credit score below 620. While this is just one lender, I think it is safe to say that lenders are tightening credit score requirements and if anything, you will need a higher credit score in order to qualify for a loan in the future.

Which Score Counts?

When a lender “pulls your credit” they will usually check with the three credit bureaus: Equifax, Experian and Transunion. Each bureau has slightly different weighting systems to arrive at a single score, so it is important to consider all three. The one that most mortgage lenders look at?

The middle score.

This is also called your mid-fico score. For example: If Equifax reports that you have a 524, Transunion reports that you have a 623 and Experian reports that you have a 603 – the mortgage lender will use the 603 number.

Is a 603 good enough to qualify for an FHA loan?

It depends. Credit score alone doesn’t allow you to qualify for an FHA loan, there are other things that are taken into consideration such as job history, income, debt levels, etc. But in today’s world – at least at most lenders – a 603 credit score will not eliminate you from consideration.

Mortgage Rates For January 2, 2009

If you have any mortgage questions for Justin & Tammy McHood feel free to forward any questions by submitting the form below:

If you are looking for information on buying Arizona Homes for Sale give me a call at (480) 202-3558 – It’s a great place to live, work and play! Arizona offers so many indoor and outdoor activities.

Filed Under Mortgage FAQ

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Where Do You Stand With Your Credit?

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The middle score.

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