Mortgage Blog | Arizona Mortgage Broker

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Choosing Your Location When Home Shopping

The location of your new home will do just as much, if not more, for the future value of your investment as the house itself. It also affects your everyday life. Keep these things in mind when choosing your location. Geography There are many aspects to take into consideration when choosing your future location. Geographically, […]

Plumbing Tip: Check Water Supply Lines

Every toilet and sink in your home has water supply lines that connect to the home’s freshwater system. A toilet will have one supply line and every sink has two – one for hot and one for cold. Plumbing experts encourage homeowners to inspect and replace older, outdated water supply lines sooner than later. Here’s […]

Selling Your Home – Secrets are a No-Go

Nobody likes secrets, especially when it comes to the sale of a house. We’ve laid out a quick guide to help sellers know what they need to disclose. Material Fact material (noun) 5. a group of ideas, facts, data, etc., that may provide the basis for or be incorporated into some integrated work. fact (noun) […]

5 Ideas to Improve Summer Outdoor Living

In addition to rinsing the dust and debris off the pavers and cleaning up tables and chairs, consider some of these ideas to maximize your summer outdoor living experience. 1 | Do something shady Adding extra shade can be a great attraction in your backyard in summer, either for part of your swimming pool or […]

Not All Rates Are Created Equal

The rise of interest rates this year ushered in more and more loan options, news articles and conversations about where rates stand and where they are going. It’s easy to read or hear something with a number like 4%, 5%, 6%. One number doesn’t tell the whole story, whether it’s in the media or when […]

Buyer Super Power – Form of A Cash Offer

“Cash is King” A phrase as old as cash. And a phrase too often heard by realtors representing buyers. It can sting a bit when a buyer loses a bid because they don’t make a cash offer. Now, there’s a solution – The E5 Home Loans “Cash is King” program. It puts a buyer in […]

Seven Ways to Get Tough on Dust and Dirt for Spring

It’s spring and it’s the time of year when you need to remove the dirt and dust. Here are seven suggestions for spring-cleaning at your house: 1 | Deep clean the fridge Give your refrigerator a break and remove dust and dirt that can make it work harder in hot weather. Unplug the refrigerator, then […]

Credit Score: What makes up your FICO score

Your credit score can mean the difference between qualifying for a home loan or being denied. Even more so, it can impact the interest rate you might qualify to receive. So, what makes up your credit score? Your FICO score is a three-digit number generated by a mathematical algorithm using your prior payment history as a benchmark, […]

Reasons why a mortgage application is denied

Redfin recently feature E5 Home Loans’ Owner, Larry Cappelletti in an article on underwriting. Larry’s guest contribution discussed reasons why a mortgage application might be denied. There’s some great info in the following excert and things to watch out for in the process. To read the entire article, visit Redfin Income, assets, and credit history […]

How Much Can I Afford?

There’s common sense and there are lending requirements when you go to determine how much home you can afford to buy. We strongly encourage borrowers to set their own limit on a monthly payment amount before even beginning to get prequalified. By analyzing your budget, income and monthly bills, you will set your comfort zone […]