Down Payment Assistance Blog

Get the latest updates on down payment assistance in Arizona.

Equifax: Personal Data for 143 Million Americans Potentially Exposed

Equifax announced that 143 million users had their personal information compromised this year. Equifax said its systems were struck by a cyber security incident that allowed attackers access to names, Social Security numbers, birth dates, addresses and driver’s license numbers.  In addition, credit card numbers for about 209,000 U.S. customers were exposed as was “personal […] READ MORE

How Do Credit Inquiries Affect My Credit Score?

You have probably had people caution you that anytime someone checks your credit score it will negatively impact your credit. While this issue is more complicated than it seems, there is some truth to this advice. Your credit score is affected in part by the number of inquiries made into your credit history.  If you’re […] READ MORE

What You Need To Know — And Do — To Make The Mortgage Process Smooth

So you want to buy a home?  What do you need to know before you get keys?  As you shop for your dream home, key questions to ask yourself very early in your search include: Are my credit reports accurate, up-to-date and correct? What information will I need to gather to apply to finance my […] READ MORE

When to Use a Co-Signer on a Mortgage

Qualifying for a mortgage is likely going to be one the biggest financial hurdles in your lifetime.  If you have poor credit or are otherwise unable to meet a lender’s requirements to get a mortgage, then getting someone to co-sign your mortgage could be the way to go. If your mortgage lender allows non-occupant co-borrowers […] READ MORE

Cost Savings at Costco

As consumers, we are always (or should be) looking for ways to save a dime.  Many ways American families save money is to shop at a warehouse store.  Costco is one of the popular warehouse stores where you can buy nearly all of your essentials if you’re willing to buy a large quantity. If you […] READ MORE

Don’t Get Scammed By a Mail-Order Mortgage Company: What You Need To Know and How to Protect Yourself

If you recently submitted to have your credit checked for a mortgage loan, specifically to refinance, you might have noticed you received a call or two from a “mortgage professional” looking to help you. You were falling victim to a trigger lead.  What Is a Trigger Lead? Trigger leads are sales leads generated from the […] READ MORE

Get Rid of PMI

Private Mortgage Insurance (PMI) is a mandatory insurance policy for conventional loans which insures a lender against loss in the event that the homeowner stops making payments on a mortgage loan. Mortgage insurance helps people to become homeowners who might not otherwise qualify because they don’t have 20% to put down on a home. When […] READ MORE

Did You Miss Your Opportunity to Refinance?

In just the first couple of months of the year, about 1.4 million borrowers lost the interest rate incentive to refinance according to an analysis from real estate data provider Black Knight. In the opening weeks of 2018 interest rates have surged, making it more expensive to buy and own a home. The benchmark 30-year […] READ MORE

How Emotion and Logic Influence our Home Buying

The internal struggle between emotion and logic is common with home buyers. Everyone wants to buy a home that they love AND that has great features for resale. The challenge for home buyers is to find that perfect balance between what’s practical and what’s charming. People make decisions on both sides of their brains to […] READ MORE

Ways to Save Money as a Homeowner

Homeownership is one of the best feelings you can have as an adult.  It brings you a sense of accomplishment, pride and fulfillment.  But with homeownership comes much more responsibility and stress; making mortgage payments, keeping up with repairs, dealing with higher utility bills to name a few.  By no means is home ownership cheap. […] READ MORE

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