What to Look for in Your Real Estate Team

How do you select the members of your team who are going to help you make your dream of owning a home a reality? What should you be looking for? How do you know if you’ve found the right agent or lender? The most important characteristic that you should be looking for in your agent […]

Be Careful Not to Get Caught in The Rental Trap

There are many benefits to homeownership. One of the top benefits is being able to protect yourself from rising rents by locking in your housing cost for the life of your mortgage. Don’t Become Trapped  A recent article by ConsumerAffairs addressed the continuous rise in rents, stating: “The cost of putting a roof over your head continues to go […]

The 5 Greatest Benefits of Homeownership

Recently, Freddie Mac reported on the benefits of homeownership. According to their report, here are the five benefits that “should be at the top of everyone’s list.” Homeownership can help you build equity over time. Your monthly payments will remain stable. You may have some tax benefits. You can take pride in ownership. Homeownership improves your community. Let’s expand […]

The Importance of Home Equity in Retirement Planning

  We often discuss the difference in family wealth between homeowner households and renter households. Much of that difference is the result of the equity buildup that homeowners experience over the time that they own their home. In a report recently released by the nonpartisan Employee Benefit Research Institute (EBRI), they reveal how valuable equity […]

What is not in a Credit Score

Ever wonder what information is not allowed to be used in calculating your credit score?  Federal laws including the Equal Credit Opportunity Act and Consumer Credit Protection Act prohibit certain things from being factored into credit scores. Such things include: Race, color, religion, national origin, sex and marital status. United States law prohibits credit scoring […]

Is Now a Good Time to Rent?

People often ask if now is a good time to buy a home, but nobody ever asks when a good time to rent is. Regardless, we want to make certain that everyone understands that today is NOT a good time to rent. The Census Bureau recently released their 2017 first quarter median rent numbers. Here is a graph […]

Collections: How to validate that it’s yours

You get a copy of your credit report and you find a collection, however you do not know anything about it…..what do you do? Ask for a Validation Notice.   A debt collector must send you a validation notice within five days that explains how much you owe and to whom you owe the debt.  When […]

How are credit scores created?

Credit scores are based on a consumer’s credit record maintained by the credit reporting agencies. Computers are used to analyze a person’s credit report data in order to generate a statistical number, referred to as a credit score. This number is used as an indicator to the likelihood a person will pay the loan back. When […]

Homeownership Is a Good Financial Investment

According to a recent report by Trulia, “buying is cheaper than renting in 100 of the largest metro areas by an average of 33.1%.” The report may have some people thinking about buying a home instead of signing another lease extension, but does that make sense from a financial perspective? Ralph McLaughlin, Trulia’s Chief Economist explains: “Owning a home is one […]

3 Things to Understand When Using Hashtags

Rules for hashtags You may not have any idea why anyone would need a hashtag.   Why?  A hashtag is a way to gain visibility on platforms like Twitter and Instagram. When a person types in the keyword of your hashtag or conversation, the topic is easier to find.  A hashtag can be used for […]

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1­877­276­1974. Copyright 2017. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; WA: Washington Consumer Loan Company License No. CL­145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Karen Jones is a licensed loan originator at AmeriFirst Financial.,Inc. Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral.

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