Karen Jones is a Licensed Mortgage Loan Officer (NMLS 307015) located in Phoenix and serving Arizona families with their home lending needs. As a Banker of over 32 years, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home purchase. Learn more about our 100% Financing programs and obtain your Underwriting Credit Approval […]
Credit Approval: Your 1st Step in Buying a Home
November 5, 2018 by ·
In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get Buyer Credit Approved for a mortgage […]
The True Cost of NOT Owning Your Home
October 29, 2018 by ·
Owning a home has great financial benefits, yet many continue to rent. Let’s look at the financial reasons why owning a home of your own has been a part of the American Dream for the entirety of America’s existence. Realtor.com reported that: “Buying remains the more attractive option in the long term – that remains the American […]
What’s Going On With Home Prices?
October 22, 2018 by ·
According to CoreLogic’s latest Home Price Insights Report, national home prices in August were up 5.5% from August 2017. This marks the first time since June 2016 that home prices did not appreciate by at least 6.0% year-over-year. CoreLogic’s Chief Economist Frank Nothaft gave some insight into this change, “The rise in mortgage rates this summer to their highest […]
The Cost of NOT Paying PMI
October 15, 2018 by ·
Saving for a down payment is often the biggest hurdle for a first-time homebuyer as median incomes, rents, and home prices all vary depending on where you live. There is a common misconception among homebuyers that a 20% down payment is required, and it is this limiting belief that often adds months, and sometimes even […]
Home Prices Have Appreciated 6.9% in 2018
September 25, 2018 by ·
Between 1987 and 1999, which is often referred to as the ‘Pre-Bubble Period,’ home prices grew at an average of 3.6% according to the Home Price Expectation Survey. Every month, the economists at CoreLogic release the results of their Home Price Insights Report,which includes the actual year-over-year change in prices across the country and their predictions for the following […]
VA Loans: Making a Home for the Brave Possible
August 30, 2018 by ·
Since the creation of the Veterans Affairs (VA) Home Loans Program, over 22 million veterans have achieved the American Dream of homeownership. Many veterans do not know the details of the program and therefore do not take advantage of the benefits available to them. If you are a veteran or you know someone who is, here is a […]
4 Steps to Follow When Presenting an Offer in Today’s Market
August 20, 2018 by ·
So, you’ve been searching for that perfect house to call a ‘home,’ and you’ve finally found it! The price is right, and in such a competitive market, you want to make sure that you make a great offer so that you can guarantee that your dream of making this house yours comes true! Below are 4 […]
Home Inspections: What to Expect- Are they Necessary?
August 15, 2018 by ·
So you made an offer, it was accepted, and now your next task is to have the home inspected prior to closing. Oftentimes, agents make your offer contingent on a clean home inspection. This contingency allows you to renegotiate the price you paid for the home, ask the sellers to cover repairs, or even, in some […]
