InfoGraphic: The Mortgage Process

    Karen Jones is a Licensed Mortgage Loan Officer (NMLS 307015) serving Arizona and California.   As a Banker of over 39 years, she is dedicated in ensuring that her clients are well educated and prepared for their new home purchase.  

The Foreclosure Crisis: 10 Years Later

CoreLogic recently released a report entitled, United States Residential Foreclosure Crisis: 10 Years Later, in which they examined the years leading up to the crisis all the way through to present day. With a peak in 2010 when nearly 1.2 million homes were foreclosed on, over 7.7 million families lost their homes throughout the entire […]

Mortgage Standards Easing TOO MUCH? NO!!

There is no doubt that getting a mortgage is easier today than it was right after the housing crash a decade ago. However, the easing of credit availability has led to some questioning of whether or not we are headed for another housing crisis. Let’s put everything into the proper perspective. Mortgage Credit Availability Over […]

3 Crucial Questions Most Home Buyers Don’t Know the Answer To…DO YOU?

Whether you are considering the purchase of your first home or trading up to the home your family frequently fantasizes about, there are three crucial questions you must know the answer to: 1.      What is the minimum down payment required to purchase a home? 2.      What is the minimum FICO score required to qualify for […]

3 More Common Credit Myths

The media, newspapers, internet are full of information, but sadly, much of the information concerning credit is inaccurate.   Please enjoy this article provided by:  Sal Bonanno Prime National, Inc. Main: 855.278.3578 Direct: 646.283.2783 www.PrimeNational.com Let’s check out some common credit myths: Credit Myth: “Multiple credit inquiries will hurt your score, each and every time.”  In older […]

TRID- What Consumers Need to Know…..

New Federal Home Loan Disclosures start on October 3, 2015 and consumers do need to know what it is all about.  Here are a few videos that touch on the new regulations so you can be informed.  TRID (TILA / RESPA Integrated Disclosure Rule) requires lenders to create disclosures that provide a clearer understanding of […]

Concerned About TRID?

  We have the Home Loan Program to resolve your TRID closing concerns!   With our Protect Your Transaction (PYT) service, your homebuyer will have their credit approval completed upfront, with built-in protection just for them.  PYT Transactions have smooth closings and loan documents are delivered to Title early, as it an extremely efficient way to […]

Annual Credit Reports

  I thought you’d find the following information about AnnualCreditReport.com of particular interest. It is the official website established through the Fair Credit Reporting Act mandating that the three credit reporting repositories allow consumers free access to their credit reports once every 12 months. I accentuate the word “free” here because there are several websites […]

FHA Lowers MI Premiums

  President Obama announced lower MI Premiums for FHA Home Loans in January 2015. This is welcome news for both new home buyers using FHA as well as existing FHA homeowners wanting to lower their monthly payments.  The Scotsman Guide has a great article for you to learn more about this update to the FHA […]

USDA- New Eligible Areas

USDA has made changes to the eligible areas and it has affected some of our rural areas in Arizona. Please take a look at the map below. Rural Area Changes effective 10-1-14   USDA is a wonderful loan program for our home buyers purchasing a home in the rural areas of our state.  It allows […]

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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