How is Your Credit Score Made Up?

Understanding the makeup of your credit score is the first step toward managing and improving it.  As you might expect, payment history is the most influential component in your credit score, followed closely by the amounts you owe. To lesser degrees, the length of time you’ve utilized credit, the number of new accounts or inquiries […]

When is a good time to rent?

People often ask whether or not now is a good time to buy a home. No one ever asks when a good time to rent is. However, we want to make certain that everyone understands that today is NOT a good time to rent. The Census Bureau just released their second quarter median rent numbers. […]

Rebuilding Your Credit – It’s Not Too Late

  It’s true, negative credit items can remain on your credit report for up to 7 years (up to 10 years for public records, such as a bankruptcy, tax lien or judgment). But this doesn’t mean that you have to wait 7 to 10 years to begin reestablishing a good credit rating. Because credit scoring […]

Is it worth waiting?

First-time homebuyers are flocking to the housing market in greater numbers than any time in the last few years. Renters who are ready and willing to buy are now realizing that they are also able to as well. Many first-time buyers are Millennials (born between 1981 – 1997). If you are one of the many […]

Seize Your Missed Opportunites

Have you missed any opportunities?  Buying Stock in Apple Computer for less than $10 per share?  Coming up with a great idea and not following thru and then having it show up…..by someone else?   Building a website to connect your friends before some kid from Harvard did it first? We understand that the world […]

How Much Cash Needed to Buy a Home?

How much do you need to buy a home?  Here are some facts you should know……   Zero Down If you are a Veteran, then you can access the VA Home Loan.  With the VA Home Loan, there is a strategy called the VA No-No.  This allows the Veteran to move into their new home […]

Increases to Home Prices and Interest Rates…How Does that Affect You?

When home prices and interest rates both rise, it makes it more expensive for you to buy your home at an affordable purchase price point.  Below is an example of what just a 10% increase in home prices and a 2% increase to interest rates could cause with the cost of a $250,000 home: These […]

Ready to Start Your Home Buying Adventure?

  It’s your time…..let us guide you to success! Give us a call!  

For AZ and CA- Marketing Tools for Real Estate Agents

Are you marketing YOUR listings online?            Are you creating Single Site Websites for each of YOUR listings?                         Are You WOWing your sellers with your online marketing skills? Marketing Strategies that have been created and that have been time-tested […]

Home Inspections….Are They Needed?

Do  you really need a home inspection? One of the questions that I receive quite often is….”do I really have to spend money on a home inspection?”. The answer to that question is: that while it is not mandatory, it is strongly suggested.   You’re making one of the largest purchases in your lifetime, does having […]

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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