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Yolanda & Brian Gallegos FHA, VA, USDA, HUD, Conventional, Jumbo and Investor Mortgage Loans in Arizona and California. Get pre-qualified for a home loan is easy with the Gallegos Team. Home Purchases, Refinance, Cashout, We are the Arizona and California Mortgage experts.



Home affordability moved higher last quarter, buoyed by stable mortgage rates and falling home prices in Arizona and nationwide. The National Association of Home ...
Mortgage rates across the state are near year-to-date lows, but locking them in this week may be difficult. As Memorial Day nears, and Wall Streeters get a head-st...
Mortgage markets were unchanged last week, despite improving on four of five days. Economic data was worse-than-expected almost across the board, but neither FHA n...
The housing market recovery stalled last month. At least temporarily. According to the National Association of REALTORS®, Existing Home Sales slipped 1 percent in ...
Single-family housing starts dropped by 21,000 units in April on a seasonally-adjusted annual basis. The Housing Starts report measures the number of homes on which new construction "broke ground". It's tracked by the U.S. Department of Commerce which releases new data monthly. Single-family hous...
Home builder confidence can't shake its range, according to the National Association of Home Builders. The group's monthly Housing Market Index put May's builder c...
Mortgage markets worsened overall last week for the first time in 5 weeks. Better-than-anticipated economic data plus dwindling concerns for Greece's sovereign debt combined to a spark a bond sell-off. Conforming mortgage rates moved higher in Arizona as a result. Rate shoppers were hit especiall...
Another day, another piece of evidence that the U.S. economy is expanding. Thursday, the Census Bureau released the April Retail Sales report. Excluding cars and auto parts, retail receipts rose for the 10th straight month and, at $321 billion, reached an all-time high. Retail sales account for r...
When a mortgage applicants chooses an adjustable-rate mortgage over a fixed-rate one, he accepts a risk that -- at some point in the future -- the mortgage's interest rate will rise. Lately, though, that hasn't been the outcome. Since mid-2010, conforming mortgages have adjusted below their init...
With housing prices down across the country, there are a lot of homeowners in Phoenix barely breaking even on their respective home sales. Some are even losing money. You may find yourself in that position, too; wanting to sell, but worried about bringing cash to your own closing. It creates an i...

Brian and Yolanda Gallegos

Licensed Loan Officer- FHA/VA, HECM
smartphone(602) 692-4993
local_phone(480) 289-7608
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