Arizona Loan Officer

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Mortgage and Lending - Amerifirst Financial, Inc Equal Housing Oppurtinity Lender AZ BK0013635 NMLS 145368 LO:1015837

ARCHIVED BLOG POSTS

2015 

This week's Friday Funny is in the form of a question.  When I was an appraiser I saw a number of things in people's homes that just made me shake my head.  Often the home owner thought that it added value, I frequently had to explain the difference between "value in-use" and "market value."  In ...
07/31/2015
The Consumer Financial Protection Bureau has never been very receptive to the idea of marketing service agreements, or MSAs.  They view them as a cover for a pay for referral practice which is a RESPA violation.  Unfortunately, in many cases they are correct in believing so and recent action take...
07/31/2015
For many potential home-owners the biggest hurdle is saving money for a down payment.  Even with low options such as FHA's 3.5% down that's still $7000 plus closing costs on a $200,000 home purchase.  With rental prices at record highs and climbing and wages staying relatively stagnant it's been ...
07/30/2015
We all have them; days, weeks or longer (hopefully not) that nothing seems to go right.  That was this week so far for me.  The good news is it's only Thursday so I have a couple of days to right the ship so to speak.  It started Sunday night and never really got right.  Because of the strangenes...
07/30/2015
It is unclear what caused this toddler's car to be towed.  Police responded to complaints of a toddler recklessly driving his car in the park, scaring other toddlers on the playground and harassing the ducks at the fishing pond.  When interviewed by police the toddler, who doesn't speak yet could...
07/24/2015
  Recently I received a call from a long time friend.  His cousin had just been "hosed" on a home purchase, his words.  The buyer and his wife had both graduated from college and started their careers.  They saved up some money for a down payment and were ready to look into purchasing a home.   T...
07/22/2015
In a previous installment of Credit Tip Tuesday we talked about the importance of monitoring your credit. If you're doing so and you've had some hiccups you may have seen "charge-off" or some variation of such somewhere on your report.  So what exactly does this mean?1. A charge off is not a forg...
07/21/2015
I was inspired to write this after reading another Active Rain blog.  Everyone has barriers, obstacles, pitfalls in their life from time to time.  What separates successful people is what they do when faced with said obstacles.  I have to admit that I haven't always handled it the right way.Whene...
07/20/2015
Last year around this time, while I was still reeling from the loss of my daughter Abby I became connected with another family that had been touched by childhood cancer.  Fortunately their cancer story had a better outcome than ours.  Little Baylee was diagnosed as a toddler with a rare form of L...
07/17/2015
Well I couldn't think of anything to blog about today so I just figured I'd start a new weekly series called "Friday Funny."  We presumably all have Facebook accounts and quite often something rather humorous comes across our news feed.  I happen to follow a couple of sites that deal with "textin...
07/17/2015
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Mike Tizzano

Protect Your Transaction Certified Lender
smartphone(480) 840-4483
local_phone(480) 344-1967
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