Arizona Loan Officer

With the new FHA MIP rates becoming effective this week here is a look a back at where FHA MIP rates have been historically: Effective Date Downpayment Upfront MIP Annual MIP Prior to 7/14/2008   1.50% 0.50% 7/14/2008 2.25% 0.55%   > 5% 1.25%-2.25%* .50%-.55%* 4/5/2010 2.25% 0.55%   > 5% 2.25% 0....

Coffee.  Most adults (think they) can't go a day without it.  It's a part of the daily morning routine.  There are jokes and memes all over the internet with some variation of "don't talk to me until I've had my coffee."  The most recognizable brand if coffee of course is Starbucks.   There has b...

After the market crashed in 2008, really 2007, many people were forced to foreclose or short sell their homes.  The modification help came a little too late for many people that were greatly impacted by the economic recession.  Many of those people have now recovered and are looking to re-enter t...

Let's face it, as lenders or real estate agents referrals are the life blood of our business.    CAN I HAVE ______ CALL YOU?   Most folks that have been in the industry for years already have trusted partners that they will send business to, whether it's an agent to a lender, a lender to an insur...

This coming weekend is a big one in the state of AZ.  We are hosting the NFL's biggest game as well as the Waste Management Phoenix Open golf tournament.  These are both enormously popular events that have a lot to offer in terms of entertainment.  Of course there are also those that will partake...

If you're a realtor and you had a buyer that used an FHA loan to purchase their home between April 2013-August 2014 it may be time to give them a call.  The brand new FHA MIP rates are effective today and offer a significant savings over the rates that these buyers are currently paying.  As a len...

Our team at Amerifirst Financial will be hosting a lunch and learn on February 10th at 11:30 am to go over the basics of setting up and managing your Facebook business page.  Additionally we'll cover the best uses for Facebook ads and how to make the most of your advertising dollar.  Lacey, our m...

This Sunday the 25th from 1-9 the Dubliner Irish Pub will be donating $1 for every drink sold to the family of Anthony,  a teenager that is battling Leukemia.  They will have music all day and a silent auction as well.  If you're in the area stop by.  I know how much of a financial impact having ...

It is now late January and a large number of people have already given up on their New Year's Resolutions.  2 weeks ago the gym was overly crowded and this week I'd say about half the amount of people were in there.  Getting in shape, dieting, exercising are the top New Year's Resolutions every y...

Next Monday January 26th is the day! FHA MI will be reduced, drastically.  This is great news for first time home buyers or those that are coming back from credit events but have yet to meet the seasoning requirements for conventional loans. For those that already have FHA loans in process there ...