PHX Home LoanParent company

Plain-English takes on the market.

Check out our recent blog posts on Home Loans, Mortgage, Finance and home-buying strategy from Jimmy and the team — no jargon, no hype, just what actually matters for your next move.

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Showing 25–36 of 44 posts

How to be an ‘Ideal Borrower’ for a Mortgage Lender

Homebuyers can position themselves for getting the best interest rates on their new mortgage by taking steps that demonstrate their financial responsibility. The ideal borrower for a mortgage lender is proactive about doing the right things to secure their loan. These steps will help anyone stand out when they are ready to apply

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Buying a New Home? Questions You Should Ask

If you are buying a new home for the first time, you may be wondering exactly what is involved in the process of closing on a home purchase. You can start by asking these questions, which will help you feel confident when it comes time to finalize your new home purchase.

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Are VA Loan Appraisals Tougher?

A VA loan appraisal must be completed before a lender can approve the loan. It is meant to ensure that the loan you take out represents the property’s fair market value and that veterans have a safe and comfortable place to live.

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Hidden Costs When Buying a House

There are many factors that influence the potential additional fees that you face when you buy a house. xplore all of your options for offsetting hidden costs, so that you can maximize the home you can buy with your budget.

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How Does a Balloon Mortgage Work?

Balloon mortgages used to be one of the primary loan types used by people buying a home. They’re less common today, but there are times when one could work to your advantage.

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Using Your Equity to Increase Your Home’s Value

Owning a home has many advantages. One of the biggest ones is being able to accumulate equity with every payment that you make.

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Why Do Home Prices Fluctuate?

Home prices are constantly changing. While the size and location of a house plays a part in the price, it also helps to be aware of the other factors that influence price fluctuations.

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5 Financial Benefits: Buying vs Renting

Renting has its benefits. Yet, there comes a point when the rent cycle may be hurting you financially. The decision to move toward buying over renting can offer you these financial benefits over time.

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Touring Etiquette for Home Buyers

Home buyers get excited about touring potential new homes. Not only do you get the chance to find your perfect living space, but you also get to check out new design concepts that help you narrow down what you want in a home.

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What is an Extreme Buydown?

Home buyers concerned about rising interest rates. Sellers are also finding that their house’s increased value makes it harder for prospective buyers to afford the mortgage.  Fortunately, an extreme buydown is a potential solution that helps everyone achieve their goals.

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Phoenix Home Loans – We Make it Easy

]The process involved with getting a loan for your new home is complicated. For a first-time home buyer, just trying to understand the differences between each type of loan gets confusing. If you have bought a home before, then you are also likely to be surprised by just how much has changed, since the requirements to get a loan are constantly being updated.

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Do’s and Don’ts During the Mortgage Process

So you are getting ready to purchase a home? Awesome! Okay, now you might be freaking out over the mortgage process because you’ve probably heard a dozen horror stories from close friends, Uncle Joe, your Cousin Rob and of course…Mom and Dad.

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Jimmy Vercellino, home loan advisor

Ready when you are

Our experienced home loan advisors can help you refinance

To obtain lower monthly payments and interest rates, you need a relatable advisor who can walk you through the process. Our team of experienced home loan specialists listens to your unique goals and starts your journey to achieving them — we not only educate you on your best options but genuinely care about your family winning your dream home.