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MVMT Mortgage - Valley of the Sun

@movementmortgagephx

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🏡 Great rates + local expertise for buyers & agents
Mortgages that Mean More
49 cents of every $ of profit donated to charity🎗️
NMLS 39179

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We’re now using VantageScore® 4.0 alongside FICO on eligible mortgage programs!

Your VantageScore might be higher OR lower than your FICO score. We can compare both to see which option gives you the best available terms and strongest opportunity to qualify.

Both measure creditworthiness, but they calculate your score differently.

Compared with traditional mortgage FICO models, VantageScore 4.0:
• Can generate a score for more people with limited or less recently active credit histories.
• Includes rent, utility and phone payments when they’re reported to the credit bureaus.
• Looks at how balances and payments change over time.
• Excludes medical collections from its score calculation.
For some buyers, this could mean better pricing or a path to qualifying that wasn’t available before.

If your credit score has been holding you back, let’s take another look. I know loans 😉

Loan program eligibility applies. Approval and terms depend on your full financial picture. taken in Scottsdale, Arizona by @movementmortgagephx

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Rates are higher than they’ve been in years… but so is a buyer’s ability to NEGOTIATE.

The right offer can include seller concessions that help pay closing costs, fund a rate buydown, and create a more comfortable monthly payment.

Don’t let the headline rate be the only thing you evaluate. The better question is: What terms can we negotiate to make this home work for you?

Waiting for the “perfect” rate could mean missing the opportunity to negotiate from a stronger position today. by @movementmortgagephx

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a month ago

Just a Scottsdale Mortgage guy, trying to help you out. I’ve been blessed to be in this industry over 25 years and have helped hundreds of families with their mortgage. These are things I’ve said over and over this year. Save & share this. #timknowsloans taken in Scottsdale, Arizona by @movementmortgagephx

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a month ago

Want to buy your next home without selling your current one? This could be a game changer.

A recent Fannie Mae guideline change may make it easier for homeowners to keep their current home as a rental property while qualifying for a mortgage on their next home.

Previously, using rental income from your departing residence could mean finding a tenant, getting a lease signed, and proving the lease was actually in effect.

Now, in certain situations, a lease may not be required.

Instead, your lender may be able to use a Form 1007 Rent Schedule, an appraisal, or market rental data supported by comparable rental properties to determine the market rent.

Then, 75% of that market rent may be used to help offset the mortgage payment on your current home.

So if you’re thinking about buying a bigger home, keeping your current home, and turning it into a rental, this is definitely something worth discussing with your mortgage professional.

And because apparently qualifying for your next mortgage wasn’t complicated enough, now we get to explain Form 1007. 😂

Follow me for more mortgage tips, home-buying strategies, and ways to help you qualify for your next home.

#homebuyertips #homebuying #timknowsloans taken in Scottsdale, Arizona by @movementmortgagephx

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🏡 Happy Work it Wednesday from Mrs. Mortgage Mom!

Thinking about buying a home right now? Here's why this market might be working in your favor:

With the job market cooling off, sellers are getting more realistic and there's more room to negotiate than we've seen in a while. That means potential price reductions, closing cost credits, and even rate buydowns are back on the table in a lot of deals.

Less competition also means less pressure. You can take your time, ask questions, and make a decision that feels right instead of feeling rushed and having to show all your cards.

Here’s the thing about rates—While they are important, they don't have to be perfect for buying a new home to make sense. Your payment is what matters. While refinancing is never a guarantee, it can create the opportunity to lower your payment in the future. As of today, Mortgage News Daily reports average Conventional loan rates are 6.91%.

Ready to see what's possible for you? Let's connect and figure out your next move!

📱480-430-4479
🌐www.mrsmortgagemom.com
📅calendly.com/mrsmortgagemom
👤NMLS #899870
📍Licensed in AZ, CA, HI, MT, ND, NV, OH, TX, WA

#mortgagebroker #realestate by @movementmortgagephx

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👨‍⚕️ Most doctors don’t realize this.

You could be eligible to buy up to a $2M home with:
✅ 0% down options available
✅ No PMI
✅ Flexible student loan treatment
✅ Available for many physicians, residents, fellows, dentists, veterinarians, optometrists, pharmacists, and more!

While everyone else is saving for years to build a down payment, many medical professionals have loan programs designed specifically for their career path.

Most doctors don’t hear about this loan until AFTER they’ve bought a home 🙃

Thinking about buying a home?

Comment “DOCTOR” and I’ll send you the details.

#DoctorLoan #PhysicianMortgage #MedicalProfessional #DoctorLife #ResidentLife HomeBuyingTips PhysicianFinance DentistLife RealEstate MortgageTips ArizonaRealEstate LuxuryHomes HomeLoans DoctorsOfInstagram by @movementmortgagephx

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PSA TO SELLERS 🚨 Do not choose an agent based on who promises to sell your house for the highest amount.

A big number may win the listing appointment. A strong strategy wins buyer attention.

Choose the agent who can clearly explain how they will price, position, and launch your home. 🚀

DM me ”AGENT” and I’ll recommend some of the best agents in The Valley to work with. by @movementmortgagephx

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Homebuyers!! Save & Share this video!!

What loan is right for you?

Comment below ⬇️

#homeloans #homebuyers #timknowsloans #letsbuyahouse #phoenix taken in Phoenix, Arizona by @movementmortgagephx

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2 months ago

Impact Day! In collaboration with @treasurehouseaz and @movementmtg we got to spend the day with them at their Peoria AZ location and see the difference they’re making in these adults lives. If you’re curious about our next Impact Day or want to learn more about Treasure House, drop us a comment! #movementmortgage #locallender #foundation by @movementmortgagephx

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Down payment is one of the biggest hurdles to homeownership so let’s talk about it.

Here is what you actually NEED to know:

🪖 VA loans -> Zero Down Payment options are available to current military members and veterans who are eligible.

🤠 USDA -> Zero Down Payment I’d in a designated USDA area so it is location specific.

👨‍💼 Conventional -> 3% down for First Time Home Buyers. 5% down for non-FTHB.

📄 FHA -> 3.5 % down minimum. Many down payments assistance programs work with FHA loans to you can buy a home with little or no down payment. Ask me about BOOST.
#homeloans #downpayment #homebuyers #learnoninstagram #timknowsloans taken in Phoenix, Arizona by @movementmortgagephx

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Trying to time the market is a lot like trying to catch a knife!
#marketcrash #foreclosures #timknowsloans by @movementmortgagephx

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