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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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Freddie Macabone may be dead, but his financial goals are alive and well. 💀🏡

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📉 Why did mortgage rates just move when the Fed didn’t do anything? Look at France.

French borrowing costs just hit a twenty year high over a budget fight, and US mortgage rates felt it.

Here’s the part nobody explains: your rate was never just about the Fed. Mortgage rates follow bond yields, and bond yields move on global money. When a major economy gets shaky, yields rise everywhere, and that flows straight into the quote on your pre-approval.

It works in both directions too. Good news overseas can pull rates down the same way. That’s exactly why nobody can predict mortgage rates, and why the national average you see in headlines is not the rate you’ll actually get.

If you’re buying a home in Arizona, California, Hawaii, Montana, Nevada, North Dakota, Ohio, Texas, or Washington, and trying to time the market, stop watching predictions and start running your real numbers. Your rate depends on your credit, your loan type, and how your loan is structured.

DM me the word RATE and I’ll show you what yours actually looks like.

#MortgageRates #MortgageTips #ArizonaRealEstate #HomeBuyingTips #FirstTimeHomeBuyer

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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.

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Congratulations to all our clients!

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Do you remember 2005???

A lot has changed in 21 years, but one thing that has stayed the same is appraisal forms... Until now! Homebuyers and Realtors, changes to the appraisal reports are coming, but have been delayed until May 2027, to ensure everyone is better prepared for the new formatting and information we will see.

What have you been hearing about the changes and what are your thoughts about a new modernized form? 👇

#homeloans
#realestate
#realtor

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“To the salon!” 💇‍♀️✨

Except the salon is inside your Paradise Valley estate.

At 8501 N Golf Drive, beauty and wellness come to you, with a private in-home salon offering the ultimate combination of convenience, privacy and discretion.

Because true luxury is never having to leave home.

DM me for a private showing.📲

Listing courtesy of Jennifer Bellinger

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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.

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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

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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

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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

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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

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