Archive for December, 2010

Thank you Canada!

Watch this video! Great!  —> Thank you Canada!

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Where are mortgage interest rates heading?

This is the question of the year right now.   Where are interest rates heading?

Everyone continues to want to watch the REAL ESTATE market to see when it will level off.  Everyone wants to wait to see when they will get the deal of the century.  Everyone is quoting the drop in values going into 2011.  Everyone is MISSING one critical element.  While they are waiting, watching and wondering… RATES ARE GOING UP!  My take? I was hoping you were waiting for my take.  My take is the same as it has always been.  I am a realist.  I deal with the things WITHIN my control.  I cannot control property values. I cannot control the real estate market. I cannot control mortgage interest rates.  What I CAN control is my ability to qualify for a loan.  IF I can qualify and IF I find a house I like at a fair price, I buy it.  I would hit myself over and over in the head,  if I tried to time the market  (which is impossible), missed the house of my dreams and ended up having to settle on a lesser home at a higher rate!

My humble advice…Perspective.  Unfortunately as I have gotten older, my dream of the grass being greenier on the other side of the fence has vanished.  THE GRASS IS NEVER GREENIER.  Deal with what is in your control.  Don’t wait. Find your dream home, offer a fair price and get a great (in the 4’s still) loan!

Regardless of the house your are in, when rates go over 5, you will wish you had bought when they were in the 4’s.  Trust me. I have done this long enough to have had HUNDREDS of clients say, “I wish I had done…when rates were… when I found that one house…”  Nike says “Just do it” for a reason!

Having a dream is good, owning one is better.


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Time to blog! I am new to this blogging thing so give me some grace… I’m hopeful to provide inside information to the Arizona mortgage market and assistance in navigating the ever increasing difficult path of acquiring mortgage money…

I have been a licensed Arizona mortgage broker since 1999.  I have seen the ups and downs over the past 10 years and navigated through what seems to have been the most perfect of storms.  The upside to that is, I’m still here talking about it!  So follow me through this path.  I promise to provide content that is not only “mortgage” money related but just personal finance in general!


Having a dream is good, owning one is better!


Categories: Uncategorized

Hello world!

Welcome to This is your first post. Edit or delete it and start blogging!

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