first time homebuyers: Homeownership starts with taking responsibility for your credit - 08/18/09 06:06 PM
Imagine yourself in your dream home; you've got everything you wanted including the white picket fence. Now take a step back...how did you get there? I will tell you one way of never getting into your dream home; bad credit. Period. The end. If you have poor credit, you'll never be … (2 comments)

first time homebuyers: Battle of the Home Mortgage Products: FHA vs. Fannie Mae HomePath - 08/12/09 12:58 PM
Recently I have had several inquiries about a number of special loan programs available. The latest, attractive looking product in the market is the Fannie Mae HomePath loan. Depending on your individual needs, this product could be the right fit. However, compared to FHA, the HomePath loan does have some drawbacks.
(3 comments)

first time homebuyers: Five Good Reasons for the Perfect Home Buyer Storm - 12/10/08 09:07 PM
Normally I am not one to predict the market when it comes to mortgage rates, home values, good deals, tax incentives or tax rebates, but the writing on the wall is extremely clear to me that we have entered into what I want to phrase "The Perfect Home Buyer Storm". I … (0 comments)

first time homebuyers: Market Shifts to Higher Interest Rates as Inflation becomes a Huge Concern - 05/30/08 01:02 PM
I have been watching rates move in an upward direction all week.  Mortgage insiders such Barry Habib with "The Mortgage Market Guide" has been preaching this all week and the signs are there.
Now that rates are moving in that direction, what does this mean to a buyer who is shopping … (0 comments)

first time homebuyers: Tempe Mortgage Lender for First Time Homebuyers - 05/24/08 03:36 AM
Are you looking to buy your first home, but do not understand the process?  Are you needing funds for down payment assistance?  Were you turned down by other lenders who do NOT specialize in these types of loan programs?  Well look no further, you have come to the right person to help you.  I have … (0 comments)

first time homebuyers: The Best Mortgage Alternatives in the Declining Arizona Desert - 03/06/08 03:45 PM
Lately, I feel that I have beating a dead horse over here with all the changes due to a declining housing market.  Our lending environment has became so tight that good borrowers feel that there are really no options to help them get into a home today.
Recently the mortgage guidelines have become more … (5 comments)

first time homebuyers: What are the Best Mortgage Products for First Time Home-buyers in 2008 - 02/27/08 08:52 PM
So we just had the Oscars and if Hollywood can put together a list of awards for their industry, then I thought I would run down a list of mortgage products that I feel are best for First Time Home-buyers in 2008.
And the Winners Are?
FHA Mortgages:  This is a great product … (7 comments)

first time homebuyers: Arizona Identified as a Declining Market: 5% More Down Payment Required - 01/25/08 12:39 PM
Attention Realtors and Home-buyers in Arizona:  We are in a market identified by Fannie Mae and Freddie Mac to be a moderate declining market. 
This is not the first time I wrote about this issue:Arizona Identified as a Declining Market: Appraisal Reviews Required, but because I am having more people contact me about … (4 comments)

first time homebuyers: Arizona Identified as a Declining Market: Appraisal Reviews Required - 11/14/07 12:55 AM
Attention Realtors in Arizona:  We are in a market identified by Fannie Mae to be a declining market.  Tom Burris wrote a great post a couple of months back warning all about this:  Attention Realtors in Declining Markets!!!
Well this is real and let me elaborate more upon what Tom stated … (10 comments)

first time homebuyers: Mesa, Arizona: First Time Homebuyer Workshop and Complimentary Dinner - 11/08/07 06:31 PM
Special Dinner Invitation
Free first time home buyer workshop, plus a complimentary dinner at Matta's Mexican Restaurant  932 E. Main St.  Mesa, AZ 85203.  The workshop will teach you how to buy your First Home. 
 This event will be held on November 15, 2007 at 7:00P.M. 
Topics Covered:
How to get into a home with … (2 comments)

first time homebuyers: Picking a Mortgage is NOT like Picking Fruit - 11/06/07 05:04 AM
I am still amazed that I get offers in my mail box from mortgage companies that list out all the products they currently carry.  As if someone is going to hire them because they named off a product that sparks their interest.  I got an offer the other day that read something … (15 comments)

first time homebuyers: I am pre-approved, now what? Helpful Mortgage Tips for Closing Your Loan: - 11/01/07 11:06 AM
So you went to your mortgage lender and spent the quality time upfront to be pre-approved.  You shopped till you dropped and finally found the right home for you.
Now comes the fun part.  Getting the transaction closed. Once your under contract, there are things that need to be finished. 
Below is a list … (9 comments)

first time homebuyers: Can I get 100% Financing if I am a First Time Home Buyer? - 10/29/07 11:06 AM
Lately I have been asked by a large group of people if I can get 100% financing for first time home buyers.  There is been so many changes to mortgage guidelines lately that most of us get really confused on who we can really qualify for a home.  So I will set the record … (4 comments)

 
Gary Rainmaker_large

Gary Miljour - Mortgage Lending for Tempe Arizona

Tempe, AZ

More about me…

Cherry Creek Mortgage Company

Address: 1630 South Stapley Drive Ste. 100, Mesa, AZ, 85204

Office Phone: (480) 251-0002

Cell Phone: (480) 251-0002

Email Me

Arizona BK-0904024



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