Joe Mortgage Team

Credit Tip of the Week:  Credit Refresh -FNMA Retracts... Almost FNMA recently clarified that lenders do not have to pull a new credit report at closing to verify if any new debts or if higher payments would result in a higher debt to income on the home loan.  Full Story As a loan officer we had ...

The $100 HUD FHA Home loan will be expired on July 31st 2010 in Arizona and in Nevada.   After this date borrowers purchasing HUD homes will be required to put down the full 3.5% for an FHA loan. The $100 HUD home program is a great way for a first time home buyer to purchase a HUD home with $100...

You can finance up to 10 investment properties in Arizona with Joe Hansen @ VIP Mortgage.  A majority of banks have capped the amount of financed properties at 4 when looking to buy an investment property in Arizona.  With V.I.P. Mortgage we allow up to a total of ten financed properties includin...

7727, 7747, 7787  West Deer Valley Road Peoria, AZ 85382 located in Peoria. Map & Directions to businesses located in the Arrowhead Ranch Office Park.  Joe Hansen with V.I.P. Mortgage offers mortgage loans for home buyers and those looking to refinance to a lower interest rate. 7787 West Deer Val...

Free Continuing Education Class for Realtors on Credit Repair "Glendale Arizona" 3 ACCREDITED GENERAL HOURS FOR YOUR CONTINUING EDUCATION We will be going over: 10 Greatest myths about your credit How to read a credit report How your credit score is determined Qualifying for home mortgages with l...

How long in Arizona do I have to wait before I am eligible for a VA loan with a past - Foreclosure, Short Sale or Bankruptcy?    VA loans are a great way to obtain financing with past credit issues in the State of Arizona but it's important to know how long you have to wait before you can become ...

Buy HUD Homes in Glendale Arizona.   The City of Glendale has a different assortment of HUD homes available.  Finding someone who understands how to help finance you on a HUD home is essential to your success.  As a licensed HUD loan specialist Joe Hansen with VIP Mortgage can help you with the d...

VA Streamline Refinance in Peoria Arizona (IRRRL) offers  Low Interest Rates The VA streamline refinance program in Peoria Arizona  offers low interest rates, is a program provided to VA home loan participants.  When interest rates drop or if you have a higher interest rate the VA allows you to r...

Buyers beware.  As of June 1st FNMA is requiring credit reports to be updated at closing.  The so called "Credit Refresh" applies to home buyers in Phoenix Arizona as well as across the country. Home buyers in Phoenix will have their credit re-pulled to catch any debts that may have not posted or...

Being a first time home buyer in Phoenix Arizona can be a difficult experience with a lot of uncertainties.  However, if you work with a lender that will walk you through the home buying process and understand the market here in Phoenix Arizona it can make your home purchase a great experience. A...