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arizona: Agents in Phoenix: Mortgage Seminar For You! Stay On Top of It.... - 04/16/08 05:34 PM
The mortgage market is dramatically different these days. As an agent you can not be caught off guard when you're working with potential buyers. There have been so many (literally every week) changes to loan programs that you owe it to your business to stay on top of it. That is why you must attend the Hot Mortgage Topics Class next Wednesday April 23 at 9AM.
I, a.k.a. The Arizona Mortgage Guru will be covering the latest issues regarding home mortgage financing. I will discuss the hot mortgage topics to help you get more buyers and sell your listings!FHA Loans - how … (10 comments)
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arizona: Refinance a Subprime Mortgage Loan ARM to a Conventional Fixed Rate Home Loan - 10/08/07 12:12 PM
"I have an adjustable rate subprime mortgage, the interest rate and payment will adjust soon. I need to know the options available so I don't find myself strapped to make my mortgage payment."
Recently I have received quite a few inquiries along the lines described above. I've guided a few borrowers through a subprime to FHA re-finance process. If you find yourself in a similar situation, I want to share with you a checklist of six things you need to do so you do the right mortgage re-finance from an adjustable subprime mortgage to a conventional one. This is not a quick fix but will be very … (3 comments)
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arizona: Top Five Credit Score Misconceptions - Learn the Truth - 09/24/07 04:46 PM
Our local paper in Gilbert, Arizona carried a very informative article yesterday regarding your credit score. It listed the top five credit (and debt) misconceptions. The East Valley Tribune (citing Transunion) listed the top five credit misconceptions as the following:
Co-signing a loan doesn't make you responsible for the account. Paying off a negative record will get it removed from your credit report. Paying off a debt will make your credit score jump 50 points right away. Checking your credit reports will lower your credit score. Closing old accounts will improve your credit score.The first one is really the one that caught … (9 comments)
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arizona: Mortgage Blog Report Aug 25th: Arizona Mortgage Guru - 08/25/07 12:52 PM
Here is a round up of some posts from the past week on the Arizona Mortgage Guru blog:
Gilbert Housing Report: Stay Put, Be Happy: In this post AMG highlights an article from the Arizona Republic which talked about the Gilbert housing market. This article did touch on a little bit of tax trivia regarding forgiven debt. In case you're curious, the IRS taxes forgiven debt as ordinary income. Read the full post for details.Phoenix Area Borrowers Need Not Worry: There is so much talk of doom and gloom in the mortgage industry right now and people are fearful. However, the average person need … (0 comments)
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arizona: Are you addicted to blogging? - 06/29/07 08:02 PM
I know I've joked with friends that I do mortgages on the side to support my blogging habit. Not everyone laughs, but I'd imaging folks on Active Rain may get the joke. So when I saw this little utility that measures your blog addiction I took the test. I was surprised. Well, I guess I wasn't. I know myself. I don't have a frame of reference to say my score is high or low. All I know it when I answered the question I got a funny feeling that maybe I am addicted. So, here is my score:
78%How Addicted … (11 comments)
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arizona: Should buyers pay their own agents? - 05/21/07 08:47 PM
Jim Duncan solicits some debate on Cooperative Compensation, where the seller's agent pays the buyers agent in a purchase transaction. Greg Swan (Bloodhoundrealty) wants the lenders to take the lead instead of a more legislative approach.
Here is part of what Jim says:
As a profession, we need to rid ourselves of Cooperative Compensation and the practice of the listing broker paying the Buyer's Agent.
Here is part of what Greg says:
If mortage underwriters disallow any commission over 3% or 3.5% from the seller, with all of that going to the Listing Broker, while simultaneously allowing a commission of up to 3% or 3.5% from … (3 comments)
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arizona: Arizona Mortgage Guru on old media - 05/17/07 11:51 AM
I admit I am tooting my own horn. It has all come about because of blogging. So, blogging works folks!
The local media did a story on mortgage fraud here in the Phoenix valley and I was interviewed for much of the material. Here is the link. Sad to say but Arizona was ranked 11th in fraud for 2006 by the Mortgage Asset Research Institute.
The industry has some work to do.
… (3 comments)
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arizona: Is this Hurricane Redfin I hear? - 05/16/07 09:49 PM
I've read a wide range of opinion regarding the 60-minute segment on Redfin which aired last Sunday evening. The NAR has talking points out to help Realtors defend their work, towards the very end it even says "be glad it's Mother's Day" as viewership will be lower than usual. Wow!
Real Estate blogs have been buzzing the past few days - from questioning the business model, to wondering out loud the relevance of even watching the segment - opinions are very interesting to read. The most thoughtful and engaging opinions of course are from the best people in the business.
What do I see as the issue? Well, frankly … (1 comments)
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arizona: Lender in Scottsdale, Arizona (AZ) - 05/08/07 01:39 PM
Are you looking for a lender in Scottsdale, Arizona (AZ)? Well you have come to the right place. I am a home loan (mortgage) expert in the Scottsdale area with several years experience as a home mortgage lender. I can also help those in the Greater Phoenix area such as Scottsdale, Gilbert, Tempe etc. Whether you have good credit, bad credit or no credit I can look at various home loan options and provide you with intelligent options. I work for your long term financial success, so you can be sure to receive excellent service! I can help with purchase transaction, … (0 comments)
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arizona: Lender in Tempe, Arizona (AZ) - 05/03/07 12:22 PM
Are you looking for a lender in Tempe, Arizona (AZ)? Well you have come to the right place. I am a home loan (mortgage) expert in the Tempe area with several years experience as a home mortgage lender. I can also help those in the Greater Phoenix area such as Scottsdale, Gilbert, Chandler etc. Whether you have good credit, bad credit or no credit I can look at various home loan options and provide you with intelligent options. I work for your long term financial success, so you can be sure to receive excellent service!
I can help with purchase transaction, … (0 comments)
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arizona: A Church in Gilbert Arizona: Two Rivers - 04/24/07 01:13 PM
There are many churches in the Gilbert (Arizona) area. In fact a quick open ended search on USAChurch.com gave 23 listings. This listing didn't even include the LDS churches. I would image there are plenty of other churches that are not listed in the directory system for one reason or another. If I were to make a rough estimate I would say there has to be at least 100 churches in this area (43 square miles).
If you are new to Gilbert (Arizona) or have been thinking about attending a place of worship, where do you start? The local magazines always carry a listing … (3 comments)
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arizona: Zillow under fire from Realtors - 04/20/07 06:07 PM
Brian Brady has a really interesting post on the recent “cease and desist” order from the Arizona Board of Appraisers. Read it here. I wrote a brief note on it here. Of course the Blogosphere has been buzzing the past week on this topic.
Brian makes a very good point:
Confident Realtors and lenders know that you, the consumer, have a brain and intend to use it while you pay us the fees we earn. Many of us feel we’re worth what you pay us. I just hope you do.
I couldn’t have said it any better. The Internet has … (6 comments)
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arizona: CTX Mortgage Company in Mesa - 04/16/07 07:56 PM
Aimee has been with CTX Mortgage Company since 2004 whereas Shailesh, the Arizona Mortgage Guru, joined CTX in 2005. Both of them work as a mortgage solutions team at CTX Mortgage in Mesa, AZ. They each have almost 4 years of experience in the industry.
Shortly after re-locating to Arizona in 2004 Aimee searched long and hard for the right mortgage company to work with. Having been with smaller brokers and mid-size lenders in the past, she was keen on finding the right balance between small size feel and large scale infrastructure support. She found this with CTX.CTX Mortgage Company is … (1 comments)
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arizona: Arizona mortgage regulation dies at Capitol - 04/02/07 02:51 PM
The Arizona Republic reported yesterday that legislation calling to license as many as 18,000 loan officers and mortgage originators never got a chance to be heard in the Senate. This bill had passed in the Arizona House.
Read full story here.
Here is the story about who tabled this bill and why.
It is rather strange that this should happen. Arizona was recently ranked #7 in mortgage fraud. The Arizona Republic broke a story earlier this year on "cash-back" real estate scams claiming it was very prevalent in the Phoenix market.
I think licensing loan officers is a great idea. There should also be … (0 comments)
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Aimee Ghimire
Phoenix,
AZ
More about me…
Phoenix Home Loan Expert (www.aimeeloans.com)
Address: 1201 S Alma School Road, Ste 8950, Mesa, AZ, 85210
Office Phone: (480) 346-8383
Cell Phone: (480) 516-1819
Email Me
I am a mortgage professional serving the Greater Phoenix market. This includes Phoenix, Mesa, Gilbert, Scottsdale, Chandler, Tempe and surrounding communities. I am with PrimeLending.
When it comes to Arizona mortgage loans I have the expertise, the experience and the professionalism you should expect. I have been working in the Arizona home loan market for almost five years and have a history of satisfied borrowers.
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