Arizona Loan Officer

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Mortgage and Lending - Amerifirst Financial, Inc Equal Housing Oppurtinity Lender AZ BK0013635 NMLS 145368 LO:1015837
Canada, Mexico, China, India, and the UK are the top 5 countries whose residents are purchasing existing homes in the U.S.  Combined they make up 54% of the foreign buyers of U.S. existing homes.  In 2010 the top 5 countries made up 79% of the foreign buyers, so the foreign buyer market appears t...
I'll be honest, I'm not all that up on popular culture.  My oldest daughter passed away before she reached that age that required me to pay attention to it and my youngest daughter still cares more about Sesame Street, Queen Elsa, and Hello Kitty.  If I hear about a young pop star it's usually fo...
Summer is in full swing in Arizona.  For the past several weeks my social media accounts have been flooded with friends that have kids, grandkids, siblings, etc. graduating high school.  I turned 40 earlier this year and I've been thinking a lot recently about things I wish I knew when I was 18, ...
For this weeks installment of Credit Tip Tuesday we'll look at credit inquiries.  Any time that you or a business entity requests a review of your credit report it is considered an inquiry.  Some of these inquiries can have a temporary negative effect on your FICO score.  Others do not hurt your ...
If you are what we consider a "boomerang buyer" this information will be quite useful to you: For consumers that have had major credit events such as a bankruptcy or foreclosure the time frame in which they will be eligible for a new mortgage loan can be confusing.  In the real estate/mortgage in...
Hey AR family.  I'm sharing this across every platform that I can.  A friend of mine was shot and killed late Friday night/Early Saturday morning in Broward County Florida while walking with his girlfriend to their car.  At this point the police have very little to go on.  I'm hoping that someone...
FNMA issued some revised underwriting guidelines that went into effect yesterday.  You could call them a loosening of some of the guidelines albeit for a small percentage of buyers.  Still, quite a few buyers will be helped by the changes. Below are the highlights of some fo the changes:Removal o...
Ten years ago today I became a father for the first time.  I held a perfectly beautiful baby girl and she immediately had me wrapped around her finger.  As she grew older I was in awe of her capacity for compassion at such a young age.  For her 8th birthday her request was, "tell my friends to br...
As a mortgage loan officer we often receive applications where they client's credit scores are not where they need to be in order to obtain a home loan.  The question that usually follows is "how can I increase my score in the shortest amount of time?" or some variation of that.  For each individ...
Greece's debt crisis has caused the stock markets to fall percipitously today.  As of this writing the DOW is down 321.43 points or 1.79%.  There is fear in the global markets that Greece is headed toward a default as they have closed its banks amid these fears.  Greek banks and markets will be c...

Mike Tizzano

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