Josh Phillips - Price Mortgage NMLS #1481547

Looking to get a clear picture of all the costs included in your monthly mortgage payment?

Our mortgage payment calculator is the perfect tool to help you understand the breakdown, it pulls in real-time personalized rates based on your scenario.

Give it a try today reach out with any questions!

https://buff.ly/44zkS64

Ready for your own space?

3% down is available for everyone, including first-time buyers! If you’re ready to make the big move from apartment dweller to homeowner, you know how to reach us!

In a perfect world, we all want to purchase at the perfect time right? When both rates and values are low.

I've seen clients get burned with this wait and pray strategy more times than I can count! The truth is, the best time to buy is when you can afford it.

Shoot me a message or give me a call to discuss your options!

One of the many benefits of working with a broker is the cost savings! Data doesn’t lie, the cost savings in 2022 should be even higher! 💸

One of the biggest misconceptions that first time home buyers have is the need for a large down payment.

The typical first time home buyer puts down just 7%!

When you’re ready to stop renting and start owning, let me know 😊🏡

Did you know we have a loan program that allows you to use the equity in your current home to purchase a new home - without needing to sell your home first?

It's called a Bridge Loan! Here is the rundown:

✅ Collateral must be your Primary Residence
✅ Can go up to 90% of your current homes value
✅ Max loan amount is $250,000
✅ Interest only payments for 6 months
✅ No pre-payment penalty
✅ Requires at least 680 FICO score
✅ Can go up to a 50% DTI (debt-to-income) ratio
✅ Closing costs can be rolled into the bridge and paid out of loan proceeds

Shoot me a message to learn more!

We have an amazing new loan program for medical professionals! 👨‍⚕️ 👩‍⚕️ 🏡

We can go up to 100% LTV on this program. Shoot me a message to lean more!

Do you know how to determine your home’s equity? 🏡 💸

Subtract the amount you owe from your home’s market value and there you have it. Using your equity for renovations or paying off high interest debt are just a couple of the great ways you can leverage the equity in your home.

Call me today to unlock the equity you’ve earned!

No lender fees, lower rates, and a little bit of service! 😎

Thanks for the great review Zach, I hope you love the new home! 🏡

You'll never be just a number to me!

I'll celebrate – and help you achieve – every homeownership win from moving into your first home to a refi-renovation to closing on your dream build.

Message me today for a personal touch!

If you have just a little saved for your down payment, an FHA might not be your only option...

We have access to conventional mortgage loans with as little as 3% down, even for first-time homebuyers!

Send me a message to learn more!

How CRAZY is this?!

The average monthly rent on an apartment in the Phoenix metro area is up 88% since 2014!

A few other downsides of renting:
💯 100% Interest rate for life
💸 Zero equity gains
😤 Restriction after restriction
😑 Noisy neighbors

We could go on and on... When you're ready to ditch your landlord give me call!

Instead of locking in your interest rate after you've put in an offer on a home, we offer the ability to set your rate now while you're still shopping. Not only will this protect you from paying more, if rates go down, you'll still get the better rate!

Reach out to get started!

In a hurry to get into your dream home?

Closing loans fast is what I do best! Whether your family is growing, want to relocate, or just looking to upgrade - I'm always here to help!

How much a potential borrower makes is important, but it’s not the only factor considered when getting approved. Credit score, work history and loan type are just a few other factors to consider!

Merry Christmas and Happy Holidays from my family to yours! ⛄️🎄🎅

I hope you enjoy this day with the ones who mean the most to you, I believe It's not what's under the Christmas tree that matters, it's who's around it.

18% More purchasing power for 2022!

The 2022 conforming loan limits were just released today. This is higher than the estimated $625,000 that many experts were expecting.

This can potentially save you a lot of money out of pocket when purchasing a home in this price range. Let's take a $700,000 purchase price as an example. In 2021 with a max loan limit of $548,250 you would have needed to cover the difference of $151,750! With the new limit of $647,200 you only need to cover the difference of $52,800.

That's $98,950 less cash up front in just this one example! 🤯

The best part is, there is no need to wait until 2022! We have investors accepting the new loan limits today!

Saying goodbye can be hard sometimes...

But we're jumping for joy today as we say goodbye to Mortgage Insurance! 👋

The new "MI Buster" program from UWM eliminates the need for mortgage insurance on purchases for qualified borrowers with an LTV between 80.01 – 89.99%. This product allows more borrowers to avoid mortgage insurance with less money down (as little as 10.01%) and those savings can mean the ability to afford more home and/or a lower monthly payment.

MI Buster is a great option for borrowers looking to purchase a primary or second home of $200,000 or more, including first-time home buyers! Plus, with MI Buster High Balance, it’s also available on loans over conforming county loan limit amounts.

Trying to wait the market out?

While I don't have a crystal ball, most experts expect both home values and interest rates to rise throughout 2022.

Here's a simple example on what waiting just one year could potentially cost you. 🏡 💸

Josh Phillips - Price Mortgage NMLS #1481547 updated their website address.

Ready for your own space?

3% down is available for everyone, including first-time buyers! If you’re ready to make the big move from apartment dweller to homeowner, you know how to reach me!

🚨🚨 NEW PRODUCT ALERT! 🚨🚨

We can now do a conforming loan up to $625,000!

This is an increase in over $75,000 from the standard conforming loan limits for 2021. Needing just 5% down you can enjoy lower rates than you would with a Jumbo loan.

You won't find this program at any retail lender! 😎

Refinancing is a great way to save money, pay for home improvements or consolidate high interest debt.

Wondering when the right time to refinance is? This article will help!

When Should I Refinance? Refinancing can help you lower your monthly payment or extract existing equity in your home. Often times this a great way to save money or to pay for home

Going through a big bank limits you to their products, meaning a lot of shopping around to get the best deal.

Let me do the legwork for you, I partner with numerous lending partners – from the big banks to wholesale lenders – and can find the best options for you!

There's nothing better than helping first time homebuyers. 🏡 😊

Thank you Jess, It was a pleasure working with you guys and your kind words mean a lot!

Refinancing doesn’t mean you have to go back into a 30-year loan. Ask me about our flex-term option that allows you to get a 12, 17 or 25-year mortgage. Or any other term that works for you!

This is a great way to enjoy the interest savings of todays rates, without resetting your term!

Did you know that the average renter in the Valley spends almost $28,000 per year in rent?! 🤯 💸

The longer you wait to buy, the more potential equity you're losing. Reach out to me today to take the first step towards building wealth!

This is a special one for me!

Not only did we get a blazing fast clear to close in just 5 days, we also closed the earliest a home purchase can be closed legally. 😎🤯

As you can tell, my clients were absolutely thrilled! Enjoy your new home April and Timothy! 🏡

Owning a home has a number of distinct advantages over renting, one of which is the ability to build wealth over time as you gain equity due to your payments or rising home values.

If you think it's time to make the leap to homeownership, shoot me a message 💪 😎

Let's face it, things change. What was once perfect a few years ago may not be right for you now...

❇️ Has your income or credit score improved?
❇️ Do you need to consolidate debt?
❇️ Do you want to take advantage of historically low rates?

Shoot me a message, as it might just be time for a refinance.