Tom Buron- NMLS #70140 Land Home Financial Services, Inc.

Are you considering an FHA loan? We offer Down Payment Assistance options that can benefit you in many ways, including enhancing your purchasing power and reducing your initial financial burden.

Our Loan Experts can help you plan and review your current situation, there’s no obligation and the process is easy.
https://lhfs.com/

Jul 4 - Here is our latest table of Cromford® Market Index values for the single-family markets in the 17 largest cities
The average change in CMI over the past month is -6.9%, a steeper fall than the -6.1% we saw last week . This is exacerbating the downward trend that started 7 weeks ago.
Like last week we only have 3 cities showing an increase in their Cromford® Market Index over the past month, while 14 have declined. The 3 improving are the same as last week, but only Avondale has improved by a large percentage.
We have a much longer list of cities that moved substantially in favor buyers: Paradise Valley, Goodyear, Fountain Hills, Gilbert, Tempe and Glendale.
9 out of 17 cities remain seller's markets over 110. We have 2 cities that are balanced, while the remaining 6 are buyer's markets. However only 3 remain over 140.
The situation is very similar to last week, but Buckeye is now only a shade over 60 and is exhibiting increasing signs of weakness.

Land Home Financial Services, Inc. is a great place to get financing for your manufactured home. We offer competitive rates and terms, and our team is always ready to help you find the best possible solution for your needs. Connect with us today, and let us show you how we can help make your dreams of homeownership a reality.
Got questions? Contact Options- Start a conversation.
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link for more Details or Apply Now!
at >>>>>https://mortgage.lhfs.com/tomburon

With Jade Homes Inc. – I just got recognized as one of their top fans! 🎉

Land Home has Branches and loan officers across the country.
Finaning Manufacture and Mobile Homes for over 35 years:
A Great Affordable Home purchase option.
Land Home has Financing which includes:
Conventional loan
FHA Loan with Down payment assistance
Chattel loan
Construction to perm
*** NOW AVALIBLE - CASH OUT 30 yr conventional refinance -Select MFH's
Contact Options- Start a conversation.
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link for more Details or Apply Now!
at >>>>>https://mortgage.lhfs.com/tomburon

With Land Home Financial Services, Inc. – I just got recognized as one of their top fans! 🎉

🎉
Land Home has Branches and loan officers across the country.
Finaning Manufacture and Mobile Homes for over 35 years:
A Great Affordable Home purchase option.
Land Home has Financing which includes:
Conventional loan
FHA Loan with Down payment assistance
Chattel loan
Construction to perm
Park Models
Leased Land
Home Equity Line of credit
*** NOW AVALIBLE - CASH OUT 30 yr conventional refinance -Select MFH's
Contact Options- Start a conversation.
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link for more Details or Apply Now!
at >>>>>https://mortgage.lhfs.com/tomburon

With Oak Creek Homes in Sanger – I just got recognized as one of their top fans! 🎉
Land Home has Branches and loan officers across the country. Finaning Manufacture and Mobile Homes for over 35 years:
A Great Affordable Home purchase option.
Land Home has Financing which includes:
Conventional loan
FHA Loan with Down payment assistance
Chattel loan
Construction to perm
Park ModelsLeased Land
*** NOW AVALIBLE - CASH OUT 30 yr conventional refinance -Select MFH's
Contact Options- Start a conversation.
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link for more Details or Apply Now!
at >>>>>https://mortgage.lhfs.com/tomburon

Looking to take the next step towards owning your dream home? Look no further than Land Home Financial Services! Our team of professionals is dedicated to making the home buying process easy and stress-free from start to finish. We understand that buying a home is a major investment, which is why we work closely with you and your realtor to ensure that all your needs are met.

At Land Home Financial Services, we pride ourselves on providing personalized service and tailored advice. Our experienced experts are there to guide you every step of the way and make sure that every transaction runs smoothly. We stay up-to-date on current industry trends and regulations to ensure that you get exactly what you need.

Whether you're a first-time homebuyer or a seasoned real estate investor, we'll make sure that any deal falls within your budget. So why wait? Contact us today.
Contact Options- Start a conversation.
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link for more Details or Apply Now!
at >>>>>https://mortgage.lhfs.com/tomburon

Land Home Financial Services, Inc. (Mesa, AZ)
·
🏠 Uncover your path to a new home with Land Home Financial Services by your side. Your journey starts at https://mortgage.lhfs.com/tomburon.
Let's explore mortgage solutions that align with your aspirations! 🗝️🏡
Contact Options- Start a conversation.
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link for more Details or Apply Now!
at >>>>>https://mortgage.lhfs.com/tomburon

National Mortgage Rate Trends
For Real Estate Professionals
Rate Source: Freddie Mac 7/3/2024



Yields rise: The market saw significant bond selloffs with spiking yields.
Month to month: End of month trading often triggers bond selloffs.
Politics as usual: The June 28 presidential debate may have tilted the odds in favor of a more business-friendly GOP administration.
Inflation slows: Measured by the core PCE index, price gains slowed to 2.6% in May, the lowest annual rate in over three years.
Stay the course: Bonds rallied July 2 after Fed Chair Jerome Powell cited good progress on inflation at a Portugal banking conference.
Jobs underperform: Private payrolls added 150,000 jobs in June, less than expected.
Shelter share: Housing was up 5.5% year-over-year in May, down from 5.6% in April, and down from 8.3% in April 2023.
Rates still high: Average rates on the 30-year fixed mortgage decreased by 14 bps in June 2024, but were up by 28 bps from January, and up 21 bps since June 2023.

ALL NATIONWIDE MORTGAGE APPLICATIONS for the week ending June 28 (Source: MBA)
• Overall: Down 2.6%
• Purchase: Down 3.3%
• Refinance: Down 1.5%

If your goal is Financial Freedom, make sure your finances are in order! I can help you plan and review your current situation, there’s no obligation and the process is easy.
Christina Hinojoza
Loan Officer
(916) 595-0909
NMLS 294122 Land Home Corp NMLS 1796

Home Buyers Tup:

Great reminder for borrowers. When starting your quest and search for your DreM Home here are importznt thongs to keep in mind. These tips can keep ypu alert to what may seem as nothing but could have a big effect on the purchase mprocess and buying power.

REAL ESTATE MARKET, UPDAT
Jun 29 - There are still plenty of building permits being sought for new single-family homes. There were 2,740 issued in May for Maricopa and Pinal counties, which is is up 22% compared with May 2023 when we counted 2,246.
This brings the year-to-date total to 13,689 for the first 5 months of 2024. While this is less than for all 11 years from 1998 to 2008, it is the third highest total since 2007 and is up 56% from 2023.
Those who are selling re-sale homes will have much more competition if they are in an area which has lots of new construction going on. This is one of the reasons why the CMI is below 80 in locations such as Buckeye. Maricopa and Queen Creek. There are lots of both new and re-sale homes available in those locations and buyers have been showing a strong preference for new over re-sale for the past few years.
In more central locations, there are relatively few vacant land areas for developers to build on. This helps keep a lid on supply in places like Chandler, Tempe, Phoenix and Glendale. All these areas have CMIs over 130 at the moment, so they remain seller's markets.

Jun 27 - Here is our latest table of Cromford® Market Index values for the single-family markets in the 17 largest cities
he average change in CMI over the past month is -6.1%, a steeper fall than the -5.0% we saw last week . This is increasing the downward trend that started 6 weeks ago. As sellers compete with each other, price reductions are still increasing in both size and frequency.
This week we only have 3 cities showing an increase in their Cromford® Market Index over the past month, while 14 have declined.
Avondale is the biggest mover in favor of sellers. We have a much longer list of cities that moved substantially in favor buyers: Paradise Valley, Gilbert, Goodyear, Peoria and Fountain Hills.
9 out of 17 cities remain seller's markets over 110. We have 2 cities that are balanced, while the remaining 6 are buyer's markets.

Start the month off right with our July Checklist. From simple tasks to essential upkeep. Our friends at Lowe's Home Improvement , The Home Depot , and True Value can help.

Our Loan Experts can help you plan and review your current situation, there’s no obligation and the process is easy.
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With Factory fresh Mobile homes for sale – I just got recognized as one of their top fans! 🎉
Mobile/Manufacture Homes: Affordable Home purchase option.
Land Home has Financing for Manufactured housing which includes:
Conventional loan
FHA Loan with Down payment assistance
Chattel loan
Construction to perm
Park ModelsLeased Land
pre-HUD :oan
Leasedf Land
Off the Grud solar power properties
*** NOW AVALIBLE - CASH OUT 30 yr conventional refinance -Select MFH's
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link below to Apply Now!
Apply Now >>>> https://bit.ly/3Bc1iRj

M̳ᴏ̳ʀ̳ᴛ̳ɢ̳ᴀ̳ɢ̳ᴇ̳ ̳ɪ̳ɴ̳ ̳ᴀ̳ ̳M̳ɪ̳ɴ̳ᴜ̳ᴛ̳ᴇ̳ ̳-̳ ̳T̳ʜ̳ᴜ̳ʀ̳s̳ᴅ̳ᴀ̳ʏ̳,̳ ̳J̳ᴜ̳ɴ̳ᴇ̳ ̳2̳7 ⏱
𝕋𝕃;𝔻ℝ: ᴍᴏʀᴛɢᴀɢᴇ ʀᴀᴛᴇꜱ ʟɪᴋᴇʟʏ ᴛᴏ ꜱᴛᴀʏ ꜱᴛᴇᴀᴅʏ ᴛᴏᴅᴀʏ ᴡɪᴛʜ ʟᴏᴡ ʀᴇᴘʀɪᴄᴇ ʀɪꜱᴋ, ʙᴜᴛ ᴡᴀᴛᴄʜ ꜰᴏʀ ᴘᴏᴛᴇɴᴛɪᴀʟ ɪᴍᴘʀᴏᴠᴇᴍᴇɴᴛꜱ ᴡɪᴛʜ ᴛᴏᴍᴏʀʀᴏᴡ'ꜱ ɪɴꜰʟᴀᴛɪᴏɴ ᴅᴀᴛᴀ 🤞
𝗧𝗼𝗱𝗮𝘆'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀: 𝘙𝘢𝘵𝘦𝘴 𝘮𝘪𝘨𝘩𝘵 𝘴𝘵𝘢𝘺 𝘵𝘩𝘦 𝘴𝘢𝘮𝘦 𝘢𝘴 𝘺𝘦𝘴𝘵𝘦𝘳𝘥𝘢𝘺 𝘰𝘳 𝘨𝘦𝘵 𝘢 𝘣𝘪𝘵 𝘸𝘰𝘳𝘴𝘦. 𝘌𝘢𝘳𝘭𝘺 𝘦𝘤𝘰𝘯𝘰𝘮𝘪𝘤 𝘯𝘦𝘸𝘴 𝘩𝘦𝘭𝘱𝘦𝘥 𝘣𝘰𝘯𝘥𝘴, 𝘴𝘰 𝘣𝘪𝘨 𝘳𝘢𝘵𝘦 𝘤𝘩𝘢𝘯𝘨𝘦𝘴 𝘵𝘰𝘥𝘢𝘺 𝘢𝘳𝘦 𝘶𝘯𝘭𝘪𝘬𝘦𝘭𝘺. 𝘛𝘰𝘮𝘰𝘳𝘳𝘰𝘸’𝘴 𝘪𝘯𝘧𝘭𝘢𝘵𝘪𝘰𝘯 𝘥𝘢𝘵𝘢 𝘮𝘪𝘨𝘩𝘵 𝘴𝘩𝘰𝘸 𝘵𝘩𝘢𝘵 𝘪𝘯𝘧𝘭𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘤𝘰𝘰𝘭𝘪𝘯𝘨 𝘥𝘰𝘸𝘯, 𝘸𝘩𝘪𝘤𝘩 𝘤𝘰𝘶𝘭𝘥 𝘩𝘦𝘭𝘱 𝘪𝘮𝘱𝘳𝘰𝘷𝘦 𝘳𝘢𝘵𝘦𝘴.
𝗥𝗲𝗰𝗲𝗻𝘁 𝗥𝗮𝘁𝗲 𝗠𝗼𝘃𝗲𝗺𝗲𝗻𝘁: 𝘙𝘢𝘵𝘦𝘴 𝘤𝘳𝘦𝘱𝘵 𝘢 𝘣𝘪𝘵 𝘩𝘪𝘨𝘩𝘦𝘳 𝘺𝘦𝘴𝘵𝘦𝘳𝘥𝘢𝘺, 𝘣𝘶𝘵 𝘵𝘩𝘦 𝘰𝘷𝘦𝘳𝘢𝘭𝘭 𝘰𝘶𝘵𝘭𝘰𝘰𝘬 𝘩𝘢𝘴𝘯’𝘵 𝘤𝘩𝘢𝘯𝘨𝘦𝘥 𝘮𝘶𝘤𝘩. 𝘌𝘷𝘦𝘯 𝘴𝘮𝘢𝘭𝘭 𝘤𝘩𝘢𝘯𝘨𝘦𝘴 𝘤𝘢𝘯 𝘴𝘦𝘦𝘮 𝘴𝘪𝘨𝘯𝘪𝘧𝘪𝘤𝘢𝘯𝘵 𝘢𝘧𝘵𝘦𝘳 𝘢 𝘱𝘦𝘳𝘪𝘰𝘥 𝘰𝘧 𝘴𝘵𝘦𝘢𝘥𝘺 𝘳𝘢𝘵𝘦𝘴.
𝗟𝗼𝗰𝗸 𝗔𝗱𝘃𝗶𝗰𝗲:
• 𝗟𝗲𝘀𝘀 𝘁𝗵𝗮𝗻 𝟮 𝘄𝗲𝗲𝗸𝘀: 𝘊𝘢𝘶𝘵𝘪𝘰𝘶𝘴𝘭𝘺 𝘧𝘭𝘰𝘢𝘵. 𝘛𝘰𝘮𝘰𝘳𝘳𝘰𝘸’𝘴 𝘗𝘊𝘌 𝘥𝘢𝘵𝘢 𝘪𝘴 𝘶𝘯𝘭𝘪𝘬𝘦𝘭𝘺 𝘵𝘰 𝘩𝘶𝘳𝘵 𝘳𝘢𝘵𝘦𝘴 𝘢𝘯𝘥 𝘤𝘰𝘶𝘭𝘥 𝘩𝘦𝘭𝘱.
• 𝟮-𝟰 𝘄𝗲𝗲𝗸𝘀: 𝘍𝘭𝘰𝘢𝘵. 𝘖𝘯𝘭𝘺 𝘭𝘰𝘤𝘬 𝘪𝘧 𝘷𝘦𝘳𝘺 𝘳𝘪𝘴𝘬-𝘢𝘷𝘦𝘳𝘴𝘦. 𝘕𝘦𝘹𝘵 𝘸𝘦𝘦𝘬’𝘴 𝘥𝘢𝘵𝘢 𝘤𝘰𝘶𝘭𝘥 𝘪𝘮𝘱𝘳𝘰𝘷𝘦 𝘳𝘢𝘵𝘦𝘴, 𝘢𝘯𝘥 𝘵𝘩𝘦𝘳𝘦’𝘴 𝘵𝘪𝘮𝘦 𝘵𝘰 𝘳𝘦𝘤𝘰𝘷𝘦𝘳 𝘪𝘧 𝘪𝘵 𝘥𝘰𝘦𝘴𝘯’𝘵.
• 𝗠𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗮 𝗺𝗼𝗻𝘁𝗵: 𝘍𝘭𝘰𝘢𝘵. 𝘛𝘩𝘦𝘴𝘦 𝘭𝘰𝘢𝘯𝘴 𝘩𝘢𝘷𝘦 𝘵𝘪𝘮𝘦 𝘵𝘰 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘧𝘳𝘰𝘮 𝘶𝘱𝘤𝘰𝘮𝘪𝘯𝘨 𝘭𝘢𝘣𝘰𝘳 𝘢𝘯𝘥 𝘪𝘯𝘧𝘭𝘢𝘵𝘪𝘰𝘯 𝘥𝘢𝘵𝘢, 𝘸𝘪𝘵𝘩 𝘭𝘪𝘵𝘵𝘭𝘦 𝘳𝘪𝘴𝘬 𝘰𝘧 𝘳𝘢𝘵𝘦𝘴 𝘮𝘰𝘷𝘪𝘯𝘨 𝘮𝘶𝘤𝘩 𝘩𝘪𝘨𝘩𝘦𝘳.𝘢.

Housing market snap shot.

Inventory is a national concern in the housing market. Sub 4% rates from just 2 years ago to the 7 % plus now has effected the home buying power of the consumer an estimated 25%. Here is a snap shop of the home listungs today.

Great industry recourse - Cromford Associat LLC
Arizona Housing market update:
Jun 20 - Here is our latest table of Cromford® Market Index values for the single-family markets in the 17 largest cities
The average change in CMI over the past month is -5.0%, a steeper fall than the -3.4% we saw last week . This is increasing the downward trend that started 5 weeks ago. Price reductions are still increasing in both size and frequency.
As last week, we only have 4 cities showing an increase in their Cromford® Market Index over the past month, while 13 have declined.
Maricopa is the biggest mover in favor of sellers but it is only up 4% over last month. Gilbert, Peoria, Goodyear, Paradise Valley, Mesa, and Glendale are the primary locations moving in favor of buyers, with Gilbert's market deteriorating the fastest..
Despite the continuing deterioration, 11 out of 17 cities remain seller's markets over 110. We have 1 city (Goodyear) that is barely balanced, while the remaining 5 are buyer's markets.

With Phillip Hinojoza - Land Home Financial Services – I just got recognized as one of their top fans! 🎉

Manufacture Homes: Affordable Home purchase option.
Land Home has Financing for Manufactured housing which includes:
Conventional loan
FHA Loan with Down payment assistance
Chattel loan
Construction to perm
Park ModelsLeased Land
pre-HUD :oan
Leasedf Land
Off the Grud solar power properties
*** NOW AVALIBLE - CASH OUT 30 yr conventional refinance -Select MFH's
Send a DM - Call or text 480-213-1497 or email [email protected] FOR DETAILS or Hit the Link below to Apply Now!
Apply Now >>>> https://bit.ly/3Bc1iRj

The real estate agent is the Best asset in the process of selling you home. Knowledge is key to making educated dissions in the housing market. Here are inportant factors to consider when weighing thevalue of an agent. Click on the post for the full caaption.

Did you know around 30% of home loans are FHA loans? FHA loans are favored by first-time homebuyers because of their low down payment requirement, often as little as 3.5%. This can make homeownership more accessible for you.

Our Loan Experts can help you plan and review your current situation, there’s no obligation and the process is easy.
https://lhfs.com/