Josh The Home Loan Guy, Spokane, WA Videos

Any big housing doomers you like listening to? • • • • • #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #phoenixrealtor #phoenixrealestate #scottsdalerealtor #glendalerealtor #chandlerrealtor #gilbertrealtor #azliving #arizonaliving #phxrealestate #phxhomes #peoriarealestate #phxrealtor #mesarealtor #azlender #azloanofficer #phoenixaz #phx #chandler #tempe #arizona #refinance #prequalify #mortgage #homeloan

Buying a house: More than just a roof over your head. • • • • • #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #phoenixrealtor #phoenixrealestate #scottsdalerealtor #glendalerealtor #chandlerrealtor #gilbertrealtor #azliving #arizonaliving #phxrealestate #phxhomes #peoriarealestate #phxrealtor #mesarealtor #azlender #azloanofficer #phoenixaz #phx #chandler #tempe #arizona #refinance #prequalify #mortgage #homeloan

It’s still Christmas until January 1, right? • • • • • #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #phoenixrealtor #phoenixrealestate #scottsdalerealtor #glendalerealtor #chandlerrealtor #gilbertrealtor #azliving #arizonaliving #phxrealestate #phxhomes #peoriarealestate #phxrealtor #mesarealtor #azlender #azloanofficer #phoenixaz #phx #chandler #tempe #arizona #refinance #prequalify #mortgage #homeloan

Feel free to nominate me for The Voice 🎤🎶🎄 • • • • • #goodyearrealestate #goodyearrealtor #goodyearrealtors #goodyearrealestateagent #goodyearhomes #goodyearhomesforsale #buckeyerealestate #buckeyerealtor #buckeyerealtors #buckeyerealestateagent #buckeyehomes #buckeyehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #mesarealestate #mesarealtor #mesarealtors #mesarealestateagent #mesahomes #mesahoemsforsale #scottsdalerealestate #scottsdalerealtor #scottsdalerealtors #scottsdalerealestateagent #scottsdalehomes #scottsdalehomesforsale

Have odd income or don’t qualify under “traditional” financing to buy a house? Maybe a Non-QM loan is for you. Here are three of the most common: 1. DSCR 2. Bank statement 3. Asset utilization • • • • • #goodyearrealestate #goodyearrealtor #goodyearrealtors #goodyearrealestateagent #goodyearhomes #goodyearhomesforsale #buckeyerealestate #buckeyerealtor #buckeyerealtors #buckeyerealestateagent #buckeyehomes #buckeyehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #mesarealestate #mesarealtor #mesarealtors #mesarealestateagent #mesahomes #mesahoemsforsale #scottsdalerealestate #scottsdalerealtor #scottsdalerealtors #scottsdalerealestateagent #scottsdalehomes #scottsdalehomesforsale

Here’s the difference between waiting for rates to come down to buy and buying now… and the difference in how much you’ll spend. • • • • • #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #phoenixrealtor #phoenixrealestate #scottsdalerealtor #glendalerealtor #chandlerrealtor #gilbertrealtor #azliving #arizonaliving #phxrealestate #phxhomes #peoriarealestate #phxrealtor #mesarealtor #azlender #azloanofficer #phoenixaz #phx #chandler #tempe #arizona #refinance #prequalify #mortgage #homeloan

It’s common knowledge that you don’t need 20% down to buy a house… but SHOULD you put 20% down? Or would it be better to do less? Let’s look at the math… • • • • • #temperealestate #tempterealtor #temperealtors #temperealestateagent #tempehomes #tempehomesforsale #glendalerealestate #glendalerealtor #glendalerealtors #glendalerealestateagent #glendalehomes #glendalehomesforsale #peoriarealestate #peoriarealtor #peoriarealtors #peoriarealestateagent #peoriahomes #peoriahomesforsale #surpriserealestate #surpriserealtor #surpriserealtors #surpriserealestateagent #surprisehomes #surprisehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor

Have a renovation project or major repair you need to take care of? Here are 3 ways to finance it WITHOUT some 25% credit card: 1. Renovation loan 2. Cash out refinance 3. HELOC Have questions on your renovation? Shoot me a message and I’ll help with the best strategy! • • • • • #arizonalife #chandlerrealestate #chandlerrealtor #chandlerrealtors #chandlerrealestateagent #chandlerhomes #chandlerhomesforsale #gilbertrealestate #gilbertrealtor #gilbertrealtors #gilbertrealestateagent #gilberthomes #gilberthomesforsale #queencreekrealestate #queencreekrealtor #queencreekrealtors #queencreekrealestateagent #queencreekhomes #queencreekhomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale #azhomeloan #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale

5 things NOT to do when buying a house: 1. Don’t check your credit score 2. Don’t take out any new loans 3. Don’t switch jobs 4. Don’t make any large purchases 5. Don’t take long to respond Have questions on buying a house? Send me a message! • • • • • #goodyearrealestate #goodyearrealtor #goodyearrealtors #goodyearrealestateagent #goodyearhomes #goodyearhomesforsale #buckeyerealestate #buckeyerealtor #buckeyerealtors #buckeyerealestateagent #buckeyehomes #buckeyehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #mesarealestate #mesarealtor #mesarealtors #mesarealestateagent #mesahomes #mesahoemsforsale #scottsdalerealestate #scottsdalerealtor #scottsdalerealtors #scottsdalerealestateagent #scottsdalehomes #scottsdalehomesforsale

How do mortgage rates affect the housing market? Several different ways: 1. Affordability 2. Demand 3. Home prices 4. Refinance activity I know rates aren’t ideal right now, might even feel impossible to buy a house. It won’t last forever - rates will come down - and when they do, more buyers will enter the market again, since that’s what happens EVERY time rates come down. • • • • • #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #phoenixrealtor #phoenixrealestate #scottsdalerealtor #glendalerealtor #chandlerrealtor #gilbertrealtor #azliving #arizonaliving #phxrealestate #phxhomes #peoriarealestate #phxrealtor #mesarealtor #azlender #azloanofficer #phoenixaz #phx #chandler #tempe #arizona #refinance #prequalify #mortgage #homeloan

Unpopular opinion: RATE DOESN’T MATTER! Keep your eye on the long term reality of building equity over several years. Of course everyone wants the best rate, but by the time rates get good again, homes will have appreciated and you’ll have missed out on thousands more in appreciation by waiting. I know it’s cliche, but there’s some truth to the statement “date the rate, marry the house”… maybe it’s better said “date the rate, marry the equity gain potential”. • • • • • #arizonalife #chandlerrealestate #chandlerrealtor #chandlerrealtors #chandlerrealestateagent #chandlerhomes #chandlerhomesforsale #gilbertrealestate #gilbertrealtor #gilbertrealtors #gilbertrealestateagent #gilberthomes #gilberthomesforsale #queencreekrealestate #queencreekrealtor #queencreekrealtors #queencreekrealestateagent #queencreekhomes #queencreekhomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale #azhomeloan #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale

Even though rates are high, there is still opportunity to refinance. How so? Well, consumer debt is over a trillion dollars 🥴 meaning many people have wracked up debt payments to unmanageable levels. However, home equity is also at an all time high, which is cash sitting there that you can use for other purposes like paying off higher interest debt. Message me if you have questions on refinancing! • • • • • #goodyearrealestate #goodyearrealtor #goodyearrealtors #goodyearrealestateagent #goodyearhomes #goodyearhomesforsale #buckeyerealestate #buckeyerealtor #buckeyerealtors #buckeyerealestateagent #buckeyehomes #buckeyehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #mesarealestate #mesarealtor #mesarealtors #mesarealestateagent #mesahomes #mesahoemsforsale #scottsdalerealestate #scottsdalerealtor #scottsdalerealtors #scottsdalerealestateagent #scottsdalehomes #scottsdalehomesforsale

Here are 5 simple but effective ways to save for a down payment. If down payment is a major hurdle for you, you HAVE to be disciplined and put in the work, but it IS attainable and within reach if you’re willing to be disciplined about it. And no, you don’t need 20% to put down - typically the minimum down is 3% of the purchase price. • • • • • #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #phoenixrealtor #phoenixrealestate #scottsdalerealtor #glendalerealtor #chandlerrealtor #gilbertrealtor #azliving #arizonaliving #phxrealestate #phxhomes #peoriarealestate #phxrealtor #mesarealtor #azlender #azloanofficer #phoenixaz #phx #chandler #tempe #arizona #refinance #prequalify #mortgage #homeloan

Credit score not where you want it? This is for you. It DOES take time to improve your score and you MUST remain disciplined and diligent when working on it, but it can be done. Your score is a major factor in determining loan terms, including your mortgage rate. • • • • • #temperealestate #tempterealtor #temperealtors #temperealestateagent #tempehomes #tempehomesforsale #glendalerealestate #glendalerealtor #glendalerealtors #glendalerealestateagent #glendalehomes #glendalehomesforsale #peoriarealestate #peoriarealtor #peoriarealtors #peoriarealestateagent #peoriahomes #peoriahomesforsale #surpriserealestate #surpriserealtor #surpriserealtors #surpriserealestateagent #surprisehomes #surprisehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor

Housing today is vastly different from 2008, and housing simply is unable to crash. Don’t believe me? Here are the stats today compared to then. • • • • • #arizonalife #chandlerrealestate #chandlerrealtor #chandlerrealtors #chandlerrealestateagent #chandlerhomes #chandlerhomesforsale #gilbertrealestate #gilbertrealtor #gilbertrealtors #gilbertrealestateagent #gilberthomes #gilberthomesforsale #queencreekrealestate #queencreekrealtor #queencreekrealtors #queencreekrealestateagent #queencreekhomes #queencreekhomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale #azhomeloan #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale

Step 6: Signing and closing on your new house! 🥂 through the ups and downs of the process, you finally made it to the end and you’re the proud owner of your new house! • Hope you enjoyed this series of the steps to buy a house, if you ever have questions on buying or refinancing, shoot me a DM! • • • • • #goodyearrealestate #goodyearrealtor #goodyearrealtors #goodyearrealestateagent #goodyearhomes #goodyearhomesforsale #buckeyerealestate #buckeyerealtor #buckeyerealtors #buckeyerealestateagent #buckeyehomes #buckeyehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #mesarealestate #mesarealtor #mesarealtors #mesarealestateagent #mesahomes #mesahoemsforsale #scottsdalerealestate #scottsdalerealtor #scottsdalerealtors #scottsdalerealestateagent #scottsdalehomes #scottsdalehomesforsale

Step 5: CLEAR TO CLOSE! The phrase lenders and realtors LOVE to hear! At this point, you’ve done a ton of work and are a week or less from the finish line - get ready to sign soon!

Step 4 is certainly the most fun step: Sending in more documents! 🥳 After an underwriter has reviewed the loan, they will “condition” the file with more documents they want to review prior to giving final approval and clear to close. • • • • • #temperealestate #tempterealtor #temperealtors #temperealestateagent #tempehomes #tempehomesforsale #glendalerealestate #glendalerealtor #glendalerealtors #glendalerealestateagent #glendalehomes #glendalehomesforsale #peoriarealestate #peoriarealtor #peoriarealtors #peoriarealestateagent #peoriahomes #peoriahomesforsale #surpriserealestate #surpriserealtor #surpriserealtors #surpriserealestateagent #surprisehomes #surprisehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor

Step 3: Under contract/offer accepted - congrats! This means that a seller has accepted an offer on your house and now it’s just a matter of dotting i’s and crossing t’s until the purchase journey closes and you are the owner of the home. During this step, there are several nuances that occur, and as lenders, we’ll be requesting a lot of documents from you and be in frequent communication with you. • Questions on the home buying journey? Shoot me a message! • • • • • #goodyearrealestate #goodyearrealtor #goodyearrealtors #goodyearrealestateagent #goodyearhomes #goodyearhomesforsale #buckeyerealestate #buckeyerealtor #buckeyerealtors #buckeyerealestateagent #buckeyehomes #buckeyehomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #arizona #arizonarealtor #mesarealestate #mesarealtor #mesarealtors #mesarealestateagent #mesahomes #mesahoemsforsale #scottsdalerealestate #scottsdalerealtor #scottsdalerealtors #scottsdalerealestateagent #scottsdalehomes #scottsdalehomesforsale

Step 2: The home search! This is the fun, and sometimes exhausting, step of the home buying process. You drive around viewing houses with your real estate agent and find what you love and don’t love about houses in order to know exactly what it is you want in a place to to call home. Don’t be afraid to be picky, but also be realistic! • • • • • #arizonalife #chandlerrealestate #chandlerrealtor #chandlerrealtors #chandlerrealestateagent #chandlerhomes #chandlerhomesforsale #gilbertrealestate #gilbertrealtor #gilbertrealtors #gilbertrealestateagent #gilberthomes #gilberthomesforsale #queencreekrealestate #queencreekrealtor #queencreekrealtors #queencreekrealestateagent #queencreekhomes #queencreekhomesforsale #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale #azhomeloan #azrealestate #azrealtor #arizonarealestate #azhomes #azhomesforsale