Mortgage Minute
Welcome to our Mortgage Minute page—your go-to destination for the latest product news, mortgage insights, and industry updates. Whether you're a first-time homebuyer, refinancing your loan, or exploring market trends, we’ve got you covered with expert advice and up-to-date information. Stay informed and make confident financial decisions with our trusted mortgage resources.
A Home Loan Worth Knowing About
What if you could buy a home with just 2.25% down and no monthly mortgage insurance? HUD Section 184 could open the door for eligible Native American homebuyers.
🚨 Low Credit Score? New Rules!
Mortgage credit rules are changing! With VantageScore 4.0 expanding and one major lender removing minimum credit score requirements on select loans, buyers who were previously turned away may have new opportunities. Here's what you need to know.
🤔 New Job. New Home?
New job or retirement on the horizon? Fannie Mae’s latest income updates clarify what eligible buyers need to document before making their next move.
No Credit Score? You Still Have Options
No traditional credit score? That doesn’t automatically mean no mortgage. Learn how non-traditional credit works, what lenders may use to qualify you, and how VantageScore 4.0 is changing the mortgage credit conversation.
🏡 More Buying Power Is Here Early
More conventional buying power is already available! I have lenders allowing me to originate eligible loans up to $850,000 under the projected 2027 conforming loan limit—and FHA increases could be coming next. Stay tuned!
🏠 Keep Your House AND Buy Another?
Buying another home doesn't always mean selling the one you have. New Fannie Mae rental-income rules may make keeping your current home as a rental easier.
Arizona Closings Just Got a New Security Check
Arizona’s new thumbprint rule is here. See what buyers, sellers and agents should expect at closing.
The Junk Mail After Closing
New home, new keys…new junk mail? 😳 Find out why mortgage offers start piling up after closing, how to cut down the noise, and what to watch for before responding.
🇺🇸 Arizona Veterans: Big Tax Relief Is Coming
Big property tax relief is coming for Arizona disabled veterans in 2027. Income limits are going away and eligibility is expanding. Here's what veterans and their families need to know.
🏠 New Appraisal Changes Are Coming: What You Need to Know
🏠 Big appraisal changes are coming November 2, 2026. Here’s what buyers, sellers and real estate agents need to know — and how to prepare. 🔗 Read the full Mortgage Minute.
💰 Is Your Earnest Money Really Safe?
Earnest money shows you’re serious—but is it protected? Learn how purchase contingencies, financing, and a thorough preapproval work together to help protect your deposit.
Cromford Report
The Cromford Report is a Detailed Analysis of the Phoenix Metro Housing Market. While Many of Our Partners & Clients are in different areas, Phoenix often starts housing trends and thus we think the information is valuable regardless of your market. **Subscribe to our weekly newsletter to get exclusive insight and information.
🎥Content That Closes
Turn your social media into actual business. Join me at a multi-million-dollar luxury listing for an exclusive evening of social media training, professional content creation, headshots, B-roll, reels and more. Limited seating — grab your ticket before they’re gone!
💰Saving for a Home? Here's How to Buy Sooner Than You Think
Think you need 20% down to buy a home? Learn how seller concessions, low down payment programs, and smart savings strategies can help you reach homeownership sooner.
🏢 New Rules for Condo Financing
Buying or selling a condo? New lending guidelines mean more project reviews, more documentation, and longer timelines. Here's what you need to know—and why some condos may still qualify even if they don't meet conventional lending standards.
Inspection vs. Appraisal:
Many homebuyers think inspections and appraisals are the same—but they serve very different purposes. Learn what each one does, how they protect you, and why both are critical before closing on your new home.
🚧 ROAD to Housing Act:
The ROAD to Housing Act is officially law—but don't expect overnight changes. Here's what it means for buyers, sellers, agents, and lenders.
🏡 Lower Your Payment for Year One
A limited-time lender-paid 1-0 buydown could lower your monthly mortgage payment by about $250 per month during your first year of homeownership. Learn how it works, see a real-world payment example, discover how two families used the program, and find out why eligible loans must be locked by August 31, 2026.
The Heroes Behind Every Successful Home Closing - Title and Escrow
Ever wondered what the title company actually does? Learn the difference between title and escrow, why Arizona often combines both services, and how these behind-the-scenes professionals help protect your home purchase from contract to closing.
Buy Before You Sell
Buying and selling a home at the same time can feel overwhelming. Learn how a Buy Before You Sell program works, who it may benefit, and whether it's the right strategy for your next move.