
Resources
Welcome to our Resources 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.

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.

⚠️ Watch Out for Wire Fraud
💸 Wire fraud is one of the biggest threats in real estate—and it’s often disguised as someone you trust.

🏢 DSCR Loans 101
DSCR loans let the property do the talking—perfect for investors who want simplicity, speed, and flexibility.
If you’re a real estate investor tired of jumping through hoops to prove income, welcome to your new best friend. I love placing these for clients because they cut through red tape and let investors grow their portfolios faster. And with over 50 lender partners offering DSCR options (in every state but New York), I can help find the right fit for nearly anyone looking to build wealth through real estate.

🚂Assumption Junction – Hop On That Low-Rate Train!
Take over someone else’s sweet sub‑4 % mortgage? Yep—here’s your professor‑approved field guide to loan assumptions.

⏳ Think It Takes 8 Years to Save for a Home? Think Again!
Most buyers aren’t saving for 20% down—and with the right strategy, you won’t need to either.

💸Crypto & Home Loans: The Road Ahead
Crypto may soon count toward mortgage approval, but there's still a long road of regulations, tech updates, and risk management ahead before it becomes reality.

🏦Bank Statement Loans
Hannah, a self-employed graphic artist, was ready to buy her dream home just 15 months after starting her business. With a bank statement loan, we qualified her using 12 months of deposits—no tax returns needed.

Zero Down Home Loans
Think you need a big down payment to buy a home? From VA and USDA loans to private lender programs and down payment assistance, there are more ways than ever to become a homeowner with $0 down.

Bridging the Down Payment Gap
Buying a home doesn’t have to mean draining your savings—there are incredible down payment assistance options that can help you get the keys with less cash upfront. From solar-powered savings with HOPER to low down payment and forgivable loan programs, there’s a plan for every kind of buyer.

♟️The Mortgage Game Plan: What It Takes to Win
Applying for a home loan isn’t just paperwork—it’s a major financial commitment that requires strategy, preparation, and teamwork. With over 25 years in the financial services industry, I’m here to guide you every step of the way and help you avoid costly surprises.

Your Credit Score Isn’t Perfect—But You Can Still Buy a Home
Your credit doesn’t have to be perfect to buy a home—you just need the right strategy, the right tools, and someone in your corner who knows how to make it happen.

💥 The Debt Snowball:
Discover how Dave Ramsey’s Debt Snowball method helps you pay off debt faster by focusing on small wins and avoiding costly credit management programs.

When Traditional Loans Say No—These Unique Mortgage Options Say Yes
For borrowers with non-traditional income, unique Non-QM loans—like bank statement or asset-based options—offer flexible, smart paths to homeownership when traditional loans fall short.

Do I Need 2 Years on the Job to Get a Mortgage?
You don’t need a perfect job history or traditional income to buy a home — with the right guidance and loan program, there’s often a way forward.

🧾 Mortgage Assets 101: Cash to Close, Reserves & Deposits
Curious how your assets impact your mortgage? Learn the essentials about cash to close, reserves, and large deposits—so you’re ready for every step of the process.

🏠 Property Taxes are Climbing
Property taxes are rising—even in Arizona—but you might qualify for exemptions that can help lower your bill.

The VA Loan Secret Weapon: Seller Concessions Explained
VA seller concessions can do more than cover closing costs—they can help buyers pay off debts, fund essential needs, and walk into their new home with financial peace of mind.

Riding the Mortgage Rate Roller Coaster - What You Control Right Now!
You can’t control where mortgage rates go, but you can control key factors like your credit score, loan type, and loan term to secure the best rate possible in today’s market.

What You Need to Know About Non-Occupying Co-Borrowers for FHA and Conventional Loans
Non-occupying co-borrowers can help buyers qualify for FHA, Conventional, and some VA loans by contributing income and assets, but each loan type has unique rules. Let’s explore how it works.

Arizona’s Housing Market & Trade Policy: Navigating the Crossroads
Discover how shifting trade policies and new tariffs could impact Arizona’s housing market, job growth, and what it means for buyers, sellers, and homeowners today.