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How to Remove Your Name from CAIVRS

April 10th, 2018 by DesSpr No Comments

Buying a home can be a grueling process, and having any sort of ding on your credit report can be detrimental when trying to get a loan. One of the pre-screening processes when trying to acquire a government backed loan is known as CAIVRS. Aside from a credit report, passing the CAIVRS screening is crucial… [read more]

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580 Credit Score Home Loans

February 7th, 2018 by DesSpr No Comments

Buying a home is a huge financial decision, and the better your credit score, the easier it will be for you to get approved for a home loan. But what if your credit score is stuck at that dreadful 580, is it possible to get approved? The answer is yes! Although it is not ideal,… [read more]

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Best Times to Buy a House in Arizona

January 10th, 2018 by DesSpr No Comments

Buying a house can be an extremely daunting experience, but knowing when it is the best time to buy will undoubtedly help you in the process. Where most states suggest that winter is the slowest time for the housing market, Arizona is slightly different. Because of the extreme summer heat, summer is the slowest time… [read more]

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How to Get Rid of Mortgage Insurance

November 21st, 2017 by DesSpr No Comments

  What is Private Mortgage Insurance (PMI)? Private mortgage insurance is an insurance policy, paid for by a home buyer, that protects a lender’s financial interests should a home buyer default on their home loan. Mortgage insurance is required when home buyers put less than 20% down on a home purchase, and the high cost… [read more]

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Affordable Ways to Furnish Your New Home

October 18th, 2017 by DesSpr No Comments

When you’re moving in to a new home, you’ve probably already incurred considerable expense with all the associated costs of the purchase itself, so adding on the expense of furnishing can really put a strain on your financial resources. There are some affordable ways to furnish your new home however, so you can still acquire… [read more]

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Adjustable and Fixed Rate Mortgages for Arizona Homeowners

September 13th, 2017 by DesSpr No Comments

If you have been looking to get a mortgage, you might have heard terms that you don’t understand. The world of mortgages is pretty complex, with many different products for different needs, credit scores, and circumstances. Let’s go over two of the most common mortgage loans, the adjustable and fixed rate mortgages for Arizona homeowners…. [read more]

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The Benefits of Greeting New Neighbors (Instead of Avoiding Them)

August 9th, 2017 by DesSpr No Comments

Moving is stressful, expensive, and exhausting. When the last moving truck has left and you are surrounded by boxes of yearbooks, pillows and office supplies, your neighbors are probably the last thing on your mind. But, avoiding greeting your new neighbors might not be a great idea. After all, you share a neighborhood. This means… [read more]

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What You Need to Know About Your Home Inspection Report

July 19th, 2017 by DesSpr No Comments

If you are selling your house or just thinking about it, you might be wondering about the home inspection process and what to expect. What will your home inspection report say? Will it be a deal breaker for most buyers? Are there any major repairs that you didn’t even know needed to be done? With… [read more]

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Reading Credit Report

July 5th, 2017 by DesSpr No Comments

So, you’ve decided to pull your credit report. Few things in life are more stress-inducing than keeping an eye on your credit, and worse, knowing you need to fix something but don’t know what. Your credit report will spit out several pages of data, but it’s not always easy to decipher what the data means… [read more]

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Moving to Arizona – Finding a Realtor & Mortgage Broker

June 13th, 2017 by DesSpr No Comments

Moving to a new area is daunting, especially if you don’t know anyone. For some, it can almost feel like moving to a new country, or even planet! New grocery stores, different customs, different social norms, and a variety of other factors can make it extremely nerve-wracking. If you are moving to Arizona, don’t worry,… [read more]

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