Mortgage Banker
Pinnacle Capital Mortgage Corporation 8145 E. Evans Road, Suite 5 Scottsdale, AZ 85260
Arizona Homeowner May | June 2014
MLO-180079
Real estate financing can be a daunting task. And that is especially true in today’s world where lenders are more cautious about lending due to economic uncertainty. I understand that choosing a mortgage is one the biggest decisions that you will make. You want the best interest rate and you want the pre-approval, application, and close of escrow process to be hassle-free. I understand. I listen to your needs. And I respond quickly and deliver. Let me put my nearly two decades of residential lending experience to work for you!
Call me today!
PEAK HOME BUYING SEASON
Welcome to spring! Our near-perfect weather this time of year also sets the stage for peak season in home buying and selling. The last couple of years have been a bit of a seller’s market, with over 25% annual home appreciation in most areas of the Valley. But for 2014, the market seems to be back to a more normal balance with homes selling in an average of three to six months. As an example, in January of this year, there were just under 4,000 homes sold with 21,000 homes on the market. The last time we had a market with this type of “normal” balance was all the way back in 2003. But as January’s numbers illustrate, a normal market with a healthy inventory of homes tips the scale in favor of the buyer. If you are looking to buy a new home, you may not find a better time with this amount of inventory of homes and the low mortgage rate environment.
If you are looking to buy or sell your home, or just want to do some spring cleaning, here are some tools to help you get started: Curious what your home is currently worth? Understanding your home’s value is useful when thinking about selling a home. And since your home represents a good portion of family wealth, it is good to document the value from time-to-time. Our technology has improved to the point where I can now offer a free automated home valuation to any interested clients. Just call or email and I can send you a free report within 24 hours.
Brady Holland Branch Manager MLO-180079
Direct: 480.272.3282 Email: Brady@BradyHollandGroup.com
www.BradyHollandGroup.com
Many of you were required to have mortgage insurance because you had less than 20% equity when you took out your last mortgage. That’s probably costing you anywhere between $100-$450 per month. But you don’t have to pay mortgage insurance forever.
Time to update your home? With home values accelerating, many people now want to finance home improvements to increase their enjoyment and maximize their resale value. Contact me today to find out how to make home improvements affordable.
AZ BK#910890
The Best Hot Spots
Do your credit card balances seem to never go away? Contact me to find out about a disciplined approach to use the low rates and tax deductibility of mortgage interest as a tool to pay off your credit card debt in record time.
MORTGAGE RATES
for the guys
As of 2/15/14
Loan Rates for $150K-$417K: • 30-Year Fixed: 4.500%/4.744% APR • 15-Year Fixed: 3.500%/3.843% APR • 7/1 ARM: 3.500%/3.392% APR
*Note: All above conventional rate quotes offered for primary home purchase or no cash-out refinance financing with 20% equity and 720+ FICO scores. Other financing options are available upon request. All rates are quoted subject to change without notice. NMLS 81395
Enjoy a Stay-cation
Contact me to find out how to get rid of your mortgage insurance and save yourself thousands of dollars a year.
This is not a commitment to lend. Subject to qualification. Not all applicants will qualify.
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Brady Holland
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