My name is Tracy Tolleson and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Phoenix home loan. I am a Phoenix mortgage consultant, serving all of Phoenix, and the surrounding communities. Purchasing a home is most likely the largest financial transaction of your life.
Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan. Although sharing these secrets may not make me popular with the other Arizona mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage.
So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process. To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan. Although sharing these secrets may not make me popular with the other Arizona mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage.
So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process. To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
Services
We know that you are not always able to find an answer to every question on our website.
That's why we encourage you to ask us a question.
One of the knowledgeable members of our team will respond shortly with an answer to any question you may have.
If you would like to speak with someone to ask your question, you can also reach us at our Phoenix, Arizona Mortgage Office at 602-274-2400.
There are MANY advantages to doing business with me, including the simple fact that I get the job done right, exactly as promised, on time, without inconveniencing you.
That's why we encourage you to ask us a question.
One of the knowledgeable members of our team will respond shortly with an answer to any question you may have.
If you would like to speak with someone to ask your question, you can also reach us at our Phoenix, Arizona Mortgage Office at 602-274-2400.
There are MANY advantages to doing business with me, including the simple fact that I get the job done right, exactly as promised, on time, without inconveniencing you.
We are here to serve you by answering your questions and assisting you in a friendly, courteous manner as you navigate through the mortgage loan process.
We understand that you have many mortgage consultant options and are prepared to earn your long term trust.
We are confident that you will quickly see how committed we are to making sure you select the right loan option for your specific situation.
Please call our Phoenix, Arizona office at 602-274-2400 or contact one of our team members directly using the information below.
We understand that you have many mortgage consultant options and are prepared to earn your long term trust.
We are confident that you will quickly see how committed we are to making sure you select the right loan option for your specific situation.
Please call our Phoenix, Arizona office at 602-274-2400 or contact one of our team members directly using the information below.
This calculator will compute your Total Monthly Mortgage Payment.
Your monthly payment will include principal and interest and an escrow account for property taxes and homeowners insurance.
This is also known as PITI.
These figures will be based on the term of your loan (amortization) and the amount of money you use for a down payment which is known as the loan to value (LTV).
This calculator will compute your Monthly Payment, the Total Interest you will pay over the term of the loan plus the total amount you will actually pay for borrowing the money.
Your monthly payment will include principal and interest and an escrow account for property taxes and homeowners insurance.
This is also known as PITI.
These figures will be based on the term of your loan (amortization) and the amount of money you use for a down payment which is known as the loan to value (LTV).
This calculator will compute your Monthly Payment, the Total Interest you will pay over the term of the loan plus the total amount you will actually pay for borrowing the money.
This is a list of things to steer clear of when you are seeking to obtain financing for a home.
The following items may prove to be a detriment when you wish to move forward with the loan process.
Don't buy or lease an auto!
Lenders look carefully at your debt-to-income ratio.
A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan.
Don't move assets from one bank account to another!
These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account.
The following items may prove to be a detriment when you wish to move forward with the loan process.
Don't buy or lease an auto!
Lenders look carefully at your debt-to-income ratio.
A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan.
Don't move assets from one bank account to another!
These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account.
All lenders and brokers are required to provide you with a Good Faith Estimate detailing the services you may be required to get and pay for in connection with your loan.
This Good Faith Estimate will give you a way to compare loans and see what your closing costs would be.
Below you will find a list of coded names that describe the different fees, which may be associated with the services previously mentioned.
These codes and names correspond to those found on the HUD-1 Settlement Statement.
If you use a real estate agent or broker to buy a house, the seller (not you) of the house will usually pay a fee to the real estate agent/broker.
This Good Faith Estimate will give you a way to compare loans and see what your closing costs would be.
Below you will find a list of coded names that describe the different fees, which may be associated with the services previously mentioned.
These codes and names correspond to those found on the HUD-1 Settlement Statement.
If you use a real estate agent or broker to buy a house, the seller (not you) of the house will usually pay a fee to the real estate agent/broker.
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