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Types of Loans
  • Fixed Rate Loans—An excellent way to lock into a low interest rate for the life of your loan.

     
  • Adjustable Rate Mortgages (ARM's)—The flexible loan, with lower initial rates and payments.

     
  • Initial Fixed Rate Loan—Start with a rate generally lower than standard fixed rate loans.
30 Year Fixed Rate
Borrower Goals Loan Parameters
•  Plan to live in the property over 10 years
•  Like total payment stability
•  Interest rate & monthly payment remain the same for 30 years

15 Year Fixed Rate
Borrower Goals Loan Parameters
•  Plan on staying in property over 10-15 years
•  Want to pay off property faster than 30 years
•  Lower interest rate than 30 year loan
•  Interest rate & monthly payment remain the same for 15 years

10/1 Year semi-fixed
Borrower Goals Loan Parameters
•  Plan to live in property approximately 10 to 12 years
•  Like initial payment stability, can accept interest rate change later
•  Interest rate & monthly payment fixed for the first 10 years
•  Starting the 11th year, interest rate adjusted every year, so payment is subject to change every year for remainder of loan

7/23 (2-Step) or '30/7 + 23'
Borrower Goals Loan Parameters
•  Plan to live in property approximately 7 to 8 years
•  Can tolerate one payment adjustment
•  Interest rate & monthly payment fixed for the first 7 years
•  Conversion option: On the 8th year, interest rate adjusted to reflect prevailing fixed interest rates, resulting payment will remain the same for remainder of loan

7/1 Year semi-fixed rate
Borrower Goals Loan Parameters
•  Plan to live in property approximately 7 to 8 years
•  Like initial payment stability, can accept change later
•  Interest rate & monthly payment fixed for the first 7 years
•  Starting the 8th year, interest rate adjusted every year, so payment is subject to change every year for remainder of the loan

5/25 (2-Step) or '30/5 + 25'
Borrower Goals Loan Parameters
•  Plan to live in property approximately 5 to 6 years
•  Can tolerate one payment adjustment
•  Interest rate & monthly payment remain fixed for the first 5 years
•  Conversion option: On the 6th year, interest rate adjusted to reflect prevailing fixed interest rates, resulting payment will remain the same for remainder of loan

5/5 & 5/1 Year semi-fixed rate
Borrower Goals Loan Parameters
•  Plan to live in property approximately 5 to 6 years
•  Like initial payment stability, can accept later changes
•  Interest rate & monthly payment remain fixed for the first 5 years
•  Starting the 6th year, interest rate adjusted every 5 years(for 5/5 ARM) and every year (for 5/1 ARM)

3/3 & 3/1 Year semi-fixed
Borrower Goals Loan Parameters
•  Plan to live in property 3 years or less
•  Like initial payment stability, can accept later changes
•  Interest rate & monthly payment remain fixed for the first 3 years
•  Starting 4th year, interest rate adjusted every 3 years (for 3/3 ARM) and every year (for 3/1 ARM)

Adjustable rate loans
Borrower Goals Loan Parameters
•  Want to take advantage of lowest rate possible
•  Are willing to accept yearly payment changes OR
•  Cannot qualify at higher rate programs
•  Interest rate adjusted every year, so monthly payment is subject to change every year for entire 30 year loan term
•  Potential higher payments (at maximum interest rate)
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Greater Arcadia Area, South Scottsdale Around Old Town and Southeast Paradise Valley Active Market Activity

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AND GET THE BEST VALUE WHEN PURCHASING A PROPERTY!

We put our many years of experience to focus on YOUR real estate goals as your real estate trusted advisors and dedicated advocates.  Helping Buyers and Sellers Throughout the Valley With Special Focus in Scottsdale, Phoenix, Paradise Valley, Tempe, and East Valley. Special knowledge in residential remodel homes & remodel opportunities, and green building / high performance and solar homes. 

Our team is looking forward to working with you!

Our business is built by happy clients. We invest our time delivering exceptional service to our customers. As a result, our valued customers, suppliers, and friends refer their family members, co-workers, neighbors and other people they know and like to us for advise on residential real estate in the Phoenix area.

Some Credentials & Memberships

  • Arizona Real Estate Broker
  • Solar Broker, Independent Solar Energy Consultant
  • National Association of REALTORS
  • Arizona Association of REALTORS
  • Scottsdale Association of REALTORS
  • Graduate Real Institute 
  • Certified Negotiation Expert
  • NAR GREEN Certified
  • EcoBroker Certified 
  • Certified Sustainable Building Advisor Certified
  • City of Scottsdale Environmental Advisory Commission
  • Valley Leadership Alumni
  • Scottsdale Leadership Alumni
  • Arizona Green Chamber of Commerce
  • Short Sale and Foreclosure Resource
  • US Green Building Council Arizona Chapter
  • USGBC Residential Green Building Committee
  • GREEN Resource Council
  • Arcadia Realtor Tour
  • South Scottsdale Home Tour
  • Heart of Scottsdale Home Tour
  • Luxury Home Tour, Paradise Valley
  • North Central Tour
  • Central City Home Tour
  • Phoenix Historic Home Tour
  • Scottsdale Association of Realtors
  • SAAR Sustainability Committee
  • SAAR 2017 Leadership Academy
  • Former Texas Real Estate Broker