Team Green , Great with BBQ
🍗 🍖 🍗 🍖
Team Green, We Do Mortgages
480-704-4890, teamgreen@fairwaymc.com
Nmls #229993. Equal housing lender.
Fairway Independent Mortgage Corp. – McCormick Ranch
8390 E. Via De Ventura Blvd, Suite F-204
Scottsdale, AZ, 85258
#bbq, #barbeque, #scottsdalebarbeque, #nakedq, #Scottsdale, #Arizona, #mortgagelender, #mortgagebroker, #homeloanspecialist, #realestate, #wedomortgages, #teamgreen, #fairwayindependentmortgage.
Team Green, Great with BBQ
UNDERSTANDING CONVENTIONAL LOANS
A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government. This is different from a conforming mortgage, which adheres to the guidelines set by Fannie Mae and Freddie Mac.
Conventional mortgage loans can be fixed mortgages or adjustable-rate mortgages, including hybrid ARMs. Conventional mortgages typically have a slightly higher down payment than government loans. However, conventional mortgages normally provide more flexibility and lower interest rates for buyers with good credit and the ability to afford a slightly higher down payment.
I would love to talk with you to see if you qualify for this type of loan for your home purchase. Call me today to set up an appointment.
Team Green , We Do Mortgages
480-704-4890, teamgreen@fairwaymc.com
#conventional, #conventionalloans, #conforming, #fanniemae, #freddiemac, #homeready, #homepossible, #mortgage, #arizona, #scottsdale, #mortgagebroker, #homeloan, #interestrates, #rates, #mortgagerates, #teamgreen.
Understanding Conventional Loans
The Team Green Band tries it’s hand at a Boy Band Classic.
“I Want it That Way” by the Backstreet Boys.
Team Green’s back, alright!!
#thebackstreetboys, #backstreetboys, #boybands, #theteamgreenband, #nsync, #newkidsontheblock, #arizona, #arizonahomeloan, #scottsdale, #scottsdalehomeloan, #scottsdalemortgage, #mortgage, #mortgagebroker, #fairwayindependentmortgage, #teamgreen
I Want It That Way – The Team Green Band
Congratulations on your closing Philip Simmons and James Wexler!
#Philipsimmons, #KWphxarcadiabiltmore, #Jameswexler, #Realtyexecutives, #Valleywiderealtors, #AZrealty, #Eastvalleyrealtors, #Westvalleyrealtors, #Phoenix, #Arizona, #Scottsdale, #Maricopacounty, #Biltmorepromenadecondos, #LarryCKennedyElementary, #LarryCKennedyJuniorhigh, #Camelbackhighschool, #Phoenixunionhighschooldistrict, #Mortgageprofessionals, #ScottsdaleMortgagelenders, #Azmortgages, #Mortgagedreamteam, #Fairwayindependentmortgagecorp, #McCormickRanch, #TeamGreen
Congratulations on your closing Philip Simmons and James Wexler!
Congratulations on your closing Nicholas Kibby and Karl Wertzberger!
#NicholasKibby, #Relevate, #KWPHX, #Karlwertzberger, #Revelationrealestate, #Valleywiderealtors, #AZrealty, #Eastvalleyrealtors, #Westvalleyrealtors, #Phoenix, #Arizona, #Maricopacounty, #Villagepark, #Curryelementaryschool, #Connollyjuniorhighschool, #Tempehighschool, #Tempeunionhighschooldistrict, #Mortgageprofessionals, #ScottsdaleMortgagelenders, #Azmortgages, #Mortgagedreamteam, #Fairwayindependentmortgagecorp, #McCormickRanch, #TeamGreen
Congratulations on your closing Nicholas Kibby and Karl Wertzberger!
Team Green – Your Lending Rocks Stars
Team Green / 480-704-4890 / Teamgreen@fairwaymc.com
#yourlendingrockstars, #lendingrockstars, #rockstars, #rockstar, #mortgage, #homeloan, #Arizona, #Scottsdale, #arizonahomeloans, #arizonamortgage, #fairwayindependentmortgage, #teamgreen.
Congratulations on your closing Jeff Barker and Matt Horton!
#Jeffbarker, #Homesmart, #Matthorton, #Realtyonegroup, #Valleywiderealtors, #AZrealty, #Eastvalleyrealtors, #Westvalleyrealtors, #Phoenix, #Arizona, #Maricopacounty, #Santabarbara, #Tuscan, #Desertpeak2, #DrHoorton, #ParadiseValleyUnifiedDistrict, #Mortgageprofessionals, #ScottsdaleMortgagelenders, #Azmortgages, #Mortgagedreamteam, #Fairwayindependentmortgagecorp, #McCormickRanch, #TeamGreen
Congratulations on your closing Jeff Barker and Matt Horton!
Congratulations on your closing Jeff Wagner and Nicholas Kibby!
#Jeffwagner, #Monacorealty, #Nicholaskibby, #Kellerwilliamsphx, #Relevate, #Valleywiderealtors, #AZrealty, #Eastvalleyrealtors, #Westvalleyrealtors, #Gilbert, #Arizona, #Maricopacounty, #Hunterpointatwinddrift, #SonomaRanch. #GreenfieldJuniorHigh, #GilbertHigh, #GilbertUnifiedDistrict, #Mortgageprofessionals, #ScottsdaleMortgagelenders, #Azmortgages, #Mortgagedreamteam, #Fairwayindependentmortgagecorp, #McCormickRanch, #TeamGreen
Congratulations on your closing Jeff Wagner and Nicholas Kibby!
August 2018
Below is Team Green’s fantastic August Newsletter.
That is my non biased opinion.
Hope you have some great times with friends and family in August.
We’re here to help if you need us J
My Family
Our kids went back to school last week and my wife is pretty sad because our girl, Dylan Rose, is now a full timer.
Time goes by so quick – we are going to be empty nesters before we know it.
They had a lot of fun this Summer with trips to Utah and Hawaii and lots of swimming, gaming, IPading, Drawing, and playing.
Life was good!
Unfortunately, we had a very tough family event in August.
My Dad – Big Reg – passed away unexpectedly.
He will be greatly missed 😦
Remember to love your family and friends dearly – you just never know when something like this can happen.
I hope you and your family have a great August!!
Please call us if we can help with any home purchase or refinance needs.
We are licensed in AZ, CA, CO, GA, IL, MI, WA, and MI.
TEAM GREEN / 480-704-4890 / TEAMGREEN@FAIRWAYMC.COM
Team Green’s August Videos and Ads:
Mortgage and Housing News:
Interest rates have remained very steady over the course of the Summer.
Well qualified (740 +) conventional loan borrowers are usually locking in at 30 year fixed rates in the mid 4%’s to low 5%’s depending on closing costs considerations.
The big concern these days with many consumers is: ARE WE HEADING FOR ANOTHER HOUSING BUBBLE?
Because the real estate market has had healthy home appreciation over the past few years, many consumers feel that we are in line for a down turn.
Could this be a risky time to buy?
The housing data before the recent housing crash and today are very different.
HOME APPRECIATION LEVELS:
Before the most recent housing crash – homes were appreciating at a much higher level than normal.
See chart below:
Notice the years before the Great Recession had an appreciation level much higher than the historic normal.
Although homes have had healthy appreciation over a number of years, Today’s appreciation is close to the historic normal and is right in line with where it would be had a housing crash never happened.
SUPPLY AND DEMAND:
The other data that supports a healthy housing market is the supply and demand.
See chart below for Monthly Supply of Houses in the United states from FRED Economic Data.
Notice in the late 2000’s, the monthly inventory levels were very high.
There were far more homes than the demand for them which resulted in heavy depreciation.
When home prices drop it’s a simple matter of supply and demand.
There are more homes on the market than the demand for those homes which pushes prices down.
Currently, US homes have about a 6 month inventory level and we are at the lowest inventory levels in the past 4 years.
The data supports a healthy US real estate market.
Mortgage Quotes / Apply for a Mortgage Online:
For a no obligation mortgage quote, please call us at 480-704-4890 or go to:
To apply for a refinance or home purchase loan, please call us or go to:
Have a great August!!
TEAM GREEN / 480-704-4890 / TEAMGREEN@FAIRWAYMC.COM
Congratulations on your closing Andrea Stepien and Kevin Langan!
#Andreastepien, #CCCO, #Kellerwilliamsrealtyphoenix, #Kevinlangan, #BTGrealestate, #Valleywiderealtors, #AZrealty, #Eastvalleyrealtors, #Westvalleyrealtors, #Apachejunction, #Arizona, #Maricopacounty, #Sousaelementary, #Smithjuniorhigh, #Skylinehigh, #Mesaunifiedschooldistrict, #Mortgageprofessionals, #ScottsdaleMortgagelenders, #Azmortgages, #Mortgagedreamteam, #Fairwayindependentmortgagecorp, #McCormickRanch, #TeamGreen
Congratulations on your closing Andrea Stepien and Kevin Langan!
