Should You Use a HELOC to Buy a Second Home? Here’s What Arizona Homeowners Need to Know. A client recently asked me: “Should I use a HELOC for the down payment on a second home?” On paper, it made sense. Strong equity. Stable income. Clear plan. Then he surprised me. Instead of using a Home…
The Credit Myth That Keeps Too Many Veterans on the Sidelines Waiting Let me say something right up front: If you’re a veteran and you’ve been told your credit isn’t good enough for a VA loan, don’t assume that’s the end of the story. I’ve personally worked with many veterans who almost gave up before…
Every few months, a new headline claims a housing crash is coming — especially in fast-growing states like Arizona. Those headlines grab attention, but they rarely hold up to scrutiny. Arizona population growth tells a very different story, and the data backs it up. When you step back from the noise and look at long-term…
VA IRRRLs Explained: When a Refinance Actually Makes Sense Mortgage rates have been hovering in our lowest range in nearly two and a half years for the last couple of months. Consumers are waiting for a big break lower, but the Federal Reserve paused its rate cuts this month. So, what does that mean for…
If you’re thinking about buying a home in Arizona, this market may be creating opportunities that many buyers are missing. If you’re waiting for the “perfect” time to buy or refinance in Arizona, you’re not alone. Many buyers are sitting on the sidelines, hoping for: Lower interest rates More inventory Less competition Better affordability Those…
If you’ve tried to buy a home in Arizona over the past few years, you’ve probably felt it: multiple offers, cash buyers, tight inventory, and prices that climbed faster than incomes. Wall Street buying homes has become one of the hottest housing debates in America… So when headlines say the President wants to block “Wall…
Check out my recent interview on Arizona Midday. It features some of the work I’m doing with United Food Bank and other charities. It also explains why individuals should not wait until interest rates go down to buy.
The current state of the housing market has led many to speculate about a potential crash similar to the one experienced in 2008. However, despite several shifts in the market, such a crash has yet to occur. This blog explores the reasons why this may be the case and why waiting for a major drop…
Getting ready to buy a home can take time and effort. With so many decisions to consider and the constant bombardment of misinformation about the housing market, it’s understandable why so many potential buyers often feel overwhelmed and, many times, just abandon the process and resign a new lease. Don’t be that person! This year…
Welcome to the new website for Home Sweet Loans with Mortgage Broker, and Certified Mortgage Advisor, Christian Wohl. The site has lots of features that should be of use to first-time home buyers, repeat home-buyers, and those who want to invest in residential properties, including rentals up to 4 units. Christian is focused on providing…
