Mortgage Payments & Strategies
Optimize your mortgage with smart payment strategies. Learn about bi-weekly payments, extra principal payments, and refinancing options.
Articles in Mortgage Payments & Strategies
Is The Mortgage Interest Tax Deduction Really a Big Deal?
See how the mortgage interest tax deduction works with four income examples and what those tax savings look like day to day.
Put A Bow On It: FHA Loan Gift Guide
Learn FHA gift fund rules for down payments—gift letters, documented transfers, acceptable donors, and why cash gifts are not allowed.
How to Skip 2 Payments On Your Mortgage?
See how refinancing can let you skip two mortgage payments, why interest is prepaid or rolled forward, and why it does not save money.
Buying or Selling personal property with your home sale? Must Watch this First!
Learn why personal property in a purchase contract can trigger lender issues and which Arizona items can transfer with the home sale.
Seller Concessions To Buyers - How Much?
Phoenix seller concessions vary with the market. Redfin: 65.6% of sales included one in the 3 months ending May 2026. Feb 2019 ARMLS figures are historical.
FHA Flip Rule Waiver Expired – You need to wait 90 days to write a contract
FHA still requires a 90-day wait after a seller acquires a home before a buyer can write an FHA contract. The 2011–2014 waiver was never renewed.
What Is An Assumable Mortgage?
Learn what an assumable mortgage is, how the assumption clause works, and why FHA loans can be a selling-point advantage.
Delayed Financing – how to get cashout without waiting 6 months seasoning
Learn how delayed financing lets you buy with cash and cash out soon after closing—without waiting the standard 6-month seasoning period.
What is an Example of a Mortgage Recast?
See a clear mortgage recast example, how lump-sum payments lower monthly payments, and when paying down principal without a recast is better.
Buying a House with a Cash Offer and Simultaneously getting Mortgage Financing
How to make a competitive cash offer using family or private funds, then refinance into a traditional mortgage after closing.
Understanding An Amortization Schedule
Learn how a mortgage amortization schedule works, how principal and interest change over time, and how extra payments can shorten your loan.
Conventional Home Loans vs. FHA Loans: Which Is Right for You?
Detailed side-by-side comparison of credit score rules, down payments, PMI vs. MIP, and total 30-year costs for Arizona buyers.
Arizona Real Estate Trends in 2026: Predicting Mortgage Rates & Market Shifts
As of August 2026, Arizona 30-year rates are around 6.6%–6.75%. Inventory is healthier; the mid-2026 5.5% rate call did not happen.
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