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October 28, 2021

How To Hit The Low Spot

 When you think about refinancing, you may ask yourself, when is the best time to lock my rate? How do I find the low spot to get the best deal? I have only been negotiating rates with wholesale lenders for a decade but in my experiance the best choice has always been the same since I started, choose the lowest rate for free, take it right away, and wait for the next rate drop. 

We never know when its going to be the lowest and the lowest may not even exist. Rates may just fall until they are negative, that is what our CEO Danielle, President Trump and Warren Buffet have been saying for years. So if thats the case, the best choice would to always have the lowest rate for free. 

Call, text or email us now!

Michael call or text 520-523-SOEZ or email

Danielle call or text 520-523-7639 or email


What Is A 7/6 ARM?

 7/6 ARM: A 7/6 ARM loan has a fixed rate of interest for the first 7 years of the loan. After that, the interest rate will adjust once every 6 months over the remaining 23 years.

October 13, 2021

Mortgage Rates In October Are Spooky Low, Here Are Some Rates and Costs Available Today

 The lowest rate on a 30 year fixed for 0 points and 0 cost that I funded was 2.5% on a 30 year fixed. You would need the best case scanario to get that rate. Loan amount over $400k and 40% equity, Single Family Home, that you occupy as your primary home. 

Most people with the best case scanario were able to obtain 2.69% and 2.75% for no cost on a 30 year fixed. 

We introduced a new ARM that is amortized for 30 years but only fixed for 7 years, on the 8th year it can adjust down or up every 6 months. Some people recieved rates as low as 2.375% for no cost with this option. 

The 15 year fixed was at 2.125% to 2.25% for no points and no fees for many scanarios. There was a day this year that 1.99% was avaialble for free on a 15 year fixed. 

On the 10 year fixed, one client from Carlsbad, CA recived 1.99% for 100% free. That was the lowest rate funded for no cost in 2021 with us. 

If you would like to know what rate you can get for 0 points, and 0 Lender Cost with a credit covering all the 3rd party cost, making it 100% free, email me at or call me at our new EZ number 520-523-SOEZ. 

October 1, 2021

Effort To Manipulate The Housing Market

I’m not sure if you’re subscribed to these guys who create videos about the housing market but I thought this was interesting enough to share.  It discusses how big companies are buying houses in an effort to manipulate the housing market, change comps, and thus earn more of a profit.  The video is only a few minutes long so if you have the opportunity, I’d love your feedback.