Phil Ramos's Blog Posts

The Do’s and Don’ts after Applying for a MortgageOnce you’ve found the right home and applied for a mortgage, there are some key things to keep in mind before you close. You're

From Our Freinds at Movement Mortgage:Probably the biggest concern for prospective first-time homebuyers is the worry that they may not have enough saved up for a down payment or the expenses

VA Home Loans: Helping Heroes Find a HomeToday, on Veterans Day, we honor those who have served our country and thank them for their continued dedication to our nation. In the United States, there

Rent vs. Buy: How to Decide What’s Best for YouAccording to the U.S. Census Bureau, median rent continues to rise. With today’s low mortgage rates, there’s

How Down Payment Assistance Opens the Door to HomeownershipMany people are eager to buy a home right now while affordability continues to be a highlight of the current housing market.

Do You Have Enough Money Saved for a Down Payment?One of the biggest misconceptions for first-time homebuyers is how much you’ll need to save for a down payment. Contrary to popular belief,

How long have you lived in your current home? If it’s been a while, you may be thinking about moving. According to the latest Profile of Home Buyers and Sellers by the National

         You may have heard that pre-approval is a great first step in the homebuying process. But why is it so important? When looking for a home, the temptation

       You’ve probably heard that no debt is good debt, and if you have the ability to pay off your home mortgage (perhaps you lucked into an inheritance), your first

It’s something few homebuyers understand but more should. It’s the importance of your credit score when buying a home, especially if you have a low down payment and must buy private

8 things to do immediately when you buy a new homeIf you’ve just bought a house, congratulations are in order. Once you’ve made it through making the offer, the home,

 If you are the type of person who believes in warranties in general, then don't bother reading this.After buying a home, you eventually learn that appliances and major systems can break down

When planning a home purchase, you’ll have to decide how much to set aside for the down payment. There are several low-down-payment mortgage options and down payment assistance programs

What Exactly Is a Down Payment (And Why Is It Important)?You’ve no doubt heard the phrase “no money down!” on a late-night infomercial — but what exactly does that mean? It

Making the decision to buy a home is one of life’s biggest. And paying for it is one of life’s biggest expenses. “It can be very scary at first, being a single woman on one income

When it comes to natural beauty, few places rival Arizona. Its stunning deserts, majestic canyons, and rugged mountains create an idyllic backdrop for life. But good looks aren’t all Arizona

Should I buy mortgage points?Maybe. If you can afford to pay for the points upfront and intend to keep the home for several years, then you should buy mortgage points. Ideally, you want to at least

As mortgage rates continue to sit at historically low-interest rates, potential buyers have the chance to save thousands of dollars on their home purchase. You can take advantage of 

According to statistics, Arizona is the third-most-popular inbound state when it came to moving in 2019. That means Arizona was one of the most popular places to move to in 2019.Arizona is

Everyone is ready to buy a home at different times in their lives, and despite the health crisis, today is no exception. Understanding how affordability works and the main market factors that impact

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and

It’s Pride Month, and while the LGBTQ community is gaining more acceptance on some legal fronts, its members continue to report high levels of fear over discrimination in housing, according to

Is a Recession Here? Yes. Does that Mean a Housing Crash? No.On Monday, the National Bureau of Economic Research (NBER) announced that the U.S. economy is officially in a

6 Reasons Why Selling Your House on Your Own Is a MistakeThere are many benefits to working with a real estate professional when selling your house. During challenging times like the one

We all have debt, but it shouldn't hold us back from our dream home. I had debt and put off owning a home until I was shown how to get our dream home a lot quicker than I thought. I can show you too

Buying a Home Right Now: Easy? No. Smart? Yes.Through all the volatility in the economy right now, some have put their search for a home on hold, yet others have not. According to ShowingTime,

Rise to the Top of the Pool by Selling Your House TodayWith the release of the latest Economic Pulse Flash Survey from the National Association of Realtors (NAR), results