Brian Irby Mortgage

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Chandler Heights, AZ
Brian Irby Mortgage

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Brian Irby Mortgage, Loan service, 3948 E. Lafayette Avenue, Chandler Heights, AZ.

06/11/2026

Closing costs sound way scarier than they actually are 👇 Here’s the simple version, broken into three buckets.

Escrow and title. The folks making sure the home legally becomes yours. Title insurance, escrow fee, notary, recording fee 📋

Prepaids and impounds. Not really fees, just things you’d pay anyway, collected upfront. Homeowners insurance and property taxes that go into escrow and work for you 🏡

Lender fees. The cost of actually building your loan. Appraisal, credit report, origination charges 💼

Most buyers see one big number and panic. Once you know what each piece is, it stops being mysterious and starts being manageable 👀

And a good chunk of this can be negotiated or covered by seller credits.

Want your real numbers? DM me and I’ll break it down for your exact scenario 📲

06/10/2026

If your mortgage broker didn’t ask you these questions, that’s a problem 🚩

Your 3 to 5 year plan. Your real income stability. What you’re actually comfortable paying, not just what you qualify for on paper. The right loan depends on all of it 👀

Prescription without diagnosis is malpractice. If a lender isn’t curious about where you’re headed, they aren’t protecting your future 🛡️

A low rate means nothing if the loan fights your goals down the road.

Want a lender who asks the right questions first? DM me 📲

Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX

06/09/2026

You don’t need everything lined up to talk to a lender. The conversation is what gets you lined up 🏡

Stuff people wait on that they really shouldn’t:

Perfect credit. We can build a plan to get you there. Sitting in silence just costs you months 📊

The full down payment saved. There are programs and numbers that might already be options you don’t know about 💰

Finding the house first. That’s backwards. Know your budget before you fall for something out of range 👀

Feeling “ready.” Nobody feels ready. Ready comes from information, not a gut feeling 🙌

The truth is the perfect moment to start is just the moment you decide to ask. That first conversation costs you nothing and tells you everything.

When you’re ready, send me a message and let’s see where you actually stand 📲

Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

06/08/2026

Back in my DILF era 😏 Deals I Love to Fund, part two.

This one had everything that makes most lenders flinch. Self-employed. First-time buyer. Rural property. 626 FICO. A business that hadn’t even crossed the 2-year mark yet 👀

Most would’ve called it a dead end. I called it a bank statement loan and got it done 💪

Not every file fits neatly in a box, and those are exactly the ones I like 🏡

Got a situation that doesn’t look textbook? Let’s talk. DM me 📲

Brian Irby | Loomis Home Mortgage | 602-703-1212

06/05/2026

The cost of waiting isn’t just the rate. It’s the mental space it takes up. 💭

It’s scrolling Zillow at night knowing you’re not actually doing anything about it. It’s telling yourself “next year” for the third year in a row and not being any closer, because nothing has changed except the timeline. 🏡

Waiting feels safe because it feels like you’re not making a wrong decision. But not deciding is a decision. And the longer you sit there, the heavier it gets.

The buyers who feel the most relief aren’t the ones who got the best rate. They’re the ones who finally sat down, looked at their real numbers, and realized they had more options than they thought. 💡

If you’ve been thinking about it for a while and you’re still in the same place, that’s not patience.
That’s not having a plan.

Let’s build one. Send me a message. 📲

Brian Irby Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

06/04/2026

Most people think my job is just “getting you a loan.” 🏡
But so much of what I actually do happens before you ever sign a thing.

Sitting down with clients to map out what buying really looks like, comparing rates across hundreds of lenders, staying on top of guidelines that change constantly, and keeping your file moving so nothing slips. 📋

And my favorite part? Popping a bottle when the keys are finally in your hand. 🥂🔑

This is the behind the scenes most people never see, and it’s exactly why having someone in your corner matters. 😊

Curious what this would look like for you? Send me a message anytime.

Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

06/03/2026

The loan you qualify for and the loan that actually makes sense for your life aren’t always the same number. 💭

I’ve had clients walk in pre approved for $650K and walk out shopping at $475K. Not because something was wrong with the bigger number, but because once we ran the real math (the lifestyle, the savings goals, the trips they wanted to take, the room they wanted in the budget for actual living) the smaller number just fit better. 🏡

Qualifying tells you what the bank will let you borrow. Your life tells you what you should borrow. Two very different conversations.

That’s the part a calculator can’t do for you. And honestly, it’s the most important conversation you’ll have before you buy.

If you’ve gotten a pre approval number and you’re not sure what to do with it, send me a DM. We’ll run it through the lens of your actual life, not just the bank’s. 📲

Brian Irby Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX

06/02/2026

Buying a house can be a terrible financial decision. 🏡

There. I said it. Not because homeownership is bad. But because buying the wrong house at the wrong time for the wrong budget absolutely is. 😬

I’ve seen people so focused on “finally owning a home” that they never stopped to ask: can I actually enjoy my life after this payment? Can I handle the AC going out? Property taxes going up? Insurance jumping? Because all of that happens, and none of it shows up in the listing price. 📋

That’s why I’ll never pressure anyone into buying. Sometimes renting another year, building your savings, or just waiting until life is less chaotic is genuinely the smarter move. 💡

The goal isn’t just getting approved. The goal is stability. And when the timing is right, a home can be one of the best financial moves you ever make. ✅

If you’re trying to figure out whether now is your time, let’s just talk it through. No pitch, no pressure.

Brian Irby
Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
📲 602-703-1212

06/01/2026

You can’t control mortgage rates. 📉

You can’t control what the Fed does next month, or what some headline says about the market, or whether your group chat thinks now is “the time.”

But here’s what you actually can control. 🔑

The home you choose to build a life in. The neighborhood that fits how you actually live. Whether you’ve got a yard, a quiet street, and a walk to coffee in the morning. The version of your life you’re working towards. Whether this is the year you stop waiting. 🏡

Rates will do what rates do. They always have. The people who build wealth through real estate aren’t the ones who timed it perfectly. They’re the ones who made a smart move when the rest of their life was ready.

If you’ve been waiting for a sign, this might just be it. DM me and we’ll talk through what your move actually looks like. 📲

Brian Irby Mortgage Advisor | Loomis Home Mortgage |
Licensed in AZ, CO, OR, WA, FL, TX | 602-703-1212

05/30/2026

From kindergarten grad to 5th grade grad… somehow in the blink of an eye.
Proud of you, Ashlyn. Always. ❤️

Address

3948 E. Lafayette Avenue
Chandler Heights, AZ
85298

Website

http://www.brianirby.com/

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