Brian Irby Mortgage

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.

09/09/2026

I was wrong last week, and my daughters collected 😅

I called for rates to improve. They did not. And since I handed my punishment to a 12 and a 10 year old, I’ll just say there was no mercy involved.

New week, new call. This one is all about inflation. PPI comes out Thursday, CPI Friday. If those numbers run hot, mortgage rates are going to feel it fast.

So here’s my prediction: we finish the week slightly worse than where we started 👀

But the bigger story is this. Stop trying to time this thing perfectly.

If you like the home and you like the payment, buy the home. If rates come down later, we look at a refinance. If rates climb, you’ll be glad you locked when you did.
Check back next week and see how I did.

And since the last miss cost me: what should the girls make me do if I get this one wrong too? 👇

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

Most people budget for the down payment and stop there.That’s the number everyone talks about, so it’s the only one that...
09/03/2026

Most people budget for the down payment and stop there.

That’s the number everyone talks about, so it’s the only one that gets planned for. Then the process starts and the rest shows up at its own pace. Each piece is small enough to shrug off on its own and heavy enough to sting when they stack.

The part that catches buyers off guard usually isn’t the amount. It’s the timing. Money leaving your account weeks before you own anything, and then again right after you’ve already spent what you had 😅

I’d rather you see all of it early and decide what you want to do about it than meet it in the middle of escrow.

So when I run numbers for someone, we go through the whole picture, not just the piece that fits on a listing.

If a move is on your radar, message me and we’ll map out what your cash timeline really looks like 📲

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

09/02/2026

Last week I called for rates to stay flat, and for four days I looked like a genius 😎

Then Kevin Warsh got near a microphone on Friday and my week fell apart.

New week, new call. We’ve got employment data rolling in all week, and Friday’s August jobs report is the one that matters. If the labor market keeps cooling, I think bonds rally and mortgage rates get a little breathing room.

So I’m calling it. Rates improve 📉

And I’m confident enough that if I’m wrong, my daughters get to pick my punishment. They’re 12 and 10. There will be no mercy 😅

Check back next week and let’s see how this one ages.

Anyone want to bet against me? I’m listening 👇

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

Nobody wants to be the one asking the beginner question 🙃So they don’t ask. They read a forum, take a guess, and then ma...
09/01/2026

Nobody wants to be the one asking the beginner question 🙃

So they don’t ask. They read a forum, take a guess, and then make a real decision on top of a bad answer.

I’ve been doing this long enough to know what people are sitting on before they say it out loud. There is nothing in that list I haven’t heard, and nothing in it that changes how I see somebody.

You’re not supposed to know this stuff. You’ll do this maybe three times in your life. I do it every day 🏡

So ask me the one you’ve been avoiding. The answer is almost always smaller than the version you’ve been carrying around 📲

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

12 years ago, my life changed forever — and 1,000,000% for the better.Life is simply better with you, Ash. I love the yo...
08/30/2026

12 years ago, my life changed forever — and 1,000,000% for the better.

Life is simply better with you, Ash. I love the young woman you’re becoming, and I couldn’t be more proud to be your dad.

Keep growing. Keep learning. Keep laughing. And above all, always be kind.

Happy 12th birthday. I love you forever. ❤️

Address

3948 E. Lafayette Avenue
Chandler Heights, AZ
85298

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