Frontier Financial of Arizona

06/03/2026

Thinking about using your home’s equity but not sure which option is right for you?

There are two types of second mortgages, and understanding the difference can help you make a more informed financial decision.

* Home Equity Line of Credit (HELOC) – Works like a credit card. You borrow as you need it, up to your limit.
* Closed-End Home Equity Loan – A lump sum loan with fixed payments, similar to a traditional mortgage.

Both can be useful tools for:
- Debt consolidation
- Home improvements
- Purchasing another property

but the right choice depends on your financial goals.

In this video I explain the differences in simple terms to help you decide what may work best for your situation.

Have questions about your home equity options? Reach out anytime.

Traci Ranic
928-202-4270 | [email protected]
Frontier Financial of Arizona
“The Home of the Loan Arrangers”

Thinking about using your home's equity to consolidate debt, make h...

05/11/2026

Come join me and the Frontier Financial of Arizona team tomorrow night at the FREE Senior Referral Network Event! If you are a senior, a caregiver to a loved one or in the senior services industry this event is for you!

May 12, 2026
5:00-7:00pm
The Center on Rosser
1280 E Rosser St.

FREE TACOS and DRINKS!

RSVP here: https://seniorreferralnetwork.org/events/

04/21/2026

Understanding the mortgage process does not have to be confusing.

In this video and blog, Traci Ranic with Frontier Financial of Arizona breaks down her simple and proven approach to home financing: Education, Preparation, and Ex*****on.

Whether you are buying your first home, your 15th home, looking to refinance, or you are 62 or better and exploring a reverse mortgage, this process is designed to give you clarity and confidence every step of the way.

You will learn:
How understanding your loan options can save you time and money
Why proper preparation is key to getting approved
What it takes to ensure a smooth and successful closing

If you have ever wondered how the mortgage process really works or want to feel more confident before getting started, this is a great place to begin.

Watch the video and read the full blog to learn more, then reach out when you are ready to explore your options.

https://www.frontierfinancialaz.com/education-preparation-and-execution-the-recipe-for-a-smooth-loan-process/

09/24/2025

🇺🇸 Calling all Veterans, Surviving Veteran Spouses and Veteran Family Members: RSVP Today for this informative presentation by Craig Furst at Highgate Senior Living!
https://crm.welcomehomesoftware.com/events/rsvp/943cab56-1323-4a59-a824-0ffc2e12b316

08/14/2025

🌟 Unlock the Power of Home Equity – Join Us for a Reverse Mortgage Lunch & Learn! 🌟

📅 When: Tuesday, August 19th, 2025
🕒 Time: 11:30 AM – 1:00 PM
📍 Where: Circle of Life Resource Center
377 N Montezuma St., Prescott, AZ 86301

Enjoy a complimentary lunch while learning how a reverse mortgage can help you or a loved one:

✅ Supplement Retirement Income – Turn part of your home equity into tax-free cash without monthly mortgage payments.
✅ Preserve Investments – Avoid selling assets during market downturns.
✅ Age in Place – Make home upgrades or pay for care services to stay comfortably at home.
✅ Pay Off Existing Mortgage – Free up monthly cash flow.
✅ Bridge to Social Security – Delay benefits to maximize future payouts.
✅ Protect Against Market Fluctuations – Have a safety net for unexpected expenses.

Whether you’re a homeowner 62+, a caregiver, or a financial professional, you’ll gain clear, up-to-date insights on how reverse mortgages work, the safeguards in place, and whether it’s right for your situation.

🍽 Lunch is on us, but seats are limited – reserve yours today!
🔗 Register Here: arizonareversemortgages.net/events

Presented by:
Traci Ranic – Reverse Mortgage Specialist
📞 Office: 928-202-4270 | 📱 Call/Text: 916-813-4213
✉ [email protected]
🌐 frontierfinancialaz.com | arizonareversemortgages.net

05/22/2025

📉 Falling behind on your mortgage — or worried you might? You’re not alone, and there are options.

Whether you have a conventional, FHA, or VA loan, your mortgage servicer may offer loan modification solutions to help you stay in your home during tough times. But it’s important to act early and know what to expect.

📝 Learn what documentation you'll need, how modifications work, and how to increase your chances of approval.

👉 Read the full blog here: https://www.frontierfinancialaz.com/understanding-loan-modification-options/

Questions? I’m here to help:
📧 [email protected]
📞 928-202-4270
📱 Text: 916-813-4213

05/08/2025

🎉 Mark your calendars for Tuesday, May 13th and join us at The Center for an evening designed just for our amazing senior community! Stop by and say hello to Traci Ranic, Reverse Mortgage Specialist with Frontier Financial of Arizona, and discover how she and other local experts can support your next steps. Doors open at 5:00 PM!

You’ll have the chance to meet a wide range of senior service specialists, enjoy a delicious taco bar, and sip on free drinks courtesy of our drink sponsor OCPO-AZ! 🌮🥤

It’s all about connection, resources, and community—don’t miss out on the fun and friendly vibes. See you there! 💙

Tuesday, May 13th
The Center
1280 E Rosser St., Prescott
5:00pm-7:00pm

04/24/2025

❓ Question - If I had a cosigner to help me qualify for a mortgage, how do you determine the cosigner’s debt ratio?

✅ Answer – All Borrowers income is totaled together, and all of the Borrowers expenses are totaled together. We say the debt ratio is “blended” among all the borrowers on a home loan.

For example, if there are (3) Borrowers and one of them has no income to contribute to the loan but they have debts that need to be covered, the other two Borrowers must have sufficient income to cover their expenses.

There is a maximum of (4) Borrowers on a loan.

Have a question for Traci? Email it to her here: [email protected]

04/22/2025

True or False: You need 20% down to buy a home.

❌ False!

While putting 20% down can help you avoid mortgage insurance, many loan programs allow for much lower down payments—some as little as 3%, and VA or USDA loans may even offer 0% down options for those who qualify.

💡 Don't let the 20% myth stop you from exploring your options. You might be closer to homeownership than you think!

📲 Message me if you're curious what you qualify for—I'd love to help!

04/04/2025

❓ "What’s your biggest question about home loans? Ask me anything in the comments, and I’ll make sure you get the answers you need! 💬🏠 "