Chioki Wade, NMLS #554486

Chioki Wade, NMLS #554486 Your home financing, without looking back. Chioki Wade, Gilbert Branch Manager, NMLS ID 554486

Your home financing, without looking back.

Every lending profile is different. At Forward Loans, we match you with the lender that best fits your criteria. With access to lenders all over the country, we find you the best fit, and the best rates available.

The market doesn’t send announcements. It sends signals.

Rates below 6%. Purchase applications rising. Inventory expand...
02/05/2026

The market doesn’t send announcements. It sends signals.

Rates below 6%. Purchase applications rising. Inventory expanding. Prices stable. 

These aren’t headlines. They’re data points that tell a story if you’re paying attention.

I’m not saying this is the bottom for rates. I’m not saying everyone should rush out and buy. 

What I am observing is that the math has quietly changed for Phoenix buyers over the past 12 months. 

The gap between “I can’t afford anything” and “I have options” just got smaller.

The people who track the data instead of waiting for permission from headlines are the ones finding opportunities right now.

What’s your read on how Phoenix buyers are responding to this shift?

mortgagerates homebuyers homeownership

🏡 October 2025 Real Estate & Economic Outlook 📊• Pricing matters early: homes that sit see bigger cuts—120+ days can end...
10/25/2025

🏡 October 2025 Real Estate & Economic Outlook 📊
• Pricing matters early: homes that sit see bigger cuts—120+ days can end up ~13% off list by closing.
• 5-year gains since pre-COVID are still strong nationwide (AZ ~65% 📈).
• U.S. real estate net worth is near record highs.
• Owners vs. renters: 2025 median net worth is projected ~$430k vs. ~$10k—ownership builds wealth.
• Serious delinquencies/foreclosures remain low compared to 2008.
• Forecast: softer 2025, stronger 2026—rates easing from ~6.7% → ~6.0%.
• Money tip: every 1% drop in rate ≈ 10% lower principal & interest payment.

Thinking about buying, selling, or just want a payment check? DM “Outlook” and I’ll run your numbers + options. 🙌


09/17/2025

Fed cut alert 📉
Today the Fed lowered its policy rate by 0.25%. Mortgage rates (30-yr fixed) are hovering around ~6.25–6.4%, near the lowest in a year. What does that mean for you?
• Refi: If your current rate is higher, it may be time to run the numbers (closing costs + break-even).
• Buy: Lower rates can improve monthly affordability—but inventory & prices still matter.
• Reality check: Mortgage rates follow long-term bond yields, not the Fed 1:1, so moves can vary week to week.
👇 DM “RATE CHECK” for a quick buy vs. refi scenario with Phoenix-area numbers.

11/21/2024

Unlocking the power of DSCR loans for investors! Chioki and Ashley break it down and drop key insights on how to leverage these loans for your next investment property.

10/30/2024

Use the equity in your current home to fund your next down payment!! How? Ashley Osheel and Chioki Wade break down the steps and answer key questions: Leveraging home equity for your next purchase.

10/22/2024

Buying a home after a bankruptcy may seem like a stretch. Ashley and Chioki break down when & how it can be done!

10/15/2024

❓Can you lock in an interest rate on a home loan before securing a property❓

Ashley Osheel and Chioki Wade break down the details and explain how the process works.

Stay informed!

09/24/2024

Chioki Wade and Ashley Osheel from Forward Loans "Home Financing Chat" Q&A style!

This ongoing series will break down everything you need to know about securing a mortgage, interest rates, and the home-buying process.

Whether you're a first-time buyer or looking to refinance, this is the perfect opportunity to get your questions answered by experts.

08/21/2024

🚨 Exciting News!🚨

Chioki announces an incredible new program available in our Mortgage Marketplace!

It could assist you with $6,500 toward your home purchase under certain circumstances! 🏠💰

This program is designed to make your dream home more affordable.

DM "MONEY" to learn more about how you can take advantage of this opportunity and get one step closer to owning your new home!

Address

2162 E Williams Field Road #111
Gilbert, AZ
85295

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