Lonnie Stevenson, NMLS #183190

Lonnie Stevenson, NMLS #183190 I'm in the business to positively impact current and future homeowners through knowledgeable informa
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To apply with Lonnie go to www.LonnieStevenson.com or,
To apply with Erica go to www.Hi-TechMortgage.com/Erica

01/09/2026

📰 Nationally, NAR reported pending home sales up 3.3% in November vs October and up 2.6% vs last November—a sign more buyers are writing offers again. ✍️

🏡 But real estate is hyper-local. In Lake Havasu: 120 pendings in Nov 2025, 141 in Oct 2025, and 98 in Nov 2024. So locally we’re up versus last year, even though we were down from October—a good example of how local markets can move differently than national trends.

📉 One more takeaway: we saw a 5–7 day dip in rates in October, and even a small dip can bring buyers off the sidelines quickly when that window opens. 🪟

😎 If you want a clearer local read, I’m in my 25th year in the Lake Havasu market. I’m always happy to sit down, run numbers, and map out a plan—even if you’re thinking about buying later this year. 🗺️

🇺🇸 Lonnie Stevenson
🪪 NMLS #183190
🧑🏻‍💻 Sales Manager – loanDepot
📞 (928) 716-6723
🛜 www.LonnieStevenson.com


01/05/2026

🏖️ Why are so many Californians choosing to call Lake Havasu home? 🌅

📰 The L.A. Times just highlighted something we’ve felt locally for years — Havasu isn’t just a great vacation spot… it’s becoming a true destination for full-time living.

📉 Lower taxes, more affordability, the lake lifestyle, and a strong sense of community are pulling people east in a big way — and it’s reshaping our local housing market.

🤔 Thinking about making the move (or just curious what’s driving the trend)? I’m happy to walk you through what’s happening on the ground and what today’s numbers look like.

☎️ Always here to help you make a smart move, not a stressful one.

🇺🇸 Lonnie Stevenson
🪪 NMLS #183190
🧑🏻‍💻 Sales Manager – loanDepot
📞 (928) 716-6723
🛜 www.LonnieStevenson.com



12/23/2025

🔎 Before you can really understand how Adjustable-Rate Mortgages work, you first need to know the language they use.

2️⃣ In Part 2 of my 6-part ARM Series, I break down the key terms like index, margin, caps, SOFR, adjustment periods, and even interest-only options in simple, easy-to-follow language.

💡 Once these terms make sense, the rest of the series will feel a whole lot clearer.

✅ Next up in Part 3: Why the mortgage world moved from LIBOR to SOFR — and why it matters for today’s homebuyers.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
🧑🏻‍💻 Sales Manager – loanDepot
☎️ (928) 716-6723
🛜 www.LonnieStevenson.com


12/18/2025

✅ We’ve talked numbers, land, zoning, and the tough realities behind Havasu’s housing challenge.

👍🏻 Projects like The Shops at Lake Havasu and DL Ranch, just outside the city limits, show what’s possible when developers and agencies start thinking creatively.

🏗️ There’s still work to do—but the path forward starts with understanding, flexibility, and a willingness to collaborate.

💬 What do you think? What’s the biggest step we could take as a community to make housing more attainable?

5️⃣ This is Part 5—the final episode of my 5-part series, The Truth About Affordable Housing in Havasu.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
🧑🏻‍💻 Sales Manager – loanDepot
☎️(928) 716-6723
🌎 www.LonnieStevenson.com


DLRanch TheShopsAtLakeHavasu AZRealEstate SmartGrowthAZ HavasuCommunity PlanningAndZoning MohaveCounty CommunityDevelopment

12/08/2025

🔀 ADU or Casita? They’re not the same thing — especially here in Lake Havasu.

🏘️ A Casita might look like a small guest house, but if it doesn’t have a full kitchen — no stove, oven, or built-in range — it’s officially considered “Not for Occupancy.”

🍳 Add permanent cooking provisions, and you’ve just turned it into an Accessory Dwelling Unit (ADU) — a self-contained living space that’s regulated differently under city code.

💰 ADUs can offer flexibility for families — or even serve as a way to create an additional income stream to help offset rising living costs.

⚖️ If you’re exploring ADU financing options, I’m happy to walk you through what’s available and what to consider before you start your project.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
📱 (928) 716-6723
🌐 www.LonnieStevenson.com


12/03/2025

🤝🏻 We’ve reached a point where everyone agrees—Lake Havasu needs more affordable housing.

🏢🏘️ Projects like the proposed 102-unit apartment community at The Shops at Lake Havasu, and the new DL Ranch development north of town, show the kind of creativity it’s going to take to make real progress.

🤔 But to keep moving forward, we as a community have to stay open-minded—about density, height, and how we use our land.

💸 Affordable housing doesn’t happen without flexibility and cooperation.

4️⃣ This is Part 4 of my 5-part series, The Truth About Affordable Housing in Havasu.

🇺🇸 Lonnie Stevenson
👨🏻‍💼 Sales Manager - loanDepot
🪪 NMLS #183190
📱 (928) 716-6723
🌐 www.LonnieStevenson.com


11/26/2025

🚨 There’s talk about a possible 50-year mortgage! 🚨

Here’s some math:
💰 $500,000 loan @ 6.25%
➡️ 30-Year Term: $3,078/mo
➡️ 50-Year Term: $2,724/mo
💵 Monthly savings: $354

⚖️ That sounds great — but over 10 years, the longer term adds roughly $15,000 more interest and builds equity much slower.

🚗 Just like how car loans stretched from 48 to 84 months, housing discussions are exploring similar ideas to lower payments — but it’s all about tradeoffs.

✅ Pros: Lower monthly payment, easier qualification
⚠️ Cons: Slower equity growth, higher long-term cost
This is just talk for now, but it’s an interesting sign of how affordability challenges are shaping the conversation.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
👨🏻‍💼 Sales Manager – loanDepot
☎️ (928) 716-6723
🌎 www.LonnieStevenson.com

11/21/2025

🤔 Thinking about buying a home and hearing the term ARM or Adjustable-Rate Mortgage?

❇️ In Part 1 of my 6-part series, I explain what an ARM really is, why the rate can change over time, and when this type of loan might make sense.

🔑 Next up in Part 2: We’ll decode the key terms — like index, margin, and caps — so you’ll understand exactly how these loans work.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
👨🏻‍💼 Sales Manager – loanDepot
☎️ (928) 716-6723
🌐 www.LonnieStevenson.com

11/17/2025

🏠 Your primary home is where you truly live — whether you own it or rent it.

🏡 Your secondary home can sometimes be rented part-time, but intent still matters.

⚠️ Here’s how to stay compliant and legally safe when buying a home. 👇

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
👨🏻‍💼 Sales Manager – loanDepot
📞 (928) 716-6723
🛜 www.LonnieStevenson.com

11/04/2025

🪓 The Fed cut rates last week — but mortgage rates went up! 🏡📈

Here’s why:
🎙️ Powell’s press conference reminded markets that another cut in December is “not a foregone conclusion — far from it.”

🛑 Add in the ongoing government shutdown (which means no key inflation or jobs data before the next meeting), and it’s no surprise the bond market — and mortgage rates — moved in the wrong direction.

✅ Bottom line: a Fed cut doesn’t always equal lower mortgage rates.

🗣️ Want to talk strategy or timing your next lock? Let’s connect.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
🧑🏻‍💻 Sales Manager - loanDepot
📱 (928) 716-6723
🌐 LonnieStevenson.com


11/03/2025

🗣️Let’s talk about the real numbers behind Havasu’s housing crisis.

💰 Vacant lots pushing past $100K before a shovel even hits the ground.

🔧 Infrastructure, permits, and material costs soaring year after year.

🏡 By the time a modest home is built, you’re already in the $300Ks.

🏗️ So the question isn’t why developers don’t want to build affordable homes—

🔢 It’s why the math no longer works to make them affordable.

✳️ This is Part 2 of my 5-part series, The Truth About Affordable Housing in Havasu.

🇺🇸 Lonnie Stevenson
🏛️ NMLS #183190
🧑🏻‍💻 Sales Manager – loanDepot
☎️ (928) 716-6723
🌎 www.LonnieStevenson.com


Address

490 Lake Havasu Avenue S
Lake Havasu City, AZ
86403

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