True North Mortgage Company

True North Mortgage Company Dan Pareja and Jim Roberts are your local home buying specialists and will find you the best loan. MB-0910060

NMLS-151034
Jim NMLS- 154969
Dan NMLS-154970

No, I didn't get my nails done. (I still bite them like I have for the past 49 years)These are the nails of a girl in my...
09/04/2026

No, I didn't get my nails done. (I still bite them like I have for the past 49 years)

These are the nails of a girl in my early morning seminary class. Her sister, who is also in the class, is her nail tech.

I asked the older sister how she got into nails, and she said she hated working at In N Out so much she never wanted to work in the food industry again and had to find something else.

She loves the beauty industry so she became an entrepreneur and started her own business.

How amazing is that? Also, isn't that how a lot of businesses start?

You have a thoguht, I hate what I am doing so how can I do something I like, and an idea and business is born.

Teaching this class gives me a lot of hope for the next generation, and if you need your nails done, I have a referral for you!

This is what is saving mortgage rate bacon.The spread between mortgage rates and the 10-year Treasury yield have fallen ...
09/02/2026

This is what is saving mortgage rate bacon.

The spread between mortgage rates and the 10-year Treasury yield have fallen over the past 2.5 years, which is a saving grace given we are seeing the 10-year yield at the highest levels since January of 2025. If the spreads were what they were back in January of 2024, we would be seeing rates in the upper 7's, and if you wanted to put an added freeze on the market that would do it.

Yes, rates are up. Yes, they are way better than they could be thanks to the shrinking spread. This is the reason mortgage rates and the 10-year correlate but do NOT move in lockstep becuase the spread between the 2 can and will change.

Nothing like a little technical talk to spice up a Wednesday right?

Hear that? It was a squirel in the tree behind me acting like Ringo Star in his prime banging those drums and signing Pa...
09/01/2026

Hear that?

It was a squirel in the tree behind me acting like Ringo Star in his prime banging those drums and signing Paradise City like Axl Rose of Guns and Roses.

He was so loud!!!!!

Pretty sure it was a warning to all the deer in the forest some schmuck was sitting at the watering hole.

It also is a good reminder to give some grace. We can make a quick judgement in a moment like, "Dang, that may be the best hunter there ever was!" or "Wow, he must have just smoked a deer with his bow and arrow." While these may or may not be true, the reality was there was a whole lot of noise going on in my life no one would ever see in this picture.

Give some grace this week. The person on the other end of the line my have some noise going on in their life we don't see too. That person may actually be you. Who knows.

Make it a great week!

With September being National Preparedness Month, it is a timely reminder that financial readiness matters for your mort...
09/01/2026

With September being National Preparedness Month, it is a timely reminder that financial readiness matters for your mortgage, especially as natural disasters affect more communities across the country.

Natural disasters can create unexpected challenges for homeowners, and understanding your mortgage relief options before you need them can make a difficult situation feel more manageable. From forbearance to disaster relief programs, knowing what may be available can help you feel more prepared if the unexpected happens. Swipe for more information.

If you have questions about how your mortgage fits into your preparedness plan, our team is here to help you understand your options and take the next step.

I am playing head games with 12 high school teenagers.I teach a 6AM (yes as in 6 in the morning) church seminary class t...
08/27/2026

I am playing head games with 12 high school teenagers.

I teach a 6AM (yes as in 6 in the morning) church seminary class to 12 teenagers and yes, they show up and on time. Miracles never cease.

I decided on day 1, I would wear the same orange tie until someone asked about it.

We are done with 3 weeks of seminary, no question about why my tie has not changed. Maybe they are thinking I only own one tie. Maybe they think I just love orange so much. Or maybe they are afraid of me and don't want to ask. Possibly, just possibly, they have yet to notice.

That day will come and I can't wait!!!!! Why play this little head game you may ask? Becuase I feel it there is a lot of a value in paying attention to the world around you.

There are opportunies around us each and every day, but do we notice them? Opportunities to serve someone. Opportunies to grow your business. Opportunies to grow your sphere of influence. The opportunities are endless really, but it takes noticing and then acting upon them to grow and progress.

The muscle of recognizing the world around us and the patterns that pop up can be a valuable resource as we walk through life.

What opportunity did you notice today? If your kid is in my class.....no cheating. They need to figure this one out on their own.

I just hope my tie does not wear out before then. :)

Be humble enough to admit you don't know everything.I just got off the phone with a listing agent. She told me how expe...
08/24/2026

Be humble enough to admit you don't know everything.

I just got off the phone with a listing agent. She told me how experienced she was and how she was a macro economics follower and she followed everything like a hawk!

Then she asked multiple questions that made it very obvious she didn't know what she was talking about.

I literally even said out loud, "What are you talking about?" because it was so crazy town!

Good reminder to be okay not knowing stuff. Be humble. (posting so I read this down the road as a reminder haha)

Regardless of whether you’re a first-time homeowner or if you’ve owned multiple homes, navigating private mortgage insur...
08/20/2026

Regardless of whether you’re a first-time homeowner or if you’ve owned multiple homes, navigating private mortgage insurance (PMI) can be tricky. That’s why we want to share a brief explainer of how you can remove PMI from your loan. Swipe for more information.

So, if you’d like to talk through what removing PMI could mean for you, please don’t hesitate to reach out to our team. We are here to be a resource for you.

I over-pay for a dog p**p pick up service.If you know me, this is NOT something I would normally pay for. I can pick it...
08/06/2026

I over-pay for a dog p**p pick up service.

If you know me, this is NOT something I would normally pay for. I can pick it up just fine by myself and my wife even got me one of those nice p**per scooper rakes and scoops.

I gladly pay because a 9 year old kid asked if he could earn money and provide a dog p**p pick up service every week. How can I say no to a budding entreprenuer?

I saw him last Friday. Sweat running down his face in 115 degree weather. Wearing his cool shades, he had ridden his bike to our house in the summer heat to provide that service.

Props to his parents. This is the type of education you don't learn in school.

Knowing what you don't want to do in life can be just as valuable as knowing what you want to do. :)

For many homeowners, paying off their mortgage early is a top-priority goal. While it may seem out of reach, a thoughtfu...
08/04/2026

For many homeowners, paying off their mortgage early is a top-priority goal. While it may seem out of reach, a thoughtful strategy and a few consistent habits can make a real difference over time.

Swipe through for a simple approach and a few additional tips to help you make meaningful progress on your mortgage balance.

If you have questions about your mortgage or want to explore your options, send us a message today. We are here to help.

How quickly will the Fed get to 2%?After the Fed meeting, the markets threw a little temper tantrum. New Fed Chair Wars...
08/03/2026

How quickly will the Fed get to 2%?

After the Fed meeting, the markets threw a little temper tantrum. New Fed Chair Warsh was firm on their goal of getting back to the 2% inflation target of the Fed.

One of the reporters in the press conference essentially asked why the new Fed Chair has not done more to combat inflation. Less than 50 days on the job and getting blasted.

If one were to look at the CPI chart over the last year (attached), you can see that if you add January 26 through June of 26, you get 2.1% annualized inflation.

IF, and this is a very BIG IF and not realistic at all, the rest of 2026 had monthly readings of ZERO, we would end the year at 2.1% inflation as measured by CPI.

What does this tell us? It tells us we are looking at least 11 months out to have a chance of getting back close to 2%. The Fed can hike rates and guess what, we are not getting to 2% inflation any faster than about a year out. It is just reality.

Even if inflation numbers trend the right way it won't be fast enough for the go fast crowd. Should inflation trend lower, that will be good news for mortgage rates.

Now you know!

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505 E Plaza Cir, Ste D
Litchfield Park, AZ
85340

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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