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True North Mortgage Company

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Litchfield Park, AZ
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

11/02/2026

Hi, this is Jim.

Hello. Daniel?

Me-Click.

Are we serious right now? You called me. I said my name was Jim, and now you ask if my name is Daniel. He goes by Dan by the way.

And please don't call me James. Unless you want me to hang up on you, then please do.

I get this phone call about once a week.

How important is a name?

Call me Jimmy. It tells me a couple things. You are most likely from Camp Verde and you are most likely older than I am and had my mom and or dad for a teacher or coach.

Dan is the same way. Call him Danny....dead give away you are a voice from the past when we lived at the boys ranch called Camp Verde for troubled teens. I jest. It is just a place. Sometimes for troubled teens. Sometimes just for "normal" people. We are normal right?

Daniel or James, you instantly lost all credibility because you just told us you don't know either of us.

Names are important. Lest we not forget especially if we are calling folks on the phone.

Make it a great day!

10/30/2026

This Halloween, we just wanted to stop and say that, no bones about it, your continued trust and support mean the world to our team!

We are so grateful to be able to continuously support you and are here to support whatever other needs you may have before the year wraps up.

Wishing you and yours a safe Halloween!

10/27/2026

How Much Longer???? It's the question one gets about a bajillion times when backpacking with young men out in the woods.

How much longer????? Is the question we ought to ask ourselves when thinking about time we have left with loved ones.

What?

What if I could define how many more times I would see my 96 year old grandma? Let's say I knew for certain I would only see her 10 more times. Would I act different? Would I be more intentional?

The thought disturbs me honestly.

So much so that it also motivates me.

Motivates me to be more intentional. As a grandson, son, husband, father, and soon to be grandpa.

I waste too much time really. My phone keeps reminding me of this each week, so thanks for that.

What are you going to do to be more intentional this week?

Who are you going to call that you have not called in too long?

Gotta put my phone down and go do some good.

Make it a great day!

10/26/2026

I Got PUNKED, and LOVED It!

A couple of weeks ago I used a $100 bill as an object lesson.

The lesson: I had a girl pour her drink on it, I crumpled it up, I smashed it under my shoe, I spit on it, I had two young men spit on it and one of those was WET!!!!!! Did the value change amidst all this turmoil? Nope. Not one cent. Same value regardless of what life threw at it.

This is where the traveling HUNDO came into play. After washing the bill with soap and water, I gave it to a kid to stick in their pocket for the day. Take it with them to school as a reminder they are valuable. A reminder their worth does not change. PERIOD. I also want them to have that thought throughout the day as they stick their hand in their pocket and feel that not so crisp $100 bill.

The next morning, the $100 bill travels to another student to have the traveling HUNDO experience.

This morning, we were drawing the name for the next student and the girl that had the $100 bill over the weekend pulls out this wad of cash. I thought, dang, this is going to make this experience a whole lot more interesting because this is a wad!!!!! Ha, ha. She laughed when she saw the shock in my eyes, and then pulled out the $100 bill to be passed to the next one.

Here's to remembering your value today and remembering it does not change if you didn't get that deal, a customer yelled at you, or you got hung up on. Make it a great day!

10/20/2026

I Learned Something Deep This Morning-

I put this question up on the white board for my early morning seminary kids to vote on.

This was humbling and enlightening all at the same time. The overwhelming majority thought I may have been voted most likely to be a teacher.

How do they perceive me? As a teacher each and every morning as they wipe the sleepy seeds out of their eyes so this was not shocking I suppose. I have also told them both of my parents were teachers so that was a reasonable connection.

I didn't got to church in high school but once again, these kids know me in a church setting, so that pulled a vote.

Funniest? If you ask me heck yeah, but it only got one sympathy vote. (may have guilt shamed a kid into this vote)

Most likely to go to jail, the two class comedians nailed that one.

Here is what hit me deep down: I didn't want to be voted what I was voted as in high school (hanging chads maybe?). See, that's funny right?

I asked myself in real time as we did this little exercise why that was the case?

I didn't want to be labeled one thing when I felt like I was something different, or something more than that label's box.

I had been perceived as one thing for a long time growing up, and I was sick of it. I wanted people to see me in a different light.

I told them I was not that happy about my most "likely" category.

A girl then asked, what you didn't want to be most likely to succeed?

She was shocked when I said, "That's right, I didn't want that label and that's what I got."

The kids were confused. Maybe because I am so funny or maybe because they see me as a teacher, but they had a hard time grasping why that was not what I wanted.

Honestly, I was tired of being labeled the smart kid. I wanted to be the most athletic. I wanted to be the most friendly. I wanted to be the funniest (I wasn't funny in high school so this is understandable). I wanted what my friends got. My friend that was voted most friendly was upset by it. Said it was a crock because he was not friendly at all (not true but his reaction was funny).

Labels come whether we like them or not and the context matters.

Here's the thing that was hammered home this morning at 6:15 AM. The label does not matter.

What matters is our perception of ourself, not the labels others put on us.

Take it from the funniest, most athletic, scuccessful, current church going early morning seminary teaching nice guy that probably won't go to jail from Camp Verde High there is.- 1 Vote-Jim. This is the vote that matters, and that's my deep thought for the day.

10/14/2026

We Just Aren't That Holy-

Said a 15 year old young woman this morning. She then mentioned how she gets up at 4AM to get prepped for the school day and to come to a 6am church class.

This same girl does not feel "holy" and she is doing this?

How can this be?

Could it be she is comparing herself to others in the class or at church she deems "more holy"?

Here's my hot take: HOLY SMOKES YOU GET UP AT 4 AM TO GET READY FOR SCHOOL AND GO TO A VOLUNTARY 6AM CHURCH CLASS? ARE YOU KIDDING ME RIGHT NOW? THAT'S FREAKING AMAZING!!!!!

How often do we get caught up in the comparison game. I hate it. I am a victim almost daily.

May just be about time to give ourselves credit for the great things we do instead of worrying about how we are not quite as good as so and so, or not as successful as so and so, etc....

Strive to improve? Yes.

Get stuck in comparisons? Let's take a pass today...

Now I gotta go take my private jet to see my college kids out of state...... (sorry to make fun of you PJ folks, I am not jelly at all :))

10/08/2026

Inflation Isn't the Problem People Think

I think this chart shows it well. These are the monthly changes in PCE, the Fed's favorite inflation measuring stick.

We all want $2/gallon gas, lower prices at the grocery store, and lower insurance premiums. Yet, for all of those to go down we need deflation. How real is this?

We are all recovering from inflation trauma because most of us were not around to really feel the early 80's inflation fires so we feel burned by the inflation of 2021 and 2022.

Since 2023, inflation has been steady, as the chart demonstrates. Would we like it to be lower, yeah, of course, but the Fed's focus on 2% has blinded them to the fact that inflation has been quite steady for 4 years.

This year gave us a few outliers thanks to the US starting a war with Iran, but there is a high level of consistency over the past 4 years, yet the media and talking heads continue to talk about inflation as if it is wildfire burning cities to the ground.

Inflation is not the problem, the framing of inflation is the problem. Inflation was running super hot for a couple of years and that has created trauma. ANY inflation still has prices going up, and we all have raw financial nerves when it comes to price increases which has the media continuing to scream inflation is still a major problem.

There may be bumps in the road, but inflation numbers will improvove starting in April 2027 when the March 2026 spike is replaced. Then further improvements in May and June 2027.

Will you really feel better if inflation reads 2%? I think not becuase stuff will still be more expensive than it is today becuase that's how inflation works.

How long before a serious level of acceptance kicks in that we are not going back to 2019 prices?

Inflation is not the problem, how inflation is being viewed is the problem.

Time to take a dose of reality pill unfortunately and control what we can control, and no one gave me an inflation dial to turn down so it's time to make it a great day!

10/05/2026

Where Parents are Getting Things Wrong..... (may fire some folks up)

I heard something over the weekend and I can't unhear it and it continues to rattle around in my skull.

It seems like a lot of parents these days want to hold an umbrella over their kids to protect them from the storms of life. That's what a good parent does, right? You've seen it. I've seen it. Heck, I've been it.

What if that's a HUGE mistake?

Instead of trying to protect our kids from the storms of life, maybe help them build a foundation of strength to weather the storms that will come because many of those are hurricane force storms that will rip that umbrella away anyway then what are they left with?

Kids, marriage, finances, business......what is the foundation they are built on and are you praying for an umbrella to protect you or have you built something solid that will stand the test of time?

Something to ponder as you go throughout the week....

10/02/2026

7 Reasons a Loan Officer Shouldn't Be Depressed About 7%+ Mortgage Rates

I'll admit it.

Watching mortgage rates jump in September wasn't exactly my favorite thing.

As a mortgage guy, I'd much rather be talking to buyers about 5% rates than 7% rates.

But after thinking about it, I realized something:

Maybe higher rates aren't as bad for a loan officer as they are for a loan officer's mood.

Here's why:

1. People still need to buy houses.

Life doesn't stop because mortgage rates go up.

People get married.
They have babies.
They get transferred for work.
They get divorced.
They inherit money.
They need more space.
They want to downsize.

The reason people buy may change, but the need doesn't disappear.

2. Higher rates make our advice more valuable.

When rates are 3%, it's pretty easy to have a conversation about a mortgage.

At 7%, strategy matters a lot more.

Down payment.
Debt.
Credit.
Seller concessions.
Buydowns.
Loan programs.
Cash flow.

The loan officer isn't just quoting a rate anymore.

We're helping someone figure out how to make the numbers work.

3. There are still buyers who have to move.

The headlines often make it sound like every buyer is sitting on the sidelines.

That's not reality.

There are still plenty of people buying homes.

And those people need someone who understands the financing options available to them.

4. Today's rate doesn't necessarily have to be tomorrow's rate.

I'm not suggesting anyone buy a house assuming rates will fall.

That's a dangerous assumption.

But I also don't think we should pretend that the mortgage someone closes today is necessarily the mortgage they'll have five or ten years from now.

If rates eventually come down enough to make refinancing beneficial, that's an option.

If they don't, the borrower still needs to make sure today's payment works for them.

That's the important part.

5. Higher rates create more opportunities to educate.

And honestly, that's one of my favorite parts of this business.

A borrower shouldn't have to understand mortgage bonds, the 10-year Treasury, Fed policy or mortgage-backed securities.

That's my job.

Their job is to understand:

Can I comfortably afford this house?

My job is to help them answer that question.

6. Eventually, rates will change again.

Maybe higher.

Maybe lower.

Maybe sideways for a while.

Nobody knows.

And that's probably the biggest lesson I've learned after spending years watching the mortgage market:

rying to predict rates is a terrible business plan.

Preparing your clients for different rate environments is much better.

7. Seven is lucky.

So yes...

I'd love to see mortgage rates back in the 5's.

But until that happens, there's still a lot of work to do.

And a lot of people who need help getting from **"We'd like to buy a house"** to **"We just got the keys."**

That's a pretty good reason to keep showing up.

10/02/2026

The Fed's Vocabulary is Different Than Mine

A look at the BLS jobs numbers going back to the begining of 2025 (chart), we can see 7 of 21 readings have been negative. As in jobs were lost in 7 of the last 21 months. Yet the Fed continues to use words like resilient and stable and solid as they describe the labor market.

So showing contraction in the BLS jobs numbers 33% of the time is a sign of strength? Not to mention massive revisions to these numbers wiping out nearly all job growth completely when the QCEW makes their revisions.

Inflation showed improvements on Wednesday via the PCE data, and the labor market showed weakness in today's BLS data, and the Fed is still kicking around the idea of another rate hike by the end of year.

My lenses must be foggy because I am not seeing a strong case for another rate hike.

Address

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

Opening Hours

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

Website

http://www.tnmaz.com/

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