Steve Copus, Peak Residential Lending Branch Manager / VP NMLS# 220697

10/29/2025

Today was not a foregone conclusion and there was no way to know ahead of time that it would end like this, but the outcome is exactly why we've gone to such lengths to warn you about the potentially ...

08/26/2025

FIRST TIME HOMEBUYERS!
The Az Home in 5 Platinum program has been re-funded with $5 million available for Down Payment Assistance. If you meet the requirements, you can walk into a home for nothing out of pocket!

this program has an excellent interest rate, at market or better.

$5 million in funding will go fast, call me today!



08/24/2025

Lower rates should be coming very soon! Call me for a no-cost refinance!

If you read nothing else below, read this: people are talking about stronger odds of a Fed rate cut in September. Some people assume this means mortgage rates would move lower after that potential rat...

08/02/2025

Last week, we said all bets were off until we saw Friday’s jobs report—and that no other piece of economic data moves mortgage rates more reliably. This week proved why that warning is alw...

06/24/2025

Rates are starting to go in the right direction

Yesterday saw mortgage rates fall to the best levels since early May.  Now, today, we'd have to go all the way back to the end of April to find anything lower.  Are the changes massive? No...

06/07/2025

For nearly 2 months, rates have been in limbo, stuck between the lower, more stable levels seen in March and the higher range seen at the beginning of the year. With many market participants waiting f...

05/24/2025

Markets began the week with a hangover from last Friday's late-day announcement of a US credit rating downgrade from Moody's with both stocks and bonds losing ground in early trading.  When bo...

05/12/2025

Both of the major purveyors of home price indices have been in agreement for the better part of a year that the average home is appreciating between 4 and 5 percent per year.   The FHFA Ho...

04/07/2025

This week is ending with the average top tier 30yr fixed mortgage rate at its lowest level since early October, 2024. The only way to be disappointed about that would be to focus on the fact that rate...

04/04/2025

Yesterday afternoon's tariff announcement sent financial markets on a ride that ultimately resulted in sharply lower stock prices and moderately lower bond yields. Stocks don't always correlate with b...

09/19/2024

Turned down for traditional Down Payment assistance programs because you make too much money or not a first-time homebuyer? This program is for you!