Forward Loans

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Forward Loans Your home financing, without looking back. NMLS #2006640 Every lending profile is different. Licensed in AZ, CA, CO, TX, FL, WA, OR, AL. NMLS #2006640.

As a mortgage broker with access to lenders across the country, we match you with the lender that fits your file.

10/15/2026

Condo rules changed on August 3, 2026. If you're buying a condo with a conventional loan, this one affects you.

Fannie Mae retired its Limited Review. Freddie Mac retired its Streamlined Review. Same day.

Now condo projects with more than 10 units generally need a full review. The HOA's budget is part of your transaction, whether you planned for it or not.

Two things you can do up front:
1. Ask the HOA for its budget and financials.
2. Ask your lender to review the project early.

If a project doesn't fit Fannie Mae or Freddie Mac guidelines, other loan options may be worth a look.

Looking at a condo? Send Jeff the address before you write the offer. [email protected]

Forward Loans, NMLS #2006640 | Equal Housing Opportunity | nmlsconsumeraccess.org
Jeff Ohm, NMLS #894175

10/13/2026

Selling a house? Here's what to give your appraiser before they walk through the door.

The appraiser sees the house. They don't always know everything you've done to it.

Make a simple property packet: each improvement, the date it was completed, cost and details, permits, and supporting documents.

Have it ready when they arrive, not after the appraisal. The goal isn't to tell the appraiser what the house is worth. It's to make sure they have accurate information about the property.

Agents, want Raquel's simple property improvement checklist for your sellers? Comment PACKET.

Raquel Wilson, NMLS #887732
Forward Loans, NMLS #2006640 | Equal Housing Opportunity | nmlsconsumeraccess.org

10/12/2026

Loan officers, culture matters. Yasmeen at Forward Loans says the environment you work in affects your growth, your mindset, and how well you serve your clients.

She gets it. Change can feel scary.

That's why Yasmeen would rather show you than tell you. She'll connect you with loan officers at Forward Loans who came from a background like yours. Ask them why they made the change and what happened to their business after.

Thinking about a move, or just exploring what's out there? Send Yasmeen a message. No pressure at all.

Yasmeen Gastelum, NMLS #2138160 | Forward Loans, NMLS #2006640 | Equal Housing Opportunity | nmlsconsumeraccess.org

10/09/2026

Waiting for mortgage rates to drop before you buy a home? It might actually cost you more. Here's why.

Nobody knows exactly where rates are going or how fast they'll move.
Right now, buyers may be able to negotiate seller concessions. Those can go toward closing costs, and in some cases toward lowering the interest rate.
If rates do drop, more buyers may come back. That can mean more competition and less room to negotiate.

So ask a different question. Is there a home you want? Can the financing be set up so the payment works for you?

Chioki Wade, NMLS #554486
Forward Loans, NMLS #2006640 | Equal Housing Opportunity | nmlsconsumeraccess.org

09/28/2026

The first week of your loan matters.

Raquel shares 4 questions you should ask your lender right away:

Is my income fully documented?
Have my funds been sourced?
Has the appraisal been ordered?
What is the biggest potential problem?

You should not have to wait until the week of closing to find out there is an issue.

Comment “WEEK ONE” and Raquel will send you the four questions.

09/25/2026

Looking for something to do in Phoenix?

Emma has you covered with a mix of free and paid activities around the Valley, whether you're looking for a fun weekend outing or something new to try.

There are so many great spots to explore right here in Arizona.

What’s your favorite Arizona spot? Drop it in the comments so we can add it to our list!

09/25/2026

A pre-qualification letter isn’t just a sheet of paper. It’s a commitment.

Luis explains why every pre-qualification he issues represents his word to the buyer, buyer’s agent, and listing agent.

With years of experience and hundreds of transactions closed, he takes that responsibility seriously.

Looking for a pre-qualification you can feel confident moving forward with? Reach out to Luis.

09/22/2026

Are Phoenix home prices about to crash?

Before you answer, look at supply and demand.

Phoenix is a slower market than it was a few years ago, and buyers have more negotiating power. But slower doesn't automatically mean a crash.

In this video, Chioki breaks down what the numbers are actually telling us and why trying to perfectly time the bottom may not be the best strategy.

If you're waiting for a crash, send Chioki the word "WAIT" and he’ll help you look at the numbers for your situation.

09/18/2026

Making a change in your career is never an easy decision.

In this video, Melissa talks about what ultimately made her take the leap and join Forward Loans.

She had heard the usual myths about mortgage brokers and was comfortable in the world she knew. But after meeting the owners and loan officers at Forward, she saw something different: a close-knit team that supports one another, shares knowledge, and genuinely wants to see each other succeed.

Now, Melissa gets to continue running her business the way she always has while having access to more loan programs, competitive rates, and lower fees.

We're so happy to have Melissa as part of the Forward Loans team and excited to see the impact she continues to make.

09/16/2026

Not every underwriter looks at a loan the same way.

What gets a client denied by one lender may not lead to the same outcome with another. Different lenders can have different guidelines, overlays, and ways of evaluating a borrower's situation.

In this video, Luis explains why a denial does not always mean the end of the road.

Recently turned down for a mortgage? Reach out to Luis for a second look. There may be other options worth exploring.

Address

11201 N Tatum Boulevard Suite 300
Phoenix, AZ
85028

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 10am - 6pm
Sunday 10am - 2pm

Telephone

+16027302270

Website

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