Devon Arnold - Loan Officer

Devon Arnold - Loan Officer Mortgage Loan Officer NMLS # 1952319
Edge Home Finance LLC NMLS # 891464

https://linktr.ee/loansbydev

03/02/2026

Read that again.

You don’t need to be perfect. You just need to move.

Someone less qualified than you is winning right now because they decided messy action > overthinking.

Start before you’re ready.
You’ll figure it out on the way.

The same rule applies to homeownership. There’s never a “perfect” time, but with the right plan you can make it happen. DM me to get a copy of my free home buying guide to help you finally take that next step and level up your life.

03/01/2026

Sunday ride before gearing up for the work week! One of my favorite ways to unwind on a Sunday. It was a beautiful day in Arizona.

01/16/2026

Think buying a home requires tens of thousands down?
Not always.
Some buyers can purchase with $0 down.
DM me to see what you qualify for before you assume you can’t buy!

Devon Arnold - Mortgage Advisor NMLS 1952319

01/10/2026

Will homes be more affordable in 2026? What do you think of these strategies to help affordability in the American housing market?

01/08/2026

This chatGPT prompt made my day. Ask it to make a version of your pet, it will not disappoint! 💕🤣 Cash disapproves of his unicorn likeness.

01/08/2026

Why lenders panic when they hear these 👇

1️⃣ “I quit my job”
Your loan approval is based on stable, ongoing income.
Changing or leaving a job during the process can cause delays to your closing.
2️⃣ “I bought a new car”
A new car usually means a new monthly payment.
That can push your debt-to-income ratio over the limit and change what you qualify for.
3️⃣ “I’m using cash for my down payment”
Cash has to be sourced and documented.
If it can’t be clearly traced, it can delay or derail the loan. Even if the money is legit.

None of these are automatically bad. They just need to be planned with your lender. 😅

DM me if you want a freecopy of my home buying guide that teaches you how the process works!

01/06/2026

Horses are a lot like humans.
Some days they’re focused, calm, and ready to work.
Other days… not so much.

You can show up with a plan, but if the horse is having an off day, you adjust.
You listen. You pivot. You don’t force it.

Mortgages are the same way.
Every borrower is different. Every file is different.

Underwriting throws curveballs. Appraisals come in weird. Guidelines change.
If I wasn’t flexible, deals would fall apart.

Instead, I adapt, find solutions, and keep things moving—no matter what pops up.
Horses taught me that success isn’t about forcing control…
it’s about adjusting when the plan changes. All while staying calm.

01/05/2026

Monday reminder 🧠🐎

I’m taking my own advice for 2026!!
Progress doesn’t come from having everything figured out.

It comes from taking the next small step, even when things feel messy or uncertain.

Confidence is built after you move, not before.

Momentum comes from action, not overthinking.

This year, stop waiting for the “perfect time.”

Show up. Take the step. Adjust as you go.
Forward motion always beats standing still.

12/12/2025

When you’re planning for a home purchase, your interest rate is only one piece of your monthly payment.

A full mortgage payment is made up of:

• Principal & interest (based on your rate)
• Property taxes — vary by city, county, and even neighborhood
• Homeowners insurance — affected by coverage choices and local risk factors
• HOA dues — can range from $25 to several hundred
• Mortgage insurance (if applicable)

These numbers can shift your payment by hundreds of dollars, which is why understanding the full picture is more important than focusing on the rate alone.

If you want a simple breakdown of each cost and how to estimate your true monthly payment, my Homebuying 101 Workbook walks you through it step-by-step.

✨ Download your free copy in my bio.

12/11/2025

Fed rate cut.. ✔️
Mortgage rates… still thinking about it 😅
Cash breaks it down while crossing this very stable bridge 🐴

Where do you want to see mortgage rates fall before buying?

If you’re thinking about buying or refinancing, now’s the time to talk strategy!

12/10/2025

When Cash spooked at that dog, my only job was to stay calm, keep him moving, and guide him past the scary stuff…
⁣
Honestly? Homebuyers go through the exact same thing.
There’s always a moment where something pops up in underwriting or a surprise comes out of nowhere, and it feels HUGE. But with the right mortgage advisor, you don’t have to panic. I’ll talk you through it, keep things steady, and get you past the “jump scares” of the homebuying process. 🏡💚
⁣
If you want a calm, experienced guide on your team, I’m right here.

Address

Phoenix, AZ

Telephone

+14804590371

Website

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