Mike Yancey at Starlight Mortgage

Mike Yancey at Starlight Mortgage Mike Yancey is a licensed Mortgage Broker in Arizona, California and Colorado.

Regardless of whether you’re navigating the housing market for the first time or you’ve navigated the market before, it’...
04/29/2026

Regardless of whether you’re navigating the housing market for the first time or you’ve navigated the market before, it’s crucial to choose the right mortgage lender. This choice doesn’t just impact your home purchase; it can also affect your entire homeownership journey.

That’s where we come in. Our team of expert residential mortgage professionals is here to help you navigate the loan landscape and find an option that’s right for your situation.

If you’re ready to get started, feel free to give us a call.

Happy Earth Day! In celebration, we invite you to join us in making one simple eco-friendly choice — whether it is using...
04/22/2026

Happy Earth Day! In celebration, we invite you to join us in making one simple eco-friendly choice — whether it is using a reusable water bottle, choosing to walk or carpool instead of driving alone, or saying no to single-use plastics.

Small actions can add up to a big impact. Let's make a difference together!

April showers bring… opportunity. If today’s market has you feeling unsure, you’re not alone — things are shifting quick...
04/20/2026

April showers bring… opportunity.

If today’s market has you feeling unsure, you’re not alone — things are shifting quickly, and it can be hard to know when or how to move forward. The good news? You don’t have to navigate it alone.

Whether you're wondering about interest rates, exploring new loan programs, or trying to figure out the right timing for your next move, I’m here to break it all down in a way that makes sense.

Let’s talk through your goals, review your options, and map out the best next steps for you this spring.

Tax season might feel overwhelming, but it can actually bring you one step closer to your next home. If you’re expecting...
04/15/2026

Tax season might feel overwhelming, but it can actually bring you one step closer to your next home. If you’re expecting a refund, putting it toward your down payment or closing costs could open more doors than you think.

Whether you’re a first-time buyer or planning an upgrade, every dollar helps strengthen your financial position and expand your mortgage options.

If homeownership is on your radar this spring, now is the perfect time to explore what you may qualify for. Let’s talk through your goals and see how far your tax refund can take you.

Spring is in full swing! Days are getting longer, and summer is just around the corner. Our team has been seriously enjo...
04/07/2026

Spring is in full swing! Days are getting longer, and summer is just around the corner. Our team has been seriously enjoying the extra sunshine and the good springtime vibes.

We hope that you’re enjoying this shift in seasons, too. Don’t hesitate to reach out to us if there’s any way we can support you this spring. We’re here to help you!

This Easter, we are sending each of you our warmest wishes for a meaningful Easter, filled with joy, peace, and special ...
04/05/2026

This Easter, we are sending each of you our warmest wishes for a meaningful Easter, filled with joy, peace, and special moments with loved ones.

This season of renewal offers a beautiful opportunity to pause, reflect, and take stock of the things we hold dear. However you choose to celebrate, we hope your Easter brings comfort, connection, and a fresh sense of hope.

Happy Easter!

Are you ready to “spring” into homeownership? From pre-approval to closing, we’ll help you compare mortgage options, loc...
03/30/2026

Are you ready to “spring” into homeownership? From pre-approval to closing, we’ll help you compare mortgage options, lock down a financing strategy, and step into your new home with confidence.

Call our office to schedule your complimentary consultation. We’re here to help you map out your budget, timeline, and loan options so you can start the homebuying process with clarity.

March is National Credit Education Month, which makes it the perfect time to take a fresh look at how your credit can im...
03/19/2026

March is National Credit Education Month, which makes it the perfect time to take a fresh look at how your credit can impact your mortgage options. Swipe to see how both good and bad credit can impact the homebuying process.

If you’re planning to buy soon or just want to know where you stand, our team is here to help you navigate your options. Give us a call, and we can find a time to connect.

Feeling extra lucky this St. Patrick’s Day 🍀 We couldn’t let the day pass without saying how grateful we are for the won...
03/17/2026

Feeling extra lucky this St. Patrick’s Day 🍀 We couldn’t let the day pass without saying how grateful we are for the wonderful clients who make our work so rewarding all year long.

Thank you for your trust, partnership, and support. Here’s to more success, good fortune, and plenty of reasons to celebrate ahead!

This March, are you wondering if mortgage points would be a slam dunk for your first home? Here’s a quick three-point br...
03/16/2026

This March, are you wondering if mortgage points would be a slam dunk for your first home? Here’s a quick three-point breakdown so you can decide when paying for a lower rate might help you score in the long run:

🏀Make sure you understand what they are - Discount points are an upfront fee you pay your lender to “buy down” your rate, which can lower your monthly mortgage payment. The cost of one point typically equals 1% of your loan amount.

🏀Understand when they make sense for your loan - Points are commonly used with fixed-rate mortgages. It’s good to compare the breakeven math against other uses of cash at closing and factor in how long you plan to keep the loan.

🏀Review the potential for saving - As a rule of thumb, one point often reduces the interest rate by about 0.25 percentage points. It’s important to note that the exact savings you could see from mortgage points will vary depending on your loan, budget, and long-term plans.

Given the nuances of mortgage points, it’s best to discuss with an experienced mortgage lender. That’s where we come in with the assist. We can help you crunch the numbers and talk through your options. Give us a call today, and we can run a play that makes sense for your game.

Address

1819 E. Morten Avenue
Phoenix, AZ
85020

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