The Mortgage Doc

The Mortgage Doc Loan Officer at Simple Rate Mortgage Inc, Phoenix AZ

08/28/2026

155 reviews! Hard to argue with those results. Consistently delivering a smooth lending experience. šŸ™šŸ»šŸ« šŸ¾

Nearly 155 personal reviews and counting. Grateful for all the trust from my clients and Realtors!
08/26/2026

Nearly 155 personal reviews and counting. Grateful for all the trust from my clients and Realtors!

07/17/2026

Use the online lenderā€¦Iā€™m sure itā€™ll be fineā€¦.until itā€™s not and youā€™re left wondering what the hell happened and why youā€™re out thousands of dollarsā€¦.šŸ¤”šŸ™„šŸ™‚šŸ˜‰ Also, this seller had 2 other competing offers, that were slightly ā€œstrongerā€ than ours, but their lenders didnā€™t call at 6pm on a Sunday, to help their clients win šŸ„‡ šŸ¾

06/18/2026

The right people on your side who possess the knowledge really and deliver excellent communication do truly make or break your home-buying experience. Purchasing a manufactured home has a few more moving parts than a single family or similar purchase. Getting everything done and cleared to close in 10 days is an accomplishment to say the least.

Donā€™t be left hanging by the big box lendersā€¦.there is a better way to buy a home, I can show you how šŸ¾.
04/29/2026

Donā€™t be left hanging by the big box lendersā€¦.there is a better way to buy a home, I can show you how šŸ¾.

Big News for homebuyers, if you just received or are getting a raise, or make get tip income, your buying power and time...
03/19/2026

Big News for homebuyers, if you just received or are getting a raise, or make get tip income, your buying power and timeline may have just improved.

03/18/2026

Why Locking Your Mortgage Rate Immediately Matters: A Real-Time Rate Market Lesson

I explain how quickly mortgage rates can change and why itā€™s crucial to lock in your rate as soon as you have a contract. I share a real example from today where Jerome Powellā€™s speech caused bond markets to shift almost 45 basis points, resulting in rates going up in real time. I discuss how the Federal Reserve influences daily rate movements and why waiting to see if rates improve could cost you a worse interest rate or higher costs. I emphasize the importance of working with a lender who pays attention to market movements and can lock your rate immediately, while still having the flexibility to take advantage of better rates if they become available.

InterestRates BondMarket FederalReserve MortgageTips HomeBuying FinancialAdvice MarketInsights

02/25/2026

2026 SHRED-A-THON is here!
FRIDAY, FEBRUARY 27th
9:30am-11:30am

Red Rock Park
3750 N Recker Road
Mesa, AZ 85215

Thank you to Vianey for the opportunity to co-sponsoring this event with Tom Yurkovich & you. In lieu of payment accepting donations for Impact One Breast Cancer Foundation. Thank you Tessi Willis will all of the marketing and patience. Together we can make a difference in our community.

Much love and health to everyone who participated!

Reach out to Vianey today! Vianey Serna Yurkovich
West USA Realty
602-710-0527

02/06/2026

Stop Falling for Interest Rate Bait šŸŽ£
The Truth About Discount Points

We break down why home buyers shouldnā€™t fall for low interest rate advertisements without understanding the full cost. We explain how discount points workā€”paying money upfront to lower your rateā€”and reveal that the break-even point is typically around five years. We discuss why it only makes sense to buy discount points if youā€™re absolutely certain you wonā€™t refinance or sell your home within that timeframe, and why keeping that money for other expenses is often the smarter financial move.

02/06/2026

HOME BUYERS! Do not fall for this common mistake. A proper preapproval takes time. We have to thoroughly review credit, income, assets, and get some documents to verify those things prior to knowing if you truly can be pre-approved and are ready to shop for a home. You do not want to go into one of the biggest purchases you will ever make without knowing for certain you can close. The only way to do that is to work with a lender that has a thorough conversation and has fully reviewed the necessary documentation. Work with a lender who thinks like an underwriter not like a sales person.

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Queen Creek, AZ
85142

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