The Mortgage Doc

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

Don’t be left hanging by the big box lenders….there is a better way to buy a home, I can show you how 🍾.
04/29/2026

Don’t be left hanging by the big box lenders….there is a better way to buy a home, I can show you how 🍾.

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 it’s crucial to lock in your rate as soon as you have a contract. I share a real example from today where Jerome Powell’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 🎣
The Truth About Discount Points

We break down why home buyers shouldn’t fall for low interest rate advertisements without understanding the full cost. We explain how discount points work—paying money upfront to lower your rate—and reveal that the break-even point is typically around five years. We discuss why it only makes sense to buy discount points if you’re absolutely certain you won’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.

Finally!!! Finally a proper Doctor Loan. These are tailored to medical professionals and their unique financial situatio...
01/29/2026

Finally!!! Finally a proper Doctor Loan. These are tailored to medical professionals and their unique financial situation. There is no one size fits all mortgage, but this can be a great option for our hard working physicians.

Rates move quickly. Nearly .25% difference in just a few days. I am constantly monitoring refinance opportunities for my...
01/20/2026

Rates move quickly. Nearly .25% difference in just a few days. I am constantly monitoring refinance opportunities for my clients and a few took advantage of the savings at the perfect time. Others who weren’t so sure or waited for “a little better rate” may have made a costly bet….time will tell.

New Conventional limits for 2026 are available now! Keep up with rising home prices with the ability to as little at 5% ...
01/14/2026

New Conventional limits for 2026 are available now! Keep up with rising home prices with the ability to as little at 5% down on a home worth approximately $875,000.

Simple Rate Mortgage Inc | Gilbert AZ 85234
Company Licensing: Simple Rate Mortgage Inc NMLS-2415740 | AZ MB-1042597
LO Licensing: AZ LO-1032342 FL LO-118651 NMLS-2266250






QueenCreekRealEstate
ArizonaRealEstate
AZHomeBuyer
AZHomeLoan
MortgageBroker
AZmortgageBroker

Ryan Eastman - Mortgage Broker
Simple Rate Mortgagemortgage.doc
NMLS:2266250

Great News for homebuyers! The FHA has increased their loan limits moving into 2026. This will allow more homebuyers to ...
01/14/2026

Great News for homebuyers! The FHA has increased their loan limits moving into 2026. This will allow more homebuyers to take advantage of the benefits of an FHA loan. These loans are not just for first time buyers or minimum down! They can be a great option with cheaper monthly payment for many.






QueenCreekRealEstate
ArizonaRealEstate
AZHomeBuyer
AZHomeLoan
MortgageBroker
AZmortgageBroker

Ryan Eastman - Mortgage Broker
Simple Rate Mortgagemortgage.doc
NMLS:2266250

Save this as a quick reference for the maximum concessions allowed for each of the major mortgage types!
01/14/2026

Save this as a quick reference for the maximum concessions allowed for each of the major mortgage types!

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Queen Creek, AZ
85142

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