Don Hoover Home Loans

06/05/2026

Friday Funnies. Lessons of Life
1. If you're too open-minded, your brains will fall out.
2. Don't worry about what people think; they don't do it very often.
3. Artificial intelligence is no match for natural stupidity.
4. My idea of housework is to sweep the room with a glance.
5. Not one shred of evidence supports the notion that life is serious.
6. It is easier to get forgiveness than permission.
7. If you look like your passport picture, you probably need the trip.
8. A balanced diet is a cookie in each hand.
9. Middle age is when broadness of the mind and narrowness of the waist change places.
10. Opportunities always look bigger going than coming.
11. Junk is something you've kept for years and throw away three weeks before you need it.
12. Experience is a wonderful thing. It enables you to recognize a mistake when you make it again.
13. By the time you can make ends meet, they move the ends.
14. Someone who thinks logically provides a nice contrast to the real world.
15. If you must choose between two evils, pick the one you've never tried before.

06/02/2026

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again. And if that’s made you wonder whether you should delay your move until they drop, you’re not the only one. The honest truth is that rates probably won’t come down much until inflation cools off and some of the global uncertainty settles. And no one knows exactly when that’ll be. But what most headlines won’t tell you is that rates aren’t the only thing that affects affordability. Sure, they’re a big factor, but not all of the affordability news is bad. Wages, home prices, and inventory are all trending in a direction that could still help make your move possible. Want to know what that actually looks like for your situation? Drop a comment or send me a DM. Because even though rates are higher, there are pockets of opportunity in any market, if you know where to look.

05/28/2026

We are now active with Vantage credit scores!

Is your Vantage score much higher than Fico?

We can now use the Vantage score for Conventional and VA financing!

For some buyers, this could be the difference between getting approved today vs having to do credit repair first

05/24/2026

Let’s Go Diamondbacks!

05/21/2026

05/20/2026

Great advice from Mel Robbins

05/18/2026

Homeowner Equity Over the Past 6 Years

When’s the last time you checked how much equity you’ve built? Because the number might surprise you. In just the past 6 years, the average homeowner has gained over $128,000 – just from price growth and making their payments. That’s money that could help fund your next move or a major life goal. And if you’ve lived there longer than 6 years, your number could be even higher. Want to find out? I’m offering a free equity assessment for homeowners in our market right now. Just send me a DM to get started.

05/12/2026

Weekly Market News -

05/06/2026

Online searches for down payment information recently hit an all-time high. That shows a lot of buyers aren’t sure what’s actually required, and they’re looking for answers. Unfortunately, many still think they have to put 20% down. But the data says something very different is happening. The typical first-time buyer actually puts down about 10% – that’s half of what you probably expected. And some do as little as 3.5% or even 0% down (depending on their loan type). So, that 20% myth is only holding you back and delaying your timeline more than necessary. If you’re curious about what’s really required, it’s worth having a conversation with a trusted lender. A true expert can give you better information than an online search. Then let’s chat about what your budget can get you in today’s market.

05/05/2026

Got buyers stuck saving for a down payment? -