Austen Dudley

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Austen Dudley Loan Officer - CrossCountry Mortgage, Personal NMLS #1087733, Corporate NMLS # 3029, 480-261-1838, Equal Housing Opportunity

Austen is an Arizona native, where he grew up in Scottsdale, graduating from Saguaro High School where he was the captain of his golf team senior year, and a four year varsity player. He continued on to Arizona State University where he earned a Bachelor of Arts Degree in Communication with a Minor in Business in 2011. In 2008, with a passion for travel, Austen studied abroad with the Hugh Downs School of Human Communication in England, Ireland, Scotland and Amsterdam. Austen married his wife, Briana, in 2015, in Scottsdale, and had their first son, Giovanni, in 2016. They are expecting their second child in 2017! Austen began his financial career in retail banking with Wells Fargo in 2009 while attending college and after graduation. Austen was recognized several times as a top performing banker in the state with Wells Fargo, and has worked for several other leading financial firms in the banking industry. In 2016, he was approached with the opportunity to enter the mortgage industry. With his vast financial and superb customer service experience, it was a no brainer and an easy transition. It is Austen's belief that having pristine communication throughout the entire mortgage process and providing clients with world class customer service are what's most important when it comes to lending and the home buying process. Helping clients understand their options and tailoring products to fit their long term needs is vital in one of the biggest decisions anyone can make in life

7.03% today. highest since january 2025.most buyers see that number and wait. the move right now isn’t a better rate, it...
09/26/2026

7.03% today. highest since january 2025.

most buyers see that number and wait. the move right now isn’t a better rate, it’s a seller who’s been sitting 90+ days and wants to talk.

ask for the price cut. ask for the seller-paid buydown. look at a permanent buy down. look at ARM options. let them get you the payment you want despite elevated rates.

comment “buydown” and i’ll break down what this looks like on your numbers and help you strategize.

09/17/2026

My favorite fantasy football roster of 2026 👀🏈

Loaded with Jalen Hurts, Ja’Marr Chase, Derrick Henry, Travis Etienne Jr., George Pickens and Dallas Goedert, and some sleepers 😴

The strength? Elite QB/RB/WR production, multiple touchdown upside plays, and serious depth at RB and WR.

This is the 2026 fantasy football team I’m most excited to ride with. 🏆

What does your team look like this year?

the fed just raised rates for the first time since 2023. your mortgage rate already moved months ago — different clock, ...
09/16/2026

the fed just raised rates for the first time since 2023. your mortgage rate already moved months ago — different clock, different market.

comment “rate” if you want to know where things actually stand today.

A loan officer’s job isn’t to just quote you a rate.It’s to show you what’s actually possible.  The down payment options...
09/05/2026

A loan officer’s job isn’t to just quote you a rate.

It’s to show you what’s actually possible. The down payment options, the rate buydowns, the loan programs you didn’t know existed. To make you feel as comfortable as possible and understand the financing.

That’s the difference between “here’s your rate” and “here’s your plan.”

Having a mortgage advisor in your corner is key for one of the biggest investments in life. Not just someone who’s quoting a rate.

Comment “plan” and i’ll walk you through it.

scottsdale mortgage lender, phoenix first-time home buyer, mortgage strategy, home financing, arizona home loans

mortgage rates have worsened. they’ll probably move again tomorrow.here’s what actually matters: the payment, and whethe...
09/02/2026

mortgage rates have worsened. they’ll probably move again tomorrow.

here’s what actually matters: the payment, and whether it’s structured the way you want it.

right now more than half of metro phoenix sales between $200k–$600k are closing with seller concessions — closing costs, rate buydowns, repair credits. sellers are negotiating again.

that means the conversation isn’t “wait for a better rate.” it’s “what payment are you comfortable with, and what does it take to get you there.” tell me the number, i’ll show you the structure.

comment “structure” and i’ll run your numbers.

Those who wait for everything to align perfectly will miss the boat.And the truth is, we never know when that boat is go...
08/28/2026

Those who wait for everything to align perfectly will miss the boat.

And the truth is, we never know when that boat is going to leave the harbor. 🚢

Right now, we’re seeing purchase contracts with 3%, 4%, 5%, and even 6% in seller concessions toward buyers’ closing costs.

That can make a BIG difference when it comes to getting into a home and keeping more money in your pocket, and getting a rate well below today’s market rates.

If you’re in the market—or even considering buying instead of renting—and you’re looking for a lender who will help you structure the best deal possible, shoot me a message.

There are opportunities in this market to be had.

It’s a great time to be a buyer.

a client gave up his 3.75% mortgage rate. on purpose.he was making 12 separate payments every month, his mortgage plus 1...
08/22/2026

a client gave up his 3.75% mortgage rate. on purpose.

he was making 12 separate payments every month, his mortgage plus 11 credit cards and personal loans, adding up to $2,074/month. we rolled all of it into one new loan at 6.875%

yes, the rate went up. here’s what also happened: one payment instead of twelve. $1,392/month total. $682/month back in his pocket - this can be a powerful strategy for a fresh start

swipe through exactly how the math worked — including the part most people don’t want to hear

every situation is different. if you want your real numbers, text me your mortgage balance, payment, and rate, your debt balances, and your estimated credit score and home value. i’ll text back an honest answer

📞 480.261.1838 or dm “restructure”

based on an actual client’s loan documents. figures rounded to protect privacy. not a guarantee of savings; results vary by borrower. equal housing lender.

Happy Birthday Cam!!  Can’t believe you’re 9 years old.  We love you so much!!  You’re going place in life.  Keep being ...
08/13/2026

Happy Birthday Cam!! Can’t believe you’re 9 years old. We love you so much!! You’re going place in life. Keep being you! Can want to see what this year brings!

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Scottsdale, AZ
85255

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