Eric Murrietta NMLS #187940

Eric Murrietta NMLS #187940 Uplend Powered by V.I.P. Mortgage, Inc. V.I.P. wasn’t started as a company, but as an idea. An idea that the mortgage lending process could be simplified.

NMLS ID 145502
BK #0909074
Licensed In: AL, AZ, CA, CO, KY, NV, WA
NMLS Access Link: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187940 An idea that the dream of homeownership is very much alive and well. And, an idea that the people working on your loan understand what you are going through because they have been there themselves. Founded by Marine veteran Jay Barbour in 2006

, V.I.P. has grown from a single office with two loan officers in Scottsdale, AZ, to over 20 brick and mortar branches (across many states) with a few hundred licensed loan officers. funds several billion dollars in loans annually and consistently ranks at the top of numerous industry rankings.

06/04/2026

💳 One late payment. One wrong move. $59,000 gone.
Most people don't realize how much a single 30-day late payment can cost them, especially when they're getting ready to buy a home.
Your FICO score isn't just a number. It's the price tag on your mortgage. Lenders price loans in tiers, and every 20-point drop can push you into a more expensive bracket. Payment history alone makes up 35% of your total score, it's the single biggest factor.
Here's the reality: if your score drops from 760 to 620 on a $400,000 mortgage, you're paying $59,274 more over 30 years. That's not a typo.
Protect your score before you need it, not after. 👇
DM me or drop a comment and let's talk about where your credit stands today. 🤝

Eric Murrietta | Producing Branch Manager
UPLEND powered by VIP Mortgage
📞 480.378.6754 | NMLS 187940

🏡 Calling all agents in the Phoenix/Scottsdale area!If you're serious about building lasting relationships with your buy...
06/04/2026

🏡 Calling all agents in the Phoenix/Scottsdale area!

If you're serious about building lasting relationships with your buyers — this CE class is for you.

Join us Tuesday, June 16th for Buyer Representation: Building Trust , a FREE 3-hour CE class where you'll walk away knowing exactly how to educate your clients, earn their loyalty, and represent them the right way from day one.
This is the kind of knowledge that separates good agents from great ones. And when your buyers feel protected and guided? They refer. They return. They trust you.
Come learn, connect, and level up your business. 👇

📅 June 16th | 10:00 AM – 1:00 PM 📍 West USA | 14350 N 87th St #170, Scottsdale, AZ 85260
Drop a comment or DM me to register, let's build something great together. 🤝

Eric Murrietta Producing Branch Manager
UPLEND powered by VIP Mortgage
📞 480.378.6754 | NMLS 187940

June Is Here, Arizona!Looking for something fun to do this month? Here are a few events happening around the Valley and ...
06/01/2026

June Is Here, Arizona!
Looking for something fun to do this month? Here are a few events happening around the Valley and beyond:
🎉 Williams Historic Route 66 Car Show
🌌 Grand Canyon Star Party
🎶 June Jam 2026
🎭 Maricopa Juneteenth Festival 2026
🎸 5 Seconds of Summer Live
Arizona offers more than great weather and beautiful homes. It's a place filled with community, culture, entertainment, and opportunity.
Whether you're exploring a local festival, taking a road trip, or enjoying a summer concert, take time to enjoy everything our state has to offer.
And if 2026 is the year you're thinking about putting down roots in Arizona, let's have a conversation about your goals and create a plan that works for you.

Eric Murrietta | Mortgage Lender
📍 Phoenix, Scottsdale, Glendale AZ



05/30/2026

A lot of buyers think you always need a down payment.
Not always.
Yes, zero-down options do exist, but they're not common, and they're not the right fit for everyone.
Some loan structures can reduce or even eliminate the need for a traditional down payment. But here's what matters:
✔️ Zero down doesn't mean zero cost
✔️ Closing costs still exist
✔️ Monthly payment matters
✔️ Qualification guidelines still apply
✔️ Long-term strategy matters most
The mistake is focusing on how little you can put down instead of what puts you in the strongest financial position.
Sometimes zero down is the right move.
Sometimes a low down payment creates a better outcome.
The goal isn't the smallest investment today.
The goal is making the smartest decision for your future.
Give us a call and let's build the right strategy for your situation.

Eric Murrietta | Mortgage Lender
📍 Phoenix, Scottsdale, Glendale AZ



Home buyers, read this carefully:Waiting doesn’t always create opportunity.In this market, the buyers winning are usuall...
05/28/2026

Home buyers, read this carefully:

Waiting doesn’t always create opportunity.

In this market, the buyers winning are usually:
✔️ Pre-approved
✔️ Financially prepared
✔️ Clear on their strategy
✔️ Ready to move decisively

The best deals don’t always go to the highest offer.

A lot of times, they go to the most prepared buyer.

Preparation creates leverage.
Clarity creates confidence.
Speed creates opportunity.

Not later.
Now.

---

**Eric Murrietta | Mortgage Lender**
📍 Phoenix, Scottsdale, Glendale AZ



05/27/2026

There’s a program helping Arizona buyers get into homes with up to 4% assistance toward down payment or closing costs.
And most people have never heard of it.
Here’s why it matters:
✔️ Up to 4% assistance
✔️ Available in every Arizona zip code
✔️ Works with FHA, VA, USDA, and conventional loans
✔️ Zero-interest second lien
✔️ Forgiven after 3 years if you stay in the home
And here’s the part that surprises people most:
The income limit is over $123,000.
This isn’t just a “low-income” program.
A lot of middle-class buyers may qualify.
Over 32,000 Arizona buyers have already used it.
So if saving for a down payment has been the thing holding you back… this may completely change the math.
Eric Murrietta | Mortgage Lender
📍 Phoenix, Scottsdale, Glendale AZ

Most buyers think a pre-qualification is enough.It’s not. In today’s market, fully underwritten pre-approvals matter bec...
05/26/2026

Most buyers think a pre-qualification is enough.
It’s not. In today’s market, fully underwritten pre-approvals matter because they create certainty.
Here’s what the process actually looks like:
✔️ Submit full documents upfront
✔️ Credit, income, and debt get reviewed
✔️ File goes through underwriting
✔️ Conditional approval gets issued
✔️ You shop with a stronger position
That’s the difference between “probably approved”
and a file that’s actually been vetted.
And in competitive markets?
Strong financing competes like cash.
Eric Murrietta | Mortgage Lender
📍 Phoenix, Scottsdale, Glendale AZ


05/26/2026

POV:

You explain closing costs once…
and suddenly everyone looks like they’re solving quantum physics. 😂

Between escrow fees, title fees, prepaid taxes, insurance, and lender costs…
yeah, it can feel like another language at first.

That’s why strategy and education matter.

A good lender doesn’t just throw numbers at you.
They help you understand what you’re paying, why it matters, and how to plan for it.

Confused buyers make emotional decisions.
Prepared buyers move with confidence.

---

**Eric Murrietta | Mortgage Lender**
📍 Phoenix, Scottsdale, Glendale AZ



05/23/2026

Buying in 2026? This matters.

Loan limits just increased.

For most areas, the new conforming loan limit is now $832,750 for a single-unit home.

Why does that matter?

Because it may allow buyers to borrow more without going jumbo.

And jumbo loans usually come with:
• Stricter approvals
• Larger reserve requirements
• Different lending guidelines

For FHA buyers in Pima County,
the new FHA limit is $498,257.

Here’s the takeaway:

Higher loan limits create more flexibility.
But if you’re planning with old numbers,
you may be making the wrong strategy decisions.

Know the current rules.
That’s how smart buyers win.

---

Eric Murrietta | Mortgage Lender
📍 Phoenix, Scottsdale, Glendale AZ


A lot of buyers think “first-time buyer” means first time ever.Not true. In many cases, if you haven’t owned a home in t...
05/21/2026

A lot of buyers think “first-time buyer” means first time ever.

Not true. In many cases, if you haven’t owned a home in the last 3 years, you may qualify again.

And in Arizona, some of these programs can help with:
✔️ Lower down payments
✔️ Closing cost assistance
✔️ Easier entry into the market

But here’s what most people get wrong: These programs are tools, not shortcuts.
The real advantage comes from using the right strategy for your income, timeline, and long-term goals.
You might be closer than you think.

DM me and let’s see what you may qualify for.
---
Eric Murrietta | Mortgage Lender
📍 Phoenix, Scottsdale, Glendale AZ



Address

9221 E Via De Ventura
Scottsdale, AZ
85258

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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