Glutz Group

12/18/2025

5.0 star review received on Experience.com for Alisa Glutz by Matt S - Alisa was wonderful. Made sure to help, gave her best attention to detail, and more importantly her time to help with the escrow process.

Click to see all 125 reviews of Guild Mortgage - Alisa Glutz, Loan Officer

03/15/2024

Hello, friends and future homeowners! It’s Alisa Glutz here, your trusted licensed mortgage professional at Guild Mortgage, bringing you some fantastic news that could transform your journey to homeownership.

We’re thrilled to introduce the FNMA HomeReady First program, a special initiative designed to empower first-time buyers like you. Imagine getting up to $6,500 towards your down payment or closing costs! Yes, you read that right. Plus, there’s a bonus of up to $500 to cover your appraisal costs.

This program is specially crafted for those living in underserved areas, but the beauty of it is that you can buy a home anywhere, regardless of where you currently live, as long as you’re within one of the 21 eligible metropolitan areas. That’s right, places like Phoenix, Atlanta, Chicago, Dallas, and many more are on the list.

Why is this Big News?

• No Income Limits: Forget about the usual income restrictions; they don’t apply here.
• Flexibility: Whether you’re eyeing a single-family home, condo, or even a manufactured home, this program has got you covered.
• Credit-Friendly: With eligibility starting from a credit score as low as 620, this program is designed to be accessible.
• Maximized Loan Options: You can get up to 97% LTV (Loan to Value) on your mortgage, making it easier to finance your dream home.

How to Check Your Eligibility?

It’s simple! Head over to the FNMA Area Median Income Lookup Tool:

Https://ami-lookup-tool.fanniemae.com


Just input your current address (not the property you’re buying) to see if you’re eligible for the HomeReady First program.

Take the First Step

Why wait? This is your moment to move closer to the keys to your new home. Visit the Fannie Mae lookup tool today and discover if you’re eligible.

For more details, questions, or if you’re ready to dive in, feel free to reach out:

📞 Phone: 480-206-6516
Email: [email protected]

Let’s make your homeownership dreams come true together. Remember, it’s not just about getting a mortgage; it’s about finding the right path to your new home.

03/01/2024

Lots of great ideas here! 🩷🩷

The Color My Credit Money Guide: Make, Save, Grow, and
Give

Make money

1. Freelance on platforms like Upwork
2. Tutor online or in-person
3. Sell digital products
4. House sit
5. Create an online course
6. Get into affiliate marketing
7. Sell crafts on Etsy
8. Start a dropshipping business
9. Rent out equipment on Fat Llama
10. Become a virtual assistant
11. Launch a print-on-demand business
12. Pet sit or dog walk
13. Do odd jobs on TaskRabbit
14. Teach a specialized skill like music
15. Start a blog and monetize it
16. Flip furniture
17. Write an eBook
18. Perform street performance/art
19. Create a YouTube channel
20. Write articles on Medium
21. Refer people and get paid
22. Become an influencer
23. Publish a monthly planner (Color My Credit, for example!)
24. Sell photos on Shutterstock
25. Record audiobooks

Save Money

26. Cancel unused subscriptions
27. Use GoodRX for prescription discounts
28. Get rid of PMI if possible
29. Shop insurance for better rates
30. Buy generic products
31. Shop with apps like RAISE or SLIDE
32. Use a high-yield savings account
33. Cook at home instead of eating out
34. Buy in bulk
35. Use energy-efficient appliances
36. Use a budgeting app
37. Carpool to work
38. Cut the cord on cable TV
39. Use a programmable thermostat
40. Snap receipts on Fetch apps
41. Get a roommate
42. Use Gas Buddy for cheaper gas
43. Buy used or refurbished electronics
44. Repair instead of replace
45. Collect coupons and shop sales

Grow Money

46. 401k-Check for company match and loan options
47. Open a CD account
48. Consider real estate investments
49. Contribute to a 401(k)
50. Start a side business
51. Open a Robinhood account
52. Invest in a mutual fund
53. Open an IRA
54. Invest in precious metals
55. Try peer-to-peer lending
56. Use dividend reinvestment plans
57. Invest in Treasury bonds
58. Start an emergency fund with DIGIT
59. Try foreign exchange trading
60. Invest in a startup
61. Use bank bonuses for extra income
62. Consider automated investment platforms like STASH
63. Open a self lender account
64. Engage in tax planning
65. Explore cryptocurrency with Uphold

Give Money

66. Choose a charity on Charity Navigator to donate to
67. Sponsor a child
68. Donate to disaster relief
69. Fund scholarships
70. Contribute to animal shelters
71. Donate to local food banks
72. Fund medical research
73. Plant a tree with each purchase
74. Volunteer your time and skills
75. Donate clothes and furniture
76. Support local artists and creators
77. Pay for someone’s coffee in line
78. Fund microloans through Kiva
79. Support crowdfunding campaigns
80. Adopt a pet from a shelter
81. Help fund a community project
82. Pay for a stranger’s parking meter
83. Donate to veterans organizations
84. Buy from social enterprises
85. Donate used books to libraries

Miscellaneous

86. Review products for gift cards on DROP
87. Use chrome browser extensions for deals-Honey, Cap One Shopping
88. Host a garage sale
89. Swap skills with someone
90. Join a barter network
91. Try mystery shopping
92. Sell unused gift cards
93. Become a brand ambassador
94. Sell your art online
95. Use public transport to save gas
96. Join a focus group
97. Take online surveys
98. Rent out your parking space on Neighbor
99. Turn hobbies into income on ETSY
100. Rebalance your investment portfolio

❤️🖍️🏚️😍 Alisa Glutz Glutz Group

11/01/2023

The Missouri Verdict and the Rising Power of Consumer Advocacy

In a recent groundbreaking case, a Missouri court found the National Association of Realtors (NAR) and other major brokerage firms guilty of conspiring to inflate commission fees. While this may have been surprising to some, a closer look at the current wave of consumer advocacy sweeping across various industries shows us that this outcome was not only predictable but perhaps overdue.

A Look at Impacted Industries

Consumer advocacy isn’t new, but its effects have become more potent and widespread in recent years. Whether it’s healthcare, technology, food, or fashion, consumer voices are transforming the way industries operate:

Healthcare

Consumer demands for price transparency in medical procedures and medications have led to legislative changes aimed at making healthcare more affordable and transparent.

Technology and Data Privacy

With increasing concerns about data collection and user privacy, tech companies are being forced to adjust their policies and improve user controls.

Food Industry

Consumers have pushed for organic, non-GMO, and ethically sourced foods, compelling companies to adopt more sustainable and transparent practices.

Automotive

Public calls for environmental responsibility have sped up the development and adoption of electric and hybrid vehicles.

Fashion

Ethical considerations have put the fast fashion industry under scrutiny, leading to the rise of more sustainable and ethical brands.

Financial Services

In banking and lending, consumer groups have been vocal about the need for greater transparency in fees, loan terms, and financial advice.

Energy

Advocacy for renewable energy has led to increased investment in sustainable options and government incentives for their adoption.

Travel and Tourism

Issues like over-tourism have resulted in more sustainable tourism initiatives.

Beauty and Cosmetics

Consumer awareness about harmful ingredients has prompted brands to reformulate their products to be cruelty-free and organic.

Education

The push for equitable access to education has led to a focus on affordable or free online educational resources.

The Writing on the Wall

When we consider the widespread impact of consumer advocacy, the Missouri lawsuit should serve as no surprise. Across industries, consumer voices have become a powerful catalyst for change, challenging traditional practices and pushing for reforms.

Embracing the Winds of Change

In light of all these transformations, it’s crucial for individuals and industries to understand that change is inevitable. As the saying goes, “The only way to make sense out of change is to plunge into it, move with it, and join the dance.” As consumers, we hold more power than we often realize, and as industries, it’s time to listen and adapt.

In closing, a quote by John F. Kennedy captures the essence of our times: “Change is the law of life. And those who look only to the past or present are certain to miss the future.”

By acknowledging the power of consumer advocacy and adapting accordingly, industries can position themselves for a more transparent, ethical, and consumer-friendly future.

08/12/2023

How to Avoid Becoming a Trigger Lead After a Credit Inquiry

Every day, countless people have their credit checked for a variety of reasons, be it for a mortgage, auto loan, or credit card application. Little do they realize, this seemingly simple action may open the floodgates to unsolicited calls and marketing pitches. Why? The three major credit bureaus—Equifax, Experian, and TransUnion—sell your information to loan officers, insurance agents, credit card companies, and many others hungry for your business.

Given the rise in the number of entities buying leads nowadays, it’s no surprise that you’re receiving numerous calls daily. But fret not! There are ways to counteract this intrusive practice. Here are three pivotal steps you can take:

1. Opt Out of Pre-screened Offers: Before anyone checks your credit, sign up on OptOutPrescreen.com. It’s crucial to do this at least five business days before the credit pull. In the past, merely having the loan officer remove your contact information sufficed. Those days are over. Now, preemptive action is necessary.

2. National Do Not Call Registry: Register on DoNotCall.gov. By doing so, you’re placed on a national ‘Do Not Call’ list, theoretically keeping your name off many telemarketing lists.

3. MyFICO - Your Personal Credit Insight Tool: The top recommendation from us at Color My Credit is for you to create an account with MyFICO. It allows you to see the actual credit scores that lenders view without triggering a hard inquiry. Yes, there’s a fee involved, but think of it as an investment to view your real scores without the nuisance of companies incessantly calling. Moreover, when you’re finally ready for a lender’s inquiry, you’ll be prepared for any incoming calls. You can even catch out those attempting to contact you against regulations.

Act Now! If the idea of curbing these unsolicited calls and offers appeals to you, take these actions now. And if you’re unsure about using MyFICO or have any other credit-related queries, don’t hesitate to get in touch. I’m here to help!

The Ultimate Shield –
Freezing Your Credit:
Consider your credit report as your financial home. Just as you’d install a security system in your house to ward off intruders, freezing your credit with all three bureaus is a potent way to protect your financial identity. When your credit is frozen, no one, except you, can access it. The best part? This doesn’t inhibit your ability to work on or review it on platforms like MyFICO.

Your credit is more than just a number; it’s a reflection of your financial well-being. Keep it secure.

Follow Color My Credit for more credit education and empowerment.

01/25/2023

Looking for your state’s assistance available for those who are struggling to make their house payment? See this extensive list for your state’s fact sheet and program requirements.

Think you won’t qualify? A family of 4 in Maricopa county making less than 96k can qualify for up to 100k in grant funds. Check it out.

Current Program Documents Each state's most recent fact sheet, and website are included below. For more information about a state's Hardest Hit Fund program, please contact the state housing finance agency directly. For information on performance please see the Reports page, published quarterly. For...