https://sleek.bio/drewh, http://hostloan.co/

Drew Hittner, 9375 E Shea Boulevard, Scottsdale, AZ (2026)

11/15/2025

Building memories that matter most. 🤍
Grateful for the opportunities HostShare provides our family.

05/11/2025

Every morning starts the same Thanya at the stove flipping pancakes for Penny while planning the girls’ day like a mission briefing. Later, she’s in the nursery pumping through exhaustion, rocking Priscilla, somehow still finding the energy to make Penny laugh.

Motherhood isnt easy, and pumping is brutal. But she shows up every single day with a strength that leaves me in awe.

One day, I hope our daughters understand just how lucky they are. And even more than that, I hope they inherit their mother’s strength.

Happy Mother’s Day, babe💐 You carry this family and we see you.
Can’t wait to cook you that seared ribeye tonight 🍷

05/13/2024

Look What God Did! 🌟

Today, I celebrate this queen 👑. The journey we’ve shared has taught me so many amazing things. We are truly blessed to have your unconditional love. Your strength and grace inspire us every day. Happy Mother’s Day to the most incredible mom! ❤️

04/08/2024

Can you deduct your home equity loan interest from your taxes? Well, it all depends on how much 💰 mortgage debt you still have and when you took your loan out. 📅

According to the Internal Revenue Service (the famous IRS) guidelines, you can deduct the interest 💸 from your home equity loan if you’ve used the equity to buy or build 🔨 a second residence or to make significant improvements to your primary one.

First and foremost, you need to make sure said home equity loan interest qualifies, 💯 so there are a couple of guidelines to consider (for instance, one of them is that your debt shouldn’t be higher than the qualifying 🔑 house value).

Once you’ve checked ✅ all these boxes, you must gather your mortgage statement and other documents, like receipts or contracts, that prove how you’ve used the funds. Next, you’ll have to itemize your deductions (and don’t forget to factor in your mortgage points). 👍

Like with any other tax deduction-related issue, remember: Putting in this little extra effort is undoubtedly worth it for your financial health! 🙌

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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04/06/2024

If you have a passion for 🔧 renovating and are curious about investing in 🔑 real estate, then flipping houses is right up your alley! In fact, there are many ways you can obtain financing to purchase a flipping house. 🏠

But before you fix and flip, it's crucial to 🔍 research and know what you're getting into! You see, flipping a house is riddled with expenses to take into account. This can be a pretty pricey project if you don't review the costs! You have to pay 💸 for the real estate, and the improvements, and still have some financial cushion in case something comes up. Oh, and don't forget about other expenses, such as the homeowner's insurance and the utilities (like light, gas, and water). 😳

Now, let's review the loans 💰 you have available if you're in First, you can resort to a home equity line of credit (HELOC). These are, essentially, a second mortgage that allows you to leverage your primary residency equity to get money in a line of credit. 💯

You can also go for hard money loans. 🤝 Remember that these short-term loans might ask you for a property to use as collateral! If you're unsure where to find hard money loans, look up reliable and reputable private lenders or investor groups. 👍

There are many other types of financing to explore, so take your time to do the due diligence, research properly, and get ready to fix and flip! 🤩

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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04/03/2024

Having a bad credit score 📉 is not the end of the world, but it can certainly give you a tough time 🥵 when it comes to mortgages. So, is it possible to refinance if your credit is less than stellar? 🤔

The short answer: Yes! 💪 However, you’ll have to get a little creative and, like the Beatles song, you’ll need a little help from your friends. 😅

One of the ways you can refinance 💸 is by applying with a non-occupying co-client, meaning that this person who doesn’t live with you is willing and ready to take financial responsibility for you in case you stop making 🏠 mortgage payments. For this, your lender takes into account the credit score, assets, and income of both parties involved. Talk about joining forces! 🔥

But what if you don’t have a non-occupying co-client? 🧐 Well, there’s another way. Get an FHA streamline refinance! There’s a small detail, though: your loan must be an FHA one if you want to get through this route. This type of refinancing won’t require you to 🔍 check your credit or verify your income.

Finally, another option is getting a 💰 cash-out refinance. However, to do this, typically, you’ll be asked to have a FICO® credit score of at least 620. Remember that cash-out refinances will only allow you to refinance the rate or term 📅 of your loan!

So, what option would you choose and why? 👀

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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04/01/2024

Time is ticking! ⏳ Our Tax Saving Strategies webinar with Ryan Bakke is just around the corner, and we'd hate for you to miss out. 😱

In this session, Ryan will unveil strategies to optimize your taxes, ensuring you keep more of your 💰 hard-earned money. Plus, we'll delve into essential topics such as managing your Debt to Income Ratio (DTI), providing you with a comprehensive understanding of your financial health.

Whether you're a 😎seasoned investor or new to the game, this webinar is packed with actionable advice tailored to your needs. ✅

Secure your spot now before it's too late!

👉 Go to DD.Loans/Tax

04/01/2024

Defaulting on your mortgage 🔑 for a determined amount of days will surely head you toward foreclosure. 😰 However, there’s one last resource you can use before you face that scenario, even after the foreclosure action takes place, and that’s the right of redemption. 🤔

Initially, when you got the mortgage to purchase your 🏠 property, you signed all kinds of paperwork. One of the documents was the deed of trust (or security instrument or simply mortgage, depending on the 🗺️ state your house is), and there is stated what happens to the property if you default on your mortgage - Long story short, the lender will seize your house in a foreclosing process. 😱

However, you can repay your 💸 debt and reclaim possession of your house before it hits the foreclosure auction. Some states even allow homeowners to do this even after the property is sold 🤝 to another buyer, and that’s the right of redemption.

Now, suppose your property is already foreclosed. How does the right of redemption save the day? 🧐 Well, it’s not that simple, given that the redemption powers vary from state to state. You can look at your state laws on the United States Foreclosure Law website. 🔍

However, taking advantage of this is not for everybody - If you’ve already fallen into mortgage default, chances are you’re financially 💰 struggling, and you can’t afford to leverage this legal right.

Financial planning and constant communication with your lender are key to avoiding mortgage default! 👀

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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03/30/2024

The term "mortgage delinquency" not only ⚠️ sounds heavy, but it's quite dangerous for your home loan and your credit score! 😱

If you've never heard 🤔 the term, you might think, "Who's going to rob a mortgage?" but it doesn't go that way. Mortgage delinquency is when, for whatever reason, someone is 30 days late 📅 on a single mortgage payment.

What about the consequences of falling into mortgage delinquency? They can be severe, ranging from late payment fees to property foreclosure. And don't forget, your credit score could take a 📉 major hit!

While financial hardships 💸 happen to everybody, it's important to have a plan as soon as you notice you're struggling to make your mortgage payments. Talk to your lender 🤝 about your options for modifying your loan terms, such as the interest rate or switching to a fixed-rate one if you have an adjustable-rate mortgage. ✅

There's another solution 💡 you can rely on, i.e., forbearance. That will give you a window of time ⏳ to seek solutions for your financial issues. Remember, forbearance is better than a foreclosure, always!

When you agree to a commitment such as a 🏠 mortgage, financial planning is key to making timely payments and avoiding mortgage delinquency. If you fall into financial hardship by any chance, communicate with your lender first and foremost! 💯

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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03/28/2024

If you’re a first-time 🔑 homeowner, you might have thought buying a house would be smooth sailing 😎 as long as you had your finances in order, right? Well, sometimes life happens, and you have to improvise to keep up with 📅 the payment schedule.

Falling behind on your 💸 mortgage payments can lead to serious complications if it’s a recurring issue! First, you need to know that you have a ⏳ time frame within which, even if you’re late, you’re not incurring any penalties yet. That’s called a grace period.

While it’s not a bad thing to 🤔 pay during this grace period, you better not get too accustomed to it! If there’s an issue with the bank or a delay in the mailing system, your lender might receive the payment after the grace period ends, and you might end up with 💰 a late payment fee to cover.

Now, you might be thinking, “That’s just a ⚠️ late payment penalty; I can simply pay that and be on my way,” but keep in mind that it can also impact your 📉 credit score and hurt your credit possibilities in the future!

What about the 🥵 biggest consequence of being late? If you’re 120 days late on your payment, your mortgage company will start the foreclosing process, and you face the immediate reality of 🔑 being evicted. Avoiding foreclosure is a lengthy and expensive experience you want to avoid!

Financial planning, on-time payments, and constant communication with your lender will keep your mortgage healthy and your property secure! 🏠🤗

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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03/26/2024

Have you ever heard the 🤔 term “principal reduction”? It used to be an option for both borrowers and lenders 💸 to dodge the foreclosing process when the homeowner had negative equity (meaning you owe more on your property 🏠 than what it’s worth).

A foreclosure is a scenario nobody wants 😱 to go through, and that’s when principal reductions come into the picture. There were several types of principal reduction programs, like the 🔑 Home Affordable Modification Program (HAMP) or the Hardest Hit Fund (HHF), but they’re no longer in the market to help struggling homeowners. 🤝

Having said this, what are the alternatives, then? 🧐 If you’re having a tough time with negative equity (also known as 💰 underwater mortgages), you can opt for a rate and term loan refinance to help you lower your monthly mortgage payment, thus saving thousands of bucks in the long run. ✅

You could also check if you’re eligible 🔎 for mortgage forbearance, which allows you to pause your monthly payments 📅 for a period of time due to a short-term hardship.

Finally, if you’re not too sure about refinancing, you can go after a ✍️ loan modification, where your lender makes some changes within the original terms and conditions of your mortgage. But how is it different from refinancing? You don’t have to pay for it! 🙌

If you’re struggling to pay your mortgage, don’t fret! Assess yourself with an expert to discuss your options. 💯

🔸🔸 Don't sweat the small stuff! You've got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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03/23/2024

Exploring the possibility of refinancing? 🤔 Then one of the first things you’ll have to sort out is if you want to refinance with the 🤝 same lender or choose a new one. And yes, there are a couple of major differences to consider! 👀

Sure, if you choose to refinance 💸 with the same lender, you can skip some steps. They already have all your info, and you’re already familiar with their particular 🔍 payment process. Besides, if you have a great 🤩 lender, you can continue to enjoy the same amazing service.

However, remember that you might not get the best interest rates 📊 or the lowest fees; you might have to pay more than if you were to refinance with a new lender.

If you choose to go with a ✍️ new lender, you might even get a better overall deal - Imagine paying less upfront, securing a better interest rate, and even improving the service! Sounds attractive, right? 😉

But that also means you’ll have to start from scratch (gather all documentation 📑 and open the new account). While the beginning of your professional relationship might look 💯 promising, you don’t know how the service will be in the long run! 😳

It’s always a good idea to browse different options and take the time to compare. Researching and shopping around is a must! 🧐

🔸🔸Don’t sweat the small stuff! You’ve got to help you with everything: mortgages, FHA loans, STR loans, HELOCs, house hacking, and becoming an Airbnb super host.🔸🔸
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Drew Hittner

11/15/2025

05/11/2025

05/13/2024

04/08/2024

04/06/2024

04/03/2024

04/01/2024

04/01/2024

03/30/2024

03/28/2024

03/26/2024

03/23/2024

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Senior Licensed Lending Officer