Olson Home Group

Olson Home Group Mortgage + real estate + property management for Arizona's White Mountains. Broker = we shop 100+ lenders for your best fit. NMLS #1459928

First-time, move-up, self-employed, investors.

09/24/2026

If you’ve been waiting for a rational moment to buy in the White Mountains, this is it: Sep 27–Oct 3 brings more inventory, lower prices, and less competition. I’ll help you pair the right property with the right loan so the math works day one and years from now.

09/23/2026

You are not as stuck as somebody told you last year.

If you have been sitting in a house you have outgrown because you were told you had to sell it before you could buy the next one, the rule just changed.

It used to take a signed lease and proof you had collected first month's rent before a lender would count any income from the home you were leaving. No tenant lined up, no income, no new house.

Now the market rent can come from the appraisal instead. No lease required.

There are still rules around it, and this is the conventional guideline, so FHA and VA run their own.

Send this to somebody who thinks they have to sell first.

09/21/2026

My daughter said everything was too expensive to rent.

Here is the text I actually sent her.

Rent goes up with inflation. Your principal and interest payment does not. That is the whole argument in one sentence.

Your loan balance also goes down every single month. That part is guaranteed. What the house is worth over time is not guaranteed, but it has historically moved one direction.

She and her husband are both full time students working part time. Genuinely broke. If it is worth running the numbers for them, it is worth running for you.

Save this for the next time somebody tells you they are not ready yet.

The AI headlines and your mortgage rate are more connected than they look. 🧵Nvidia says it plans to sell twice as many A...
09/20/2026

The AI headlines and your mortgage rate are more connected than they look. 🧵

Nvidia says it plans to sell twice as many AI chips next year, and projected ~70% revenue growth for its fiscal year ending Jan 2028. That kind of buildout takes enormous financing — and heavy borrowing tends to push bond yields higher. Since the 10-year Treasury is the benchmark mortgage rates follow, macro news like this can quietly shape what you pay on a home loan.

This week the 10-year touched a level not seen since 2007 before easing back, and the Fed raised rates for the first time since 2023. Elevated? Yes. Stuck? No — rates move both ways, which is exactly why being ready matters.

Closer to home, Navajo County has 885 homes for sale (17.4% more than last year), a median ASKING price of $480,000 (down 6.8% YoY — a list price, not a sale price), and about 1 in 4 listings has taken a price cut. Yet pending sales are up 27.9% year over year, so buyers are still transacting. More inventory + more negotiating room can offset a lot.

Here's the broker advantage: instead of taking a single bank's rate sheet, I shop HUNDREDS of lenders to find the fit that works for your situation. That's the difference between one quote and real options.

Data over drama. Want to run your numbers? DM me or call 602-737-1045. 📊

Full local report: https://www.olsonhomegroup.com/white-mountains-housing-market

09/19/2026

What’s your favorite part of this kitchen family area?

"Your credit score is too low."That's what one veteran heard when he tried to use his hard-earned VA benefit to buy a ho...
09/18/2026

"Your credit score is too low."

That's what one veteran heard when he tried to use his hard-earned VA benefit to buy a home. He walked away thinking homeownership was off the table.

Here's the part nobody told him: some programs allow VA financing with credit scores as low as 580. A single lender saying no doesn't mean every door is closed — it just means you talked to the wrong one.

As a broker, I'm not tied to any single bank. I shop hundreds of lenders to find the program that fits the real person in front of me — not the one that fits inside one bank's narrow box. For this veteran, that meant finding a program designed for lower-credit VA buyers. Same score. Same file. A very different outcome: approved, and keys in hand.

If you (or someone you love) served and got told "no," don't take it as final. There may be a path you haven't seen yet.

Save this post for when you — or a friend — need it. 💚

(Illustrative scenario. Broker, not a bank — I shop many lenders on your behalf.)

Oil crossed $100 a barrel again this week — and that's not just a gas-pump story. 🛢️Here's the chain reaction: higher oi...
09/15/2026

Oil crossed $100 a barrel again this week — and that's not just a gas-pump story. 🛢️

Here's the chain reaction: higher oil → higher inflation → the 10-year Treasury moves higher → and mortgage rates track that 10-year more than almost anything else. This week the 10-year hit its highest level in roughly two years. So there's real upward pressure on borrowing costs right now.

But here's the twist the headlines skip: while rates are being nudged UP, the housing side is swinging in buyers' favor. Locally in Navajo County (August 2026):

🏡 Median asking price $480,000 — down 6.8% year over year (asking price, not sold price)
🏡 885 homes for sale — 17.4% more than last year
🏡 About 1 in 4 listings has taken a price cut
🏡 Pending sales up 27.9% — people are still buying
🏡 Homes taking ~85 days to go under contract, about a week longer than last August

That combination — elevated rates but softer prices and more choices — is exactly when working with a broker pays off. I'm not one bank with one shelf of options. I shop HUNDREDS of lenders to build the loan that actually fits your situation.

Data > drama. Let's talk about your numbers.
📲 DM "RATES" or call 602-737-1045
📊 Full local report: olsonhomegroup.com/white-mountains-housing-market



Full White Mountains market report — asking prices, inventory and days on market, updated monthly:
https://www.olsonhomegroup.com/

My SO and I gave Kristi a Mission Impossible task with our list of home hunting demands, but she not only met them, she ...
09/14/2026

My SO and I gave Kristi a Mission Impossible task with our list of home hunting demands, but she not only met them, she exceeded our expectations!We wholeheartedly recommend Kristi and her outstanding team. They made us feel like we were their only clients, with complete VIP treatment from start to finish.

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Show Low, AZ
85901

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 3pm

Telephone

+19282431579

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