LaVena Spain MLO

05/30/2026

https://www.mortgagenewsdaily.com/mortgage-rates

Mortgage rates are set to end much lower this week.

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.

05/28/2026

Today's Rates

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.

05/19/2026

https://www.mortgagenewsdaily.com/share/mortgage-rates

A list of current mortgage rates, historic mortgage rates, charts and interest rate news.

05/16/2026

https://www.mortgagenewsdaily.com/mortgage-rates

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.

05/15/2026

https://www.mortgagenewsdaily.com/markets/mbs-morning-05152026

Far too many market participants were apparently hoping that some sort of positive news on the war would be somehow facilitated by the Trump/Xi summit over the past 2 days. But talks wrapped up in the overnight session with little to show for it. There was actually very little notable discussion abo...

05/15/2026

Ready to start house hunting? Hold that phone before calling a Realtor!

Getting pre-approved for a mortgage is your absolute first step. Here is why buying a home without a pre-approval letter is like shopping with a blindfold on.
Know Your Budget: Stop wasting time looking at $500k homes if your true buying power is $400k.Show You Are Serious: Sellers and agents prioritize buyers who already have financial backing.
Gain Negotiation Power: A pre-approval letter proves you can close the deal, making your offer stand out.
Spot Credit Issues Early: Fix hidden errors on your credit report before you find your dream home.
Move Lightning Fast: In hot markets, you cannot wait days for a bank letter when making an offer.
Do not risk heartbreak by falling in love with a home you cannot buy.
Get your financial green light first, then find your perfect agent!
Contact me to start your pre-approval today.

05/13/2026

Renting vs. Buying: This is always a topic that comes up. Which is right for you?
Choosing where to live is a huge financial milestone. Neither option is universally better. It all depends on your personal budget, lifestyle, and long-term career goals. Here is the quick breakdown to help you decide:

Renting: Flexibility & Predictability Fixed Costs: You pay the same rent amount every single month.
Zero Maintenance: The landlord fixes broken appliances and leaky roofs.
Easy Moving: You can relocate easily when your lease ends.
No Equity: Your monthly payments do not build personal wealth.

Buying: Stability & Wealth Building. Build Equity: Each mortgage payment increases your ownership stake.
Total Control: You can renovate, paint, and customize everything.
Tax Benefits: You may qualify for mortgage interest deductions.
Variable Costs: You must pay for unexpected repairs and property taxes.

The Bottom Line:
Rent if: You plan to move within 3 years or want predictable monthly expenses.
Buy if: You want to stay long-term, build wealth, and customize your space.
Which path are you leaning toward right now?
Let us know in the comments!

05/03/2026

Is the Arizona market finally cooling off?
The headlines might sound scary, but here’s the boots-on-the-ground reality for May 2026: We are officially in a market of opportunity.
While the frantic bidding wars of the past are gone, Arizona’s market is stabilizing in a way that actually favors you.
Here’s the breakdown:
Inventory is Up: In Phoenix alone, we’ve seen a 20% jump in available homes compared to last year. More choices = less stress.
Negotiation is Back: Over 65% of homes are selling below list price right now. Seller concessions (like closing cost credits!) are back on the table.
Home Values are Steady: Despite the shift, AZ is still a powerhouse for semiconductor and tech growth, keeping long-term demand high.

The Bottom Line: You don’t need to "marry the rate," but you should definitely "date the house" while you have the leverage to negotiate a great deal.
The Arizona "Gold Rush" has turned into a "Balanced Market." If you’ve been waiting on the sidelines for the chaos to end, your window of opportunity is wide open. Let’s get you pre-approved before the summer rush!
NMLS 2670892

04/27/2026

Monday is for fresh starts. Whether you’re dreaming of a bigger backyard for the kids or finally ditching the "rent trap," the first step isn't browsing Zillow—it's getting your pre-approval locked in. Knowing your buying power is the ultimate confidence booster.

Link in bio to start your 10-minute digital application. Let’s get you home!

04/23/2026

Don’t take chances with your personal information. Let me do the shopping for you.
NMLS 2670892
Equal housing lender