Level Up Mortgage LLC

Level Up Mortgage LLC Company NMLS #2425139, AZMB #1042386
https://levelupmortgage.net/privacy-policy/
https://www.nmlsconsumeraccess.org/

Level Up Mortgage LLC is a mortgage brokerage that strives to provide the best combination of service, rates and fees. NMLS: 2425139
AZMB: 1042386
Equal Housing Opportunity

It's been a little over six months since my dad passed away.There isn't a day that goes by that I don't think about some...
06/03/2026

It's been a little over six months since my dad passed away.

There isn't a day that goes by that I don't think about something he taught me.

Some lessons came from conversations.

Most came from watching how he lived.

He taught me that hard work matters.
That family comes first.
That it's never too late to change.
That curiosity keeps you young.
And that a positive attitude can carry you through almost anything.

Looking back, I realize he was teaching me long before I knew I was learning.

These are five of the lessons I still carry with me every day.

Thanks, Dad. ❤️

What's one lesson someone important in your life taught you that you'll never forget?

Most people think a high income automatically leads to wealth.It doesn't.I've met people making six figures who are stre...
06/03/2026

Most people think a high income automatically leads to wealth.

It doesn't.

I've met people making six figures who are stressed about money every month.

And I've met people earning far less who are quietly building real wealth.

The difference usually isn't income.

It's behavior.

Lifestyle inflation, consumer debt, and trying to look wealthy can quietly sabotage even the biggest paychecks.

Wealth isn't built by what you make.

It's built by what you keep, invest, and allow to grow over time.

The goal isn't to impress people.

The goal is financial freedom.

What's one financial habit that has helped you build wealth?

👇 Share it below.

Congratulations to these awesome buyers on their new home! 🎉🏡They knew they wanted a little more space, stayed patient t...
06/02/2026

Congratulations to these awesome buyers on their new home! 🎉🏡

They knew they wanted a little more space, stayed patient throughout the process, and ultimately found the perfect home for this next chapter of their lives.

One of the hardest parts of buying a home is trusting the process when the right house hasn't shown up yet. They did exactly that and it paid off.

It was an honor to help guide them along the way, and I can't wait to see all the memories they'll make in their new home.

Thinking about buying a home in the next 90 days?

Comment GUIDE or send me a DM and I'll send you my FREE 90-Day Homeownership Guide to help you prepare with confidence.

One of the most surprising parts of my job?How many people assume they can't buy a home when they actually can.Every wee...
06/02/2026

One of the most surprising parts of my job?

How many people assume they can't buy a home when they actually can.

Every week I talk to people who tell me:

❌ "I need 20% down."
❌ "My credit isn't good enough."
❌ "I don't make enough money."
❌ "I should wait for rates to drop."
❌ "I'll never qualify."

The reality?

Many of those beliefs simply aren't true.

The biggest obstacle for a lot of buyers isn't their finances, it's misinformation.

That's why getting pre-approved is so important. It replaces assumptions with facts and helps you understand what options are actually available.

If you've been putting off a home purchase because you think you can't qualify, it might be worth having a conversation before making that decision for yourself.

Which one of these myths have you heard before?

👇 Let me know in the comments.

When I was younger, I thought wealth meant having more money.Now I think wealth is having more choices.It's being able t...
06/01/2026

When I was younger, I thought wealth meant having more money.

Now I think wealth is having more choices.

It's being able to spend time with family, take a vacation without stress, and make decisions based on what matters most, not just what you can afford.

The people who build lasting wealth usually do the boring things well:
✔ Live below their means
✔ Avoid unnecessary debt
✔ Invest consistently
✔ Play the long game

That's why I'm so passionate about homeownership and financial education. They're not just about buying a house, they're about creating more freedom for your future.

What's something you value more today than you did 10 years ago?

👇 Let me know in the comments.

One of the biggest surprises for buyers during the mortgage process?Not all income counts the same.A lender doesn’t just...
05/28/2026

One of the biggest surprises for buyers during the mortgage process?

Not all income counts the same.

A lender doesn’t just look at how much you make…

They look at:
✔️ How consistent it is
✔️ How long you’ve received it
✔️ Whether it’s likely to continue
✔️ How easy it is to document

That means:
💼 Salary income is viewed differently than commission
📈 Bonus income is viewed differently than overtime
🏡 Self-employment income is analyzed differently than W-2 income
💰 Side hustle income may count… or may not

And this is exactly why online calculators can be so misleading.

I’ve talked to people who thought they couldn’t qualify but could.

And others who assumed they were good to go because they had “high income,” only to realize the structure of that income mattered.

The good news?

There are often more options than people realize when you understand how the guidelines actually work.

That’s why having a strategy matters more than guessing.

If you’ve ever wondered how your income would be viewed for a mortgage, send me a message. I’m always happy to help you understand your options before you start house hunting 🏡

Most people don’t realize this…The biggest thing stopping people from buying a home usually isn’t income.It’s assumption...
05/27/2026

Most people don’t realize this…

The biggest thing stopping people from buying a home usually isn’t income.

It’s assumptions.

❌ “I need 20% down.”
❌ “My credit isn’t good enough.”
❌ “Rates need to come down first.”
❌ “I’ll do it next year.”

And then next year turns into three years.

The truth? More people qualify than they think.

That doesn’t mean buying now is right for everyone but it DOES mean understanding your options before deciding no for yourself.

I’ve had conversations with buyers who were shocked to learn:
🏡 They didn’t need as much down as they thought
🏡 Their credit wasn’t a deal breaker
🏡 There were programs they had never even heard of

You don’t need to know everything before reaching out.

You just need clarity.

If homeownership is somewhere on your future vision board… let’s talk through what that actually looks like.

DM me “HOME” and I’ll help you understand your options, zero pressure.

Save this carousel for later or send it to someone who keeps saying:
👉 “I’m probably not ready.”

Thinking about moving… but don’t want to sell your house first?You’re not alone.One of the most common things I’m hearin...
05/27/2026

Thinking about moving… but don’t want to sell your house first?

You’re not alone.

One of the most common things I’m hearing right now is:

👉 “We’d love to move… but we don’t want to sell and end up with nowhere to go.”

And honestly, that fear makes sense.

Most people think they only have two choices:

1️⃣ Sell first
2️⃣ Stay put

But that’s not always true.

Depending on your situation, there may be strategies that help you:
🏡 Buy before selling
💰 Unlock equity from your current home
📉 Lower your payment after your current home sells
⏳ Avoid feeling rushed during the transition

The right answer depends on income, equity, timing, goals, and overall financial picture…

…but what I’m seeing is this:

A lot of people aren’t stuck.

They just don’t know their options.

I broke down 3 strategies that buyers are using right now (including one that most people have never heard of).

Read the full newsletter at the link below 👇

https://www.linkedin.com/pulse/how-buyers-moving-without-selling-first-mike-hengy-cddkc/

One of the biggest misconceptions in homebuying is thinking there’s one “right” down payment.There isn’t.The best down p...
05/26/2026

One of the biggest misconceptions in homebuying is thinking there’s one “right” down payment.

There isn’t.

The best down payment is the one that supports your goals.

For some buyers that means:
0% down → preserving cash and flexibility

For some first-time buyers:
3% down → getting into the market sooner

For others:
5–10% down → balancing affordability and long-term plans

And sometimes:
20% down → reducing monthly costs and increasing flexibility

The point isn’t to force a percentage.

It’s to create a plan that fits your life.

Because draining savings to buy a house doesn’t automatically make someone financially stronger.

And waiting years to hit an arbitrary number doesn’t always create better outcomes either.

Smart homebuying is usually about balance.

Not perfection.

If you’ve been wondering what down payment actually makes sense for YOUR situation…

that conversation is usually easier than people think.



Another refinance completed and this one created over $300/month in savings.That’s more than $3,600 back into their annu...
05/25/2026

Another refinance completed and this one created over $300/month in savings.

That’s more than $3,600 back into their annual cash flow.

What I love about stories like this is that refinancing isn’t always about chasing the absolute lowest rate.

Sometimes it’s about creating a better financial situation.

More breathing room.
More flexibility.
More options.

Whether that means:

strengthening savings
investing more
reducing financial stress
or simply improving monthly cash flow

The best mortgage decisions are rarely just about the loan.

They’re about helping your money support the life you actually want to build.

If you’ve been wondering whether refinancing still makes sense in today’s market…

I put together a free Should I Refinance? Guide to help you think through the decision more strategically.

Download it here: https://levelupmortgage.net/should-i-refinance-my-mortgage/



Address

1847 E. Calle De Caballos
Tempe, AZ
85284

Telephone

+14803824661

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