Raquel Wilson Jones

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Tempe, AZ
Raquel Wilson Jones

Raquel Wilson - Senior Mortgage Loan Originator - NMLS 887732 Forward Loans is an Equal Housing Lender

Raquel Wilson - Mortgage Loan Originator - NMLS #887732
Forward Loans License MB-1012025 (www.nmlsconsumeraccess.org)
Equal Housing Lender

10/28/2026

Still taking this in

This week I received the 2026 Change Agents of Arizona award, and I'm the first loan officer to receive it.

This one belongs to the men and women at the Phoenix Second Chance Center. Since 2019, I've taught financial literacy to people in their final 90 days before coming home.

And these two. Michael and Jeff are wonderful human beings and the kindest gentlemen. One year in at Forward Loans, and they have encouraged me every step of the way. I'm so happy to be part of this group.

NMLS #887732 | Forward Loans NMLS #2006640

10/27/2026

Some tax rules sound too good to be true, but they're real.

This video walks through 5 deductions that surprise a lot of people, from renting your home to your corporation to hiring your kids for real work in your business.

Here is why this matters: knowing what's allowed helps you ask better questions.

Every situation is different, so check the details with a tax professional before you act on any of these.

Save this for your next tax planning chat, or share it with a business owner you know

10/26/2026

Trump's new mortgage order, read in plain English. It sets up a pilot to remove mortgage insurance sooner on future Fannie Mae and Freddie Mac loans, would make a title insurance pilot for refinances permanent, and lowers rates on VA and USDA direct loans. Nothing in it changes your current loan today. If you pay mortgage insurance now, ask your servicer what it takes to remove it.

Based on the White House fact sheet and published summaries of the October 2026 executive order. Details depend on how each agency carries it out.

Comment your loan type and I will tell you which part touches your loan.

NMLS #887732 | Forward Loans NMLS #2006640

10/25/2026

She's claimed the pool as hers 🐾💦

If a backyard pool is on your wish list, let's look at what your budget covers before you start touring. Link in bio to grab a time with me.

NMLS #887732 | Forward Loans NMLS #2006640

10/24/2026

Mortgage rates eased a little this week.

The 30 year fixed averaged 7.32%, down from 7.40%. The 15 year fixed slipped to 6.68%. That's still higher than the 6.19% we saw a year ago, but every small drop helps your monthly payment.

You also have options to lower your rate further. Seller credits (money the seller puts toward your closing costs) can buy down your rate for the life of the loan. A 2/1 buydown lowers it for your first two years. An ARM (adjustable rate mortgage) starts lower too.

Buying or refinancing? Call me at (602) 561-0135 and I'll run your numbers.

Source: Freddie Mac PMMS, October 22, 2026

NMLS #887732 | Forward Loans NMLS #2006640

10/23/2026

Renting can be a smart move for a season.

The question is what happens to your biggest expense over the next 30 years.

With a fixed rate mortgage, your principal and interest stay the same. With rent, the landlord sets the number each year.

Save this for when you’re weighing your options.

NMLS #887732 | Forward Loans NMLS #2006640

10/22/2026

Write offs can lower the income a lender is allowed to count. A bank statement loan calculates income from deposits instead. It costs more, so I show both options side by side before you choose.

NMLS #887732 | Forward Loans NMLS #2006640

10/21/2026

Adjustable rate mortgages are back, and they are built differently than the ones from 2008.

Today’s ARMs pay down your balance, with no balloon payment and no prepayment penalty. The low rate only lasts a few years, so it helps to know what comes after.

Two questions to ask your lender: Ask how often the rate adjusts. On an FHA ARM, it can only adjust once a year after the fixed period. Ask what the caps are, for each adjustment and over the life of the loan.

An ARM can be a good fit if you expect to sell or refinance within several years. It’s worth seeing the full picture first.

Save this for when you start comparing loans.

NMLS #887732 | Forward Loans NMLS #2006640

10/20/2026

Here is $100,000 in stocks next to $100,000 in real estate over 5 years.

We used 8% a year for stock and 4% a year in appreciation for a $500,000 home bought with 20% down.

Stock gain: 46.933%Real estate gain: 108.326%

These are simple assumptions, and your own numbers will differ.

Save this for when you’re comparing options.

NMLS #887732 | Forward Loans NMLS #2006640

10/19/2026

Lenders can add their own rules on top of FHA and conventional guidelines. That is why one file can get two answers. I read your denial the way an underwriter wrote it, then match you to a lender whose rules fit.

NMLS #887732 | Forward Loans NMLS #2006640

Address

Tempe, AZ
85284

Website

http://linktr.ee/rwilson2025, https://forward.loans/loan-officer/raquel-wilson/

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