PMI Explained: How Mortgage Insurance Works in Arizona
PMI, or private mortgage insurance, is a monthly cost added to your mortgage payment when you put down less than […]
Mortgage Basics
Mortgage Basics
Arizona Closing Costs: What Buyers Actually Pay
Closing costs in Arizona usually run about 2% to 5% of the purchase price, and you pay them on top
Phoenix Buyer’s Market 2026
Video Summary Todd explains: The big shift: Inventory up 15-20%, demand-to-supply index at 80 (buyer territory) What it means: Homes
TSMC Changing Phoenix Home Prices
Video Summary Todd breaks down: TSMC reality: What the $20B facility means for Phoenix’s job market Salaries: What chip engineers
What Phoenix Buyers Want 2026
Video Summary Todd covers: The shift: What home features matter in 2026 vs. 2022 Energy efficiency: Why Arizona buyers care
You Don’t Need 20% Down
Video Summary Todd explains: The 20% myth: Why you don’t need it and never did FHA loans: 3.5% down, easier
Real Cost of a Phoenix Fixer-Upper
Video Summary Todd breaks down: The fixer myth: Why it’s almost never worth it in today’s market Hidden costs: Permits,
Should You Lock at 6.71%? Mortgage Rate Decisions for Arizona Buyers
Video Summary In this 4-minute video, Todd Uzzell breaks down: Current mortgage rates: What 6.71% means for Arizona buyers Lock
Mortgage Points Arizona 2026 | Should You Buy Down Your Rate
Arizona Mortgage Guide 2026 · Todd Uzzell NMLS #1525192 Mortgage Points — Should You Buy Down Your Rate in Arizona? Everything Arizona buyers and homeowners need to know — with current 2026 numbers and expert guidance from a licensed Arizona mortgage lender with 20+ years of experience. At a Glance Factor Value Details Cost per point 1% of loan amount On $400K loan = $4,000 Rate reduction per point ~0.25% Varies by lender/market Monthly savings (400K loan) ~$60/month per point At 0.25% rate drop Break-even period ~67 months (5.6 years) $4,000 / $60 = 66.7 months Best for Long-term owners […]
How Long Does It Take to Buy a House in Arizona? 2026
Arizona Mortgage Guide 2026 · Todd Uzzell NMLS #1525192 How Long Does It Take to Buy a House in Arizona? Everything Arizona buyers and homeowners need to know — with current 2026 numbers and expert guidance from a licensed Arizona mortgage lender with 20+ years of experience. At a Glance Phase Timeline Details Pre-Approval Day 1 24-hour turnaround with Todd Home Search Days 1-30+ Depends on inventory and price range Under Contract – Inspections Days 1-10 Arizona’s 10-day inspection period Appraisal Days 7-14 Ordered after inspection period Underwriting Days 10-25 Conditional approval, then clear to close Closing Day Day 30-45 […]