Mortgage Basics

  Arizona Mortgage Guide 2026 · Todd Uzzell NMLS #1525192 Fixed vs. Adjustable Rate Mortgage Arizona 2026 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 Fixed Rate Adjustable Rate (ARM) Interest rate Locked for full term Fixed initially, then adjusts annually Payment certainty Never changes Can increase or decrease Initial rate Typically higher Typically 0.5-1% lower Best when rates Low — lock them in High — expecting future drops Risk None — predictable Payment risk if rates rise […]

  Arizona Mortgage Guide 2026 · Todd Uzzell NMLS #1525192 30-Year vs. 15-Year Mortgage Arizona 2026 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 30-Year Fixed 15-Year Fixed Interest Rate (est.) 6.75% 6.25% Monthly P&I (380K loan) $2,465 $3,258 Monthly difference — +$793/mo Total interest paid ~$507,000 ~$206,000 Interest savings — ~$301,000 Payoff (if age 30 now) Age 60 Age 45 Equity at year 10 ~$97,000 ~$208,000 Frequently Asked Questions Is a 15-year mortgage better than a 30-year […]