Arizona Mortgage

Debt-To-Income Ratio – Part 4

June 25, 2015

On this episode of Arizona Mortgage News: Insider Update, Mike Goblet, of United Mortgage and Financial Group discusses DTI.  DTI is Debt-to-Income Ratio. It has to do with how much money you make versus what your bills are. Pre‑mortgage meltdown, people used to be able to do things like just stated income.  Unfortunately, with the […]

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The Impact of your Credit Scores – Part 1

May 28, 2015

The first of a 10 part series on what you need to know about mortgages. Today, Mike Goblet talks about the impact your credit score has on qualifying for a mortgage.  Banks use your credit score as the first determination of risk you pose to them of defaulting.  It becomes the foundation for the whole […]

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New Changes in Guidelines if you have had a recent Short Sale

September 24, 2014

In August of 2014 this year, Fannie May changed their guidelines. For homeowners who have had a short sale, in the past, the guidelines made homeowners wait two years if the were putting down 20 percent and four years if you were putting down 10 percent.  However, this August, the guideline has now been changed to […]

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Why Don’t Banks let you choose your own rate?

July 8, 2014

Wouldn’t it be nice to choose your own rate?  Well, you can.  In this edition of Arizona Mortgage News, local expert Mike Goblet of United Mortgage and Financial Group discusses what banks provide you during the mortgage process and why being armed with information prior to getting a mortgage can save your thousands of dollars. […]

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Forecasting 2014 Mortgage Rates

February 13, 2014

In the last edition of Arizona Mortgage News, local expert Mike Goblet of United Mortgage and Financial Group covered the changes in qualified mortgages.  Today he addresses, among other things, what will happen to rates in 2014. The short answer: rates are going to go up. In this video, Mike will shed light on why, […]

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Changes for Mortgages in 2014

February 7, 2014

With “a lot of exciting changes going on in the mortgage industry,” local expert Mike Goblet of United Mortgage and Financial Group discusses what to expect in 2014 in this edition of Arizona Mortgage News. From qualified mortgages resulting from the Dodd‑Frank Bill of 2010 and who will be affected, to loan level adjustments, rate […]

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Are Closing Costs Really Going Up

August 22, 2013

In this video, Mike Goblet from United Mortgage Financial Group sets the record straight about closing costs. Matt OBrien:  Welcome back to another segment of Arizona Mortgage News, insider update. We have our local expert, Mike Goblet, of United Mortgage and Financial Group. Today, we’re going to talk a little bit about what’s going on […]

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What Rising Mortgage Rates Means to You

July 23, 2013

Matt O’Brien:  …news. We are here with our local expert, Mike Goblet, of United Mortgage and Financial Group. Today, we’re going to talk a little bit about what’s going on in the mortgage rate industry. Unfortunately, rates are up, but that doesn’t mean bad news. Essentially, it means that Mike is going to enlighten us […]

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Looking Back And Looking Ahead : November 10, 2008

November 10, 2008

Mortgage rates fell last week, marking just the second time since September that rates improved on a weekly basis. The biggest news of the week was the U.S. Presidential Election. Markets appeared to cheer the Republican-to-Democrat transfer of power, posting large gains Tuesday, Wednesday and Thursday. This in spite of a spate of negative economic […]

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