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Category: Mortgage Basics

Mortgage Broker

Mortgage Broker vs. Lender: The Pros and Cons

Marshall Gottlieb

May 12, 2025

1 Comment

When buying a home or refinancing in Arizona, the choice between a mortgage broker vs. lender can affect your interest rate, fees, and closing experience. Both options can help you secure financing, but they work differently behind the scenes and

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home family room

Understanding Home Appraisals [A Complete Guide]

Marshall Gottlieb

April 29, 2025

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Learn why a home appraisal is important and how it works. Our comprehensive guide covers the appraisal process, guidelines, and typical costs. Discover how to get an accurate property valuation with our expert tips and advice.

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home loan underwriting

The Home Loan Underwriting Process: Step-by-Step Guide for 2025 Buyers

Marshall Gottlieb

April 29, 2025

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When you’re buying a home, underwriting is the critical middle step that bridges loan application and closing. It’s where lenders take a deep dive into your finances to decide if they can trust you with a mortgage. Understanding the home

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freddie mac rental income

Can You Use Rental Income to Qualify for a Mortgage?

Marshall Gottlieb

April 25, 2025

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Buying a home or investment property often raises the question: can rental income help you qualify for a mortgage? The answer is yes. In many cases lenders will count rental income toward your qualifying income, but how they count it

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How Are Closing Costs Calculated

How Are Closing Costs Calculated?

Marshall Gottlieb

September 6, 2021

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With the help of a great mortgage provider, purchasing a home in Arizona can be a gratifying experience. However, processing your loan also requires a lot of time and commitment from multiple third-party entities. That is why mortgages include closing

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Mortgage Rates. A % Sign and a House Cut Out

How Do Mortgage Rates Work?

Marshall Gottlieb

July 26, 2021

3 Comments

Most people don’t pay a whole lot of attention to the mortgage industry unless they have plans to purchase or refinance a home. Once you are in the market, though, you’ll quickly notice that mortgage rates and how they work

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A handshake during a mortgage closing.

Mortgage Broker vs Bank

Marshall Gottlieb and Kirsten Schmitt

May 25, 2021

6 Comments

What’s the difference between a mortgage broker vs a bank? It could mean the difference of thousands of dollars in fees and interest paid over the life of your loan. Choosing between a bank or mortgage broker is one of

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interest rate example with quarters

30 vs 15 Year Mortgage: Which is Better?

Marshall Gottlieb

February 18, 2021

4 Comments

The age old battle of the 30 vs 15 year mortgage and which is better. Choosing the right mortgage term (period of time) is one of the most important decisions to make during the refinance or home purchase process. Below

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    Agave Home Loan

    Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, Conventional, Jumbo, HELOC, Home Equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers in Arizona and more than 13 other states to refinance, access home equity, and purchase. Our team is committed to clear communication, fast closings, and personalized service every step of the way.

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