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Insights for the Journey Home

From Market Trends to Real Talk

The Mortgage Journal

Explore stories, updates, and perspective from the front lines of homebuying. Whether you are curious about rates, market shifts, or practical guidance, this is where we share what matters so you can move forward with confidence.

UNCATEGORIZED 03 min read

What Happens After You’re Pre-Approved for a Mortgage

Pre-Approval Is a Big Milestone Getting pre-approved for a mortgage is an exciting step—it means a lender has reviewed your…

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UNCATEGORIZED 03 min read

How to Prepare for Your First Consultation with a Mortgage Professional

Why the First Conversation Matters Your first consultation with a mortgage professional is an important step in the homebuying journey.…

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UNCATEGORIZED 03 min read

Holiday Safety Tips for a Safe and Stress-Free Season

Keep Your Home Safe During the Busiest Time of Year The holiday season is one of the most joyful —…

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UNCATEGORIZED 03 min read

Preparing Your Home for Winter: Essential Tips for Homeowners

Why Winter Preparation Matters As temperatures drop and the days grow shorter, preparing your home for winter becomes one of…

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UNCATEGORIZED 03 min read

Understanding the Cost of Waiting to Buy a Home

Waiting Can Feel Safe—But It Often Comes at a Cost For many potential homebuyers, it can feel tempting to “wait…

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UNCATEGORIZED 03 min read

How to Know When It’s the Right Time to Refinance

Refinancing Is About More Than Just Rates Many homeowners think refinancing is only worthwhile when rates drop—but timing a refinance…

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UNCATEGORIZED 03 min read

Why Waiting for the “Perfect Rate” to Refinance Might Cost You More

Timing the Market Isn’t Always the Best Strategy When it comes to refinancing, many homeowners want to wait for the…

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UNCATEGORIZED 03 min read

Why Buying Local Helps Everyone Thrive

Community Starts with Connection When you own a home, you become part of something bigger than your property—you become part…

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FIRST TIME HOME BUYER 02 min read

Two major items home buyers need to think about before contacting a realtor.

Many people find it useful to have a checklist and on any good checklist these 2 items should be the…

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FIRST TIME HOME BUYER 02 min read

How to pick the right real estate agent

In our last post we talked about the pre-approval and how the two most important items that any potential home…

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  • Jan 6, 2026
    What Happens After You’re Pre-Approved for…
  • Dec 17, 2025
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2701 East Insight Way,
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Chandler, AZ 85286

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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

Shawn Reece Lloyd | NMLS #1031382 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | ID 2080181106 | TN 204577 | WA MB-181106 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106