Happy holidays, friends! I hope this season finds you slowing down a bit, spending time with the people who matter most, and maybe enjoying some great food along the way. I’m incredibly thankful for this community and for the relationships that make what I do so meaningful.

From my family to yours have a Merry Christmas.

In this month’s newsletter:

~ If you’re looking to attend a Christmas Eve service this year, I’d like to extend an invitation to join the services at the church I attend, Camelback Community Church

Come check out one of our Christmas Eve services taking place in Glendale where you are sure to find a warm and welcoming environment and can celebrate the greatest moment in history – Christmas.

~ Looking to get out and experience some holiday cheer this month? My friends at Everything Arrowhead have put together a list of all the best holiday events happening in the NW Valley & across the rest of Phoenix Metro.

~ They also put together their 4th Annual Arrowhead Holiday Lights Map, with all of the best Christmas lights in the Arrowhead Ranch are.

See the map & info at ArrowheadHolidayLightsMap.com

Guys, I'm really excited I met another Tamale Lady here on Facebook! This is Sandra Banda with Sandy's Tamales in Tolleson and she delivers when you order 3 dozen or more, which is pretty awesome. Her tamales are so good, I can't wait to share them.

Text Sandy at 602-545-4308, tell her Aaron sent you 🙂 If you order three dozen or more she will deliver.

Let's put the social back in social media!

Sometimes I wish loans and real estate were like those Hallmark movies you see around Christmas time.

Everything would be perfect and predictable. There would be no uncertainty. You'd know there is always a happy ending. The homebuyer would have an 800 credit score. They’re moving from a big city to a charming small town. The home is vacant and there are no issues with moving deadlines. The buyer has plenty of savings, almost zero debt, and they're working in a high paying job that they love. The house is in perfect condition (and the inspection is so flawless the home inspector is finished in just 20 minutes). The realtor calls me a few days before closing not panicked or angry....but simply to tell me he appreciates my hard work and loves my haircut. The underwriters rents one of those planes that spell messages in the sky with white smoke. The message they spell out above our office in the morning sky says CLEAR TO CLOSE AARON, WE LOVE YOU. As the plane flies away, a beautiful gift wrapped box parachutes down to Earth and lands on my doorstep. I open it up, and it's a platter of fresh tacos. They're still warm! Wow, the underwriters really love me. We close in less than a week and everyone is happy. The Arizona Cardinals win the Super Bowl.

Like Hallmark movies, this is completely unrealistic. Random things almost always go wrong. That's why you need an EXPERT loan officer to guide you through the process.

That's me 🙂

Say it ain't so
I will not go
Turn the lights off
Refinancing loans 🎸🎵

Late night, come home
Low rates, I know
She left her loan app by the stairs
Referrals let me know she cares 🎵

If you have been in your house for a few years, or even longer, it may be time for a mortgage check up. It is easy to get in the routine of making the payment each month, and the years pass by.

Things change, rates go up and down as do home values. Like changing the batteries in your smoke detectors, knowing where you stand with your mortgage, rate & equity is a regular home maintenance item.

Mortgage Checkup Benefits

Reply to this email, and we can get to work on your check up!

Let’s have a look at what happened in the Phoenix market in November.

Activity here in the greater Phoenix market remains relatively flat. Prices are down slightly, but nothing to be concerned about from just a one month snapshot.

There has been lots of talk online of a ‘buyer’s market’ however, the number of homes for sale has been pretty consistent around 3-3.5 months of inventory available for sale. Yes, the number of homes for sale is up from where it was a few years ago, but what we have today is still below historical norms. If the inventory starts getting closer to 5 months, then we can start to think about calling it a ‘sellers market.’

What does all that mean for a buyer in today’s market? You likely won’t see a big discount, but many buyers are able to negotiate favorable deals, which may include credits from sellers which can be used towards ‘buying down your rate’ which means you’ll have a lower interest rate and a lower monthly payment.

This ones a good one! Jonathon just picked up an awesome property with a casita, here in Central Phoenix... however he told me he's almost more excited about the Ninja Foodi cooker.🤣 This is his 3rd home with us and I'm so grateful for repeat clients and relationships like this. Congrats, my friend!

Shout out to his real estate agent Shane Saunders for helping him sell a property and negotiating a great deal on this beautiful property.

PS. If you're thinking about buying a home but not sure where to start call me, AA the Loan Ninja! 🤣

Helped my guy Tyler with a quick and easy VA refi and now he’s skipping a whole mortgage payment. Lower payment AND extra Christmas money.

How's that for a Christmas bonus?

Thankful for our Veterans, y’all deserve every blessing. 🇺🇸🙌

Since my daughter Emma is in town, I had to stop by Dos Chris Bakery here in PHX, their cupcakes are next level! My favorite one is their strawberries and cream, I also picked up some of their flavors of the week, so good! Dos Chris' Bakery & Charcuterie Co., LLC

Flavors of the week

Speaking of hobby garages…this cool house has room for up to 30 cars and allows you to see the contents of your garage, from inside the house!!! Oh and that garage just happens to have a sweet bar set up.

It's FINALLY here! The ultimate garage home! One Bedroom and 3 Garage Buildings (over 6,000sf of garages) to display over 30 cars without lifts. This home, sitting on over 6 total acres, is just 4 minutes from downtown Cave Creek and your horses are welcome too. You'll have everything that you need and the space to put everything that you want! Just add a car collection and some friends. The home is simple and classy, with a huge window looking at your toys in the garage. The main garage has a warm bar / social area with TV and large back bar for servicing your garage events. Garage #2 is wide open and tall if you want lifts. It has a room for parts and tools to keep your space tidy. Garage #3 is the working garage, for dirty jobs and heavy equipment. This home is discreet and secure.

Check out all the details here.

Do you have hobbies that require a lot of room, and you’d rather spend your money on the hobby, instead of a place to house your hobby? This house in Peoria has a 2 car on a cul-de-sac lot that indcludes a free-standing 3 car garage / workshop.

This unique Peoria home offers incredible space, versatility, and comfort, perfect for anyone seeking both functionality and charm. Situated on a large corner lot in a quiet cul-de-sac, this property boasts a build-out that adds approximately 600 sq. ft. of additional living space, giving you plenty of room to spread out and enjoy. The backyard is a true highlight, featuring not one, but two additional two-car garage shops—each equipped with its own AC window unit to keep you cool and comfortable during Arizona's warm summers. Whether you need extra storage, a workshop, or a creative studio, these spaces offer endless possibilities. With its prime location, ample upgrades, and rare features, this property is a must-see for buyers looking for a home that stands out from the rest.

See all the details here.

Thinking about your next home? Reach out, I’d love to chat with you about what may be possible to help get you in your dream home. There are some good options for refinancing your current mortgage too.

You can call or text me on my personal cell at (602) 705-9835 or reply to this email.

Here’s all the boring stuff I'm legally required to share: West American Mortgage NMLS #304208