You probably see me on Facebook with my posts about tacos and amazing local businesses. It seems everyone has a newsletter these days, so here is mine!

I’m hoping to keep it different and fun while sharing my experience as a lender and taco junkie 😎 🌮

🌮 Valley taco lovers, listen up! 🌮

One of my go-to spots, Calitacos AZ, is seriously the BEST. Their pastor tacos are and everything tastes so fresh. I also recommend their carne asada fries and the Cali Burrito.

But can we talk about their deal?! 3 tacos, rice, beans, and a drink for only $7.99?! You can't beat it! *** Pro Tip ask for a side of grilled onions *** And guess what?! They just opened a NEW location in Glendale, off 75th Ave and Bethany Home Rd!

The coolest part? They have a DRIVE-THRU! Seriously, if you're in the area, you HAVE to check them out. You won't be disappointed!

I’m always on the lookout for great tacos, do you have a favorite spot I need to check out? I’d love to hear where you get tacos, reply to this email and give me the hook up.

Congratulations to my friends Frank and Joy. They found the perfect home and we got their loan approved, docs signed & keys in their hand in less than a month.

I've been able to get to know Frank and Joy cause we both attend Camelback Community Church and they're just a really sweet couple.

Are you in a hurry to get into your next home? We can help, and fast!!!

📌 Credit scores.

Fortunately or unfortunately, they are the first cut for deciding whether or not you will get a mortgage.

Obviously, your income has to line up with your mortgage payment, but without acceptable credit scores, you won’t get a loan! ⚠️

Most lenders use your middle score. Each of the three credit bureaus has its own scoring system and therefore, you have 3 separate credit scores. Lenders will throw out the highest and lowest and use the middle one. This score really needs to be a 580 at the minimum. 🗂️

So, how do you know what your credit scores are? I personally use Credit Sesame and Credit Karma. 📱

These are considered “educational” scores and will not line up exactly with a “mortgage” score, but I have found that they both rise and fall consistently.

For example, if a lender pulls a 580 and your Credit Karma shows a 620, you need a 40-point increase. Most of the time, when your Credit Karma score gets to 660, the lender will also get very close to that same increase.

I get this question all the time, how’s the market? Well, let’s look at some data.

What does it mean though? Prices continue to remain flat as we head into one of the busier times of year. You may be seeing articles online or in the news about more homes coming on the market ‘and no buyers to buy them.’ This is simply not true.

Yes, more homes are on the market, there are currently 28% more homes for sale than in January of 2025. The number of homes under contract to purchase has more than double since January as well.

For now the increase in the number of homes for sale is equating to more homes to see and choose from. The increase in supply and demand, have not impacted home prices thus far.

I wanted to shine a light on a fantastic local business that can help you declutter and tidy up your space: Junk Life LLC!

Junk Life is owned and operated by my friend Bobby, and they're all about providing honest, reliable, and affordable junk removal services. Whether you need to get rid of old furniture, appliances (like refrigerators, washers, and dryers), or tackle a full garage or storage cleanout, Junk Life has you covered. They also handle yard debris andclutter, and they're even equipped to help with more challenging situations like hoarding.

They also offer a variety of small maintenance services to help with those little home projects. Think light switch and outlet replacements, ceiling fan installations, TV mounting, light fixture updates, small painting jobs, and general yard maintenance.

Bobby prides himself on providing professional, prompt service and making life easier for their clients, one job at a time.

If you need to reclaim your space or get some help with those odd jobs around the house, give them a call at (602) 731 – 4848. You can also check them out on Instagram: @junklife.llc

Is Buckeye becoming the place to be? This amazing house on 1.3 acres is almost new and feels like it would cost much more in other parts of the Valley.

See all the pics & info here. What would you build in that backyard?

I’m an action figure!! Have you seen this trend going around social media? I had to give it a try, do you think they got it right?🤣

Are you on Instagram? Check out my profile, send me a DM and I’ll follow you.

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.