What a wild couple weeks of weather it has been. I hope you made it through the storms ok and without any damage or roof leaks at your house. If you need a good roofer, let me know.

Now that the hurricanes have passed, it looks like summer temps maybe in the past as well.

In this month’s newsletter:

Los Piños - Authentic Sinaloan Breakfast in Avondale

If you haven’t been to Los Piños yet, you’re missing out on one of Avondale’s best hidden gems. Located on 108th Dr. and Lower Buckeye, this authentic Sinaloan-style breakfast spot is open Thursday through Sunday from 8:00 AM to 12:30 PM, and trust me, it’s worth making time for.

Owners María Hernandez and her husband have done an incredible job creating a warm, outdoor venue that feels both inviting and authentically Mexican. The food? Absolutely amazing. They start you off with coffee or café de olla — a traditional Mexican-style coffee brewed with cinnamon and piloncillo, and it sets the perfect tone for the meal.

On my plate was machaca, frijoles puercos, calabacitas, queso, an egg, and a corn tamale, everything cooked perfectly and full of flavor. My friends who go there often swear by the birria and enchiladas, so those are definitely on my list for next time.

Los Piños also has a pancake breakfast for the kids and a fun playground area, making it a great family spot. The service was amazing, the staff was friendly, and everything was spotless.

I’ll definitely be back, and if you’re looking for a new local breakfast spot with real Mexican flavor and great people, Los Piños is the place to go.

Thank you to everyone who came out for tacos!

I had an amazing time at my Taco Party on September 23rd, there was an amazing crowd who came to have tacos with me. I am super grateful to everyone who made the trip on a weekday, thank you for helping me support a small business in Calitacos.

If you missed out, you missed out!! The tacos were so good…

I'm very excited to be celebrating with Manny and Valeria! They’ve proven, despite the news, homeownership is absolutely attainable!

We helped them secure an excellent interest rate, utilizing our buy down program, and having their closing costs fully covered by the seller. Their new home in the Valley is the perfect place to welcome their baby boy.

Mortgage rates saw their biggest day-over-day decline of the past several weeks in response to unexpected news regarding additional tariffs on China. Trump had previously been scheduled to meet with China's President Xi in 2 weeks, but today said there was no reason to do so and that the administration is currently calculating a massive increase in Chinese tariffs. 

Stocks and bonds immediately responded with the former moving lower and bonds rallying.  When bonds rally, interest rates move lower, all else equal. Mortgage lenders use mortgage-backed securities (MBS) to determine what rates they can offer.  When bonds move enough during the course of a day, mortgage lenders can reissue higher/lower mortgage rates.  Today's big mid-day rally is resulting in fairly widespread improvements.

The net effect is an average 30yr fixed rate that is now as low as it's been since the September 17th Fed meeting. For context, today's rates are only a hair lower than they were on October 3rd.

Find out what your rate would be in today’s market. Text me at (602) 705-9835

What about the market in Phoenix metro? Let’s look at some data from September 2025.

I think the Phoenix market data is a better indication of what is really happening in the market. Things are very balanced and not much is happening in regards to prices, going up or down.

Buyers and Sellers are in a bit of a staring contest. Seems everyone is waiting for rates to come down, buyers want lower rates and monthly payments, sellers are holding on to the believe prices will go up once rates drop.

This month, I want to highlight a trusted partner and great friend, Paul Hershenberg with HS Insurance Services. I’ve known Paul since 2006, and over the years he’s become not only a trusted advisor but also a true friend. He’s my go-to resource for financial planning, life insurance, and employee benefits.

Located right here in Arizona, HS Insurance Services is recognized as one of the top employee benefits companies in the state. Paul and his team are experts at helping clients invest wisely, protect their assets, and plan for the future. They also specialize in health insurance and have helped countless business owners design strong, competitive benefits packages for their employees, not just in Arizona, but across the nation.

Whether you’re looking to grow your investments or strengthen your company’s benefits program, you’ll be in great hands with Paul and his incredible team at HS Insurance Services.

Learn more at HSinsuranceservices.com

This house is off the charts in a lot of ways, and that is before you find out it has a NUCLEAR SAFE ROOM 😲

Also, you know a house is something special when it has its own name…

Welcome to Elysium, Scottsdale's most groundbreaking estate, redefining luxury living with features never before offered under $20M. Spanning 8,587 sq ft throughout the main house & guest house, Elysium offers 7 bedrooms (9 including the smart-glass cube and cinema) and 8 baths, crafted for those who prize privacy, precision, and presence. The guest house is a private retreat of its own, with 2 bedrooms, 2 bathrooms, a full kitchen, laundry room, and an RV garage—perfect for extended family or long-term guests. Outdoors, a 2,855 sq ft custom black diamond-finish pool sets the stage with an underwater backlit onyx firepit, infinity-edge spa, and Baja shelf. Host at scale with a one-of-a-kind outdoor restaurant serving 20 via swim-up dining, then screen under the stars in the outdoor theater for 100+ guests.

Inside, walls dissolve at the touch of a button: 2,100 sq ft of electronic smart glass across 55 sliding panelsthe largest residential installation in the Valleyshifts from open transparency to instant privacy. Culinary credentials include three professional kitchens, headlined by the Gaggenau Vario 400 main kitchen. Materials and millwork are uncompromising: bedrooms carved in stone and wood, pivot doors throughout, custom closets, refined fixtures, and a statement Brazilian Cristallo quartzite fireplace in the main living room that changes color. The entire estate is a Savant automated smart home, with lighting, AV, smart glass, and climate all automated and controlled seamlessly.

For the collector and competitor: two private car galleries and an air-conditioned showroom with vertical parking for up to 14 cars (with all lifts installed) deliver museum-quality presentation, while a luxury glass-enclosed sports court elevates daily play. A Dolby ATMOS 4K cinema anchors the entertainment wing.

Security here is architecture: compound-grade systems with 32 casino-grade AI cameras, automation with invisible laser trip wires across the exterior detecting fence jumps, gate openings, or driveway approach, motion sensors in every room and 1" thick laminated security triple sheet double pane glass throughout. The entry deploys a 2+ inch steel-and-glass pivot door with 13 deadbolts. At the core, a military-grade nuclear/biological/chemical safe roomengineered to U.S. Army Corps of Engineers protocolsfeatures 8" reinforced concrete, a 50,000-psi-rated bunker door, and a pressurized air system. (The space is pre-designed to be configured as a discreet server/cold-storage command center if desired.)

The grounds complete the sanctuary: 250+ specimen plants and 20 exotic mature palms form a security garden that screens the estate in lush privacy.

Elysium is not simply a homeit's a private world. For the buyer who values absolute security, rare craftsmanship, and the ability to entertain at any scale, nothing else in Arizona compares. Luxury home staging and furnishings by Vesta Home. All furniture available for purchase with the property.

This house is bonkers, you need to see the pics. Check out all the details here.

Property listed by Ari Jakobov with eXp Realty

RV garages are cool, this one is even cooler because it has air conditioning!! The inside of the house is pretty nice too.

See all of the pics & details here.

Listed by Tony Newport with Real Broker

Fall is here, and that means pumpkin patch events are in full swing. One of my agent partners put together a list of local events in the Valley & across Arizona. (link)

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