Arizona Real Estate – American Pacific Mortgage

20Jan 2026 by Kyle Wright No Comments

Can You Get a Mortgage with a Recent Job Change in Arizona?

Arizona Real Estate, Buying a home in Arizona, Homebuyers

Yes, you can get a mortgage with a recent job change in Arizona. While lenders prefer two years of employment history, a job change doesn’t automatically disqualify you. What matters most is whether you stayed in the same field, maintained or increased your income, and can properly document your employment. Some job changes strengthen your application, while others require waiting periods. Your Job Change Doesn’t Have to Delay Your Home Purchase You’ve just landed a great new job in Arizona, and you’re ready to buy your first home or upgrade to something better. Then doubt creeps in: “Will lenders reject me because I just changed jobs?” We hear this concern almost daily at our Chandler office. The good news? A job change doesn’t automatically disqualify you from getting a mortgage.…

07Jan 2026 by Kyle Wright No Comments

5 Things Arizona Homebuyers Should Know Before Getting Pre-Approved

Arizona Real Estate, Buying a home in Arizona

You’ve found the perfect home in Arizona. It has the upgraded kitchen, the backyard oasis, and it’s in your dream neighborhood. You submit an offer, feeling confident, only to lose out to another buyer who came in with a pre-approval letter. Getting pre-approved helps you understand exactly what you can afford and proves to sellers that you’re a serious buyer. Whether you’re a first-time buyer in Chandler or moving up to a larger home in Scottsdale, understanding the pre-approval process can save you time and stress—and give you the best chance of winning the bid on the home you want. Here are the five essential things every Arizona homebuyer should know before starting their pre-approval journey. 1. Pre-Approval and Pre-Qualification Aren’t the Same Many homebuyers use these terms interchangeably, but…

09Dec 2025 by Kyle Wright No Comments

Why a Pre-Approval Letter Matters in Arizona Real Estate

Arizona Real Estate, Buying a home in Arizona

Buying a home in Arizona is one of the most exciting steps you can take, whether you’re drawn to the mountain views in Scottsdale, the family neighborhoods of Gilbert and Mesa, or the desert charm of Tucson. But before you start touring homes or scrolling through listings, there’s one essential document that sets the stage for your success: your pre-approval letter. A pre-approval letter is your proof that you’re financially ready to buy and that a lender has reviewed your information. In Arizona real estate, where homes vary from new-build communities to luxury golf-course estates, this letter helps you focus your search and make confident offers. As an Arizona mortgage expert, I’ve seen how much smoother the process becomes once buyers get pre-approved. Here’s why your pre-approval letter matters and…

24Nov 2025 by Kyle Wright No Comments

Should You Wait for Rates to Drop Before Buying in Arizona?

Arizona Housing Market, Arizona Real Estate, Mortgage Rates

You’re staring at mortgage rates, wondering if you should wait for them to drop. Meanwhile, your rent keeps climbing, and you’re watching potential homes slip away. So you’re caught between two fears: locking in a rate that feels too high or waiting too long to buy. Here’s what makes this decision complicated: Interest rates are only one piece of the puzzle. You’re also weighing home prices, what you’re currently paying in rent, and how long you’re willing to put your life on hold. The truth is, there’s always a reason to wait, and there’s always a reason to buy now. Let’s break down what you’re really choosing between. The Hidden Cost of Waiting for Lower Rates Here’s what waiting actually costs you in Arizona’s market. If you’re paying $1,800 monthly…

17Oct 2025 by Kyle Wright No Comments

Can a 203k Rehab Loan Unlock Investment Potential for You?

Arizona Real Estate, FHA Home Loans, Homebuyers

You're searching for a 203k loan for an investment property. Great! But before you get too excited, there are a few crucial details you'll want to understand. Can you use an FHA 203k loan for an investment property? For a pure investment property? No. FHA loans are specifically designed for primary residences, not properties you intend to rent out entirely. For a multi-unit property you live in? Yes, with conditions. You can use an FHA 203k loan to purchase and renovate a 2-4 unit property, provided you live in one of the units as your primary residence for at least 12 months. This strategy is known as "house hacking." You occupy one unit, and the rental income from the other units can help offset your mortgage payments. The owner-occupancy rule…

30Sep 2025 by Kyle Wright No Comments

A Guide to Manufactured Homes in Arizona

Arizona Real Estate, Homebuyers

In Arizona's competitive housing market, many homebuyers are looking for a more affordable and flexible path to ownership. Modern mobile homes, often referred to as manufactured homes, offer a compelling solution with features and amenities that rival traditional homes, all at a significantly lower cost. Crucially, manufactured home lenders in Arizona specialize in a variety of financing options, from traditional mortgages to chattel loans, making it easier than ever for a new generation of buyers to realize their dream of homeownership. Common Loan Types: Land-Home Loans: For homes on land you own, treated as real estate. FHA Loans: Government-backed loans with low down payment options. VA Loans: 100% financing for qualified veterans. Arizona's manufactured housing market is expanding rapidly, driven by economic growth and the demand for homes and land.…