Buying a home in Arizona – 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…

29Dec 2025 by Kyle Wright No Comments

How Do I Get Approved for a Mortgage if I’m Self-Employed in Arizona?

Buying a home in Arizona

You’ve built your own business and created the life you want. But now you’re ready to buy a home in Arizona, and you’re worried that being self-employed will hold you back. Maybe you’ve heard that getting a mortgage is harder when you don’t have a traditional W-2, or you’ve already been told by another lender that they can’t help you. Here’s the good news: Self-employed borrowers in Arizona have options when it comes to getting a home loan, and you can get approved for a mortgage without extra hassle. Here’s what you need to know to get approved for a mortgage as a self-employed borrower in Arizona. Why Do Self-Employed Borrowers Face Extra Scrutiny? Lenders look more closely at self-employed income. It’s not personal, and it doesn’t mean they doubt…

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…

10Sep 2025 by super_admin

Should You Make Extra Mortgage Payments?

Buying a home in Arizona, Homebuyers

Many homeowners consider paying extra on their mortgage as a way to get ahead financially. While this strategy can be smart for some, it’s important to weigh both the advantages and the potential drawbacks before committing. The Pros: Making additional payments can dramatically reduce the total interest you’ll pay over the life of your loan. It also helps you build equity faster, which could give you more flexibility for refinancing or borrowing against your home in the future. Beyond the financial side, paying down your mortgage early can provide peace of mind and a sense of financial freedom. The Cons: On the flip side, tying extra money into your mortgage can limit liquidity. Those funds may be harder to access if you need them for emergencies, investments, or higher-yield opportunities.…