David Krushinsky's Blog

It's been a tough battle over the last 4 years for a large majority of homeowners in similar circumstances as property values tumbled.  Many people have already lost their jobs because of the widespread financial hardship we have faced as not only a nation but globally.  One of the results of th...

Federal Trade Commission estimates as many as 9 million Americans have their identities stolen each year.  Some identity victims can resolve their problems quickly, while others spend hundreds of dollars and many years repairing damage to their name and credit.  Some consumers victimized by iden...

So you've decided to purchase a home in Moon Valley and you want to get the best deal on your mortgage.  You get on Google and type in Phoenix Home Mortgage to check rates but all the advertisements have this other rate with the letters APR next to it.  What is APR and why should you be concerned...

All of us are aware of the overwhelming abundance of bank-owned properties flooding the Phoenix area housing market.  The Arizona Department of Housing (ADOH) has developed a new program to help your clients purchase foreclosed properties in Arizona.  The "Your Way Home AZ" program offers a forgi...

The Phoenix area housing market is still being driven by foreclosed homes.  This wave of inventory consisting of bank-owned properties is not likely to decrease any time in the near future.  Now, Arizona residents have an even greater opportunity to take advantage of the affordable home prices an...

Before you decide to throw down your hard earned money to pay for an appraisal, you may want to do some research.  Here are 6 sites that will help you find out how much your home may be worth for the purpose of selling your home, or refinancing your home mortgage.  These property evaluations only...

Many residents in Phoenix, Arizona have recently decided to either purchase or refinance their dream home only to discover that they have less than perfect credit.  Don't be discouraged.  There are many ways to rehabilitate your credit.  Here are a few key tips to improve your credit score in the...

Are You A Good Neighbor Next Door? Phoenix Loan Program for Firefighters, Police Officers, EMTs and Teachers Are you a Firefighter, Police Officer, EMT or a K-12 School Teacher?  If so, you may be eligible to purchase a home in Phoenix, AZ using the Good Neighbor Next Door Program.  Under this pr...

Whether you are a first-time homebuyer or a veteran homeowner, one of the main qualifying requirements involved when mortgaging a home in Phoenix, AZ is your credit score.  However, most of us have no idea what actually makes up our credit score.  Many borrowers have the mindset that making their...

  Thinking back to the days before being in the mortgage industry, I remember feeling like I didn't have a clue how to get a mortgage when I bought my home in Glendale, AZ.  This was before it was easy to jump online, go to Google, type in Home Mortgage Phoenix and start reading the endless amou...