David Krushinsky's Blog

Phoenix home buyers looking to take advantage of favorable interest rates, reduced home prices, and a low down payment should consider an FHA loan when buying a new home in which to live.  The Federal Housing Administration (FHA) is a part of the U.S. Department of Housing and Urban Development (...

For many years I've attended Sales Mastery, Business Plan or some type of mortgage seminar to continue learning new, innovating ways to build my business.  Many of the top loan officers in our company, and other companies, also attend these events.  It wasn't uncommon for these seminars to have o...

Located in the Southwestern part of the United States, Arizona is a state known for its wonderful weather, beautiful scenery and national parks. It is one of the ideal spots for active lifestyles and is easy to see why many potential home buyers are choosing Arizona as their destination of choice...

FREE CONTINUING EDUCATION CLASSES FOR ARIZONA REALTORS You are invited to attend the continuing education seminar " Answers To Tough Questions About Credit In Today's Market" on Wednesday, January 13th from 2:00 pm - 5:00 pm.  This event is FREE and provides (3) three Accredited General Hours tow...

Should you tell your clients to dispute items on their credit report during the loan process?  The most common response is typically, "Sure, why not?".  If you are advising your clients to dispute credit items, you may be in for a big surprise. A few months ago, we prequalified a borrower looking...

"So what's my Phoenix home loan rate"?  This is the question asked to loan originators everyday from our clients and prospects.  There is no simple answer and it seems to be getting more complex as the mortgage industry moves toward more risk-based pricing.  Risk-based pricing allows adjustments ...

Today, I had the pleasure of attending my daughter's 4th grade parent/teacher conference.  Her teacher told me that she is a great student, but she noticed that Kelli rushes through her work assignments quite frequently.  Kelli will quickly complete her assignments, often times with minor errors,...

FREE CONTINUING EDUCATION CLASSES FOR ARIZONA REALTORS You are invited to attend the continuing education seminar " Answers To Tough Questions About Credit In Today's Market" on Wednesday, November 18th from 2:00 pm - 5:00 pm.  This event is FREE and provides (3) three Accredited General Hours to...

Are you purchasing a home in Phoenix?  Is the house bank-owned, does it need some TLC, or would you just like to paint, carpet and put in some new appliances?  The FHA 203k Streamline loan is the perfect solution.  Click here for a more detailed guide for specifics on how the 203k loan works.  FH...

You've searched for the perfect home for what seems like an eternity.  Your Real Estate Agent has shown you so many homes, in Phoenix, that you lost count.  She calls you up and says, "I found the perfect home; it has a big backyard, 3 car garage, 5 bedrooms and the location is exactly where you ...