Ten Yes’ of Home Loans

Young couple walking through their dream home as it is being built at the framing stage.

# Ten Yes’ of Home Loans A Ten Yes’ guide for Preparing to apply for A Home Loan Justin Toenjes June 24, 2024 Home Blog Ten Yes’ Of Home Loans Many of us are born with names that prompt some unique pronunciations. For instance, my surname is ‘Toenjes,’ and it rarely fails that new acquaintances […]

Ten No’s of Home Loans

Young frustrated couple reviewing mortgage loan documents.

# Ten No’s of Home Loans A Ten No’s Guide To Applying for a Home Loan Justin Toenjes June 15, 2024 Home Blog Ten No’s of Home Loans Many want to do as little as possible to achieve a goal properly. That said, applying for a new mortgage or refinancing can have some roadblocks that […]

Cash-Out Refinancing

Mortgage loan officer preparing documents for a cash-out refinancing.

# Cash-Out Refinancing Can A Cash-Out Refinance Help You Unlock The Value Of Your Home Justin Toenjes June 11, 2024 Home Blog Cash-Out Refinancing If you want to tap into your home’s equity for significant expenses such as a child’s education or a home renovation, or to consolidate debt, a cash-out refinance – replacing your […]

Buying A Property

Arizona home on quiet suburban street.

# Buying A Property Navigating the process of buying a property can be both thrilling and daunting Justin Toenjes June 9, 2024 Home Blog Buying A Property When buying a property, ensuring your budget fits the home of your dreams while securing financing involves several critical steps. Here’s a guide to help you through the […]

Kiddie Condos

Excited college girl with big smile moving into her new kiddie condo with her mother in the background.

# Kiddie Condos Intelligent Solutions for Parents Investing in Their Child’s Future Justin Toenjes June 5, 2024 Home Blog Kiddie Condos Are you a parent considering the financial aid process and future investment opportunities for your college-bound child? The innovative concept of the “Kiddie Condo” could be the unique solution you’ve been searching for. This […]

Ultimate Home Buying Guide

New Arizona home subdivision with two hands holding a model of a home and a sunset behind.

# Ultimate Home Buying Process Guide Embarking on the Journey of Homeownership is Both Thrilling and Complex Justin Toenjes June 4, 2024 Home Blog Ultimate Homebuying Guide To ensure a smooth experience, you must have reputable professionals—specifically a trustworthy real estate agent and mortgage banker or broker. The ‘Your Home Loan Toolkit’ by the Consumer […]

How Mortgage Rates Work

Couple sitting with mortgage loan officer discussing interest rate options.

# How Mortgage Rates Work How Mortgage Rates Work A Comprehensive Guide by The Toenjes Team at Peoples Mortgage in Tempe, Arizona Justin Toenjes June 3, 2024 Home Blog How Mortgage Rates Work Mortgage rates are fundamental to home-buying, yet they often mystify many prospective homeowners. Understanding how mortgage rates work is crucial for making […]

Improve Your Credit Score

Credit report and blanks loan application with calculator and pen.

# Improve Your Credit Score A Guide to Improve Your Credit Score Before Applying for a Home Mortgage Justin Toenjes June 1, 2024 Home Blog Improve Your Credit Score An excellent credit score is essential to unlocking lower-interest mortgage rates and more favorable loan terms. If your credit score needs improvement, it might seem like […]

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