Author: Justin Toenjes

Justin Toenjes (ten-yes) is a highly accomplished finance professional with a strong background in mortgage banking and a passion for helping individuals achieve their financial goals.

July 12, 2026

Should You Refinance? 5 Scenarios Where It Makes Sense (and 3 Where It Doesn’t)

Explore five situations where refinancing makes sense and three where keeping your current mortgage may be smarter…

June 22, 2026

Closing Costs in Arizona: What Buyers Actually Pay (and How to Reduce It)

Understand Arizona closing costs, why costs vary, and how buyers can plan cash to close before making a home offer…

May 27, 2026

VA Loans in Phoenix Metro: Benefits, Myths, and How to Qualify

Learn how VA loans work, who qualifies, and how eligible buyers can maximize valuable Arizona home loan benefits…

April 14, 2026

FHA vs Conventional in Arizona: Which Fits Your Situation?

Compare FHA and conventional loans by credit, down payment, insurance, and costs to find the option that fits best…

March 17, 2026

Down Payment Assistance in Arizona

Understand Arizona down payment assistance programs, eligibility, and how they may reduce upfront homebuying costs…

February 19, 2026

Mortgage Pre-Approval in Tempe

Understand mortgage pre-approval requirements before beginning your Arizona homebuying journey…

November 25, 2025

Is Now a Good Time to Buy a House

Explore whether now is the right time to buy by weighing market conditions, finances and long-term goals carefully…

September 8, 2025

Life Changes & Mortgages

Understand why mortgage timing depends on your life, finances, and goals—not just rates or market forecasts alone…

June 24, 2024

Ten Yes’ of Home Loans

Explore ten practical steps that help buyers prepare finances, documents, credit, and expectations for a home loan…

June 15, 2024

Ten No’s of Home Loans

Avoid common mortgage mistakes that can delay approval, increase costs, or derail your home purchase plans sooner…

Talk To A Mortgage Professional Today!

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Company

Mortgage Guide

Loan Officer – Justin Toenjes – LO Licensing: AZ-LO-0912116, CO-100032832 | NMLS-167048 | NMLS-6274

LO Licensing: Kathi Alosi, AZ-LO-0914249 NMLS-259189
Peoples Mortgage – 11201 N Tatum Blvd, Suite 140, Phoenix, AZ 85028

Company Licensing: Peoples Mortgage Company, A DBA of Moria Development, Inc. AZ-BK-0904164, CO – Regulated by the Division of Real Estate | NMLS-6274 www.peoplesmortgage.com/privacy-policy – Regulated by the Division of Real Estate peoplesmortgage.com/license NMLS-6274 (Equal Housing Lender)

Peoples Mortgage: 2055 E Centennial Circle – Tempe, AZ 85284