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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.

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

Justin Toenjes

June 11, 2024

Cash-Out Refinancing

Learn when cash-out refinancing may help access home equity while understanding costs risks, and long-term impacts…
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Arizona home on quiet suburban street.

Justin Toenjes

June 9, 2024

Buying A Property

Learn how to buy a property by understanding financing, offers, inspections, and closing confidently before buying…
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Excited college girl with big smile moving into her new kiddie condo with her mother in the background.

Justin Toenjes

June 7, 2024

Kiddie Condos

Discover how kiddie condos help students build equity while parents support college housing decisions confidence…
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New Arizona home subdivision with two hands holding a model of a home and a sunset behind.

Justin Toenjes

June 5, 2024

Ultimate Home Buying Guide

Follow the complete home buying process from planning through closing with confidence and practical guidance today…
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Couple sitting with mortgage loan officer discussing interest rate options.

Justin Toenjes

June 3, 2024

How Mortgage Rates Work

Understand how mortgage rates work, what affects them, and why planning matters more than timing in Arizona always…
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Homebuyers shaking hands with a loan officer across a desk with paperwork and a laptop

Justin Toenjes

June 1, 2024

Improve Your Credit Score

Learn practical ways to improve your credit score and strengthen your mortgage approval before buying a home today…
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Talk To A Mortgage Professional Today!

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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

Copyright © 2026 Toenjes Home Loan Team at Peoples Mortgage

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