Our Mortgage Blog
Low Down Payment Loan Options to Help You Buy a Home in 2025
Are you dreaming of making your goal of homeownership a reality but worried about the down payment? You’re not alone! Many buyers assume they need 20% down to purchase a home, but the reality is that several loan programs allow you to buy with little—or even no—money...
Mortgage Options for Self-Employed Borrowers
Being your own boss offers plenty of perks—flexibility, independence, and the ability to build something that’s truly yours. However, when it comes to getting a mortgage, self-employed individuals often hit a few more roadblocks than traditional W-2 employees. The...
Your 2025 Mortgage Roadmap
Whether you're thinking about buying your first home, refinancing, or exploring investment opportunities, understanding housing market trends and financing options can help you craft your 2025 real estate strategy. At the Potempa Team, we’re here to guide you through...
How Mortgage Interest Rates Affect Your Buying Power
If you’re thinking of buying a home in 2025, you’ve probably been watching the trends in mortgage rates and wondering if this is truly the year for you to buy or if you should wait for rates to drop. Even small shifts in mortgage interest rates can significantly...
Pathways to Homeownership in 2025
The new year is shaping up to offer more pathways to homeownership in 2025! Whether you’re a first-time buyer eager to plant roots or someone looking to upgrade to a home that better fits your lifestyle, with evolving loan programs, creative financing solutions, and...
The Fed Cut Rates—Why Haven’t Mortgage Rates Dropped?
If you’re like many prospective home buyers who have been watching mortgage interest rates and waiting for them to drop, you might be surprised the Fed’s rate cuts didn’t affect home loans much this fall. It’s a common misconception that when the Federal Reserve...
Planning to Buy a Home in 2025? Here’s What to Do This November
Looking ahead and planning to buy a home in 2025? Here’s the good news: you don’t have to do everything at once. Taking a few simple steps now can set you up for success when it’s time to start house hunting in the new year! Whether you’re looking to hit the ground...
Top Home Loan Options for Veterans and Active Duty Service Members
At The Potempa Team, we’re honored to serve those who’ve served and continue to serve our country. With Veteran’s Day this month, let’s dive into some of the top home loan options for veterans and active duty service members—benefits-packed programs that can save you...
Understanding Private Mortgage Insurance (PMI)
First-time home buyer looking to make a change before the end of the year or looking ahead to 2025? You’ve probably seen many unfamiliar terms thrown around as you research how to get a loan and buy a home. One of the most common ones is Private Mortgage Insurance or...
Renovation Loans: Financing Your Dream Home
When it comes to buying a home, we know how important it is to find something that checks all your boxes. But sometimes, the perfect location or home might come with more TLC than you expected. That’s where renovation loans come in! Whether you're planning to breathe...
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THE POTEMPA TEAM
NMLS# 454708
AZ License #BK-0904162
Fax: 480-393-7023
Call Us: 855-421-2753
tim@thepotempateam.com
