The effects of Covid-19 have had a far-reaching impact on so many sectors of the economy, leaving many people who were on the cusp of buying a home wondering if they still have a shot at buying one. At the Potempa Team, we understand! We're helping home buyers just...

It is not just first-time homebuyers in Arizona that need to make informed decisions when applying for home loans; any homebuyer can benefit from knowing what is new in the mortgage lending world. Asking some important questions before applying for a home loan can...

Marriage, having children, and landing your dream career are a few of the major landmarks in most people's lives. Another landmark is filing a mortgage and starting on the path towards homeownership, and it's an important part of all the others. If you're interested...

Your debt-to-income ratio (DTI) is a calculation that shows how much debt you have compared to your income. It's an indicator of your financial health and illustrates you're spending beyond your means. The debt-to-income ratio is an important factor that lenders...

With home mortgage interest rates lower than they've been in quite some time, many people, especially first-time homebuyers, are considering making the jump from renting to purchasing a house. Getting started can be confusing, and there's a lot of details along the...

Purchasing a home is a huge milestone. Most people require a mortgage when buying a property. The mortgage approval process can be quite complicated, especially for first-time homebuyers who don't know what to expect. Understanding what factors are important to your...