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Joe Huljak's Blog!
As a loan officer, every day is a balancing act, especially when your business spans across time zones. Based in Arizona, most of my clients are in Wisconsin, which adds a layer of complexity to my schedule. My mornings often start early, syncing with Wisconsin's Central Time Zone to ensure I’m available when my clients need me most. By the time Arizona wakes up, I’ve already fielded several emails and phone calls.
Buying your first home in Green Valley, AZ is an exciting adventure with many opportunities. From the area’s affordable housing to the desert beauty of Green Valley it’s a great place to be a new homeowner. By being prepared, knowing your mortgage options and working with a knowledgeable team like Joonago Mortgage Services you can make your dream a reality.
When it comes to getting a home loan, many homebuyers are faced with the decision of whether to go with a bank or a mortgage broker. Both can lend, but mortgage brokers have more advantages that make them the better choice for most borrowers.
Benson, AZ, is a charming community known for its scenic landscapes, close-knit community, and proximity to major attractions like Tucson and Kartchner Caverns State Park. If you’re a first-time homebuyer, it’s an exciting yet challenging journey ahead. Homes available for sale in Benson come with various financial assistance programs for first-time home buyers. With the right guidance and information, purchasing your first home in Benson can be a smooth and rewarding experience. Here’s a comprehensive guide to help you get started.
Ready to buy your first home in Tombstone, AZ? Joe Huljak and Joonago Mortgage Services is your go to partner. Whether you need help with mortgage options, rates or pre-approval, Joe will be with you every step of the way. His expertise and commitment to his clients makes him the best choice for first time homebuyers.
Buying your first home in Dudleyville, AZ is a big deal and having the right mortgage guide by your side can make all the difference. Joe Huljak’s local knowledge, personal service and expertise make him the perfect partner for first time home buyers. Whether you’re looking to start a new chapter in Dudleyville or in the surrounding counties Joe will make the process stress free. Get started today and contact Joe Huljak to learn more about your mortgage options and get the ball rolling on your new home.
I've talked about this before, but I want to stress it again—whether you're a first-time homebuyer or it's your tenth time purchasing a home, the first step you need to take is getting pre-approved for a mortgage. If you're not paying with cash, the pre-approval is essential. No real estate agent is going to show you homes without a valid pre-approval in hand. It’s your ticket to essentially start shopping for your dream home.
I got into the mortgage industry at a young age, and it changed the course of my life. Believe it or not, I got in the mortgage industry at 19, was pretty much right after I graduated from high school is when I got into the industry. And then I got my brokerage license in '97. So do the math: It's been a while! I never looked back after that, and it was the start of an exciting journey.
Florence is a historic town right in between Phoenix and Tucson, making it a great place for families and individuals to live in a quiet but central location. As the county seat of Pinal County, it has access to services, growing communities and the charm of one of Arizona’s oldest towns. Florence’s history, especially the National Historic District, has many homes on the National Register of Historic Places.
So, following up from my video from last week, rates did get lower for about a day, and then they pretty much went back to where they were. Like I said last week, I think rates are going to stabilize at the end of the year during the election. Where will they come down to? I have no idea. Maybe low fives, maybe high fours, maybe mid fives. Who knows? Maybe a point lower than where we’re at now. The reality is, predicting exact rates is always a bit of a guessing game, especially with so many variables in play. But one thing is certain: staying informed and keeping an eye on trends will put you in the best position to make smart decisions.
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Address
7137 E Rancho Vista Dr, Suite B05, Scottsdale, AZ 85251
Phone
414.617.3042
joeh@joonago.com
Hours
Monday thru Friday - 8am to 8pm
Saturday & Sunday - 8am to 3pm
Company NMLS: #249858
AZ Mb-0945285
Personal NMLS: #250873
This is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval and property qualification. Cash reserves may be required. Joonago Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. Joonago Mortgage – 7137 E Rancho Vista Drive Suite B05, Scottsdale, AZ, 85251 | 920-378-0002 | Wisconsin NMLS 249858 AZ Mb-0945285 www.nmlsconsumeraccess.org | Equal Housing Opportunity. You should always be speaking with a highly qualified mortgage advisor that can educate you on all these factors and how to get the best mortgage. A mortgage advisor should educate and empower you to make good financial decisions.