Things are heating up this month, both with the weather as well as with things to do. Scroll below to see some things happening around town this month. O Capital Group, your local home loan expert, is happy to provide this free monthly event guide for current and prospective Arizona residents. Stay In Touch! Instagram Facebook We love likes, follows, and shares!!! Have fun exploring Arizona this month! Be sure to post any events you try on Making Arizona Home. Events Around T

With rates on the rise, many lenders are advertising lower rates to draw people in. This often comes at a cost to the borrower. Read to learn more! Is that Advertised Rate Accurate? With rates on the rise, many lenders are advertising lower rates to draw clients in. Many times, however, there are parameters for a borrower to qualify for this rate. In addition, this rate may come at a cost to the borrower. To determine this, you need to know about the par rate. At the par rate

Preparing to buy your first home can be intimidating, but educating yourself on the process makes it less overwhelming. Read below for our most commonly asked questions from first-time homebuyers. 1. What credit score do I need to get approved for a mortgage? For most loan products, 640 is the preferred score for most lenders. While there are some options (especially with FHA products) that will accept lower scores, they are limited and come with higher interest rates. 2. Wha

A down payment can be a daunting piece of the home buying process, but it does not need to be. Learn the facts about this process as you move one step closer to becoming a homeowner. What is a Down Payment? A down payment is a critical piece of the home-buying journey. Basically, it is a sum of money the buyer pays the seller to lock in the purchase deal. The remaining balance of the home is typically paid by a #mortgage. The down payment shows the lender financing the mortga

Why would someone use a mortgage broker versus a bank? Explore some common myths on this topic to help you make the best decision. Myth: Mortgage Brokers are "Middlemen." Reality: Mortgage Brokers lend off other people's money, while banks lend off their own money. There are no true "middlemen" in either scenario. Implications: Because banks lend off their own money, they are limited to offer their own products and rates. Because mortgage brokers lend off other people's money

If you aren't closely associated with a given industry, sometimes the vocabulary and acronyms used in that industry can be overwhelming. Here's your cheat sheet for some of the terms and acronyms you will likely encounter during your home buying journey. Amortization: The process of paying off a loan through a series of fixed payments to a lender. APR (Annual Percentage Rate): The total cost of securing financing in a mortgage transaction, expressed as a percentage. Appraisal

You purchased your home and are ready to put your new kitchen to use. Great! Now, what do you cook? Read on for a delicious recipe for lemon-butter shrimp over couscous. This is a quick, easy meal sure to wow any guests. Ingredients: * 4 tablespoons butter * 4 cloves of garlic * 1 cup white wine * 2 fresh lemon slices * 8 oz frozen shrimp * 1 cup frozen corn * 1 handful fresh sugar snap peas (in pod) * 2 fresh green onion/scallions * 16 ounces broccolini * olive oil * salt *

You have successfully become a homeowner. Congratulations! Now what? Here are 14 essential items to take care of during your first year of homeownership. Turn on utilities: As a new home owner, you will need to set up your utilities in your name. The essentials, power and water, should be first. You will also want to set up phone, internet, cable, and any other subscription services you will want active at your new address. The sooner you get these essentials up and running,