Burk Carpenter Financial

read moreB Home Mortgage is a local, family owned and operated Mortgage Company serving Phoenix and other parts of Arizona since 2005. Founded by Brian Carpenter and his father-in-law Kevin Burk, we have always provided exceptional service at a lower rate and price than everyone else on every type of residential mortgage loan. Just before and at the beginning of the mortgage and real estate bubble 2003-2005, Brian Carpenter worked for a large mortgage bank. With his quick and thorough understanding and experience at every position through the ranks of the mortgage bank, he had learned how it all works from the first phone call to the closing wire by devoting so much of his time to studying literally thousands and thousands of pages of rate-sheet matrices and underwriting guidelines, going up the chain-of-command to fight for every single loan he believed in.

read moreWhen it comes to beautiful cosmopolitan cities in the southwest, it is hard to beat Phoenix, AZ. Phoenix is literally drenched in sunshine, which is why the Phoenix area is known as the "Valley of the Sun." So, when it comes to buying a home in Phoenix, you are going to need to shop around to find the best mortgage rates. A lot of Phoenix homes can only be purchased through jumbo mortgages, which can make settling down in Phoenix an expensive prospect. If you are in either of these special situations, we can help you find out whether you qualify and assist you through the application process.

read moreTrying to find the best refinance rates in Phoenix, AZ? A lot of homeowners are struggling these days, but what you may not be aware of is that property values across the Valley have increased. This coupled with the fact that there are many programs available to help those in need means that it has become easier to refinance your home. While refinancing a home does have a lot of benefits, it has some costs and drawbacks too. There are fees involved, and in some cases, you could be subject to prepayment penalties.

read moreIf you are getting ready to buy a new home, there is so much to consider it can be overwhelming. Here at B Home, we have broken it down into a few key factors to make it easier for you to get started! When you are trying to figure out how to afford your Phoenix dream home, it is easy to get caught up in all the financial details and forget about the other important factors. Below are some questions to ask while you are shopping to make sure you really are getting your dream home. Need help weighing all the factors involved in purchasing a new home?

read moreAre you a first-time homebuyer in Phoenix, AZ? If so, you may feel daunted by the entire process. Calling lender after lender is time-consuming, and the roadblocks you hit along the way can be discouraging. Worse, there are some lenders out there that are not accredited and will prey on you as a first-time homebuyer. Knowing that you are struggling to qualify for a loan on your Phoenix dream home, they will try and rope you into a loan with unfavorable terms and high associated costs. We know that you are eager to move into your new home in Phoenix and start building your life here.

read moreReady to buy your Phoenix, AZ dream home? Most prospective homeowners who are shopping for a mortgage are looking for a conventional loan. A conventional loan is one which is not insured by the FHA, VA, or any government agency. In short, a conventional mortgage in Phoenix will often save you money over the long run if you are eligible. Customers who qualify for conventional loans are considered "low risk" homebuyers, and are accorded certain benefits as such. You can prove you meet the eligibility requirements for a conventional mortgage in Phoenix by pulling together the relevant documentation to demonstrate your income and expenses.

read moreIn fact, many homes in Phoenix are available through conventional loans, but many others require jumbo loans to purchase. That is particularly true in some of Phoenix's more luxurious districts. With a jumbo loan, it becomes even harder to get a competitive interest rate. We know how frustrating it is to be ready to move into a beautiful home in Phoenix and start your life here, only to be quoted mortgage rate after mortgage rate that you cannot possibly afford. This is where we can help. B Home has access to an extensive established network of mortgage lenders throughout Phoenix and the surrounding metropolitan area.

read morePhoenix is called the "Valley of the Sun, " and for good reason. Soaked in warmth and light, this desert metropolis gets more sun than any other metropolitan area in the United States. But the balmy weather is just the start of what Phoenix has to offer. This bustling city is the cultural center of the region, offering parks and museums, art walks, symphonies, and more. There is a vibrant nightlife, and sports fans will rejoice that Phoenix is one of just 13 cities nationwide to boast representatives of four major professional sports leagues.