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BlogArizona.com - the ORIGINAL Arizona Real Estate Blog
BlogArizona.com offers discussions on a wide variety of subjects, but focuses on Arizona and real estate.  The articles  posted here are contributed by various working professionals.  Their insights and experiences will inform, educate, challenge and entertain our readers week after week.  Some of the best reading on blogs often comes from reader Comments!  We encourage you to use the 'Comments' feature to join discussions and interact with both our Contributors, and our other readers.  We do require that you first review and accept our 'Comment Rules' in order to preserve the quality and integrity of this blog.  Also be aware that all visitors are subject to our Terms of Use.

We put the 'REAL' back in real estate!

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Monday, January 10, 2005

Ask the AZ Mortgage Guru, a.k.a. Home Loan Expert!

If you have a question relating to home loans, refinancing or mortgages in general, you may ask it by using the 'Comments' below.  Keep in mind that anything you post in the 'Comments' will become a permanent part of this blog.  If you have a more personal question that you do not want published, you may email me your question instead.

Your question will be answered within 48 hours.  If you email your question, the answer will be emailed to you.  If you post your question in the Comments, the answer will be posted in the Comments.  Please understand that I cannot always answer your question definitively without having specific information, but I will do my best!

You are always welcome to call me with any questions or concerns.  My contact information is below.

Shailesh & Aimee Ghimire of CTX Mortgage in Arizona - Your Mortgage Team for Life!Shailesh Ghimire
CTX Mortgage Co.
(480) 516-1851 / (480) 516-1819
Email me

Posted by BlogArizona BlogMaster on January 10, 2005 | Permalink


As I was surfing around today looking for detailed info on mortgage broker licensing, I somehow ended up on your page. Thanks for the information. If you should ever need more information about a mortgage broker license, then feel free to stop by for a look. Thanks for the great blog!

Posted by: Paul H. | May 15, 2006 5:37:22 AM

Do you encourage discussions on foreclosures? And that how about listing up a foreclosure everynow and then. At least it will help you bring a lot of traffic on your blog who are interested in buying and selling of foreclosures

Posted by: Keith | Jul 3, 2006 11:17:18 PM

Thanks for your comment Keith. You are correct about foreclosures - while we didn't hear about alot of distressed property sales for awhile, they are definitely coming back pretty strong and will make a significant impact on the real estate market in the near future.

I definitely encourage discussions on foreclosures. I used to professionally buy properties at trust sales (aka foreclosure auctions), then renovate and 'flip' them for profit. It is dangerous business though if you don't cross you t's and dot your i's because you must buy most foreclosures site unseen, must pay in cash and can't back out of the sale. It is much safer to buy from the owner before the foreclosure sale occurs.

Thanks again for your comment and I will write a post in the very near future to create the forum for a discussion on foreclosures.

Posted by: Shannon Hubbard | Jul 17, 2006 11:44:26 AM

True as day light an unsophisticated customer who shows no inclination to shop the competition will be charged more than a sophisticated customer who makes clear an intention to shop.

Posted by: max | Aug 12, 2006 12:55:17 AM

I don't think so it is difficult to find a real estate consultant when you have blogs like this.

Posted by: John | Aug 29, 2006 7:48:22 AM

Great blog..thanks for the information.

Do you have any info on UK Home mortgage refinancing?

Jord - UK Home Mortgages

Posted by: UK Home Mortgages | Mar 28, 2007 5:37:48 PM

Hi Jord - No we don't have any info on UK mortgages. BlogArizona.com focuses on Arizona real estate. Thanks for stopping by!

Posted by: Shannon Hubbard | Mar 29, 2007 11:50:24 AM

Thank you for providing this online forum. My question is my wife and I have a Joint Tenacy Deed with our son for a home built in Arizona. Without our knowledge (or signatures) he obtained a loan against this property 2 years ago. Resently a second lender sent me a document to sign to affirm a new loan on this property - this is how we found out about the initial loan. We did not sign it.

We were mad about what our son had done and inturn had him had him re-deed (Quit Claim Deed) the property back to us in which he did proptly. We learned the original lender never filed a instrument recording his claim and our Deed now predates theirs.

Our question is where do we stand now as for protecting our interests? Also will offering the lender to repay the original note minus any interest at all be fair as we never agreed to any loan and only want everything back to before - minus our son's name off the Deed?

Thank you for your time in answering this.


Posted by: Jim | Feb 6, 2008 4:31:23 PM

Thanks for your question Jim - I guess Shailesh spoke with you via telephone. Hope you got the answers you wanted! Thanks for stopping by!

Posted by: Shannon Hubbard | Mar 2, 2008 1:25:36 PM

will the banks pay for closing on a reo

Posted by: tammy | Jun 8, 2009 3:36:04 PM

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