Chris Dunham's Blog

When buyers submit an offer on a home, nothing carries more weight than a strong pre-approval. A pre-approval tells the seller that a lender has already verified income, credit score, assets, and debt, confirming the buyer is financially qualified to purchase the home. In competitive real estate ...

Experience the true country-style lifestyle that Ranchos Jardines is known for at this exceptional equestrian property, appraised at $1,115,000. Set on over 2 irrigated acres, this fully fenced and gated estate blends community charm with serious horse facilities, where neighbors wave hello and l...

When buyers start the mortgage pre approval process, lenders often run the file through Desktop Underwriter (DU), an automated underwriting system used to evaluate loan eligibility. A DU Approval means the system has reviewed income, assets, credit score, and debt ratios and determined the buyer ...

Does It Cost Money to Get Pre-Approved for a Home Loan? (Short Answer: No)One of the most common questions buyers ask at the start of the home buying process is whether it costs money to get pre-approved for a mortgage. The answer is no—getting pre-approved does not cost anything. A mortgage pre ...

Getting pre-approved for financing is one of the most important steps in the home buying process, yet it’s often misunderstood by buyers. Pre-approval means a lender has reviewed your income, credit score, assets, and debt to determine exactly how much home you qualify for—not just an estimate. T...

What You Need to Know to Start the Home Loan Approval Process (Before You Fall in Love With a House)If you’re thinking about buying a home, the very first step—before scrolling listings or touring homes—is starting the loan approval process. This step sets the foundation for everything that follo...

The FHA loan is the most popular government-backed home loan program in the country — and for good reason. These loans are made by qualified lenders and insured by the Federal Housing Administration, helping open the door to homeownership for buyers who may not qualify for conventional financing....

The home buying process is tricky at best — especially if you’ve never purchased a home before. Between changing market conditions, financing options, inspections, and negotiations, it can feel overwhelming right out of the gate. But first-time buyers aren’t the only ones feeling that pressure.Ov...

When it comes to buying a home, knowledge and connections aren’t just helpful — they’re essential. These are just a couple of the key things I bring to the table when working with home buyers, whether this is your first home purchase or your twentieth.Real estate is not a one-size-fits-all proces...

If you’re searching for a real estate professional who brings experience, clarity, and confidence to every transaction, it’s time we talked. With more than 25 years in Arizona real estate, I’ve seen every market cycle imaginable — booming markets, shifting markets, and everything in between — and...