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Dave The Mortgage Guy Ditch The Landlord (3)
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  • Buy a Home
    • First-Time Homebuyer / DPA Loans
    • Conventional Home Loans
    • FHA Home Loans
    • VA Home Loans
    • Jumbo Loans
    • Self-Employed Borrowers
    • Non QM Loans
    • Bank Statement Loans
    • Investment Property Financing
    • ITIN Loans
    • Renovation and Construction Loans
    • USDA Loans
    • Adjustable-Rate Mortgages
  • Reverse Mortgage
  • Refinance
    • Cash-Out Refinance
    • HELOC
    • Refinance Loans
  • Tools
    • Mortgage Calculator
    • Rent vs. Buy Calculator
    • Cash-to-Close Estimator
    • Compare Mortgage Options
    • Ask Me A Mortgage Question
  • Blog
    • First Time Buyer Guide
    • Conventional Loan Guide
    • Self Employed Guide
    • DSCR Loan Guide
    • All Articles
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  • Buy a Home
    • First-Time Homebuyer / DPA Loans
    • Conventional Home Loans
    • FHA Home Loans
    • VA Home Loans
    • Jumbo Loans
    • Self-Employed Borrowers
    • Non QM Loans
    • Bank Statement Loans
    • Investment Property Financing
    • ITIN Loans
    • Renovation and Construction Loans
    • USDA Loans
    • Adjustable-Rate Mortgages
  • Reverse Mortgage
  • Refinance
    • Cash-Out Refinance
    • HELOC
    • Refinance Loans
  • Tools
    • Mortgage Calculator
    • Rent vs. Buy Calculator
    • Cash-to-Close Estimator
    • Compare Mortgage Options
    • Ask Me A Mortgage Question
  • Blog
    • First Time Buyer Guide
    • Conventional Loan Guide
    • Self Employed Guide
    • DSCR Loan Guide
    • All Articles
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Mortgage & Homebuying Insights

Straight answers on what buying or refinancing a home actually costs, how loan programs really work, and the numbers most people don’t hear about until it’s too late.

Young couple holding up the keys to their first home among moving boxes

Buying Your First Home in Phoenix and the West Valley: Down Payment Help, FHA, VA and New Builds

October 5, 2026
Smiling couple holding up their new house keys in the doorway of their home

Conventional Loans in Phoenix: 2026 Requirements, Builder Credits and How to Drop PMI

October 5, 2026
Small business owner smiling in her pottery studio surrounded by her work

Self Employed Home Loans in Phoenix: How Lenders Read Your Business Income in 2026

October 5, 2026
Magnifying glass highlighting one red model house among white model houses

DSCR Loans in Phoenix: Qualify a Rental on Its Rent, with West Valley and Phoenix Numbers

October 5, 2026
Graphic explaining how asset depletion helped qualify a borrower for a $1.25 million home purchase after a traditional bank said no.

The Bank Said No. We Got Him Approved Anyway – Using His Assets, Not His Income.

August 11, 2026
Diagram of the cash to close formula: down payment plus closing costs plus prepaid escrows, minus earnest money, seller credits, and lender credits.

Cash to Close Is Not The Same As Closing Costs – Where Most Buyers Get Burned

February 15, 2026
Dave the Mortgage Guy logo with pink house icon and slogan Ditch the Landlord

Dave The Mortgage Guy offering personalized mortgage solutions, fast responses & customized quotes, competitive rates & service with integrity. 
Licensed in: AZ, CA, CO, HI, KS, KY, MD, MI, MS, MO, NV, NJ, NC, OH, OR, SC, TN, TX, UT, WA

David Martel

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Dave The Mortgage Guy powered by Barrett Financial Group | David Martel | Mortgage Loan Originator | NMLS# 2521668 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AZ 0904774 | GA 181106 | MA MC181106 & MC181106 | MO 181106 | OR | PA 92105 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

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