Kelly L. Zitlow

To properly analyze a mortgage program, the borrower needs to think about how long he plans to keep the mortgage. If you plan to sell the house in a few years, an adjustable or balloon loan may make more sense. If you plan to keep the house for a longer period, a fixed rate mortgage may be more suitable.

With so many Arizona mortgage programs from which to choose, each with different rates, points and fees, shopping for a mortgage can be time consuming and frustrating. An experienced and licensed mortgage professional can evaluate a borrower's situation and recommend the most suitable mortgage program, thus allowing the borrower to make an informed decision.

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