Dave the Mortgage Guy: guides https://davethemortgageguy.loans/learn/ Mortgage and reverse mortgage education from David Martel. Conventional Loans in Phoenix: 2026 Requirements, Builder Credits and How to Drop PMI https://davethemortgageguy.loans/learn/conventional-loans-phoenix/ https://davethemortgageguy.loans/learn/conventional-loans-phoenix/ Mon, 05 Oct 2026 00:00:00 GMT Conventional loans around Phoenix in 2026: credit and debt rules, 3% down options, how much a builder or seller can pay, PMI removal and when FHA wins. DSCR Loans in Phoenix: Qualify a Rental on Its Rent, with West Valley and Phoenix Numbers https://davethemortgageguy.loans/learn/dscr-loans-phoenix/ https://davethemortgageguy.loans/learn/dscr-loans-phoenix/ Mon, 05 Oct 2026 00:00:00 GMT How DSCR loans work on Phoenix area rentals in 2026: the ratio, local examples with HOA and CFD costs, typical lender rules and Maricopa County landlord rules. Buying Your First Home in Phoenix and the West Valley: Down Payment Help, FHA, VA and New Builds https://davethemortgageguy.loans/learn/first-time-home-buyer-phoenix/ https://davethemortgageguy.loans/learn/first-time-home-buyer-phoenix/ Mon, 05 Oct 2026 00:00:00 GMT Buying your first home around Phoenix? Compare FHA, conventional and VA, see the Maricopa County down payment programs open now and what new builds add. Self Employed Home Loans in Phoenix: How Lenders Read Your Business Income in 2026 https://davethemortgageguy.loans/learn/self-employed-home-loans-phoenix/ https://davethemortgageguy.loans/learn/self-employed-home-loans-phoenix/ Mon, 05 Oct 2026 00:00:00 GMT Self employed near Phoenix? How lenders count S corp, LLC and Schedule C income, what they add back, and when a bank statement loan qualifies you for more. The Bank Said No. We Got Him Approved Anyway, Using His Assets, Not His Income. https://davethemortgageguy.loans/learn/asset-depletion-mortgage/ https://davethemortgageguy.loans/learn/asset-depletion-mortgage/ Tue, 11 Aug 2026 00:00:00 GMT High earners are often the hardest to approve. Asset depletion turns retirement and brokerage accounts into qualifying income - without selling anything. Cash to Close Is Not The Same As Closing Costs: Where Most Buyers Get Burned https://davethemortgageguy.loans/learn/cash-to-close-vs-closing-costs/ https://davethemortgageguy.loans/learn/cash-to-close-vs-closing-costs/ Sun, 15 Feb 2026 00:00:00 GMT Closing costs and cash to close are not the same number. Here's the difference, what drives it, and how to plan for it before you're under contract.