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Cash-Out Refinances Now Up to 85% Loan to Value!

5/31/2018

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Exciting news for all our Arizona borrowers looking to refinance their home! Our wholesale partner has just increased the cash-out maximum from 80% to 85% LTV. This means on a $400,000 home value, you can do a cash-out up to $340,000. You can have more money on hand! This is just another way Road to Home Mortgage is giving you more options on your real estate! 

Some of the Program Highlights:
  • 740+ FICO
  • Primary homes only
  • Reduced mortgage insurance premiums
  • LP Accept response required 

Contact us today if you have any questions! 602-888-7990

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A Can't Miss Restaurant: Oven + Vine

5/22/2018

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At Road to Home Mortgage we are showcasing local businesses around Greater Phoenix. If you haven’t heard of Oven + Vine, you should! It’s a fantastic local restaurant where you can relax and enjoy the delicious food in a remodeled 1940’s Vaughn residence. They also opened a little coffee shop by the restaurant called Birdhaus Coffee. Evan recently spoke with Dylan who is the owner of Oven + Vine with his wife.  ​
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Proscuitto pesto. One of their favorite cheesy flatbreads.
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A perfect combo of burrata and white wine
How did you get started in the restaurant industry?
Our restaurant journey began after a weekend trip to a small town in Colorado while we were both in college. We ate at a few places up there and were disappointed in the food. We dropped out of college, moved up to that small town in Colorado, and started The Countryside Coffeehouse. A few years later we made it back to AZ and after one other restaurant venture we started our current restaurant Oven + Vine.

How do you maintain the neighborhood feel to your restaurant?  
We try to keep Oven + Vine casual as we don’t have uniforms or a hostess. We want our customers to come in and feel as though they are eating at a friends house. Our prices are affordable and this allows our customers to come visit us more often. We have some customers visiting us 3+ times a week!

What’s your favorite dish in your restaurant?
The green chile pork is hands down my favorite. My wife grew up in New Mexico and as a teenager, she learned how to make some awesome green chile pork. In our restaurant we slow roast our pork and marinate it in green chile.

Do you have any favorite local restaurants in town?
We are big fans of St. Francis and Richardsons. I also remember going to Pizzeria Bianco before the 3 hour waits existed!

You serve a wide array of wine. How do you choose which wine to offer?
We have 8-9 wine companies visit our restaurant every week! Many times the winemakers and owners come share their knowledge of wine with us. We usually try 20-30 wines a week. We always try to find wine that taste great, but that is also affordable.

This is a family business. How is it to work with your family?
The best way I can describe it is unique! Most people think you can’t work with your wife and family. We have made it work great, and we enjoy spending the extra time together!

You recently opened Birdhaus coffee bar which also serves fresh waffles. What do you like on your waffles?
I’m a simple guy when it comes to my waffles! I like my waffles with the organic maple syrup that we have at Birdhaus.

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Birdhaus Coffee located in front of Oven & Vine
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Coffee time?
What’s your most popular dish?
People are in love with our flatbread! Right now our most popular one is the sausage and mushroom flatbread.

​If this interview got you hungry, go check them out! We love showcasing local businesses! If you would like to be featured on our site, please let us know! [email protected] 

Oven + Vine: http://ovenandvine.com 
14 W Vernon Ave, Phoenix, AZ 85003
Birdhaus Coffee: http://birdhauscoffee.com
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Mmmm... Lasagna!
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High Balance Convention Loan up to $679,650!

5/17/2018

 
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Are you looking for a larger home mortgage loan, but don't want to go through the process of getting a jumbo loan? Well you're in luck! The #1 wholesaler in the country offers a great product that we have used with many of our clients. 

We now offer a High Balance CONVENTIONAL loan up to $679,650!

  • We can go up to 90% Loan to Value on purchases and on refinances up to 80%!
  • A Minimum FICO of 680; Max DTI of 43%
  • This product is for loan amounts $453,101-$679,650
  • Can be used for primary and second homes
  • No mortgage insurance certificate needed
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At Road to Home mortgage we love this product because the rates are better, the guidelines are easier, and the turn times on this product is faster than on Jumbo loans! Call us today to get current home mortgage rates, and see what Road to Home Mortgage can do for you and your clients!
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Spotlight Realtor: NICK PTAK

5/15/2018

 

Nick Ptak from The Brokery 

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At Road to Home Mortgage, we help share and grow the businesses of people we trust. Nick Ptak is our first Spotlight Realtor. Buying or selling a home? Nick has you covered! Below is a short interview we had recently with Nick. Hope you enjoy it! 

How long have your done Real Estate in Arizona?

I have been working in the Phoenix market for 3 years. I was born and raised in North Phoenix and I've enjoyed every moment of working in real estate! 

Where do you see the Phoenix market going in the next 3 years?

I look at a neighborhood like Arcadia and think the trends that are happening there now will spread through the Valley. I think we will see a lot of the older properties in Downtown and Mid-town getting flipped or renovated. Keep an eye on the  the 85254 zip code, there is plenty  of potential there. 

As for home prices, those will continue to go up through the year but I believe they will level off after that. 

Why do you your work with road to Home Mortgage?

I work with them for the great interest rates and closing date reliability. I know that I can reach them 7 days a week. Every deal we have done together has felt like a total team effort. 

How can our clients contact you?
​My cell is : 602-625-0239
Email: [email protected]     
Instagram: nick_ptak_realty
Facebook: www.facebook.com/ptakrealty

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NMLS for Road to Home Mortgage, LLC # 1752943
​AZ MB# 0907030
CA License #: 60DBO87245 
OR License # ML-5721
​
7220 N 16th St Ste A Unit 1
Phoenix, AZ 85020
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