Loans

Necessary or unplanned, financial emergencies happen. Or maybe you’re looking to make a big purchase; there are multiple reasons on why it may be necessary to take out a loan. Find out when it’s more than reasonable for a new loan to occur.… Read More


Here are 10 key questions we recommend that you ask when it comes to applying for a mortgage. These won’t ensure the best mortgage loan you can dream of, but these will help and ensure that you are getting the best deal out there. If you have already chosen your lender and are getting ready… Read More


Some lenders charge borrowers so-called “junk fees” such as application or administrative type charges. These aren’t really junk, just additional fixed fees a lender has the latitude to charge although not all do so. Applied less frequently and calculated as a percentage of a total loan amount, some lenders charge an upfront “origination fee” for… Read More


Visit www.SixStepsToAHomeLoan.com to download and enjoy, How to Get a Stellar Home Loan: Six Steps to the Best Mortgage at the Lowest Rate with the Fewest Headaches. With our friends at KTAR, Galaxy is posting a series of blogs to help borrowers understand lender fees, shop for a loan, and choose between a bank and a mortgage broker. Click here to… Read More


Jay Luber, president of Phoenix-based Galaxy Lending, is a veteran of Arizona’s mortgage market. His thoughts and advice for borrowers:… Read More


The expansion of the Home Affordable Refinancing Plan was announced last November, and some lenders have begun taking applications. But the federal government had to work out some issues with the program and lenders before it could officially launch it. An earlier version of HARP allowed homeowners with mortgages backed by Fannie Mae and Freddie… Read More