Robert Foreman - Loan Officer - NMLS 916099 at AZ Mortgage Group LLC

05/23/2025

Mortgage Rates Are Up—but That’s Not Why Most People Refinance
Sure, 30-year mortgage rates just hit 6.86%, their highest point in over a year. But let’s be honest—that’s not the rate that’s hurting most families.

What’s rising faster?
📈 Credit card interest rates—now over 21% nationally.
📈 Auto loan rates—hovering around 8%.
📈 Personal loan rates—climbing just as fast.
📉 Delinquencies are also creeping up, and household debt continues to surge.

So what’s the solution? For many, it’s not selling your home—it’s restructuring your finances.

This might mean using your home’s equity to pay off high-interest debt and breathe again. You don’t have to wait for a 4% mortgage market to improve your monthly cash flow.

👉 Let’s talk. No pressure. No assumptions. Just a look at the numbers.
📞 Book a Free Consultation
https://lnkd.in/gKKypNek

💸 Need a Loan or Refi?
https://lnkd.in/gW78baJG

🏠 What’s Your Home Worth?
https://lnkd.in/gKJ3d6PW

05/22/2025

🏠 Active Listings Across the Valley – Explore What’s Available Now
From golf course living in Cave Creek to family-friendly homes in Mesa, Peoria, and Tolleson, we have listings that offer location, value, and lifestyle.
Here's what’s currently active:

🔹 📍 NEW LISTING – 10526 W Tonopah Dr, Peoria, AZ 85382
Enjoy an adult lifestyle in this beautiful home nestled in the Ventana Lakes community—pride of ownership in every room.
https://lnkd.in/gfGFf8_6

🔹 📍 NEW LISTING – 5336 E Gloria Ln, Cave Creek, AZ 85331
Charming desert retreat on a premium lot. Light-filled interiors, upscale finishes, and a peaceful Cave Creek location.
https://lnkd.in/gn2XftMn

🔹 📍 9352 W Pioneer St, Tolleson, AZ 85353
Spacious 5-bed home with vaulted ceilings, upgraded kitchen, RV gate, and flexible floor plan perfect for multi-gen living.
https://lnkd.in/gXCfk7zz

🔹 📍 4864 E Eden Dr, Cave Creek, AZ 85331
Gated Tatum Greens home backing to the golf course. 3-car garage, remodeled interior, and backyard oasis with resurfaced pool.
https://lnkd.in/g9UfpzBM

🔹 📍 11040 E Tumbleweed Ave, Mesa, AZ 85212
Flexible 4-bedroom home in Bella Via with saltwater pool, loft + den, and modern finishes. Just minutes from Eastmark and Mesa Gateway.
https://lnkd.in/gyeFKEzT

📌 Want to schedule a private tour or talk about listing your current home? I’m happy to help.

But here’s the real question… What is your real estate broker doing for you?

💰Homebuyers: I always rebate 25% of my commission towards your closing costs because I want your business for life. My goal is to help you keep more money in your pockets and secure the best possible deal on your new home.

📞 Let’s Make Your Homeownership Goals Happen!
📞 Contact Me:
Robert Foreman: 480-415-0783 | [email protected]

👉 Schedule an Online Consultation:
https://lnkd.in/gKKypNek

🏠 Curious About Your Home’s Value?
Download an Instant Estimate at ArizonaHouseValues.net

🔎 Search Phoenix Listings:
https://lnkd.in/gyqC8Aef

💸 Need a Loan?
👉 https://lnkd.in/gW78baJG

Let’s find your next home — or help you sell the one you’re in.

05/13/2025

I’m excited to share an Open House at 4864 E Eden Dr, Cave Creek, AZ 85331 this Saturday and Sunday, May 17 & 18!

This stunning single-family home offers:

4 bedrooms, 2.5 bathrooms, 2,580 sq ft of living space Zillow

Gated Tatum Greens community, backing to the 4th tee box of Tatum Ranch Golf Club with a private golf-cart gate

Open floor plan on the main level with custom niches and a cozy fireplace

Chef’s kitchen with a large island, custom cabinetry, stainless-steel appliances, and a rich stone backsplash

First-floor primary suite featuring an updated en-suite bath and spacious walk-in closet

📆 Open House:

• Saturday, May 17, 12:00 PM to 2:00 PM

• Sunday, May 18, 12:00 PM to 2:00 PM

For details on open-house hours or to schedule a private tour, reach out to Georgianna Hormann at (907) 830-4436.

🔗 Learn more: https://www.flexmls.com/share/C9i4r/4864-E-EDEN-DR-Cave-Creek-AZ-85331

Gorgeous 4-bedroom home w/loft and three-car garage in the gated Tatum Greens community. Your new home backs to the 4th tee box of Tatum Ranch Golf Club, complete with a private entry gate to the golf cart path . The main floor has an open floor plan with custom niches and a fireplace. First floor m...

04/28/2025

🏠 2 Stunning Homes. 2 Price Points. 2 Incredible Locations Across the Valley.
Whether you're dreaming of golf course views, a modern family-friendly layout, or a lake community lifestyle, we’ve got something for everyone!

👇 Take a tour of these featured listings:
📍 Cave Creek | $799,900
Luxury meets location in this gated Tatum Greens beauty — 4 beds + loft, a first-floor primary suite, and direct golf course access to Tatum Ranch. The backyard is an entertainer’s paradise with a resurfaced pool and lush lighting.
🔗 View more
https://lnkd.in/g9UfpzBM

📍 Mesa | $624,995
In the sought-after Eastmark community, this home is move-in ready with 3 beds + den, upgraded kitchen, and stylish plank flooring. Enjoy all the community parks, events, and amenities that make Eastmark one of the most loved neighborhoods in Mesa.
🔗 View more
https://lnkd.in/gyeFKEzT

🔑 Whether you're a first-time buyer, upgrading, or relocating, there's a home waiting for you.

📲 DM me for showings or to get prequalified!
🏡 Robert Foreman, REALTOR® – HomeSmart
📧 [email protected]
📱 480-415-0783

04/10/2025

🏠 3 Stunning Homes. 3 Price Points. 3 Incredible Locations Across the Valley.
Whether you're dreaming of golf course views, a modern family-friendly layout, or a lake community lifestyle, we’ve got something for everyone!
👇 Take a tour of these featured listings:
📍 Cave Creek | $799,900
Luxury meets location in this gated Tatum Greens beauty — 4 beds + loft, a first-floor primary suite, and direct golf course access to Tatum Ranch. The backyard is an entertainer’s paradise with a resurfaced pool and lush lighting.
🔗 View more
https://lnkd.in/g9UfpzBM

📍 Mesa | $624,995
In the sought-after Eastmark community, this home is move-in ready with 3 beds + den, upgraded kitchen, and stylish plank flooring. Enjoy all the community parks, events, and amenities that make Eastmark one of the most loved neighborhoods in Mesa.
🔗 View more
https://lnkd.in/gyeFKEzT

📍 Avondale | $415,000
Enjoy lake views and a serene vibe in Garden Lakes. This charming 4-bed, 2-bath home features vaulted ceilings, a beautiful kitchen with granite counters, and access to scenic walking paths just steps away.
🔗 View more
https://lnkd.in/g6SYsx3K

🔑 Whether you're a first-time buyer, upgrading, or relocating, there's a home waiting for you.

📲 DM me for showings or to get prequalified!
🏡 Robert Foreman, REALTOR® – HomeSmart
📧 [email protected]
📱 480-415-0783

07/27/2024

Freddie Mac Weekly Mortgage Rate Survey for July 25, 2024
Mortgage Rates Show Little Movement
July 25, 2024

Mortgage rates essentially remained flat from last week but have decreased nearly half a percent from their peak earlier this year. Despite these lower rates, buyers continue to pause, as reflected in tumbling new and existing home sales data.

Considering Refinancing? Fed Rate Cuts Could Be Your Opportunity!

If you purchased your home from late 2022 until now, upcoming Fed rate reductions might make refinancing more attractive. A predicted 25 basis point cut could happen as soon as the end of the month. Lower your mortgage rate, reduce your term, or tap into your home equity for improvements and investments.

Options with Your Home Equity:
Pay off Student Loans
Consolidate Debt
Home Improvements
Eliminate Mortgage Insurance
Free Up Money to Invest
Buy Another Home

Call or message me today to discuss options.
I am your One-Stop for Real Estate and Mortgages.
Schedule an Online Consultation:
https://lnkd.in/dSyx2JC

What’s Your Home Worth?
Download an Instant Estimate at
ArizonaHouseValues.net

Search Phoenix Listings at
https://lnkd.in/gkmWvvm

Search New Build Communities at
https://lnkd.in/eRz8h9H

Source: Freddie Mac: https://lnkd.in/eZpg3k86

Read the weekly Freddie Mac Mortgage Rate Survey at LivingInPhoenix. Call or message Robert anytime with your loan scenarios.

06/11/2024

🚀 Your First Choice for Real Estate Investor Loans! 🚀
At AZ Mortgage Group, we offer unparalleled loan products tailored for real estate investors with 24-hour approval turn times.
Here’s a snapshot of our top offerings:

🔹 Non Owner/No Income/No Job Loan
The best DSCR loan in the country with >1.0 DSCR.
Up to 80% LTV for Purchase and R&T Refi with 700+ FICO.
Unlimited cash in hand, no LTV restrictions.
Condotels and foreign nationals allowed.
Minimum 640 FICO.

🔹 No Ratio / No DSCR Loan
No minimum DSCR required.
Up to 75% LTV for Purchase and R&T Refi with 700+ FICO.
Condotels and foreign nationals allowed.
Minimum 660 FICO.

🔹 For Experienced Investors
DSCR 1.25%, 85% LTV Purchase with 740+ FICO.
Up to $3.5M loan amount.
Unleased properties and 100% gift funds allowed.

🔹 For Residential 5-8 Units, Including Mixed Use
Up to 75% LTV Purchase with 700+ FICO.
Cash out up to $1M.
Experienced investor required.

🔹 Bridge Loan for 1-4 Units
75% LTV Purchase with 680 FICO.
No prepayment penalties.
First-time homebuyers and investors welcome.

🔹 Bridge Loan for 5-25 Units, Including Mixed Use
75% LTV Purchase with 680 FICO.
No prepayment penalties.
Short term rentals and vacant units allowed.

🌟 Why Choose Us?
Fast Approvals: 24-hour turn times on approvals and stipulations.
Flexible Options: No reserves required on purchases or R&T Refi

Call Robert anytime to learn more about the suite of loan products available for the real estate investor.

05/21/2024

Phoenix Housing Market Report for April 2024 (Source: ARMLS)

The Phoenix Housing Market report provides a timely view of what is happening in the residential market in the Valley. Unlike statistics compiled by other entities, it does not rely on data from third-parties delivered 30 to 90 days late. This report looks at sales and active inventory, including details on sales prices, listing prices, foreclosures, pending sales, distressed sales, Days on Market, Month Supply of Inventory with a short commentary.

Click on the link to download the latest Phoenix Housing Market Report: April 24 Housing Report

What’s Your Home Worth?
Download an Instant Estimate at
ArizonaHouseValues.net

What are your options?
Let’s discuss – Schedule a Free Consultation:
https://lnkd.in/dSyx2JC

Search Phoenix Listings at
https://lnkd.in/gkmWvvm

Download the latest Phoenix Housing Market report at Home & Away Realty. Call or message us today to learn more.