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My Mortgage PHD Offers Valuable Advice For Refinancing Arizona Home Mortgages Loans


Interest rates have dropped, the AZ home real estate market is now a “buyer’s market”, and home mortgage holders are scrambling to refinance their home loans. “It sounds GREAT, but... beware!” says Larry Rogers, “The Dean” of My Mortgage Phd. He continues, "keep in mind that Arizona mortgage companies, mortgage brokers, and home lenders are in this industry to make a profit... often at the expense of the home owner and his or her family.”

Through the years, Larry has seen quite a few horror stories. They range from 125% home mortgages that locked growing families into ’too-small’ homes that no longer fit their needs, to adjustable rate mortgages whose payments ballooned overnight- often doubling. Many individuals in Arizona and across the country were left with lost home equity , squandered retirement funds, dwindled college savings, and even foreclosed homes.

“Now definitely IS a great time to explore re-financing that mortgage... as long as you explore all the complex refinance and home equity issues that arise,” continues the “The Dean” of My Mortgage PHD. On his new website,, Larry offers advice and counseling on how to come up with the best option that fits the consumer’s unique needs... NOT the option that results in the highest commission for the mortgage broker, company, or lender.

Larry says, "FIRST of all, I’m NOT here to collect your personal information...I DO NOT want your social security number! I DO NOT want your credit history! I DO NOT want your personal financial records! Let’s talk mortgages, and come up with the BEST home mortgage loan package to suit your specific needs and goals! You make the decisions, I just help guide you through the process!


 home loans
 Arizona AZ

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