Brian Irby Mortgage

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Think you need to be rich to buy a house? 👀There’s this idea floating around that you need 20% down, perfect credit, and...
06/18/2026

Think you need to be rich to buy a house? 👀

There’s this idea floating around that you need 20% down, perfect credit, and a six figure salary before you’re even allowed to start looking. Not true 🙅‍♂️

Someone making $80k a year is often closer to qualifying than they’d ever guess. Lenders look at the whole picture, your income, your debts, your credit, and what you’ve got for a down payment. Put it together and that buyer could be looking in a range most people assume is way out of reach 🏡

The biggest thing I see costing people? Counting themselves out before they ever run a single number 😅

You don’t have to be ready to buy tomorrow. But knowing where you actually stand today changes everything. Send me a message and let’s take a look together 📲

Mortgage Advisor | Loomis Home Mortgage | Licensed in AZ, CO, OR, WA, FL, TX | 602-703-1212

06/17/2026

These two get used like they mean the same thing. They really don’t, and the difference can cost you a house 👀

A pre-qualification is basically an estimate. You tell the lender what you make, what you owe, roughly where your credit sits, and they hand back a ballpark. No documents, no verification. It’s a fine starting point, but that’s all it is 📝

A pre-approval is the real deal. Verified income, verified assets, an actual credit pull. The lender has looked under the hood and confirmed what you can do 💪

Here’s why it matters when you’re making an offer. Sellers take pre-approved buyers more seriously, because that letter means the financing is far more likely to hold up. In a competitive market, a pre-qual letter usually gets passed over for someone who did the full step 🏡

If you’re getting close to making a move, get the real one done first. Send me a message and I’ll walk you through what it takes 📲

Mortgage Advisor | Loomis Home Mortgage | Licensed in AZ, CO, OR, WA, FL, TX | 602-703-1212

There’s so much bad info out there about buying a home 👀Some of it sounds right. Some of it used to be right. And some o...
06/16/2026

There’s so much bad info out there about buying a home 👀

Some of it sounds right. Some of it used to be right. And some of it is just costing people money they don’t need to spend.

You don’t need perfect credit and a giant pile of cash. You don’t have to be debt free first. And there’s no magical perfect market sitting out there waiting for you 🏡

Most people are way closer to ready than they think. The only way to actually know is to look at your real numbers, not the version in your head or whatever your uncle told you at Thanksgiving 😅

If any of this sounds familiar, send me a message and we’ll figure out where you actually stand. No pressure, just a straight answer 📲

Mortgage Advisor | Loomis Home Mortgage | Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

06/15/2026

They said just be yourself 🤷‍♂️

So I did. And now the Uber driver who picked me up 11 minutes ago is rethinking renting and wants me to run his numbers 🚗

This is what happens when you love what you do. I can’t help it. Somebody mentions rent going up and I’m already doing math in my head 😅

But honestly? That’s the whole thing. I’d rather talk about this stuff in the back of an Uber than have you sit on questions for two years because you were scared of the answer 🏡

Wherever you’re at, even if you’re just curious, my message box is always open. Worst case you find out you’re closer than you thought 📲

Mortgage Advisor | Loomis Home Mortgage | Licensed in AZ, CO, OR, WA, FL, TX | 602-703-1212

06/11/2026

Closing costs sound way scarier than they actually are 👇 Here’s the simple version, broken into three buckets.

Escrow and title. The folks making sure the home legally becomes yours. Title insurance, escrow fee, notary, recording fee 📋

Prepaids and impounds. Not really fees, just things you’d pay anyway, collected upfront. Homeowners insurance and property taxes that go into escrow and work for you 🏡

Lender fees. The cost of actually building your loan. Appraisal, credit report, origination charges 💼

Most buyers see one big number and panic. Once you know what each piece is, it stops being mysterious and starts being manageable 👀

And a good chunk of this can be negotiated or covered by seller credits.

Want your real numbers? DM me and I’ll break it down for your exact scenario 📲

If your mortgage broker didn’t ask you these questions, that’s a problem 🚩Your 3 to 5 year plan. Your real income stabil...
06/10/2026

If your mortgage broker didn’t ask you these questions, that’s a problem 🚩

Your 3 to 5 year plan. Your real income stability. What you’re actually comfortable paying, not just what you qualify for on paper. The right loan depends on all of it 👀

Prescription without diagnosis is malpractice. If a lender isn’t curious about where you’re headed, they aren’t protecting your future 🛡️

A low rate means nothing if the loan fights your goals down the road.

Want a lender who asks the right questions first? DM me 📲

Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX

06/09/2026

You don’t need everything lined up to talk to a lender. The conversation is what gets you lined up 🏡

Stuff people wait on that they really shouldn’t:

Perfect credit. We can build a plan to get you there. Sitting in silence just costs you months 📊

The full down payment saved. There are programs and numbers that might already be options you don’t know about 💰

Finding the house first. That’s backwards. Know your budget before you fall for something out of range 👀

Feeling “ready.” Nobody feels ready. Ready comes from information, not a gut feeling 🙌

The truth is the perfect moment to start is just the moment you decide to ask. That first conversation costs you nothing and tells you everything.

When you’re ready, send me a message and let’s see where you actually stand 📲

Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

Back in my DILF era 😏 Deals I Love to Fund, part two.This one had everything that makes most lenders flinch. Self-employ...
06/08/2026

Back in my DILF era 😏 Deals I Love to Fund, part two.

This one had everything that makes most lenders flinch. Self-employed. First-time buyer. Rural property. 626 FICO. A business that hadn’t even crossed the 2-year mark yet 👀

Most would’ve called it a dead end. I called it a bank statement loan and got it done 💪

Not every file fits neatly in a box, and those are exactly the ones I like 🏡

Got a situation that doesn’t look textbook? Let’s talk. DM me 📲

Brian Irby | Loomis Home Mortgage | 602-703-1212

06/05/2026

The cost of waiting isn’t just the rate. It’s the mental space it takes up. 💭

It’s scrolling Zillow at night knowing you’re not actually doing anything about it. It’s telling yourself “next year” for the third year in a row and not being any closer, because nothing has changed except the timeline. 🏡

Waiting feels safe because it feels like you’re not making a wrong decision. But not deciding is a decision. And the longer you sit there, the heavier it gets.

The buyers who feel the most relief aren’t the ones who got the best rate. They’re the ones who finally sat down, looked at their real numbers, and realized they had more options than they thought. 💡

If you’ve been thinking about it for a while and you’re still in the same place, that’s not patience.
That’s not having a plan.

Let’s build one. Send me a message. 📲

Brian Irby Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

Most people think my job is just “getting you a loan.” 🏡But so much of what I actually do happens before you ever sign a...
06/04/2026

Most people think my job is just “getting you a loan.” 🏡
But so much of what I actually do happens before you ever sign a thing.

Sitting down with clients to map out what buying really looks like, comparing rates across hundreds of lenders, staying on top of guidelines that change constantly, and keeping your file moving so nothing slips. 📋

And my favorite part? Popping a bottle when the keys are finally in your hand. 🥂🔑

This is the behind the scenes most people never see, and it’s exactly why having someone in your corner matters. 😊

Curious what this would look like for you? Send me a message anytime.

Mortgage Advisor | Loomis Home Mortgage
Licensed in AZ, CO, OR, WA, FL, TX
602-703-1212

Address

3948 E. Lafayette Avenue
Chandler Heights, AZ
85298

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