JHL Mortgage Inc, NMLS 2573609

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JHL Mortgage Inc, NMLS 2573609 With 40+ years of expertise in the residential mortgage industry, Jim Lyddon NMLS 14504, has established a legacy of excellence and innovation.

Jim has been a key contributor and owner to two companies that funded billions. Equal Housing Lender

Most buyers hold back because they don’t want to be the difficult one. They worry a single question will scare off the s...
10/07/2026

Most buyers hold back because they don’t want to be the difficult one. They worry a single question will scare off the seller or sink the deal.

It usually won’t. Asking is a normal part of buying a home, and the worst answer you can get is a no. You’re no worse off than before you asked.

Your agent knows what’s reasonable in your market, and I can show you what each ask could mean for your monthly payment. Swipe through, pick the ones that fit, and let’s talk before you write your next offer.

At JHL, we do it well.
Jim Lyddon, JHL Mortgage Inc.
602.290.0897
NMLS #14504 | Company NMLS #2573609
Equal Housing Opportunity

Writing an offer is exciting. Writing a good one starts with five money questions.Swipe through and ask these before you...
10/06/2026

Writing an offer is exciting. Writing a good one starts with five money questions.

Swipe through and ask these before you make an offer:

1. What monthly payment is truly comfortable for us, and what number would make us resent this house?
2. How much cash do we need beyond the down payment?
3. Which offer terms could put our financing at risk?
4. What is our plan if rates move before we close?
5. If something goes sideways, what happens to our earnest money?

A preapproval tells you what a lender will approve. It does not tell you what feels good to live with. The buyers who ask these questions early are the ones who close without the stress.

Save this post and send it to your agent so you are both working from the same page.

Want a second set of eyes on your numbers before you make an offer? Send me a message and I will help you map it out. I would love to help you get this right the first time.

Jim Lyddon NMLS #14504
JHL Mortgage Inc. NMLS #2573609
Equal Housing Opportunity

preapproval homebuyer

L

I’ve been doing this a long time, and here’s what I hear more than anything from first time buyers:“I’m just not ready y...
10/03/2026

I’ve been doing this a long time, and here’s what I hear more than anything from first time buyers:

“I’m just not ready yet.”

When we actually sit down and look at the numbers, that’s often not the case. Income, credit, savings, debt, rates. Most people count themselves out on one of these before anyone has looked at their real situation.

I’d rather you make that call with the facts in front of you, not a guess.

So if any of these five sound familiar, let’s talk. No pressure and no obligation, just an honest look at where you stand and what it would take to get you into a home of your own.

Call or text me at 602.290.0897, or send me a DM.

At JHL, we do it well.

Jim Lyddon | NMLS #14504
JHL Mortgage Inc. | NMLS #2573609 | Equal Housing Lender

Six figures doesn’t stretch like it used to.SmartAsset just updated its numbers on what a single adult needs to earn to ...
09/29/2026

Six figures doesn’t stretch like it used to.

SmartAsset just updated its numbers on what a single adult needs to earn to live comfortably in every state. Comfortable here means covering your needs, still enjoying life, and putting 20% toward savings and paying down debt.

The range runs from $81,245 in West Virginia to $129,002 in Hawaii. In 23 states it now takes more than $100,000.

Closer to home, Arizona comes in at #18 at $101,795. Colorado ranks #9, New Mexico #31 and Texas #34.

For most families, housing is the biggest piece of that “needs” bucket, and that’s where the right loan makes a real difference. If you’re thinking about buying, moving or refinancing, I’d love to sit down and look at your actual numbers with you.

Swipe through to find your state, and send this to someone who’s weighing a move.

Source: SmartAsset 2026 study, based on MIT Living Wage Calculator data.

A good lender does more than get you to the closing table. The real job is helping you make a decision that actually wor...
09/26/2026

A good lender does more than get you to the closing table. The real job is helping you make a decision that actually works for your life.

That’s why I started JHL. After a long career in this business, including building a big company, I wanted to get back to doing this the right way, one relationship at a time.

To me that means straight answers, clear communication, loan options you truly understand, and someone who’s still in your corner long after the papers are signed. 👏

Swipe through to see what you’ll never get from me, and what you can always count on.

If you’re thinking about buying, refinancing, or just want someone to walk through your numbers with you, call or text me at 602.290.0897. No pressure, just a straight conversation.

I’m not here just to get your loan done. I’m here to help you, because at JHL, we do it well.

Fall doesn't get the attention spring does, but it's one of my favorite seasons to help people buy.The summer rush is be...
09/25/2026

Fall doesn't get the attention spring does, but it's one of my favorite seasons to help people buy.

The summer rush is behind us, and buyers usually have a little more room to think. A strong offer can also include more than the price. Asking the seller to help with closing costs, or to buy down your rate, is fair game and worth talking through before you write the offer.

The one step I'd never skip is getting preapproved before you start touring. When you know your number going in, you shop with confidence and you don't fall for a home you can't comfortably afford.

If you're thinking about a move before the holidays, call or message me. Even if you're a year out, I'm happy to sit down and walk through what makes sense for you.

📞 602.290.0897

Jim Lyddon | NMLS #14504
JHL Mortgage Inc. | NMLS #2573609

Fall doesn’t get the attention spring does, but it’s one of my favorite seasons to help people buy.The summer rush is be...
09/24/2026

Fall doesn’t get the attention spring does, but it’s one of my favorite seasons to help people buy.

The summer rush is behind us, and buyers usually have a little more room to think. A strong offer can also include more than the price. Asking the seller to help with closing costs, or to buy down your rate, is fair game and worth talking through before you write the offer.

The one step I’d never skip is getting preapproved before you start touring. When you know your number going in, you shop with confidence and you don’t fall for a home you can’t comfortably afford.

If you’re thinking about a move before the holidays, call or message me. Even if you’re a year out, I’m happy to sit down and walk through what makes sense for you.

📞 602.290.0897

For buyers, that changes things. You have more homes to choose from, less competition, and more room to negotiate on pri...
09/23/2026

For buyers, that changes things. You have more homes to choose from, less competition, and more room to negotiate on price, repairs, and credits. In some cases the seller can even help buy down your rate.

A lot of people tell me they're waiting for rates to come down before they buy. But I've never met anyone who timed it perfectly, and life doesn't wait for the market. If it's the right home and the payment fits, that's what matters.

If you want to sit down and look at your real numbers, we are happy to help. DM me or call/text 602.290.0897.

At JHL, we do it well.

Jim Lyddon NMLS #14504 | JHL Mortgage Inc. NMLS #2573609 | Equal Housing Opportunity

I’ve been doing this a long time, and I’ve watched rates go up and down more times than I can count. The Fed raised rate...
09/23/2026

I’ve been doing this a long time, and I’ve watched rates go up and down more times than I can count. The Fed raised rates last week, and that’s what everyone is talking about. What’s getting less attention is that inventory is up from a year ago.

For buyers, that changes things. You have more homes to choose from, less competition, and more room to negotiate on price, repairs, and credits. In some cases the seller can even help buy down your rate.

A lot of people tell me they’re waiting for rates to come down before they buy. But I’ve never met anyone who timed it perfectly, and life doesn’t wait for the market. If it’s the right home and the payment fits, that’s what matters.

If you want to sit down and look at your real numbers, we are happy to help. DM me or call/text 602.290.0897.

At JHL, we do it well.

Jim Lyddon NMLS #14504 | JHL Mortgage Inc. NMLS #2573609 | Equal Housing Opportunity

Address

7344 E. Solano Drive
Scottsdale, AZ
85250

Telephone

+16022900897

Website

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