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Stated Income

With Good Credit, there are a lot of attractive programs that even offer financing up to 100% of the sales price of a home.  The programs are too complex in all the pricing variables to quote the rate here however.  Please give one of us a call, we can walk you through the details.






More Customer Testimonials




Rod and his son Braydon


National Champions


Bantam Tier II
















If you know anyone who is looking to buy, sell or refinance a home, please forward their name and telephone number to us. We will happily provide the same high level of service that we have provided to you. The greatest compliment you could possibly give us is the referral of your friends and family.












The Difference Between Pre-Qualification and Pre-Approval


Pre-qualification is the first step in obtaining mortgage financing. A potential borrower answers a few questions to provide the loan consultant with a quick snapshot of the borrower's income, existing debt, accumulated savings and whether or not there is a co-borrower. Signature(s) allow the loan consultant to run a credit report and begin to determine what loans are good candidates for this particular client. However, there are literally thousands of loan programs available. It is important for the loan professional to know the long-term financial objectives of the prospective homeowner.

Pre-approval is a written documentation that proves the borrower has full support of a lender. It means the form 1003 Uniform Residential Loan Application has been completed and reviewed by an underwriter. Based on the borrower's income, debt ratio and savings, the underwriter will provide a dollar amount this borrower is eligible for. Now the borrower has the convenience of shopping for a home in the price range agreed upon by the lender.
Rod Dennis, President



America's Mortgage Store is a team of experienced and knowledgeable professionals who are dedicated to building strong, long-term relationships with our customers.  Our commitment to the basic value of integrity has allowed us to establish the customer referral business that every service-oriented industry strives for.


We are in business to meet your financial needs with action, enthusiasm, and creativity.  That means when you work with us you'll know that you are trusting your finances with experienced professionals who will offer the in-depth knowledge and devotion a customer deserves.  We have numerous programs available to fit every financial need.  Read more...

Rod Dennis - President





Mission Statement

Customer Testimonials

Meet Our Experts...

Rod Dennis,


Pro Mortgage Planner




Susanna Lydic,

Vice President

Operations -Processing




Dan Gronseth,

Loan Officer

Pro Mortgage Planner





A team of experienced and knowledgeable professionals,

dedicated to building strong, long-term relationships with our customers. 


Our Mission Statement




We stand behind our word.

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If I Sell My Home, Will I Have to Pay Capital Gains Tax?


The IRS permits a maximum exclusion on capital gain of $250,000 for individuals and $500,000 for married couples filing a joint return who sell their home, but of course some conditions apply.

For the five-year timeframe prior to the date of the sale of your primary residence, you must meet the Ownership and Use Tests the IRS provides in Publication 523, Selling Your Home. These rules ensure you have owned the home for at least two years, and lived in the home for at least 24 months out of the last five years. Additionally, you may not have excluded a gain on your taxes from the sale of a different home within the last two years. Note that if you sell your property for less than your original purchase price, you cannot claim a capital loss.

A 'reduced maximum exclusion' can apply to those who must sell their home due to a change in their place of employment, health issues, or unforeseen circumstances that affect qualified individuals. In all cases, it is best to consult your tax professional or IRS guidelines if you have any questions about the taxes you may be responsible for if you sell your home.


100% Financing

100% financing is available for refinance or purchase with credit scores dipping as low as 560. Many different programs exist, however an 80/20 loan is most often recommended. 80% of the value is put in a variety of first mortgage packages with the remaining 20% in a fixed rate second mortgage or a line of credit. The major reason for a cutoff at 80% is the ability to avoid mortgage insurance.  Read more...

"Your Best Interest!"

Intermediate Fixed Rate Loans


Intermediate Fixed Rate mortgages (sometimes referred to as Short-Term Fixed Rate mortgages, or Hybrids) come in numerous varieties; the 3, 5, 7 and 10-Year Fixed. These are all 30-year loans that carry a fixed rate for a set number of years, and then roll over to an Adjustable Rate Mortgage.

For example, in a 7-Year Fixed Rate scenario, the rate would be fixed the first seven years, and the loan becomes an Adjustable for the remaining 23 years. The main advantage of these hybrid programs over a traditional 30-Year Fixed loan is typically a slightly lower interest rate.

These types of loans often work well for people who do not plan on being in their home for an extended period of time, such as first time home buyers. The most important question to ask when going into an Intermediate Fixed Mortgage is how long will the borrower need the money?

If the borrower intends to sell the home in four to five years, then a 5-Year Fixed loan offers stability and a lower interest rate for the time that money is needed. However, in this example it would not be wise to pay points up front to obtain a lower interest rate, because the likelihood of recuperating the cost of those points would be diminished with the short tenure in the loan.

The borrower's financial planner and mortgage consultant should work hand-in-hand to provide guidance to the borrower in these matters.

ARM Indexes: A 10-Year Comparison


The Power of Appreciation Calculators

Housing is the greatest asset a person can control for the growth of wealth.  The appreciation of real estate has averaged in the United States 6.35% per year since 1980.  The ability to leverage that appreciation with a small down payment allows your investment to grow exponentially.  The calculators below show how the power of appreciation can make you money. 

Compare City

Use this calculator to determine the possible appreciation and profit from the ownership of your primary residence.  Inflation, appreciation, interest rates and taxes all play significant factors that effect the value of home ownership.

Rental Property

Use this calculator to analyze a residential investment home.  Appreciation, depreciation, rent, maintenance and interest rate are all things to consider in rental ownership.

Amortization Schedule

A simple amortization schedule that will allow you to make changes and see the impact of that change in the amortization.


































America's Mortgage Store is proud to be a co-sponsor for the year's Inaugural Wolfpack Classic Golf Tournament benefiting Desert Mountain Athletic Boosters Inc. - Varsity Cheer, a non-profit organization supporting Desert Mountain High School Varsity Cheer Team.  Read more...










Sharp as Tax

Fully deductible interest.  In most cases, you will be able to deduct all of your home mortgage interest. Whether it is all deductible depends on the date you took out the mortgage, the amount of the mortgage, and your use of its proceeds. 

If all of your mortgages fit into one or more of the following three categories at all times during the year, you can deduct all of the interest on those mortgages. (If any one mortgage fits into more than one category, add the debt that fits in each category to your other debt in the same category.) If one or more of your mortgages does not fit into any of these categories, use Part II of this publication to figure the amount of interest you can deduct. 

Click here for the IRS Mortgage Guidelines Publication

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For the best education possible in real estate investing contact AZREI. We are proud to be a member of this organization and an exhibitor at their exhibitions.

For Upcoming Meetings, Education, and Seminars visit


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