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Home
Search For Homes
Phx Metro Home Values
Just For Agents
- Learn How To Market Yourself
  - Menu of Services
Buyers
Refinance
Check Schools
- National Center for Education
Credit
- What's The Wait
- Navigating the Credit Maze
Meet Karen
Meet Tina
Educational Guides (Tools)
Online Reviews
Contact
Home Loan Programs
Karen's Blog
Apply Now
Help Us Help Others

Karen's Learning Blog

Discover Information About the Real Estate and Lending Industry!

#homeloansbykarenjones, phoenix mortgage rates, first-time homebuyer phoenix, should i wait to buy a home

Should You Wait for Mortgage Rates to Drop in 2026? Why Buying Strategies and Permanent Rate Buydowns Matter More.

$Picture of {{ content.blog_author.display_name }}$ Home Loans by Karen Jones

Feb 6, 2026 11:11:48 AM

The Fed Stayed Calm — Here’s What That Means for Homebuyers The Federal Reserve’s latest message was...

#homeloansbykarenjones, first-time homebuyer phoenix

Stop Guessing, Start Planning: How a Certified Mortgage Loan Advisor Solves the Credit Score Dilemma.

$Picture of {{ content.blog_author.display_name }}$ Home Loans by Karen Jones

Jan 15, 2026 9:27:03 PM

The Credit Score Myth Keeping Potential Homeowners on the Sidelines Are you sitting on the sidelines...

#homeloansbykarenjones, phoenix mortgage rates, first-time homebuyer phoenix, should i wait to buy a home

Not Sure If You’re Ready To Buy a Home? Ask Yourself These 5 Questions

$Picture of {{ content.blog_author.display_name }}$ Home Loans by Karen Jones

Jan 12, 2026 10:15:00 AM

Not Sure If You’re Ready To Buy a Home? Ask Yourself These 5 Questions By Karen Jones, Home Loans by...

#homeloansbykarenjones, phoenix mortgage rates, Mortgage tips 2025, first-time homebuyer phoenix, should i wait to buy a home, whats happening with mortgage rates

Should I Wait for Mortgage Rates to Drop Before Buying a Home in Phoenix?

$Picture of {{ content.blog_author.display_name }}$ Home Loans by Karen Jones

Jun 10, 2025 4:10:43 PM

"We believe in homeownership and want to help you make your homeownership dreams come true!"

Hear From Past Clients

Customer Testimonials

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Contact Karen

Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), located in Phoenix, Arizona has been serving families with their home lending needs for over 40 years. As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision. Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral

Altitude Home Loans- Karen Jones Transparent

Karen Jones
Senior Certified Mortgage Advisor, RCS-D
NMLS 307015 | AZ Lic 0914383
Office: 602.613.3573
Branch Address:
8388 E Hartford Drive, Suite 111
Scottsdale, AZ 85255
Branch NMLS 2488403

Licenses & Disclosures NMLS Consumer Access Altitude Home Loans. NMLS 1955555. AZ BK 1007669.

Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.

The views expressed are opinions of Karen Jones alone and do not necessarily reflect the views of Altitude Home loans. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.