Pilot Mortgage - Blog #Mortgage

Shopping for a Mortgage in Arizona? Here's What Most Lenders Won't Tell You (But We Will - Up Front and With Zero Barriers

Sat, 29 Nov 2025 16:17:45 -0700

Hi, I’m Gordon Goosen, NMLS 162267, owner of Pilot Mortgage, LLC – a local, Arizona-only mortgage broker based in Chandler.

Every day we talk to home buyers (and their Realtors) who are frustrated with the mortgage process. They’re told “We can’t give you real numbers until we pull credit, verify income, and see 60 pages of documents.”

That’s not how we do it.

At Pilot Mortgage, you can get an actual, transparent, executable mortgage quote in minutes – with nothing more than three pieces of information:

Purchase price
Your estimated credit score
How much you plan to put down (as low as 3%)

No credit pull. No pay stubs. No barriers.

Here’s what that looks like in real life.

Real Quote Example – November 18, 2025

(Anyone could have requested this exact quote on our website)

Buyer Profile

Purchase Price: $630,000
Down Payment: 10% ($63,000)
Estimated Credit Score: 680
Loan Type: Conventional 30-year fixed, primary residence, no prepayment penalty
Purchase Price: $630,000
Down Payment: 10% ($63,000)
Estimated Credit Score: 680
Loan Type: Conventional 30-year fixed, primary residence, no prepayment penalty

Option 1 – No Points / Lender Credits Cover Most Closing Costs

Interest Rate: 7.500% (7.500% APR)

Loan Amount: $567,000

Estimated Monthly Payment (Principal + Interest + MI): $4,177.17

Total Cash to Close (down payment + prepaids + closing costs): ≈ $63,000

Option 2 – Buy the Rate Down to 6.625%

Interest Rate: 6.625% (6.777% APR)

Estimated Monthly Payment: $3,843.19 Total Cash to Close: ≈ $71,793 (extra $8,793 buys the lower rate)

Mathematical Break-Even: 27 months (2 years, 3 months)

After month 27, the lower rate saves you money for the rest of the 30-year term (or until you sell/refinance).

We show both options side-by-side so you can decide what’s best for your situation.

What’s Actually Included in That “Cash to Close” Number?

Most online calculators and big-bank quotes hide or estimate these fees. We don’t. You’ll see the real dollars for:

Appraisal
Credit report
Origination/underwriting/processing
All title company fees (settlement, lender’s policy, CPL, endorsements)
Prepaid interest (prorated from funding date to month-end)
One full year of homeowner’s insurance
Private mortgage insurance (when applicable – and yes, ours is among the lowest in the country)

No surprises at the end.

Why Realtors Love Sending Their Clients to Pilot Mortgage

Because we give their buyers real numbers before they write an offer.

With our quote in hand, your Realtor instantly knows:

Exactly how much of your cash is going toward the down payment vs. closing costs
The precise monthly payment at different rate scenarios
How many seller concessions to ask for (in the example above, a smart Realtor could request $8,993 in concessions and keep the buyer’s out-of-pocket almost identical while getting a much lower rate)

Buyers stay in the driver’s seat, and offers become stronger and cleaner.

Common Questions We Answer Every Day

Q: Can I really get an accurate quote without pulling credit or giving income? A: Yes. We use your estimated credit score tier and conservative debt-to-income assumptions. Once you have decided to choose Pilot Mortgage, we pull credit/verify income, 99% of the time the numbers either stay the same or get better.

Q: What if I have a 620 score or want only 3% down? A: Still no problem. We quote 3–25% down payment options all day long.

Q: Why are your private mortgage insurance (PMI) rates the lowest I’ve seen? A: Because we focus on the customer experience. We also do not mandate and escrow/impound account, we will waive this with no charge, we have access to delegated PMI pricing that most retail banks and online lenders simply don’t.

Q: Do you only work with buyers who already have a Realtor? A: Not at all. First-time buyers, move-up buyers, investors (we do those too) – anyone is welcome to run numbers with zero obligation.

Ready for Your Own Zero-Barrier Quote?

Head over to www.pilotmortgage.com (or just reply to this post) and tell us:

Purchase price you’re looking at
Approximate credit score
How much you feel comfortable putting down

We’ll have a full Pilot Mortgage Planner back to you (and your Realtor, if you have one) in minutes – no login, no hard inquiry, no sales pitch.

Welcome to a better way to shop for a mortgage in Arizona.

Pilot Mortgage, LLC – NMLS #393286 | Licensed only in Arizona MB - 0917581 | Equal Housing Lender] 480-320-2322 | hello@pilotmortgage.com | Chandler, AZ

Let’s make sure you keep more money in your pocket and less stress in your home-buying experience.

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Unlocking Arizona's Real Estate Potential: Your Ultimate Guide to 2025 Conventional Loan Limits!

Mon, 09 Dec 2024 10:48:41 -0700

What is the Maximum Loan Amount for a Conventional Mortgages in Arizona in 2025?

Are you curious about the conventional loan limits in Arizona for 2025? At Pilot Mortgage, we've got you covered with the latest information on mortgage limits for various property types. As of December 9, 2024, here are the maximum loan amounts for conventional mortgages in Arizona based on the number of units:

One Unit Property: Up to $806,500
Two Unit Property: Up to $1,032,650
Three Unit Property: Up to $1,248,150
Four Unit Property: Up to $1,551,250

These limits are applicable across all counties in Arizona, including popular areas like Maricopa County and more. Whether you're in Apache County, Coconino County, or Yavapai County, these loan limits remain consistent. Stay informed about the latest updates in conventional loan limits for 2025 by visiting our website. As of October 2023, conventional loan limits in Arizona were $750,000, $959,600, $1,159,800 and $1,441,400 , but as of December 2024, these limits have been updated.

For more detailed information on conventional loan limits in specific counties like Maricopa County, explore our comprehensive resources. Understanding the loan limits in your area is crucial when planning your home purchase or refinancing journey. If you have any questions or need assistance navigating the conventional loan landscape, reach out to our team of experts at Pilot Mortgage.

As of December 9, 2024, here are the maximum loan amounts for conventional mortgages in Arizona based on the number of units: This is for all counties in Arizona. Apache County, Cochise County, Coconino County, Gila County, Graham County, Greenlee County, La Paz County, Maricopa County, Mohave County, Navajo County, Pima County, Pinal County, Santa Cruz County, Yavapai County and Yuma County. Keywords: conventional loan limits AZ, Maricopa county conventional loan limits, conventional loan limits 2025 Arizona

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0% Down Payment for Purchases

Thu, 16 May 2024 14:13:23 -0700

Time to buy a house. No Money for Down Payment. No Problem.

Simply put, qualified borrowers receive a 3% down payment assistance loan, up to $15,000. This allows you to get into a home right now with no down payment.

Here's how it works:

First lien mortgage meets LTV requirements
A second lien mortgage for 3% of the purchase price is provided, up to $15,000
Second lien has no monthly payment requirement and no interest
Second lien balance is due when the first lien loan is refinanced or paid off, whichever comes first
Payments on the second lien can be made throughout the loan term, but are not required

At least one borrower must be a first-time homebuyer and meet HomeOne® and UW’s guideline requirements
- First-time homebuyer is defined as someone who has not had ownership interest in a home in the last 3 years
- 700+ FICO and LTV must be greater than 95%, up to 97%

0% Down Purchase is a down payment assistance program that allows borrowers to receive a 3% loan up to $15,000. Borrowers will have no required monthly payment on the second lien and the second lien does not accrue interest. The second lien is due in full as a balloon payment upon refinance of the 1^st lien, a payoff or the final payment of the amortization schedule of the 1^st lien.

Benefits

Allows you to get into a home quicker without a down payment.
Allows you to use additional funds for home repairs or emergency savings.
These loans follow either Home Possible® or HomeOne® guidelines, so they can take advantage of LLPA caps. The caps make it easier for underserved borrowers to achieve homeownership. Call Pilot Mortgage to discuss: 480-573-6913.
This program can help borrowers, real estate agents and mortgage originators by offering an additional affordability product.

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How do I get a free copy of my credit reports?

Sat, 16 Mar 2024 13:20:00 -0700

Where can I get a credit report?

You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

About this Link: AnnualCreditReport.com

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website.

Don't be fooled by look-alike sites. You can be sure that you are on the right site if you type www.AnnualCreditReport.com in your browser address line. Don't come to this site by clicking on a link in another site or in an email.

This site is maintained by Central Source, LLC. Central Source, LLC is sponsored by Equifax, Experian and TransUnion so you have a single site where you can ask for all three of your free credit reports.

Where can I get a credit report?

You can request and review your free report through one of the following ways:

Online: Visit AnnualCreditReport.com
Phone: Call (877) 322-8228
Mail: Download and complete the Annual Credit Report Request form. Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

You may be able to view free credit reports more frequently online. When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. This gives you a greater ability to monitor changes in your credit. If needed, you can also ask whether your credit report is available in your preferred language.

You are also eligible for reports from specialty consumer reporting companies. We put together a list that includes several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Most of the companies in this list provide a report for free every 12 months. Other companies may charge you a fee for your report.

How can I get additional free credit reports?

You can get additional free reports if any of the following apply to you:

You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report. In this case, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
You believe your file is inaccurate due to fraud.
You have requested a credit report from a nationwide credit reporting company in connection with placing of an initial fraud alert on your credit file (you may request two free copies for an extended fraud alert).
You are unemployed and intend to apply for employment within 60 days from the date of your request.
You are a recipient of public welfare assistance.
Your state law provides for a free credit report.

Still have questions about credit reports and scores?

Call us at: 480-320-2322.

We are here to help you better understand them, learn how to correct errors, and improve your credit record over time.

Comparing Loan Offers in Chandler: A Step-by-Step Guide

Sun, 25 Feb 2024 15:45:49 -0700

After Making an Offer on a Chandler Home: Your Next Steps

Once you’ve found the perfect home in Chandler and made an offer, it’s crucial to secure the right mortgage to complete the purchase. Here's what you need to know about comparing loan offers:

Setting Your Goals for Comparing Loan Options

Before diving into the process of comparing loan offers, it's essential to establish your goals. Consider factors such as:

Interest Rates: Determine your desired interest rate range and monthly payment budget.
Loan Terms: Decide on the loan term that aligns with your financial goals, whether it's a 15-year, 20-year, or 30-year mortgage.
Down Payment: Evaluate how much you can afford for a down payment and how it impacts your loan options.

Opinion

Opinion: How to Compare Loan Offers - Gordon Goosen

Assumptions: Talk to Mortgage Loan Originators and provide them with enough information that they would be able to lock in a rate on a minute's notice. The Loan Terms are exactly the same.

Compare:

1. Cash to Close at the Closing Table (with consideration of your Earnest Money Deposit)

2. Monthly payment (excluding HOA, Property Tax and Homeowner's Insurance) Do include: Principal and Interest and Monthly Mortgage Insurance

3. Principal balance of your mortgage after 5 years and 10 years.

Opinion

Request Loan Estimates from Multiple Lenders

To ensure you're getting the best deal possible, it's crucial to shop around and request loan estimates from several lenders. Be sure to provide each lender with the same information to facilitate accurate comparisons. Key elements to consider in each loan estimate include:

Interest Rates: Compare the interest rates offered by different lenders and identify any variations.
Closing Costs: Evaluate the closing costs associated with each loan offer, including origination fees, appraisal fees, and title insurance.
Loan Terms: Review the terms of each loan, including the duration, type (fixed-rate or adjustable-rate), and any prepayment penalties.

Comparing Offers and Fine-Tuning Your Options

Once you've gathered loan estimates from multiple lenders, it's time to compare them side by side. Consider the following factors when evaluating each offer:

Total Loan Costs: Look beyond the interest rate and assess the total cost of each loan over its lifetime, including both principal and interest payments.
Annual Percentage Rate (APR): The APR provides a comprehensive view of the loan's cost by factoring in both the interest rate and any additional fees.
Loan Features: Pay attention to any special features or benefits offered by each loan, such as rate lock options, flexible payment schedules, or down payment assistance programs.

Choosing the Right Loan Offer

After thorough comparison and analysis, it's time to select the loan offer that best aligns with your financial goals and preferences. Consider factors such as affordability, long-term financial stability, and the lender's reputation and customer service.

By following these steps and taking the time to compare loan offers in Chandler, you can make an informed decision that sets you up for success in your homeownership journey.

Why Choose Pilot Mortgage?

When comparing loan offers in Chandler, Pilot Mortgage emerges as a standout choice for several compelling reasons. With a reputation for transparency, reliability, and personalized service, Pilot Mortgage goes above and beyond to meet the unique needs of every client. Their team of experienced professionals not only provides competitive interest rates and loan terms but also offers invaluable guidance and support throughout the entire mortgage process. Additionally, Pilot Mortgage distinguishes itself with streamlined processes, cutting-edge technology, and a commitment to delivering a seamless borrowing experience. By choosing Pilot Mortgage, shoppers can rest assured that they're partnering with a trusted lender dedicated to helping them achieve their homeownership goals with confidence and peace of mind.

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VA Loan Entitlement

Mon, 05 Feb 2024 13:17:01 -0700

Understanding VA Loan Entitlement and the Benefits

Understanding your VA loan entitlement and its role in the home buying process might seem daunting. However, a bit of guided research can help unravel key concepts, such as determining how much you qualify for and how to calculate it.

As you embark on the mortgage shopping journey, it's crucial to grasp your borrowing capacity for home purchase. If eligible for a VA loan, your Certificate of Eligibility (COE) will specify your entitlement amount—a figure that may leave you wondering about its implications on your borrowing limit.

Let's delve into the intricacies of VA loan entitlement to shed light on what it means for eligible veterans.

I'm purchasing

I'm refinancing

VA Entitlement Defined:

VA entitlement is the sum the Department of Veterans Affairs (VA) guarantees on a borrower's VA loan—the maximum amount the VA will reimburse your lender in case of loan default.

For homebuyers, this translates into a significant benefit. VA loans and certain nonconforming loans allow you to forgo a down payment, with your entitlement amount indicating the maximum borrowable sum without requiring a down payment.

Full Entitlement:

Full entitlement is granted if you've never had a VA loan or if you've paid off a previous VA loan and sold the associated property. With full entitlement, all your entitlement is available to purchase a home, and there's no cap on the borrowing amount without a down payment.

Yet, it's essential to note that while the VA guarantees up to 25% of the loan amount, your actual borrowing limit is determined by factors like income, credit score, debts, and credit history, assessed by your lender.

Reduced Entitlement:

If your entitlement amount is reduced, there's technically no cap on your home purchase borrowing, but exceeding your total entitlement (basic + bonus) mandates a down payment.

Partial entitlement may arise from scenarios like ongoing VA loan repayment, loan repayment while retaining ownership of the purchased home, absence of a one-time entitlement restoration, or defaulting on a previous VA loan.

To calculate reduced entitlement, you'll need to understand your county's conforming loan limit and subtract used entitlement from 25% of that limit.

Certificate Of Eligibility (COE) And VA Entitlement Codes:

Your COE is a crucial document indicating your eligibility for a VA home loan and specifying the entitlement amount. The COE includes an entitlement code, corresponding to specific service periods and detailing how entitlement was earned.

I'm purchasing

I'm refinancing

Types Of VA Loan Entitlement:

Your COE typically outlines both "basic" entitlement and potential bonus or Tier 2 entitlement. While basic entitlement is mentioned outright, bonus entitlement comes into play for loans exceeding a certain amount.

Basic Entitlement:

For full entitlement, your COE might state, "This veteran's basic entitlement is $36,000." However, this isn't a borrowing limit. The VA guarantees 25% of the loan amount up to $36,000 for loans under $144,000.

Bonus Entitlement:

Available for loans exceeding $144,000, bonus entitlement ensures the VA guarantees up to 25% of the loan amount. Reduced entitlement adjusts this guarantee based on the county's conforming loan limit.

Calculating Your VA Entitlement Amount:

With full entitlement, there's no borrowing limit, but for reduced entitlement, calculate used entitlement, determine the county's loan limit, and find the remaining entitlement. This remaining entitlement signifies the maximum amount the VA guarantees on your loan without a down payment.

Entitlement Vs. Guaranty:

While the VA doesn't directly lend VA loans, private lenders do, with the VA guaranteeing a portion—referred to as a guaranty. Entitlement represents the guaranteed amount, providing assurance to lenders in case of default.

Does VA Loan Entitlement Provide Cash To The Veteran?

No, a VA loan entitlement doesn't provide cash to the veteran as it is dedicated solely to the home purchase. The loan is government-backed, restricting its use to the property's acquisition.

Is VA Loan Entitlement A Lifetime Benefit?

Yes, if eligible, you can use your VA loan entitlement multiple times. However, for a zero-down mortgage, you need available basic, bonus, or combined entitlement.

Restoring Your VA Loan Entitlement:

Entitlement can be fully restored by repaying a previous VA loan and selling the associated property. Alternatively, a one-time entitlement restoration may be possible if you've repaid the loan without selling the property.

In essence, understanding your VA loan entitlement empowers you to gauge the guaranteed amount and navigate the home buying process confidently. Regardless of available entitlement, your borrowing limit is determined by your lender, ensuring a loan that aligns with your financial comfort.

Ready to kickstart the home buying process? You can conveniently apply for a mortgage online with Pilot Mortgage.

Bottom Line: We Can Help You Understand How Much You Can Borrow With Zero Down

Your VA loan entitlement amount tells you how much of your loan the VA will guarantee.

No matter how much entitlement you have available, you’ll only be able to borrow as much as the guidelines allow. Plus, you should ensure you’re getting a loan you can comfortably afford for your budget.

Ready to start the home buying process? You can apply for a mortgage online with Pilot Mortgage.

Need a person to talk to and hear advice on a new loan?

As a Veteran Owned company, we will guide you with full transparency.

Call (480) 980-1428

What is a 2-1 Buydown?

Mon, 22 Jan 2024 09:37:36 -0700

Explanation of a 2-1 Interest Rate Buydown

In the conventional mortgage world, a 2-1 buydown is a type of mortgage financing arrangement that involves temporary interest rate reductions for the borrower during the initial years of the loan. This arrangement is often used to make homeownership more affordable for borrowers, especially in the early years of the mortgage.

Here's how a 2-1 buydown typically works:

1. First Year (Year 1): In the first year of the mortgage, the borrower enjoys a reduced interest rate. In the case of a 2-1 buydown, this reduced rate is usually 2 percentage points below the actual interest rate specified in the loan agreement.

2. Second Year (Year 2): In the second year, the interest rate increases by 1 percentage point compared to the initial reduced rate. It is now 1 percentage point below the original interest rate.

3. Remaining Years (From Year 3 onward): From the third year onward, the interest rate remains constant at the originally agreed-upon rate specified in the mortgage contract. This rate is usually higher than the rates experienced in the first two years.

The purpose of the buydown is to provide borrowers with a gradual transition into higher mortgage payments. This can be particularly beneficial for individuals who anticipate an increase in income over the initial years of homeownership. By starting with lower payments that gradually increase, borrowers may find it easier to manage their finances.

It's important for borrowers to carefully review the terms of the buydown arrangement, including the specific interest rates for each year and how they will be adjusted. Additionally, borrowers should consider their financial situation and whether they expect changes in income that would align with the increasing payment structure of the buydown.

Does a 2 - 1 Interest Rate Buydown Help the Seller?

A 2-1 buydown primarily benefits the buyer rather than the seller. It is a financing arrangement designed to make homeownership more affordable for the borrower during the initial years of the mortgage. This type of buydown allows the borrower to start with lower monthly mortgage payments that gradually increase over time.

While the 2-1 buydown can make the property more attractive to potential buyers by offering lower initial payments, it doesn't directly provide financial advantages to the seller. Sellers might find it beneficial in the sense that it could attract more potential buyers, especially those who are initially concerned about the affordability of homeownership.

In a competitive real estate market, offering financing options like a 2-1 buydown might make a property stand out and potentially lead to a quicker sale. However, it's crucial to note that the financial impact on the seller is indirect, and the primary advantage is perceived by the buyer who benefits from lower initial mortgage payments.

Ultimately, the decision to offer a 2-1 buydown or similar financing options rests with the seller and their real estate agent. It's important for sellers to carefully consider the market conditions, buyer demographics, and their own financial goals when deciding on such incentives.

Keep in mind that mortgage terms can vary, and it's advisable for borrowers to consult with a mortgage professional to fully understand the implications and benefits of a 2-1 buydown in their specific situation.

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Read Martin Luther King Jr.'s "I Have a Dream" speech in its entirety

Mon, 15 Jan 2024 10:53:20 -0700

Dream Mortgage Pricing For Those Who Apply Today

Rev. Martin Luther King Jr.: Five score years ago, a great American, in whose symbolic shadow we stand today, signed the Emancipation Proclamation. This momentous decree came as a great beacon light of hope to millions of Negro slaves who had been seared in the flames of withering injustice. It came as a joyous daybreak to end the long night of their captivity.

But 100 years later, the Negro still is not free. One hundred years later, the life of the Negro is still sadly crippled by the manacles of segregation and the chains of discrimination. One hundred years later, the Negro lives on a lonely island of poverty in the midst of a vast ocean of material prosperity. One hundred years later the Negro is still languished in the corners of American society and finds himself in exile in his own land. And so we've come here today to dramatize a shameful condition. In a sense we've come to our nation's capital to cash a check.

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It would be fatal for the nation to overlook the urgency of the moment. This sweltering summer of the Negro's legitimate discontent will not pass until there is an invigorating autumn of freedom and equality. 1963 is not an end, but a beginning. Those who hope that the Negro needed to blow off steam and will now be content will have a rude awakening if the nation returns to business as usual.

There will be neither rest nor tranquility in America until the Negro is granted his citizenship rights. The whirlwinds of revolt will continue to shake the foundations of our nation until the bright day of justice emerges.

But there is something that I must say to my people who stand on the warm threshold which leads into the palace of justice. In the process of gaining our rightful place, we must not be guilty of wrongful deeds. Let us not seek to satisfy our thirst for freedom by drinking from the cup of bitterness and hatred.

We must forever conduct our struggle on the high plane of dignity and discipline. We must not allow our creative protest to degenerate into physical violence. Again and again, we must rise to the majestic heights of meeting physical force with soul force. The marvelous new militancy which has engulfed the Negro community must not lead us to a distrust of all white people, for many of our white brothers, as evidenced by their presence here today, have come to realize that their destiny is tied up with our destiny.

And they have come to realize that their freedom is inextricably bound to our freedom. We cannot walk alone. And as we walk, we must make the pledge that we shall always march ahead. We cannot turn back.

There are those who are asking the devotees of civil rights, when will you be satisfied? We can never be satisfied as long as the Negro is the victim of the unspeakable horrors of police brutality. We can never be satisfied as long as our bodies, heavy with the fatigue of travel, cannot gain lodging in the motels of the highways and the hotels of the cities.

We cannot be satisfied as long as the Negro's basic mobility is from a smaller ghetto to a larger one. We can never be satisfied as long as our children are stripped of their selfhood and robbed of their dignity by signs stating: for whites only.

We cannot be satisfied as long as a Negro in Mississippi cannot vote and a Negro in New York believes he has nothing for which to vote.

No, no, we are not satisfied, and we will not be satisfied until justice rolls down like waters, and righteousness like a mighty stream.

I am not unmindful that some of you have come here out of great trials and tribulations. Some of you have come fresh from narrow jail cells. Some of you have come from areas where your quest for freedom left you battered by the storms of persecution and staggered by the winds of police brutality. You have been the veterans of creative suffering. Continue to work with the faith that unearned suffering is redemptive. Go back to Mississippi, go back to Alabama, go back to South Carolina, go back to Georgia, go back to Louisiana, go back to the slums and ghettos of our Northern cities, knowing that somehow this situation can and will be changed.

Let us not wallow in the valley of despair, I say to you today, my friends.

So even though we face the difficulties of today and tomorrow, I still have a dream. It is a dream deeply rooted in the American dream. I have a dream that one day this nation will rise up and live out the true meaning of its creed: We hold these truths to be self-evident, that all men are created equal.

I have a dream that one day on the red hills of Georgia, the sons of former slaves and the sons of former slave owners will be able to sit down together at the table of brotherhood.

I have a dream that one day even the state of Mississippi, a state sweltering with the heat of injustice, sweltering with the heat of oppression will be transformed into an oasis of freedom and justice.

I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin but by the content of their character. I have a dream today.

I have a dream that one day down in Alabama with its vicious racists, with its governor having his lips dripping with the words of interposition and nullification, one day right down in Alabama little Black boys and Black girls will be able to join hands with little white boys and white girls as sisters and brothers. I have a dream today.

I have a dream that one day every valley shall be exalted, every hill and mountain shall be made low, the rough places will be made plain, and the crooked places will be made straight, and the glory of the Lord shall be revealed, and all flesh shall see it together.

This is our hope. This is the faith that I go back to the South with. With this faith, we will be able to hew out of the mountain of despair a stone of hope. With this faith we will be able to transform the jangling discords of our nation into a beautiful symphony of brotherhood. With this faith we will be able to work together, to pray together, to struggle together, to go to jail together, to stand up for freedom together, knowing that we will be free one day.

This will be the day when all of God's children will be able to sing with new meaning: My country, 'tis of thee, sweet land of liberty, of thee I sing. Land where my fathers died, land of the pilgrims' pride, from every mountainside, let freedom ring.

And if America is to be a great nation, this must become true. And so let freedom ring from the prodigious hilltops of New Hampshire. Let freedom ring from the mighty mountains of New York. Let freedom ring from the heightening Alleghenies of Pennsylvania. Let freedom ring from the snowcapped Rockies of Colorado. Let freedom ring from the curvaceous slopes of California. But not only that, let freedom ring from Stone Mountain of Georgia. Let freedom ring from Lookout Mountain of Tennessee. Let freedom ring from every hill and molehill of Mississippi. From every mountainside, let freedom ring.

And when this happens, and when we allow freedom ring, when we let it ring from every village and every hamlet, from every state and every city, we will be able to speed up that day when all of God's children, Black men and white men, Jews and Gentiles, Protestants and Catholics, will be able to join hands and sing in the words of the old Negro spiritual: Free at last. Free at last. Thank God almighty, we are free at last.

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Elvis Presley - If I Can Dream ('68 Comeback Special)

Lyrics: [Verse 1] There must be lights burning brighter somewhere Got to be birds flying higher in a sky more blue If I can dream of a better land, where all my brothers walk hand in hand Tell me why, oh why, oh why can't my dream come true, oh why

[Verse 2] There must be peace and understanding sometime Strong wind of promise that will blow away the doubt and fear If I can dream of a warmer sun, where hope keeps shining on everyone Tell me why, oh why, oh why won't that sun appear

[Bridge] We're lost in a cloud with too much rain We're trapped in a world that's troubled with pain But as long as a man has the strength to dream He can redeem his soul and fly (He can fly)

[Verse 3] Deep in my heart, there's a trembling question Still, I am sure that the answer's... answer's gonna come somehow Out there in the dark, there's a beckoning candle, yeah And while I can think, while I can talk, while I can stand, while I can walk While I can dream, oh, please let my dream come true, oh, right now .

[Outro] Let it come true right now Oh, yeah

Want More Spending Money?

Wed, 20 Dec 2023 07:45:46 -0700

NOW MAY BE THE RIGHT TIME TO REFINANCE AND POTENTIALLY SAVE HUNDREDS OF DOLLARS EACH MONTH

- Eliminate monthly private mortgage insurance
- Accelerate your equity and pay off your loan faster
- Increase your cash flow with a cash-out refinance program
- Pay off debt, make home improvements or fund large purchases
- Potentially lower your interest rate
Ask me about our RefiNow™ program that could help you take advantage of low interest rates, even with little or no equity in your loan.

Learn how you can have more money in your pocket. Call today.

Maximize Your Savings: Exclusive Refi Opportunities for Our Valued FHA and VA Borrowers in Arizona!

Wed, 13 Dec 2023 13:15:38 -0700

Exclusive Rates and Unmatched Service with Pilot Mortgage

Limited Time!!

Are you ready to make a significant impact on your lives and elevate your household cash flow to new heights? Look no further than Pilot Mortgage's exclusive offer, designed to help you create your own refi boom. At Pilot Mortgage, our commitment to providing you with the best mortgage solutions continues, and we are excited to share an exclusive opportunity designed specifically for our valued FHA and VA borrowers like you. From now through January 31, we are offering a unique chance to refinance your current mortgage, potentially lowering your monthly payments with discounted rates. This limited-time offer is our way of showing appreciation for your trust and loyalty and to bring in new customers to Pilot Mortgage.

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Questions? We're Here to Help!

We understand that you may have questions or need personalized assistance. Our dedicated team of mortgage experts is ready to assist you at every step. Feel free to reach out to us at (480) 980-1428.

At Pilot Mortgage, we value your trust, and we are thrilled to extend this exclusive refi opportunity to you, our esteemed FHA and VA borrowers. Don't miss out on this chance to maximize your savings and experience the unparalleled service that defines Pilot Mortgage. Act now to unlock your refi potential!