Karen Jones

Senior Mortgage Loan Officer

480-339-1577  kjones@amerifirst.us

NMLS 307015  |  AZ Lic 0914383

Equity Wealth

Arizona is ranked as one of the strongest states that have seen home values increase in the United States.


Many homeowners have grown their equity significantly over the past few years.  At the end of the second quarter of 2020, for example, over a third of U.S. properties with mortgages were considered “equity rich”  which means that the debt on the property was 50% or less of the home’s current market value.  And as we all know, homes values change as the markets change.  Owning real estate is considered a long-term investment and based upon ones' goals, the equity in a home can be a fantastic tool to assist with the overall financial goals that are wanted and/or needed.

Karen shares her thoughts on the subject of home equity in this short video below.


What are your options with the equity wealth you currently have in your home?

  • Restructure debt
  • Move up or Downsizing your current home
  • Improve your current home
  • Leave as-is and pay down equity further

Want to see how your city's home values changed?  Here is a great source courtesy of the Cromford Report.  View here: Cromford Report.  



Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), is located in Scottsdale and has been serving Arizona 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.   AmeriFirst Mortgage, is a Division of American Pacific Mortgage and Karen Jones can be found at the Grayhawk Branch which is located in Scottsdale, Arizona. 



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.

The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation. AmeriFirst Mortgage, a Division of American Pacific Mortgage Corporation- NMLS 1850.

 Karen Jones is a licensed loan originator at AmeriFirst Mortgage, a division of American Pacific Mortgage Corporation. 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.


Karen Jones 
Certified Mortgage Advisor
NMLS 307015 |    AZ Lic #0914383




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