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For years, mortgage lenders and consumers have depended on West Valley Appraisal Services to provide high-quality value estimates on all sorts of real estate in Maricopa County. By continuously keeping up with local real estate trends and refreshing our knowledge regarding valuation techniques through accredited courses, we've been consistently able to generate reliable home valuations for people just like you.

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How do we do more in less time and keep our fees reasonable without cutting corners on quality? Our reply is simple: Technology.  And above everything, we keep in mind the importance of personalized customer service.  You'll be shown the utmost respect in all aspects of working and communicating with West Valley Appraisal Services.  It all adds up to an unsurpassed experience for our clients. We have 26 years experience, let us prove to you why we're different. Call today. Veteran / Military Discounts!!

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The Mortgage Reports:
Rates End Week Little-Changed at Multi-Week Lows
11/23/2022 2:42 PM
Bond markets will be closed for Thanksgiving tomorrow.  That means mortgage lenders won"t be publishing new rates.  While markets are technically open for a half day on Friday, it"s just as well to consider it part of a 4-day weekend.  Many mortgage lenders simply offer the same rates seen on Wednesday because market conditions are s...Read More
Drama and Excitement Remain on Vacation in The Mortgage Rate World
11/22/2022 2:35 PM
Rates are driven by bonds and mortgage rates are driven by mortgage-backed bonds.  These bonds trade in the open market all day every day.  Mortgage lenders set their rates based on the movement in those bonds. Thanksgiving week tends to sap a significant amount of participation from the bond market.  It"s not that things aren"t mov...Read More
Mortgage Rates Little-Changed to Start Holiday-Shortened Week
11/21/2022 2:12 PM
Mortgage rates made their biggest recent move (and their biggest single day move ever) 2 Thursday"s ago after a key report showed inflation was lower than expected in October.  There has been some jockeying for position among various mortgage lenders since then, but remarkably little change to the average 30yr fixed rate which is once again in...Read More
Fed Says: Don"t Get Too Excited About Rates Just Yet
11/18/2022 2:37 PM
There"s no question that last week was an exciting one for rates. On Wednesday, the average 30yr fixed was fairly close to the highest levels since 2002. The following afternoon, it had fallen more than half a percent to the lowest level in nearly 2 months--the biggest single day drop on record.   While rates are still very high relati...Read More
Mortgage Rates Slightly Higher, But Still Much Lower Than Most of Last Week
11/17/2022 4:18 PM
If you"d like to get the quick scoop and be on your way, here you go: the big move in rates happened last Thursday when the average 30yr fixed dropped by a record amount in a single day (records go back to 2009) to the mid 6% range.  It hasn"t moved much since then. If we shift focus from averages to individual lenders, there have been a few ...Read More
Mortgage Rates Little-Changed Near 2-Month Lows
11/16/2022 2:09 PM
The mortgage landscape is very interesting at the moment.  On any given day, some lenders are moving higher, others are moving lower, and the rest are remaining relatively unchanged.  The average lender has been closer to unchanged so far this week but that"s a good thing considering rates are in line with their lowest levels in nearly 2 ...Read More
Mortgage Rates Holding Near 2 Month Lows
11/15/2022 2:31 PM
Let"s talk about the current state of mortgage rates.  Before we do, some housekeeping: the following pertains to averages across multiple lenders.  This is an important caveat over the past few days because lenders have adjusted their individual rates by widely varying amounts and in different directions from one another on several occas...Read More
Mortgage Rates Roughly Unchanged After Last Week"s Huge Drop
11/14/2022 3:56 PM
If you"re just getting caught up, last Thursday was one for the record books--at least when it comes to the daily records that exist going back to 2009.  No other day has seen as big of a drop in the average 30yr fixed mortgage rate (0.60%). The bonds that dictate mortgage rates lost quite a bit of ground today, but that didn"t translate to a...Read More
Record Single Day Drop in Rates After Inflation Comes in Cooler
11/10/2022 4:11 PM
Heading into this week, we knew that Thursday"s Consumer Price Index (CPI) would be critically important. It did not disappoint. CPI is one of two key inflation reports in the US.  PCE (Personal Consumption Expenditures) is the other big index, but because CPI comes out 2 weeks earlier, it gets almost all of the market"s response.  ...Read More
Mortgage Rates Unchanged to Slightly Higher
11/9/2022 3:07 PM
Mortgage rates experienced one of their calmest days of the past few weeks with the average lender roughly unchanged from yesterday.  Rates are based on bonds, and the underlying bond market has increasingly been hunkering down before a big potential day on Thursday. Why big?  It"s all about CPI. The newest installment of the Consumer Pr...Read More