Mortgage Rates

How Do Interest Rates Affect Your Mortgage and Monthly Payment? Interest Rates Explained

Thank you so much for watching my video! I am currently accepting new clients in the Phoenix, AZ area and it’s surrounding cities, all of my contact info can be found below. I also have links to all the free resources such as printables, an app, and more for you guys.

Call/Text me at: (480) 702-1280‬ *
Email Me:
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* Please be mindful of the timezones, I am located in MST.

Visit for free printables to help you with your home goals.
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Music Credit: Ameer Corro
Track Name: “This Is What A Sunset Sounds Like”
Music By: Ameer Corro @

Javier is a licensed real estate agent in Arizona with My Home Group Real Estate. All information given in my videos is mean to be educational and meant to be a starting point in your home purchasing/selling journey. Please contact your local lender for actual terms of the programs if discussed in my video!



  1. Is it true that there is usually a cap on how much your credit score affects your interest rate? For example, do lenders view everything above a +740 the same, or does 740 get your a higher interest than 780? Love the vids! Thanks!

  2. Does paying extra monthly go towards the interest or the principal?

  3. Thank you Javier for the video. Would you mind making a video about the difference between a 15 year mortgage vs. a 30year mortgage. I would greatly appreciate it. My husband and I are wanting to purchase a home in the near future.

  4. You mean 100% at 5.4%. I appreciate the info!

  5. Can you do a video on down payment assistance programs?

  6. I still got the corn man here lol

  7. Good video, thank you

  8. Thank you so much! This helps me alot. I just refinance my home for a lower interest rate. Hopefully get to close soon! Thank you Javier!

  9. Awesome video, man! 👏🍻

  10. amazing content dude


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