Tucson AZ Home Loan Info


Just A Little Perspective, My Friend...

Unusual cloud structure in Tucson, AZ

The bond market lost ground this week, and historically low interest rates evaporated.  Tim Geithner stuck his foot in his mouth and the US Dollar lost 1.3% of its value in ten minutes.  Everyone seems to be on eggshells.

So I put on the hiking shoes yesterday, donned a hat to protect my bald spot from the Arizona sun, and set off to clear my head. 

The earth still rotates once every 24 hours in the right direction.  Our desert air is clean and the weather is spectacular.  My wife still loves me.  My grandkids think I hung the moon.  I've got food on the table and clients who trust my judgement.  And now you're here sharing a moment of your valuable time with me.

You know?  It's going to be a pretty good day!


I'm Mike in Tucson, your preferred Tucson, AZ Mortgage lender.
Mike Jones (Tucson Mortgage Company, LLC): Loan Officer in Tucson, Pima County, Arizona
Think of me as your Tucson mortgage expert.

Call me if I can help you with a purchase or refi mortgage;
(520) 349-9090

photo copyright Mike in Tucson (all rights reserved)

Comment balloon 49 commentsMike Jones • March 26 2009 04:39AM


Mike:  I think it's very true that you have put all of this nonsense into perspective.  Some days I tend to watch or listen to too much of the shrillness that fills the cable and news arenas.  Adopting your attitude is very healthy.  Thanks for sharing...

Posted by Karen Anne Stone, Fort Worth Real Estate (New Home Hunters of Fort Worth and Tarrant County) over 11 years ago

I have made it a practice to quit looking at the bonds, stocks and real estate data. I don't need excuses to fail I need a positive attitude to succeed. That my friend is what you have.

Posted by Chip Jefferson (Gibbs Realty and Auction Company) over 11 years ago

Mike, that is sound advice to all as well.  It is important to keep your own wits about when the proverbial @#*% is hitting the fan.  Have a great day.

Posted by Kevin Cavanaugh, Lic. Associate Broker, ABR, GREEN (Keller Williams Hudson Valley Realty) over 11 years ago

Lord willing, I will be here tomorrow to share another moment. Love your posts!

Posted by Dan Callahan (Callahan's Home Inspections) over 11 years ago


Great little post. I like the clouds, too.


Posted by William J. Archambault, Jr. (The Real Estate Investment Institute ) over 11 years ago


\You pictures are incredible. Life is good!!

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker Realty ~ 512.750.6899) over 11 years ago

The sky is pointing where to go.. .amazing!

Posted by Fernando Herboso - Broker for Maxus Realty Group, 301-246-0001 Serving Maryland, DC and Northern VA (Maxus Realty Group - Broker 301-246-0001) over 11 years ago

Mike - I shouldn't gotten my butt outta my office and tried to clear my head yesterday.  Instead, I posted a rant.  I think I will follow your lead today.  I hope my clouds look as good as yours!

Posted by Christine Bohn, The Bohn Team, Gainesville FL (RE/MAX Professionals) over 11 years ago

I guess you could say in some ways we as a species are the fly on the ho0rse. You photo eludes to this. as well as your post. Perspective is a good , and humbling thing. Thanks

Posted by Charlie Ragonesi, Homes - Big Canoe, Jasper, North Georgia Pros (AllMountainRealty.com) over 11 years ago

You know, Mike, that is the best approach to these "BIG" things that are completely out of our hands - concentrate on those parts of our life that really matter, where we do have some influence.

Have a great day!



Posted by Mike Hendren (Mike Hendren Photography) over 11 years ago


I will.  You, too.


I like your perspective; it's good to see you.


I wish you beautiful cloud structure and a calm day.


Isn't that a beautiful sky?!


Yes, it is!


Thanks for commenting!


I look forward to it.


I will.  You, too!


Hold down the fort in Columbia today!  :)

Karen Anne,

Thanks for being the first to comment.  It's really good to see you.

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

Mike - Such a pleasant post, complete with a stunning photo. It is a good day.

Posted by Claude Cross, Charlotte NC Homes For Sale (Homes By Cross, Inc. ) over 11 years ago


Thanks so much for stopping by to comment.  All the best.

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

I LOVE your post.  And it is good to let people know that it really can be as easy as taking a walk to get some perspective. 

Posted by Tony and Libby Kelly, CRS, ABR, ePro, SRES, CLHMS, CDPE (Keller Williams Realty Portland Premiere) over 11 years ago

Oh man, there is nothing like going for a morning run or a day hike to put it all in perspective! I always enjoy dropping by your posts!

Posted by Russell Lewis, Broker,CLHMS,GRI (Realty Austin, Austin Texas Real Estate) over 11 years ago

Thank you for sharing the picture its really nice I like it. Great way to get a perspective on things on a simple walk.

Thank you,

Kim White

Posted by Kim White LeBlanc (Keller Williams Las Vegas Realty) over 11 years ago


And the rain is fall (atleast here in Gaithesburg Md.) and the sun will be out tomorow (if the rain stops but not sure it will).  Someone needs to keep a positve attitude.  Looking forward to your posts in the future.

Posted by Bob Force (REALTOR®), The FORCE in Maryland Real Estate (Century 21 - Redwood Realty) over 11 years ago

Great post....

Posted by Jean Terry (Keller Williams Realty Spartanburg, S.C.) over 11 years ago

Thank you for this.

Posted by Sarah Johnson, Sarah Johnson, CRS (Johnson Home and Land) over 11 years ago

I'm baaaack....glad to see you haven't changed! Well....maybe mellowed a little?:0)

Posted by Joan Mirantz, Realtor, GRI, CBR, SRES - Concord New Hampshire (Homequest Real Estate) over 11 years ago


It's wonderful to have you back in the Rain!  Re mellowing, check out yesterday's post about the big banks!


you're welcome; I'll see you on your blog.


Thanks for stopping by!


I appreciate your comment; come back soon!


I just love clouds, and Arizona gets some strange cloud structure.  Thanks for commenting.


And I enjoy your comments; thanks for being a subscriber.

Tony & Libby,

Thanks for saying so!  I appreciate your encouragement.

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

HI MIKE!  And with the sudden passing of another Tucson Realtor, Mike Blackledge, everyday that we get to wake up is a good one!  Nice way to clear your head! -- Gabrielle

Posted by Gabrielle Kamahele Rhind, Broker/Owner (KGC Properties LLC, Tucson Property Management & Real Estate) over 11 years ago

Mike- I started some IRA accounts which I have done before. I like your post and the clouds are very nice!

Posted by Robert Vegas Bob Swetz over 11 years ago

Mike - Wouldn't you like to put a sock in some of those guys mouths when they start talking?  Seriously however, the Dow and Nasdaq have done much better the last couple weeks.  For those who have cash parked on the side-line, there are likely some really good bargains out there.  And there's still time to fund your IRA for the 2008 tax return.

Posted by Myrl Jeffcoat, Greater Sacramento Real Estate Agent (GreatWest Realty) over 11 years ago


They don't yet think in terms of "unintended consequences."  Stuff a sock in it!  LOL


I knew you would like the photo.  Thanks for coming by to comment.


Life's a gift, and we so often take it for granted.  Thanks for commenting.

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago


You say the nicest things.  LOL

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

I think everyone is looking for good news . Too bad we have to jump at everything that might be bad and react so fast at everything that might be less than wonderful.

Posted by Terry & Bonnie Westbrook, Westbrook Realty - Grand Rapids Forest Hills MI Re (Westbrook Realty Broker-Owner) over 11 years ago

Go for a hike more often, Mike. It seems to have brought down the rates again. (And the stock market liked Geithner!)

Posted by Ann Heitland, Retired from Flagstaff Real Estate Sales (Retired from RE/MAX Peak Properties) over 11 years ago


Rates are back down today, and better tomorrow!


One of the headlines this evening on Bloomberg is "U.S. 30-Year Fixed Mortgage Rate Falls to 4.85 Percent, Lowest on Record"

I'm reacting to that in the morning!  Time to lock in.

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

Mike - Sorry to bother you but after another look at your post my friend, featured at:


Wonderful job and great comments!

Posted by Robert Vegas Bob Swetz over 11 years ago


It is all in how you see things and from the sounds of things you have the right view.

Posted by Don Rogers, Realtor, Broker, CDPE, GRI, OnullFallon MO & St Charles County MO homes (Keller Williams Realty Chesterfield) over 11 years ago

Hey Mike,

  Great post and nice picture!

Posted by Khash Saghafi NMLS, Mortgage Loan Officer, Cleveland OH NMLS 1114762 (Liberty Home Mortgage Corporation) over 11 years ago


Thanks for saying so!  It's good to see you.


Ditto to you!  I'm looking up!


Thanks for the feature!  You can come bother me any time.  :)

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

I have a relative that was a POW in Vietnam. his motto is that everyday you wake up breathing is an excellent day.

Posted by Kevin Robinson, Fractional Developer over 11 years ago

Mike - it is all about perspective, and thanks for sharing yours. I too try and always look at the positive aspects of life.

Posted by Sharon Paxson, Newport Beach Real Estate (Compass) over 11 years ago

Mike- Yep, just looking at your sky would refresh me enough to "move right along".  I admit I take enough of those days anymore, but I need to :)

Posted by Kathy McGraw, Riverside County CA Real Estate (CELLing Realty) over 11 years ago

Mike - I just may do that and you should be receiving a nice letter in the mail in the next few days!

Posted by Robert Vegas Bob Swetz over 11 years ago


I'll keep a lookout.


Thanks for coming by to comment.  See you on your blog.


You're welcome!  It's necessary.


I like his motto!

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

You're the best Mike.  Have an awesome day!

Posted by Rita Bradley, Valuation Consultant in Orange County California 949-916-3263 over 11 years ago

What a great post, Mike. So simple but so powerful. So glad I came upon this one!

Posted by Peggy Wester, Real Estate Agent Ozaukee & Washington County (Realty Executives Integrity) over 11 years ago


Thanks for stopping by; I'm glad too!


Is that you?  LOL

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

I'm a little behind on responding to this post.  Reason:  I've taken the weekend for me! ME!   It's been mostly rainy here, but I'm warm, well-fed, loved, and truly blessed.  Righteous post.



Posted by Brenda Ballard, At the Beach and Beyond! (Angelfish Properties, Inc.) over 11 years ago


Good for you!  Life gets a little easier when we are loved and blessed.  Come back any time!

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

Mike-Stocks, bonds all too depressing, but the picture is beautiful. I would much rather be setting staring out at the mountains and scenery like you took in the picture......

Posted by Laura Watts (Positive Properties, LLC) over 11 years ago

Hi Mike - Sounds like last week was a good week for me to go on vacation, although I snuck the occasional glimpse at what the bond market was doing in case something crazy happened. I like to take mind-clearing walks like that, too, and am happy Spring is here to take them in!

Posted by Karen Cooper, Helping Homeowners w/Home Loans in 27 US States (Karen Cooper | Sr Retail Loan Originator ! NMLS # 223305 | 360 Mortgage Group LLC Austin Texas) over 11 years ago


I'm glad you had a vacation!  Welcome back.


Cheer up!  Things are getting better!

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) over 11 years ago

Hi Mike—It's amazing creepy that one person can say a few words and thematerial value of currency goes down! I'm not a Pollyanna, however, as you and so many others I find ways to leave to ditch negative and find ways to embrace all the good in my life. When I do that I quickly realize how blessed I am as so many of us are in the RAIN, my family and friends.

Your gorgeous cloud photo is a perfect example of nature's quiet and deep perspective... it says it all! It' a beautiful, clear day today... I'm filled with gratitude and I hope everyone else will as well. Have a wonderful Wednesday!

Posted by Linda Bourgault (lulugraphix-creative photography & fine art) over 11 years ago

Hi Mike...what a great way to stop and regroup, and what a beautiful place to that in.  Love the pic!


Posted by Olga Diaz, Potter, Mng Broker, CRS, ASP, ePRO, ABR (COLDWELL BANKER TOMLINSON) over 11 years ago

Every day is beautiful if one will just stop for a while to enjoy it.

Posted by Russel Ray, San Diego Business & Marketing Consultant & Photographer (Russel Ray) over 11 years ago

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