Maricopa County has over 25,000 active listings right now and rates have ticked up, which means most buyers are hesitating. That hesitation is a mistake. Phoenix mortgage broker Chris Theall breaks down how to structure a winning offer in today's buyers market, including how to get closing costs covered, when you need your own Realtor, and what to have in place before you write a single word on a purchase contract.

Mortgage rates change every single business day. Here are 10 things that actually drive rates up or down, written in plain English for Arizona homebuyers and homeowners.