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Buying Services for Home Buyers
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Congratulations! You have decided to purchase a home, or are thinking about buying one. You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value.
| Free Listing Updates
As a licensed Realtor®, I can create your own personalized website within 24 hours where you will receive notification of new MLS listings that meet your criteria. You can even highlight your favorites and reject those you are not interested in. More importantly, you will automatically receive an email each time a new home within your search parameters is listed or has a change in price.
No more searching through thousands of listings on the MLS or hundreds of websites on your own hoping to stumble across your perfect home. Let your dream home find you! Best of all, this service is totally free and there is no obligation. Give it a try today - I know you'll love it! And if not, you can unsubscribe at any time. Just go here to get started.
Mortgage Assistance for First-Time Homebuyers & Qualified Veterans
If your are a first-time homebuyer, you may qualify for the City of Phoenix and Maricopa County Home in Five mortgage assistance program. The Home in Five program offers mortgage assistance to first-time homebuyers looking to purchase within Maricopa County by delivering an attractive 30-year-fixed loan rate. In conjunction with the 30-year fixed mortgage, the Home in Five program provides homebuyers with a 5% down payment and closing cost assistance grant. Eligible prospective homebuyers cannot have owned a home in the last three years, except in certain targeted areas. Qualifed Veterans are exempt from first-time buyer requirements. There are maximum annual family income restrictions and home cost. Please check the program requirements for details as these restrictions change from time to time.
Loans are made on a first-come, first-served basis, so don't delay! More information is available at the Maricopa County IDA website . Of course, I'm available to help you find a home that meets the program requirements.
Buyer Information Reports
In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step , to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.
Please contact me if you have any questions about buying a home.
Below, select desired reports and complete the form provided.
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Buying Your First Home
Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
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The Right Home at the Right Price
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
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Avoid Common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
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But Do You Need It
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
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How to Avoid Predatory Lending
For most families, buying a home is the biggest and smartest purchase they ever make. Unfortunately, not all loans are in their best interest. This brochure outlines the warning signs of a predatory loan, common problems, questions to ask, and how to protect yourself.
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Smooth Move: 9 Time-Saving Tips to Make Moving a Breeze
Moving ranks right up there with air travel and public speaking, when it comes to stressful situations. But with the right planning, you can manage your move with less stress and have more time to enjoy the thrill of moving into a new home.
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First Time Home Buyer Tips
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Get educated. Attend a first-time home buyer seminar or class.
Get organized. Keep documents handy that you will need for loan applications, such as your last 2 pay stubs, W-2, and financial statements for banks, retirement funds, and other investments.
Get pre-approved. Find out how much you can afford before you start looking at homes. This will help narrow down the homes you qualify to purchase. A pre-approval letter (called an "LSR") from a lender is required with purchase offers in Arizona. Having the LSR ready can make the difference in getting your offer accepted over others.
Get in the payment mindset. While looking, you should bank the amount you will need for mortgage payments each month to get ready for the real thing. This will help you avoid suprises such as finding out that you may not have much left over for other necessities or entertainment. Also a good way to help save for that down payment!
Consider all costs. Besides the mortgage payments, you will have other costs of home ownership such as repairs and possibly higher utility bills, especially if moving from an apartment.
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