First Time Home Buyer: How Important Is Your Down Payment When Buying a Home in Phoenix AZ? When buying a home, most people take on a mortgage. There are many things to consider when taking on a mortgage loan, including interest rate, closing costs and the down payment. Once you calculate how much house you […]
First Time Home Buyer: What is Private Mortgage Insurance (PMI) When Buying a House? When you buy a house in Phoenix AZ and you are getting mortgage, your lender will look at the amount of your down payment compared to the sales price. This is to determine your loan to value ratio aka LTV ratio. […]
The difference between CMA and Appraisal When you want to sell or buy a house in Phoenix AZ area, one term that you will always hear is CMA and Appraisal. You may ask what are the differences and how it will affect me to buy or sell a home? The difference between a CMA and […]
What is Good Faith Estimate When Buying Home in Phoenix AZ? One of the most confusing aspects of the process for first-time homebuyers is the mortgage. Common homebuyer questions include: Where to get one, how to get one, and what does all that jargon mean? Advice abounds, especially on the Internet. One common tip is […]
Do Not Apply For Credit Before Closing of Escrow When Buying a Home You found your dream home and you are under contract. So what’s next? First thing first: Do Not apply for new credit between the time you apply for a home loan and the day the mortgage closes aka close of escrow. The […]
Infographic 9 Steps Buying A Home in Phoenix AZ Wondering how much house you can afford? Click here to access the Mortgage House Payment Calculator. Simply add in the price of the home you are considering and the calculator will return your estimated house payment. Change length of loan and interest rates to adjust results. […]
Arizona Home Plus Home Loan Program Down Payment Assistance Program The Arizona Housing Finance Authority (AzHFA) operates on behalf of the Arizona Department of Housing to assist creditworthy renters who can afford a mortgage but lack the resources for a down payment. The AzHFA Home Plus Home Loan Program provides an attractive 30-year fixed-rate mortgage […]
The 6 Steps to Securing a Home Loan When Buying a Home From the word “mortgage” to the methods used by lenders to determine how much to loan, the home loan process can be confusing to first timers. In fact, one third of the respondents to a 2011 Wall Street Journal survey of homebuyers said […]
How to Be a Respectful Home Buyer When a home is on the market, the seller’s privacy goes out the window. It is almost guaranteed that some buyers will open drawers, peek inside cabinets and touch items that are obviously personal and not included in the sale. Coming home from work to find that the […]
What is comparative market analysis (CMA)? Why you need to know? Selling a home is a bit more complicated than putting up a sign, setting a price and praying and hoping to get a buyer to show your home. Although it involves an element of suspense, and is not often a scientific certainty, it should […]
My commitment to my clients is to ensure your home buying or selling experience are the most rewarding, most cost & time efficient and as stress free process as possible, while maintaining a professional and ethical business.
