Budgeting to Buy a House in Arizona No matter how good the credit rating, today’s homebuyer no longer has the luxury of buying with little or zero down. Unless you are low-income with good credit, or a veteran, no-down loans are also a thing of the past. Photo by Tierra Mallorca on Unsplash Most lenders […]
First Time Home Buyer: What is Debt to Income Ratio (DTI) When Applying for Mortgage? A debt to income ratio is one way lenders measure your ability to manage the payments you make every month to repay the money you have borrowed. Lenders use your DTI ratio to evaluate your current debt load and to […]
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. […]
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 […]
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 […]
3 Tips for Moving With Kids Moving is complex. Moving with children is even more challenging. Some of their anxieties and fears over relocating may seem petty to adults, but they are nevertheless real. You could probably tell your children they are moving to Disneyland and, after the initial ecstasy wore off, they’d still feel […]
Should I Sell My House Before Buying New One in today’s market in Arizona? If you are a current homeowner that wants to purchase a new home, you’re most likely asking yourself a question common to folks in your situation: Should I sell before I buy? The answer to that question depends on several factors. […]
What Counts as a Comp for Your Home in Phoenix AZ? From replacing a rusted out bathroom sink to laying laminate flooring, Americans are hooked on the DIY craze. Some things, however, are better left to professionals. Establishing your home’s current market value before putting it on the selling block or pursuing a refinance is […]
Phoenix AZ Buyers Beware: 3 Points to Ponder About a Home’s Location When buyers are on the hunt for buying a new home in Phoenix AZ area, they’re usually very focused on one thing: the house. Buyers can lose objectivity if they fall in love with one, and the thought process becomes akin to one […]
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.
