Whether you're relocating from out of state or seeking a change within and around the arizona Valley,
a home is the ideal space to call your own.
Working together, my intention is to consult and meet your specific needs, while offering a unique approach to buying or selling your home, and giving you a competitive edge over others.
If you plan to finance your home purchase, the first step is to get pre-approved for a mortgage. This process is usually quick and shows both your Realtor and the home seller that you are a serious buyer.
Start by determining how much you are approved to borrow. This will help you narrow your online search to homes within your budget, saving you from wasting time on properties that are out of your price range.
Your lender will provide a clear understanding of your financial requirements, including the down payment, closing costs, and any potential down payment assistance programs you might qualify for. If you have credit concerns, they can also help you develop a plan to improve your credit score.
ideal schedule and initial steps to purchasing a home:
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Start by researching neighborhoods, market trends, and property values. This period allows you to understand what you can afford and what you want in a home.
[ 3-6months prior to move date ]
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SEEK A MORTGAGE BROKER & get your preapproval for a mortgage! Your lender will help establish your budget based on your financial situation and provide your preapproval amount.
This step is crucial to ensure you’re looking at homes within your price range and to strengthen your offers.
HOW TO? Assess your income, expenses, and savings to determine how much you can afford for a down payment and monthly mortgage payments.
>> REMEMBER TO consider additional costs such as closing fees, property taxes, and maintenance. <<
**KEY NOTE **
What are additional costs? Beyond the purchase price, budget for closing costs (typically 2-5% of the loan amount), moving expenses, and any immediate repairs or renovations the home might need.
ALSO, a pre-approval can prevent the disappointment of falling in love with a home that you can't afford! Real Estate is sometimes #heartbreaking ;(
[ 1-2months before shopping for homes ]
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Get preapproved for a mortgage to know your borrowing limit. This helps you set a realistic budget and shows sellers that you are a serious buyer.
In some cases, a pre-approval may be required before you can view a home in person or make an offer.
search for your next home
Click here for a free MLS (Multiple Listing Service) property search. Be sure to focus on key details that will help narrow down the results to properties that match your criteria.
Unlock the door to financial stability, personal freedom, and long-term investment—discover the endless benefits of being a homeowner.
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