Phoenix housing prices have rebound, but this is still one of the best times to buy residential condos and homes for sale in Chandler AZ, Gilbert AZ, Mesa AZ, Phoenix AZ, Scottsdale AZ and homes in Arizona retirement communities. Phoenix Home Buyer Guide shows how to select homes for sale in Chandler, Gilbert, Mesa, Phoenix or Scottsdale AZ and buy at or below market value. Some sellers may be willing to pay part of the buyer's closing costs or agree to increase the sales price by the amount of seller concession to pay an equal amount of buyer closing costs, providing the home appraises for the higher sale price.
Check out this RENT vs OWN calculator to help you determine if your monthly living expenses are less owning your own home vs paying rent to your landlord! You can save on expenses and build equity, even if prices don't go up, as you pay down your home loan with every monthly payment you make! You CANNOT LOSE!
Don't like having a 30 year loan? If you make one extra house payment per year and direct the bank to apply the extra payment to the principal, you can pay off your 30 year loan several years sooner! Now that's a great savings plan!
Real estate transactions involve complex issues including appraisals, inspections, repair negotiations, title and escrow issues, loan and lender issues, and many more problems that may arise. Only a buyer who is represented by an experienced real estate agent such as myself can be confident all issues will be dealt with promptly and affirmatively to your benefit. You need an advocate who looks out for you.
First-Time and Move-Up home buyers need Buyer Broker Representation. The relationship requires honesty, mutual trust and team work with a clear set of goals. The real estate process requires negotiation of complex issues and I am committed to finding the best solution on your behalf. Your interests are my first priority - negotiating the best price and favorable terms to meet your needs. Just tell me what you want and let me go to work to make it happen.
Every buyer I represent receives the benefit of my comprehensive real estate market and contract knowledge, negotiation skills and escrow management expertise. Under Buyer's Agency, I am compelled to provide the best advice, client advocacy, and representation possible for the benefit of my buyer. This results in your best interests always being foremost in my mind during the offer negotiations and throughout the escrow closing process.
With me as your Buyer's Agent ... You'll be in your new home in no time!
My Professional Services Save You time and money and ...
Get You the perfect house you have always wanted!
Whether you are a First Time Home Buyer or a Move Up/Down Buyer, this Home Buyers Guide will provide important details and insight into the Arizona home buying process and provide a list of our mutual duties and responsibilities as we go about contracting for your home.
Want to take advantage of today's super low home prices?
CALL NOW: 480-213-1799, Text or Email for a copy to get started today!
BUYER ORIENTATION AND LOAN PRE-APPROVAL AT INITIAL MEETING
During our initial meeting in my office, we will go over the home buying process outlined in my Home Buyer Orientation. We'll review Information About Brokerage Services that defines our real estate client/broker relationships.
As a buyer, you can create greater credibility with the seller and their listing agent when you are loan pre-qualified because they know you are serious about buying a home. Before we can begin looking for your new home, we need to determine how much home you can afford to buy! We will need to determine the best loan program for you and then have you pre-qualified for the loan by one of the competitive local lenders I work with.
If you have been involved in a Short Sale, Deed in Lieu of Foreclosure or Foreclosure, you need to be aware of the minimum time required to reestablish your credit before you are able to purchase and/or the more strict underwriting rules. But there may be extenuating circumstances the lender can use to shorten your wait time to be eligible to get a loan. Contact Sam to put you in touch with a lender who is aware of all the loan underwriting rules to get you loan approved.
The loan rate you are quoted depends upon your FICO score, so it is important to learn all you can about what can be done to raise your score. Your FICO score is important because it is new used by more than just your lender to determine how financially responsible they think you are and determines what it will cost you for credit, leases, insurance and more. When shopping for a home loan, look for potential signs of "predatory loan practices".
Free Credit Report - Have you Checked Your Credit? Get your FREE annual credit report today!
YOU NEED TO KNOW WHAT YOU NEED TO KNOW
One of the first documents you will receive is our Arizona Buyer Advisory produced by the Arizona Association of REALTORS®. It provides an overview of issues that could impact buyer decision making when selecting, inspecting and evaluating a property. As an experienced Buyer Broker, I advise and guide you through the home selection, contracting, inspecting and closing process.
Buyers are reluctant to ask how much they have to pay for buyer representation. It is the Home Seller, not the Buyer, who pays the Buyer Broker to represent the Buyer in the purchase of the Seller's home. The Seller wants the sale to close and agrees to pay the listing agent and the buyer agent a commission when the home is listed for sale.
LEARNING WHAT YOU WANT AND DON'T WANT IN YOUR HOME
As your Buyer's Agent, want to know your wants and needs, your goals and aspirations and I use this information, along with my knowledge of the real estate market, to locate the neighborhoods and the homes with all of the features most important to you.
SEEING ALL HOMES WITH THE FEATURES YOU WANT WITHIN YOUR PRICE
It is important for you to see all homes on the market in your price range, without regard to the real estate company or builder marketing them, so you can have the widest choice of homes and the best opportunity to get what you want at the best value your money can buy.
DISCLOSE THE GOOD AND BAD FEATURES OF THE HOMES WE SEE
My job is to guide and advise you - not to make a quick sale. As we view properties, you can expect me to give you a thorough and unbiased evaluation of every home, as though I was the prospective buyer for the property you may want to buy. Everyone wants their home to appreciate and it is important to buy a home that will perform at least as well as the market. I know why some homes rise in value better than others and I will share these reasons with you as we view homes.
DEVELOP A WINNING NEGOTIATING STRATEGY
I customize a winning negotiating strategy tailored to your needs so the purchase offer we write, on your terms and at a price you can afford, should be acceptable to the Seller.
Before writing an offer, I will provide you a Comparative Market Analysis to determine the home's current Market Value. You don't want to insult the Seller with an offer way below market value, nor do you want to pay more than the home is worth.
As a full-time real estate expert for the past 25 years, I have the experience, market knowledge and strong negotiating skills to guide you through the escrow process and into your new home with the minimum of hassle and anxiety.
CONTINUOUS MARKET UPDATES UNTIL WE FIND YOUR HOME
I'll keep you updated on the changes in the housing market and future trends using the latest statistical data for our local area. I will continually monitor homes as they come on the market and immediately alert you to those homes that meet your needs, giving you first choice to make an offer, until we find your new home.
MAXIMIZE OPPORTUNITY FOR HOME APPRECIATION
Whether you are considering the purchase of your personal home or you are ready to make a real estate investment to increase your wealth, diversify your portfolio, and have a hedge against future inflation, my expertise will help you purchase a home that will appreciate at a higher rate of return.
EXCEEDING THE HIGHEST ETHICAL STANDARDS
Whenever you are buying or selling real estate, it is important you have confidence in the real estate professional you employ.
As a CRS - Certified Residential Specialist, I meet or exceed the highest standards of the National Association of Realtors for ethics, real estate knowledge and proven performance. Only a select 3% of all real estate agents have met these standards and earn the CRS designation, yet our combined sales equal 25% of all the real estate SOLD in the United States! Only work with a certified Real Estate PRO!
ADDITIONAL BUYER RESOURCES
Learn about the Home Selection, Inspection and Repair process.
These are more Buyer Resources and Escrow information included in Selecting a Home. Want help finding the ideal home? Describe Your Dream Home for Sam and he'll find it for you.
Are you thinking about remodeling the home you are buying and want to know how much value it will add to the home? Here is a helpful set of questions to help you find a qualified Home Remodeling Contractor who will get the job done to your satisfaction.
Before escrow closes, you have to arrange for electricity, gas, telephone, water sewer, cable, etc and this Phoenix Area Utility Services Directory has all of the utility contact information in one place for you.
Request a list of Phoenix homes and Arizona Foreclosures, specifying in your email your price range and the city or cities to be included. Many require as little as 3.5% down payment with the seller paying your closing costs and the cost of fix-up, repair or remodel of the home financed into your loan and paid out after close of escrow.
WANT TO BE MORE GREEN?
Investigate these Federal and State incentives available to make your home more energy efficient. Through 12/31/2016 there are substantial Federal Tax credits to add solar electric and solar water heating systems to your home, but you have to act quickly!
Are you new to the home purchase process or do you just want to know more?
My Buyer Information Booklet will be mailed to you at no charge upon your request. Just request your free copy mailed to you to learn the details of the home buying process. It is a terrific resource for the serious Buyer. (Please include your home mailing address with your request.)
Phoenix Home Buyer Guide shows how to select homes for sale in Chandler, Gilbert, Mesa, Phoenix or Scottsdale AZ and buy at or below market value.
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