Buying or selling a home? Arizona Premier Realty Homes & Land LLC. can help.

Buying a home can be stressful for most people. However, with a little planning ahead of time, it isn't all that hard. I like to supply buyers with an overview of the whole deal so they'll understand exactly what they can expect. These are my nine steps to buying a home.

Step 1 – Get ready to purchase a home
There are many things you need to take into account prior to commencing your home search. It's likely that you'll want to put together a list of features you want to have, get a feeling for what school districts you want to live in, and begin planning your budget. A good rule to adhere to is that your mortgage payment should be no more than 1/3 of your monthly income.

Step 2 – Get with a real estate agent in Glendale
This is where Arizona Premier Realty Homes & Land LLC. can help. I'd like to plan a time to meet with you and communicate with you about why you want to buy a home and get an idea of your future plans. We'll discuss everything from neighborhoods, school districts in the Glendale area, the mortgage industry, to any other economic factors that could potentially affect your buying decision today or in the future.

In addition, I'll assist you with getting started on your loan. I work with some of Glendale's best mortgage professionals, so you can rest assured that you're in great hands. They'll help you determine which type of loan is best for you, as well as help you get qualified.

Step 3 – Begin your search
After our initial meeting, I'll start searching for homes on the market that are great for you. I'll preview many of the houses and ignore the duds, and then we'll schedule appointments to tour the homes whenever it's most convenient for you.

When we tour the houses, I'll call attention to good features, as well as bad ones. I'll also ask you to tell me about things you like and dislike. Oftentimes, buyers update their wish list as we view homes and some features become more necessary than others. If that happens, I'll go back through all the listings one more time and trim it down to the house you've been dreaming about.

Step 4 – Understand the market
My understanding of the Glendale housing market is a crucial benefit in your home search. I am conscious of all the neighborhoods and schools, and I'll let you know which districts are "hot" and call for prompt action and the rest that are "cold" and allow for more analysis.

As we tour homes, I'll let you know if the seller's asking price has room for negotiation or if I believe the home is "priced to sell." Be mindful and make sure you ask lots of questions, as every REALTOR^® will tell you they know the housing market. If things don't add up, contact me at 623-594-7680 or e-mail me at brenda@azpremierrealty.com, and I'd be glad to answer any questions you may have. My knowledge of the market will keep you a step ahead through the entire process.

Step 5 – Find the home you've been looking for
I know we'll find the home of your dreams in Glendale. When we do, I'll meticulously create your real estate purchase offer. The offer will be tailored keeping your needs in mind, including some contingencies, such as acquiring financing, finishing the home inspection, and a clear title.

Upon submitting your offer, you'll likely want to present "earnest money." This is a cash deposit made to the seller to secure an offer to purchase the property and is usually applied to the closing costs. If the offer is accepted, we should close on the home within 30 to 60 days afterward. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts don't close on the beginning offer, and it's widely common to receive a counter offer. Don't let it alarm you. We'll discuss whether or not to take the counter offer, submit our own counter offer, or reject the seller's offer and go on.

Market conditions will play a vital role in how aggressively we negotiate the contract. We'll also work within your budget. And at the end of the day, we'll assemble a contract that's best for you.

Step 7 – Get financing
After we sign the final contract, you'll start working with your lender to close the loan. It shouldn't be a long process at all if you're already pre-qualified, but you'll need to stay in close contact with your lender. And I'll take care of all the property information your mortgage lender will need to close the loan.>

Step 8 – Close the deal
Your lender will furnish you with a Good Faith Estimate (GFE) of closing costs within three days of receiving your loan application. The estimate is based on the loan amount. RESPA requirements require that it has to include all closing costs and fall within a tight range of accuracy, and I'll examine the estimate and let you know if it all looks adequate.

Then it's time to close on your house. This should occur at a title company or escrow office and will likely be a smooth and easygoing affair.

Step 9 – Move in
Success! It's time to move into your new home. Enjoy it. And if you have any questions, simply contact me at 623-594-7680 or send me an e-mail.