Scottsdale Realtor

Locating the best new homes in Scottsdale Arizona can be a struggle.  Driving from development to development wondering which one will match your style, can make the Scottsdale Arizona new homes purchase difficult.

You have arrived at the right site.  Here you will be able to narrow down your search, simply by completing the form below.  Please make sure to include all the necessary information, so I will be better able to meet your needs. 

Soon you will receive a list of homes that have the custom features and special upgrades that you have been looking for in Scottsdale Arizona new homes.

Maximizing your search and providing the necessary information based on the current Scottsdale Arizona home market are details I provide all my clients.  Getting you connected.  This allows you the opportunity to preview Scottsdale Arizona homes that suit you. 

Accessibility, professionalism, and integrity are what I pride myself in offering to my clients. 

Give me a call at , I look forward to working with you, building relationships and making sure you meet your goals through Scottsdale Arizona new homes.

Some Scottsdale Arizona History:

• Major Winfield Scott homesteaded on the site that is now Scottsdale in 1881.

• After he retired from the military, he moved back to this area to live.

• His ranch became a spot to cure aliments and produced agriculture.

• In 1896, the area was named Scottsdale in honor of Major Winfield Scott.

Selling a Home

Selling a Home

The first thing on your “to do” list for selling your home is to find a real estate agent. A real estate agent knows the market, as it is today.  They can market your home to the world—literally. They’ll know what to fix now, and what to use in negotiations later. They know how to write a contract with your best interests in mind. In short, they can take of the headache, the worry, and the stress out of selling your house.  Their fee for working for you will be well earned.

 

The next step is to clean house! Get rid of any clutter, organize closets, and keep your home picked up and will lit. Have a garage sale and get rid of anything that you really don’t need or want. It is money well spent to hire a professional house cleaner to come in and wash your windows (and screens), dust, scrub the kitchen floor and cabinets, and don’t forget the baseboards.  Having the carpets steam cleaned is another good investment. Spot paint any walls that might be marred and replace any light bulbs that may now be working. Don’t forget your yard. Keep it mowed and watered.

 

Remember a clean yard and a clean home are essential to home selling!

 

If any major thing needs repair or replacing—stained carpets, washing machine, etc. let your real estate agent know and they can use that as a negotiating tool.

 

Once your home is tidy, the real estate agent can work his magic. He can photograph the home for the advertising and host an open house and show off your home to potential buyers.

 

Your real estate agent will sit down with you and explain the contract to you, he will negotiate with buyers on what you will or won’t replace or fix. Your agent will be your voice in the nitty-gritty details of the house selling process. Again, hiring a professional real estate agent is money well spent.

Credit Applications

What is a credit score anyway?  It is a number assigned to individuals that lenders use to determine if lending money to that individual is risky or not—will that individual pay back the loan or not. Credit scores are called FICOs (software the name of the software, Fair Isaac Corporation, used to determine your score).

 

Evaluating your current credit situation is almost impossible to do for the average consumer. We have partnered with an online credit evaluation system for your use. The goal is to get your credit score as high as possible by mapping out a comprehensive process that is easy to use. There are three credit bureau scores that are evaluated by mortgage lenders, Transunion, Equifax and Experian. Your lowest scores are pulled from these credit bureaus and run through our credit analyzer software system.

 

The software will be evaluating your past credit history, the types of credit accounts you currently have, your employment status, your housing status (do you rent or own, for how long), and how much debt your currently carry (credit cards with unused credit limits may count as debt as you could run them up to the limit at any time.  It is advisable to keep a little debt on a credit card to show that you do pay something on it monthly.  Credit cards that are paid off every month do not count in your favor.) These same things are taken in to consideration by a prospective lender when you apply for a loan.

 

While this is not an exact science, it has proven to be quite accurate. The final analysis outlines the steps to be taken by you to help you obtain a higher credit score in the shortest amount of time so that you may apply and receive conventional financing.

 

Please contact us with any questions and complete the short application that has been provided. Your credit analysis will be done and you will be given a written report outlining the steps you will need to take to improve your credit score. A fee for this service may apply. Please speak to your agent or call us for more details.

 

Credit Repair

Life happens, bills get lost and sometimes don’t get paid on time. Money is tighter some months than others, credit cards are easy to use and sometimes they don’t get paid off on time. Layoffs and job changes, it happens, and it can show up on a credit report. Don’t worry, it can be fixed.

 

• Take a look at your credit reports and make sure there aren’t any mistakes, and dispute any errors if you find them.
• Pay down some of those credit cards—pay them down, don’t move the debt to another credit card.
• Pay your bills on time. If you need to contact your creditors and work out a payment arrangement to pay your bills do so.
• Don’t open new accounts.

Rent To Own

“Rent to Own / Lease to Own.” These options allow the buyer to lock in a price on a property for a year or so while they secure financing through a lender, or sometimes a buyer wants to just have the option to purchase a property at a later date.

There are actually three different financing options: Options to Purchase, Lease Options, and Lease Purchase. These options have legal variances according to the state in which you are using them. It is always a good idea for the buyer and the seller to obtain the advice of a real estate lawyer when entering an agreement of this sort.

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Financing A Home

How much can you borrow and how much should you borrow? Your credit, your existing debt, your current employment status, and how much money you have to put down on a home determines how much you can borrow and what type of financing your qualify for. What is your monthly payment going to be? Does that include taxes and insurance? You might qualify for a larger amount of money than you need to, or should, borrow. Once you find a lender or a mortgage broker, they can tell you how much you can borrow, and what types of mortgages are available. 

 

If you know how much you want to borrow, you should have enough money saved to use as a deposit—the amount of your deposit can help to determine the interest rate you may qualify for, so the higher deposit, the lower the interest rate on the money you borrow.  As a rule of thumb, most lenders are comfortable with the deposit money being 5% of the amount you want to borrow. Ten percent is even better.

 

If you have less than 5% in deposit money, the lender may demand that you purchase an insurance policy that protects the lender in case you default on your loan. This can be quite expensive and it usually is in place until you have repaid a high percentage of your loan.

Is your credit damaged? Are you self-employed? Have you moved recently? There are other options besides mortgage brokers to use in financing a purchase of a home.

Buying Your First Home

Buying Your First Home

Buying a home is probably the biggest investment you will make in your lifetime. You need to consider several things when you considering buying a home. Where do you want to live? How much can you borrow and how much should you borrow? Should you buy a new home or an existing home? What are your financing options? All of these questions can be made easier if you have a real estate agent helping you. 

 

Finding a real estate agent is your first step to buying a home. All agents go to a real estate school and are required to pass a state and federal real estate test in order to obtain their real estate license. Our agents specialize as a buyer’s agent or as a seller’s agent so that you can feel secure knowing that your agent works only for you and has your interests at stake. You want a professional to help you through the maze of paperwork and to help you find the house that you want. Our agents have the experience, both in a seller’s market as well as in a buyer’s market.

 

Generally, agents are paid from the seller’s side of the deal. When a house is put up for sale, the seller and their agent agree to a percentage of the selling price to be split between the seller’s agent and buyer’s agent. The buyer usually is not involved in determining how much their agent gets paid.

 

Where do you ant to live?  This will be limited to what you can afford to buy, but it is a good place to begin. Become familiar with different neighborhoods.  If you have children, you might want to consider a neighborhood close to schools and parks. Perhaps you like to go out to eat, or to the movies, or you enjoy being downtown close to shopping—living in the vicinity of all these activities might be preferable.  Living close to where you work, or close to mass transit is another option to consider.