Purchasing your home in Glendale with Arizona Premier Realty Homes & Land LLC.

Buying a home can be stressful for a lot of people, but with a little up-front planning, it's not all that difficult. So they'll know exactly what to expect, I like to provide buyers with an overview of the whole deal. Below are my nine steps to purchasing a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer any questions you have regarding this information.

Step 1 – Prepare to purchase
There are plenty of things you'll want to consider prior to beginning your home search. When you begin your search, you'll want to make an index of features you want to have, plan for what school districts and neighborhoods you'd like to live in, and start planning around your budget. A good principle to follow is that your mortgage payment should be around 1/3 of your monthly income.

Step 2 – Communicate with a real estate agent in Glendale
This is where Arizona Premier Realty Homes & Land LLC. comes in. We can book a time to get together so we can talk about your real estate needs and get an idea of your plans for the future. We'll talk about the mortgage industry, other economic factors that could affect your buying decision today or in the future, as well as neighborhoods and school districts in the Glendale area.

I'll also help you get started on your loan. There are some great mortgage professionals in Glendale, and I work with a lot of them, so you can rest assured that you're in great hands. They will help you choose which kind of loan is best for you, as well as help you get approved.

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

As we tour homes, I'll call attention to good features and bad ones. And I'll ask you to tell us about things you like and dislike. Usually, buyers revise their list of must-haves as we view homes and some features become more substantial than others. If that happens, I'll go back through all the listings once again and trim it down to the house you've been wishing for.

Step 4 – Understand the housing market
My knowledge of the Glendale home market is an essential factor in your house search. I'm acquainted with all the schools and neighborhoods, and I will communicate some neighborhoods are "hot" and call for prompt action and some that are "cool" and allow for thoughtful examination.

When we tour houses, I'll be sure to tell you when the asking price has room for negotiation and also when I trust the home is "priced to sell." Any REALTOR in Glendale will convince you they truly know the market, but trust your instincts, and make sure you ask plenty of questions. If things don't add up, contact me at 623.594.7680 or e-mail me at , and I'd be happy to answer any questions you may have. My understanding of the market will help you stay a step ahead throughout the entire process.

Step 5 – Find the home you've been looking for
I'm certain we'll find the house of your dreams in Glendale. When we do, I'll meticulously create your real estate purchase offer. The offer will be tailored exactly to your needs and the home, including some contingencies, such as getting financing, completing the inspection, and a clear title.

When turning in your purchase offer, you'll likely want to present "earnest money." This is a cash deposit submitted to the seller to secure the offer to buy the property. The amount is most often put towards the closing costs. If the offer is accepted, we should close on the property about 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most contracts don't close on the first offer – it's very common to receive a counter offer. Don't let this intimidate you. We'll discuss whether or not to take the counter offer, propose our own counter offer, or reject the seller's offer and go on.

How aggressively we negotiate the deal depends on market circumstances. In addition, we'll work within your financing budget. And at the end of the day, we'll formulate a contract that is best for you.

Step 7 – Get your loan
Once we sign the final contract, you'll start working with your lender to close the loan. If you're already pre-approved, it won't be a long process at all, but you should to stay in close contact with your mortgage lender. And I'll care for all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
Your mortgage lender will provide you with a Loan Estimate (LE) of your closing costs within three days of getting your application. You'll get a Loan Estimate (LE) of closing costs from your lender within three days of taking your loan application. The estimate is formed from the loan amount, and RESPA requirements mandate that it has to involve all closing costs and fall within a narrow range of accuracy. I'll review the estimate and let you know if it all looks permissible.

Then we'll close on your home. This should take place at a title company or escrow office and should be a smooth and stress-free occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything or have any questions, just contact me at 623.594.7680 or e-mail me at .