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  • 1. Are You Ready?   • 2. Get a Realtor   • 3. Get Loan Pre-Approval   • 4. Look At Homes   • 5. Choose A Home   • 6. Get Funding   • 7. Make an Offer   • 8. Get Insurance   • 9. Closing   • 10. What's Next?   • 10 Mistakes You Can Not Afford To Make   • Understand Your Credit   • Loans and Credit Q&A   • Find Our Dream Home   • Loan Status Report   • Home Appraisal   • What exactly is the 13 SEER issue?


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LOOKING FOR A NEW HOME?

10 Steps to Home Ownership!

 1.  Are you Ready?  6.  Get Funding
 2.  Get a REALTOR®  7.  Make an Offer
 3.  Get Loan Preapproval  8.  Get Insurance
 4.  Look at Homes  9.  Closing
 5.  Choose a Home  10.  What's Next?

Tools and Information for Homebuyers

Scottsdale Climate Chart - Low, Average, and High termperatures.

Buyers should first check their FICO (Fair Isaac Corp) credit scores to be certain a mortgage can be obtained at the best possible interest rate.  The best spot we have found to check credit is http://www.myfico.com/ Last we checked the cost was $49.95 to review credit reports from the three national credit bureaus, Equifax, TransUnion, and Experian. By checking credit at all three bureaus, there is time to correct any errors before applying for a mortgage.  You can obtain free credit reports from all three major companies at http://www.annualcreditreport.com/  or call 1-877-332-8228.  However, those reports don't include FICO scores, which all major mortgage lenders now use.  Any FICO score above 700 nearly assures you will get the lowest mortgage interst rate.  Armed with your credit reports and FICO scores, the next step is to shop for written mortgage preapproval.

When you find a home a Purchase Contract  Document will be the instrument of conveyence. A sample copy is provide in a PDF file format so you can become familiar with the document before you have to use it with the offer on your next house.

A must read document called the Buyers Advisory is provided by the Arizona Association of Real Estate

Do you like to play golf and you're wondering where all the golf courses are in Arizona?  Just click here to find the ones right for you.

New-Efficient Air Conditioner: Congress has passed a new 13 SEER standard that becomes effective in January of 2006 and will have a positive impact on the consumer.  What is the SEER 13 issue?

Calculate the difference in Cost-of-Living from your old to new location. Salary Calculator

Figure out what you can afford with our Mortgage Payment Calculator.

Not sure how much money you'll have to earn per year to afford your house payment
and accompanying expenses? 
Find out by clicking here.

Find Your Dream Home

Looking for a place to stay or hotel during your home search in our greater Phoenix area?  Two of our favorites are the Princess and the Marriott at Desert Ridge.  Of course, there are a host of places to stay to accommodate tourists so you have a large variety to choose from.  Just click here to investigate a hotel that meets your needs.  If you Need a "Pet Friendly Hotel" during your stay they are available in all price ranges.

Need help?  Contact Us Now

 

Real Estate Glossary of Terms
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FREE - Buy A House With Zero Cash  
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Valley of the Sun Team

Keller Williams Arizona Realty
9500 E. Ironwood Square Drive, Suite 101
Scottsdale, Arizona 85258
Phone: 480-595-6410 or 877-553-2539
Email:
office@votsr.com

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