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3 Easy Steps to Get the Best Mortgage in Arizona

A 3-Point Plan

Best Financing

When you’re looking to buy a home, the first thing most homebuyers do is start the process of house hunting. However, experience proves that this is one of the last steps you should be taking if you want to get the most home for the least amount of money. In fact, shopping for the best financing should start long before you start shopping for a home. This report outlines 3 important steps you should take to obtain the best financing rates when you buy a home. Read on to find out where you can inquire, what questions you should ask, and how to manage the process to your personal advantage.  

 

“…shopping for the best financing should start long before you start shopping for a home.”

3 Point Plan

3 Critical Questions to Ask When you’re looking for an agent to assist you in finding a home, make sure you find out the answers to these important questions: 1. Can you get me quick, easy and FREE mortgage preapproval? 2. Can I get preferred access to special low down payments, monthly payments and interest rates? 3. Can I get special advance notice of listings that computer-match my home buying criteria? You owe it to yourself to benefit from these cost saving benefits.

 

  1. Get Preapproved for a Mortgage . . . Getting preapproved for a mortgage will give you a number of important benefits including emotional security in the house-hunting process, and insurance against rising interest rates in the market place. Preapproval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage brokers can obtain written preapproval for you at no cost and no obligation. More than just a verbal approval from your lending institution, a written preapproval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you're looking for. Preapproval means no last minute shopping around for money and rates. With a preapproved mortgage, if rates go up, you still get the preapproved rate, but if rates go down, you receive the lower rate.
  2. Receive Preferred Access to Special Low Financing . . . Agents that conduct hundreds of real estate transactions every year may be able to offer you certain negotiating advantages with lending institutions. These lenders are often anxious to do business with such agents and their clients, and may be willing to extend better than average rates. This can make purchasing a home much easier and more affordable for many buyers to qualify for a minimum down payment, and low monthly payments. Therefore many more buyers can own the home of their dreams much sooner than they ever thought possible.
  3. House hunting Service…Most agents offer a house-hunting service to make it easier for you to find the home you want. Through these programs you can find out in advance which homes on the market match your home buying criteria. To do this you simply provide your agent with a brief description of the type of home you’re looking for, for example, number of bedrooms, price range, neighborhood and so on. Then you should receive advance notice (including pictures) of all the homes for sale that match your requirements. This will give you the competitive edge to find out before other buyers which homes that are likely to be of interest to you. Because you are there before most other buyers, perhaps you can even negotiate a better price. You can then drive by these homes, without the assistance of an agent, to see which ones you want to view. Then it’s simply a matter of you advising your agent about which homes you like and want to see.

$489,000
2 Beds 2 Baths 7058850 MLS 1,655 SqFt.
Welcome to the Viva Villa in the highly sought after Pebblecreek Active Adult Community! You will love this model! 2 bedrooms 2 bath and den are the perfect combination along with the open floor plan. This Viva is so nice and bright inside with full interior and garage recently painted (2024) giving that fresh and new feeling. All windows are covered with plantation shutters for that resort feeling throughout. The kitchen is stunning! Bright white and cheerful including under cabinet lighting and the amazing center island allows plenty of room to entertain. The primary bedroom suite is the perfect size with updates made to the bathroom including waterfall glass in the huge shower for the added bit of privacy, mirrors and light fixtures. Features walk-in closet, spacious linen closet and dual sinks, The guest bedroom and den are the perfect size with split location from the primary allowing for the privacy to your guests. The extended north facing covered patio is a great area to relax or entertain. The pony wall, turf area and gate provide a little added "security" for your small pets to have a safe place as well. Extra thought went into storage solutions for this home, which include newly added ceiling storage racks in the garage, laundry room and primary bedroom closet storage units, slide out shelves in lower kitchen cabinets, trash & recycle pull out in kitchen. Most light fixtures and fans have been updated throughout the home in 2026. Whole house water softener and filtration, and kitchen RO system with new faucet replaced in June 2026. New smart thermostat was installed in 2026. This Viva gives that resort vibe throughout! Dining table, chairs, buffet and matching bars stools included. Newer (2024) front load washer and dryer with pedestal also included. This is a fantastic opportunity to have "living " in the Active Adult community dream come true! 3- 18 hole golf courses, indoor/outdoor swimming pools, Pickleball courts, Tennis, Softball, 2 restaurant/bars, Fitness center, Creative Arts center and so much more!! Come visit this great Villa and Community!

16948 W Palm Lane, Goodyear

$1,250,000
4 Beds 4 Baths 7058840 MLS 2,877 SqFt.
Some homes are remarkable not because they have already been transformed, but because they offer something far more difficult to find: an extraordinary lot, a peaceful setting, and a story of care that spans generations. Set within one of the subdivision's most coveted interior pockets, this premier flood-irrigated lot is one of the largest in the neighborhood. According to the seller, the lot was originally selected by the subdivision's designer for his own residence - a choice that still feels unmistakably intentional today. Positioned within the neighborhood's distinctive circular enclave, the home enjoys a rare front-facing perspective with views of mature trees, lawns, and neighboring yards, and no home positioned directly across from its front windows. Owned, expanded, and carefully maintained by architect/designer owner for decades, the home reflects a long history of thoughtful stewardship and gracious living. This is a home from an era when rooms were generous, gatherings were grand, and the backyard was meant to be filled with music, dinner parties, and celebration. Swarovski crystal chandeliers, oversized closets, expansive glass doors, and large picture windows speak to the home's sense of glamour and occasion, while original and long-held finishes offer the next owner the opportunity to renovate, reconfigure, or reimagine the home around an irreplaceable lot. The flexible east-side addition offers separate entrances, a bathroom, generous storage, and existing utility connections, creating intriguing potential for multigenerational living, guest quarters, a private studio, office wing, or future attached suite. For buyers envisioning a luxury redesign, future expansion, EV charging, workshop space, or high-demand equipment, the home's rare three-phase electrical service offers an uncommon infrastructure advantage. Additional features include flood irrigation, mature landscaping, a reinforced concrete tile roof, a recently installed electrical panel, and a 220V garage outlet for EV charging readiness. Seller also reports unusually low electric costs for a home of this size. With mature trees, flood irrigation, generous lawns, and close proximity to dining, trails, and premier school options, this home captures the quintessential North Central lifestyle. Walls can be repainted. Floors can be replaced. Flow can be reimagined. But this lot, this position, this provenance, and this sense of arrival cannot be recreated. It is available here, and it is available now.

1001 W Kaler Drive, Phoenix

$749,999
2 Beds 3 Baths 7058838 MLS 2,001 SqFt.
Experience luxury living in this highly coveted Potomac Spanish residence, located within the prestigious Sterling Grove Golf & Country Club community in Surprise, Arizona. Designed with an optimal split-bedroom layout for maximum privacy, this exceptional property features a bright, open-concept great room that flows effortlessly into a private home office. At the heart of the home is a chef-inspired gourmet kitchen, fully equipped with a gas cooktop, wall oven, built-in microwave, and premium cabinetry. A large quartz island serves as the perfect centerpiece, complemented by a stylish tile backsplash. Elegant window treatments and durable, high-end vinyl flooring run throughout the home's main living areas. The interior transitions seamlessly to a private outdoor oasis via... ...upgraded, multi-panel stacking glass doors. Outside, you can enjoy resort-style Arizona living with a pristine heated pool and spa, completely framed by the rare advantage of having no rear neighbors behind you. When it is time to unwind, the generous master suite offers a peaceful retreat, complete with a spa-like bathroom featuring dual sinks, a dedicated vanity station, a spacious walk-in shower, and an expansive walk-in closet. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

12075 N Luckenbach Street, Surprise

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