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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.

$1,999,000
5 Beds 3.5 Baths 6709252 MLS 4,085 SqFt.
Discover an exceptional sanctuary on an expansive acre corner lot! Entertain in style in the spacious courtyard with a cozy fireplace and travertine flooring. Inside, a grand double forged iron door leads to an open layout featuring tile flooring, skylights, and multi-sliding doors blending indoor and outdoor living. Cook like a chef in the gourmet kitchen with high-end SS appliances, granite counters, and a generous island. The four-car garage offers built-in cabinetry and high ceilings. With space for additional luxuries like a detached garage or a charming casita, this home invites you to embrace a lifestyle of unparalleled richness. Indulge in the luxurious owner's retreat, where a stone-accented fireplace sets a serene ambiance. Pamper yourself in the spa-like ensuite, boasting a rejuvenating soaking tub, backyard access, dual vanities, and a generously-sized walk-in closet. Another bedroom and a versatile bonus room, each with their own outdoor exits, offer flexibility and comfort. Step outside to the beautifully landscaped backyard, thoughtfully divided for both aesthetics and functionality, featuring lush artificial turf and a shaded patio for tranquil relaxation. Beyond the charming wrought iron fence lies an expansive space awaiting your personal touch - whether it's adding a full-size RV garage, creating a corral with stalls for your horses, or even installing a pickleball court, the possibilities are endless. Bring along your beloved horses and outdoor toys, as there's more than enough room to accommodate both, ensuring endless adventures and cherished memories. Seize this opportunity - your dream lifestyle awaits!

5515 E Dale Lane, Cave Creek

$925,000
4 Beds 2 Baths 6707711 MLS 1,996 SqFt.
Practically a new SMART home! In 2020 this home was completely gutted (just studs & foundation remaining) & then rebuilt with the best materials. This is not a flip! The owner spent a year and a half renovating this property with every detail in mind since they had planned to live in it (must see the feature list). Just a few things to note: 100% new electrical (new panel, wiring, outlets, switches, etc), 100% new plumbing (the exception of a few feet of drain that was re-lined), 100% new drywall (no concerns with asbestos or lead paint), 100% new Pella Low-E insulated windows, 100% new insulation (spray foam in walls & ceiling including the garage!), 100% new A/C & duct work, 100% new roof with 30 year shingles, Updated pool (Pebblesheen finish, Baja deck, variable speed pump, Pool light ,refinished pool decking). This is a smart house allowing you to operate your cameras, thermostat, door locks, landscape irrigation, water heater, garage door & lights from your phone or Alexa device! All cabinets (kitchen, bathrooms & laundry) are solid wood, dovetail/ soft close with matching quartz countertops. 3 closets have built in drawers. Matching solid wood 5 panel interior doors & an Iron front door with opening glass/screen. New interior paint, carpet/pad in 2024. Extensive landscape lighting front/back & synthetic stucco requires no maintenance. Fire suppression throughout the house. The list goes on & on! You must see this home, it's unlike anything in the area. Located in the heart of Scottsdale close to Old Town with great shopping, world class restaurants, golf courses, spring training & walking distance to chaparral park! Quick & easy access to 101/202 Freeways & Sky Harbor Airport!

8649 E Vista Drive, Scottsdale

$659,000
3 Beds 2 Baths 6709006 MLS 2,182 SqFt.
Located on the prestigious Foothills Golf Course in Ahwatukee, this single-level home exudes a feeling of sophistication and comfort. The residence offers 3 bedrooms and two full baths. Upon entering you will notice the abundance of natural light cascading from the skylight above. The floorplan features a formal living and dining room with a robust fireplace taking center stage. You will also find a compact wet bar which serves its purpose without overwhelming the space. The eat-in kitchen features granite counters, stainless appliances and golf course views. This opens to the family room, also equipped with its own fireplace, creating a warm and inviting atmosphere. The primary suite is where you will find relaxtion after a long day. An exit to the backyard makes it convenient for those late night swims. You will love the spa-like bath complete with a garden style tub, walk-in shower, separate dual vanities, and oversize closet. In addition there are two other bedrooms and a full size bath. The backyard is where you will spend much of your time! The extended full length patio offers plenty of space for outdoor furniture. You will enjoy the best of both worlds having the golf course behind with privacy hedges! The custom swimming pool features fountain-like water features along with swim jets to keep you in tip top shape! While an above-ground spa offers the ultimate in relaxation and rejuvenation. If you aren't sold yet, step into the 3-car garage! You will be amazed at the space and the amount of natural lighting offered from the garage skylights! Just when you thought you would not be impressed by a garage! This is a property you do not want to overlook. Not only has it been meticulously maintained, it is a home where you will sense peace and realize that you are home as soon as you enter.

16615 S 15th Street, Phoenix

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