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MAKE SURE YOU’RE READY TO BE A HOME OWNER
Owning your first home is an amazing feeling. I am speaking of course from my personal experience in 1999. There is almost nothing that can compare to receiving your first set of home keys and giving your new address to friends and family. And of course having them over for your first BBQ, Christmas holiday, pool party or baby shower. There is a sense of pride like no other, which is to say, I made it.
Home ownership however does come with additional responsibility other than just making your monthly payment. Make sure you are ready to take that next step and be honest with yourself about taking the ownership leap. But keep in mind, when done right, its one of the best feelings in the world.
LOOK FOR FINANCING
Once you are ready to make that leap into home ownership it is time to find the right loan for your new home.
When searching for the right loan option there are many companies at your discretion. We would be happy to recommend a lender who will provide you the background and answers needed to secure a good and affordable home loan.
These are a few of the first time borrow loans you can apply for;
- FHA (Federal Housing Administration) or VA (Veterans Administration) loans
- 1% down payment loans
- 30-year mortgage loans
As we strongly suggest throughout our site, get pre-approved before you go home shopping. Know what you can afford and be comfortable with that monthly payment.
IMPROVE YOUR CREDIT RATING
Getting any type of loan and especially a home loan requires good credit. Request a copy of your tri-merge credit report and find out how you can improve your credit score to obtain the best loan possible. There are many factors that go into your credit score. Some of the best factors to increase your score are; making monthly payments on time, keep your credit card balances low, do not over extend yourself with debt.
WORK WITH A TRUSTED REALTOR
Surrounding yourself with a team that has your back is a very reassuring feeling when there are so many pieces that go into the purchasing process. Your team will include , your realtor, your lender, your title company, your inspectors, your appraiser and a few others. Make sure they are all committed and on your team.
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Jan and Nancy V. – Vancouver WA
From the initial meeting via e-mail to introduce himself and offer assistance to us in purchasing a home from states away I knew Bryan Staley was a realtor who was knowledgeable and professional. He consistently went above and beyond responding… Read more “Jan and Nancy V. – Vancouver WA”
Sean H. – West USA
It was nice to meet you today! Working with a professional is always refreshing in our business. You never know who you’re going to get on the other end. Really appreciate your work on this. Thanks again for all your… Read more “Sean H. – West USA”
Jim and Jerrie Ann B. – Glendale, AZ
Jerrie Ann and I really appreciate the extra effort and patience you provided to us during this somewhat arduous process. Your professionalism and determination are the reason we ended up with the home we wanted. Kudos on a job well… Read more “Jim and Jerrie Ann B. – Glendale, AZ”
John & Jodie H. – Seattle, WA
Bryan,
We absolutely love Cave Creek. We feel like we landed in the perfect spot for our lifestyle and wants/needs. We had the perfect agent (grin) and your enthusiasm on the Cave Creek area helped push us into the… Read more “John & Jodie H. – Seattle, WA”
James S. – Gilbert, AZ
If only we had used Bryan from the beginning. We listed our house with another realtor and it was a nightmare luckily a friend shared Bryan’s contact information with us Bryan was amazing. He helped through the transition and found… Read more “James S. – Gilbert, AZ”
Max C. – Phoenix, AZ
Bryan is a true professional – dedicated, sharp, proactive and always on top of things – he is one of those people, who makes difficult things look easy. He is very knowledgeable about local areas, constantly keeps track of
Shawn S. – Cave Creek, AZ
Bryan was referred to me by a very close friend. My brother and I were selling my mother’s house. Bryan is amazing and walked me through this process every step of the way. Any questions, I had, he answered and… Read more “Shawn S. – Cave Creek, AZ”
Daniel K – Scottsdale, AZ
I want to thank Bryan and Phoenix homes for helping me find my new place. It was by complete chance online that I found Bryan and couldn’t have found a better agent. Funny how things work like that. He was… Read more “Daniel K – Scottsdale, AZ”
Sherrlynn T. 2015 – Andover, MN
My experience with Bryan Staley was exceptional from start to finish. Bryan set up search parameters on the MLS and helped me narrow my search to find exactly what I was looking for. When it came time to present an… Read more “Sherrlynn T. 2015 – Andover, MN”
David and Victoria J. – Detroit, MI
Bryan Staley is an excellent real estate professional. He is very customer focused and is fully dedicated to consistently doing an outstanding job. Bryan has great follow up skills and keeps abreast of what is occurring in the real estate… Read more “David and Victoria J. – Detroit, MI”