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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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Chuck and Ami B. – Africa
Bryan your professionalism and attention to detail was refreshing. Being in Africa had its challenges but with you being there for us it made the home buying process much easier. And it’s the perfect home. Chuck is very much looking… Read more “Chuck and Ami B. – Africa”
Barbara and Doug S. – Chehalis, WA
Bryan has helped with the buying and selling of a home in the Queen Creek area for us. He is an outstanding and honest individual that keeps his clients at the forefront from beginning to end. He stayed with us… Read more “Barbara and Doug S. – Chehalis, WA”
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”
RaeAnne B. – Gilbert, AZ
I was referred to Bryan Staley by NSB Mortgage (after sharing the realtor we had selling our house was terrible) & I couldn’t have been happier to work w/him. Bryan was very knowledgeable & helpful when we had questions about… Read more “RaeAnne B. – 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 market… Read more “Max C. – Phoenix, AZ”
Bill G. – Chandler, AZ
We wanted to thank you for all your help with the purchase of our Chandler home. We were very fortunate to find you through Phoenix Homes. The home is amazing and we love the community too. Thank for again for… Read more “Bill G. – Chandler, AZ”
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”
Lorraine F. – Russ Lyon Realty
Bryan, Thank you for all of your work on this closing. I have thoroughly enjoyed working with you. I will be moving out of the area but will be back in the spring and I do hope our paths cross again!… Read more “Lorraine F. – Russ Lyon Realty”
Mark and Liz R. – Gilbert, AZ
We will never work with another realtor again! Bryan was absolutely outstanding throughout our purchase process. He studied our personalities and what we liked in a house and went out of his way to ensure that those were the types… Read more “Mark and Liz R. – Gilbert, AZ”
Roger B.- BueelStrasse, Switzerland
When I wanted to buy a house in the Valley, I didn’t know any real estate agents at the time. It was rather by accident that I came in contact with Bryan Staley through Phoenix Homes. However, I soon realized… Read more “Roger B.- BueelStrasse, Switzerland”