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O'Keith Judish's Blog

By Vohn Precioso | Agent in Surprise, AZ
  • Own your Dream Home with the “Home in 5 Program”!

    Posted Under: Home Buying in Phoenix, Financing in Phoenix, Rent vs Buy in Phoenix  |  July 13, 2014 7:30 AM  |  143 views  |  1 comment

    If you are an aspiring home buyer looking to own your dream home, the “Home in 5 Program” is the ideal avenue toward reaching that goal. “Home in 5” offers an unprecedented valued to home buyers by providing 5 percent towards the down payment and closing costs up to 15,000 dollars.

    The “ Home in 5 Program” will guarantee home buyers  the funds needed to obtain their dream home. Not only that, but the funds never have to be paid back. Instead of renting, allow the “Home in 5 Program” get you on your way to owning your own home.

    What are you waiting for? Learn more about this program today by simply visiting our website at http://www.homein5az.com.

  • Home in Five Advantage

    Posted Under: Home Buying in Phoenix, Financing in Phoenix, Rentals in Phoenix  |  July 12, 2014 9:43 PM  |  58 views  |  No comments

    home in 5 programYour Dream is within your Reach- Get 5% for your Down Payment and Closing Cost up to 15,000 dollars

    Are you dreaming of owning your own home? Then, the “Home in 5 Program” might be the perfect mortgage financing option for you!

    If you are an aspiring home buyer, the “Home in 5 Program” can offer you 5 percent towards your down payment and closing costs, up to $15,000. If you think it can’t get better than that, it does: it doesn’t have to be paid back. Ever. The “Home in 5 Program” is part of a mortgage financing program that works with USDA, VA and FHA home loans to provide an incredible incentive for home buyers. As an aspiring homeowner, it is imperative that you are aware of how current renting expenses compare with those of owning your own home. 

    While some may believe that owning is much more expensive than renting, you may be shocked, like many other aspiring buyers, at just how affordable owning can be, especially when the “Home in 5 Program” is there to help.

    If you want to know more about this exciting offer for homeowners, all you have to do is to visit us at http://www.askokeith.com

  • Ready to buy a home with the home in 5 program?

    Posted Under: Home Buying in Phoenix, Rent vs Buy in Phoenix, Home Ownership in Phoenix  |  May 12, 2014 7:35 AM  |  428 views  |  No comments
    Home in five #askokeithReady to Buy A Home? Tired of Paying Rent? 

    HERE is the good news....if you are one of the many potential home-buyers that do not have sufficient savings set aside for a down payment or even the closing costs, pay attention to this message.

    There is now a program that assists home-buyers with the down payment and closing costs! That’s right! You can receive, free from repayment, get 5% towards the down payment and closing costs of up to $15,000.

    The State received generous funds from the Federal Government due to the past recession, and this money has made its way into the ‘Home In 5’ program. This money does not have to be repaid.

    Hard to believe, right? Well, believe it! Call or TEXT O’Keith Judish at 623-224-7956 TODAY.

    There is only so much FREE Money to give away. For more information on the Home in 5 Program, visit http://www.homein5az.com

  • Get 5% towards down payment and closing cost up to $15,000

    Posted Under: Home Buying in Phoenix, Financing in Phoenix, Rent vs Buy in Phoenix  |  May 7, 2014 7:55 AM  |  379 views  |  No comments
    The Home In 5 Advantage program is one of those great things that if you can take advantage of it – do!  Right here in Maricopa County, there is free money available to help you buy a home.

    But the money won’t last forever – when the program launched, there was about 32 million available – and as of April, 2013 there is now about 2.5 million left. It is possible that another allocation of money will happen – but don’t count on it! Get pre-qualified now with a leading lender who is participating in the program.

    How the Home in 5 Program Works

    Five percent of the loan amount is given to a borrower to cover their down payment and a portion of their closing costs. Veterans receive 6 percent and, since they are already eligible for 100 percent financing, the 6 percent covers all of their closing costs and essentially they get into the home for nothing.

    There is a minimum credit score requirement of  640, and your household income cannot be higher than $88,000. The maximum sales price of the home in Maricopa County of $300,000.

    NOTE: The Home in 5 program also is now open in Yavapai and Coconino Counties – and if it goes like it has in Maricopa County, expect there to be a mad rush to get approved for the program.

    You do not have to pay the money back – it is considered a grant and not a loan.

    Here’s the list of eligibility requirements:
    • Available for FHA, VA, and USDA 30 year loans
    • Qualified US Military Personnel will receive 6%
    • Home must be located within Maricopa County
    • Purchase price cannot exceed $300,000
    • Home must be a primary residence
    • Minimum FICO credit score of 640
    • Borrower income cannot exceed $88,340
    • This is a grant, no repayment required
    • Available for all of Maricopa County
    • Meets FHA Down Payment Requirements
    • All buyers must attend an eight-hour online home buyer education course

    The eligibility for this program gets even better if you are a Qualified United States Military personnel and yes, it includes Qualified Veterans, active duty United States Reservist and active members of the National Guard. 

    As a United States Military personnel you will receive an extra 1% up to $3,000 on top of the 5% up to $15,000.
    If you or anyone you know is in the military and looking to purchase a home, have them call O'Keith Judish at 623-224-7956, because once the funds are gone, they are gone for good.
  • Sales of new single-family homes for December 2013

    Posted Under: Home Buying in Phoenix, Home Selling in Phoenix, Credit Score in Phoenix  |  February 26, 2014 8:11 PM  |  533 views  |  No comments
    Sales of new single-family homes for December 2013 came in at a seasonally adjusted annual rate of 414,000. This is 7.0% below the revised number for November, but 4.5% above the December 2012 figure of 368,000.

    Mortgage rates are likely to be influenced by the Federal Reserve meeting this week with its policy announcement due on Wednesday. It is widely anticipated that the Fed will reduce its bond purchases by another $10 billion per month.

    A decision not to continue the taper may indicate the Fed has lost a little bit of faith in the economy™s ability to grow without support. The GDP estimate for Q4 is scheduled for release on Thursday and is estimated to come in at 3.0%.

  • 10 Tips for Moving With Pets

    Posted Under: Quality of Life in Phoenix, Home Selling in Phoenix, Rentals in Phoenix  |  September 7, 2013 2:13 PM  |  843 views  |  No comments
    Moving to a new home can be stressful on your pets, but there are many things you can do to make the process as painless as possible. O'Keith from Arizona Premier Realty in Surprise, AZ., offer these helpful tips for easing the transition and keeping pets safe during the move.
    1.    Update your pet’s tag. Make sure your pet is wearing a sturdy collar with an identification tag that is labeled with your current contact information. The tag should include your destination location, telephone number, and cell phone number so that you can be reached immediately during the move.
    2.    Ask for veterinary records. If you’re moving far enough away that you’ll need a new vet, you should ask for a current copy of your pet’s vaccinations. You also can ask for your pet’s medical history to give to your new vet, although that can normally be faxed directly to the new medical-care provider upon request.

    Depending on your destination, your pet may need additional vaccinations, medications, and health certificates. Have your current vet's phone number handy in case of an emergency, or in case your new vet would like more information about your pet.
    3.    Keep medications and food on hand. Keep at least one week’s worth of food and medication with you in case of an emergency. Vets can’t write a prescription without a prior doctor/patient relationship, which can cause delays if you need medication right away. You may want to ask for an extra prescription refill before you move.

    The same preparation should be taken with special therapeutic foods — purchase an extra supply in case you can't find the food right away in your new area.
    4.    Seclude your pet from chaos. Pets can feel vulnerable on moving day. Keep them in a safe, quiet, well-ventilated place, such as the bathroom, on moving day with a “Do Not Disturb! Pets Inside!” sign posted on the door.

    There are many light, collapsible travel crates on the market if you choose to buy one. However, make sure your pet is familiar with the new crate before moving day by gradually introducing him or her to the crate before your trip. Be sure the crate is well-ventilated and sturdy enough for stress-chewers; otherwise, a nervous pet could escape.
    5.    Prepare a first aid kit. First aid is not a substitute for emergency veterinary care, but being prepared and knowing basic first aid could save your pet's life. A few recommended supplies: Your veterinarian's phone number, gauze to wrap wounds or to muzzle your pet, adhesive tape for bandages, non-stick bandages, towels, and hydrogen peroxide (3 percent).

    You can use a door, board, blanket or floor mat as an emergency stretcher and a soft cloth, rope, necktie, leash, or nylon stocking for an emergency muzzle.
    6.    Play it safe in the car. It’s best to travel with your dog in a crate; second-best is to use a restraining harness. When it comes to cats, it’s always best for their safety and yours to use a well-ventilated carrier in the car. Secure the crate or carrier with a seat belt and provide your pet with familiar toys. Never keep your pet in the open bed of a truck or the storage area of a moving van. In any season, a pet left alone in a parked vehicle is vulnerable to injury and theft. If you’ll be using overnight lodging, plan ahead by searching for pet-friendly hotels. Have plenty of kitty litter and plastic bags on hand, and keep your pet on its regular diet and eating schedule.
    7.    Get ready for takeoff. When traveling by air,check with the airline about any pet requirements or restrictions to be sure you’ve prepared your pet for a safe trip. Some airlines will allow pets in the cabin, depending on the animal’s size, but you’ll need to purchase a special airline crate that fits under the seat in front of you. Give yourself plenty of time to work out any arrangements necessary including consulting with your veterinarian and the U.S. Department of Agriculture. If traveling is stressful for your pet, consult your veterinarian about ways that might lessen the stress of travel.
    8.    Find a new veterinary clinic and emergency hospital. Before you move, ask your vet to recommend a doctor in your new locale. Talk to other pet owners when visiting the new community, and call the state veterinary medical association (VMA) for veterinarians in your location. When choosing a new veterinary hospital, ask for an impromptu tour; kennels should be kept clean at all times, not just when a client’s expected.

    You may also want to schedule an appointment to meet the vets. Now ask yourself: Are the receptionists, doctors, technicians, and assistants friendly, professional and knowledgeable? Are the office hours and location convenient? Does the clinic offer emergency or specialty services or boarding? If the hospital doesn’t meet your criteria, keep looking until you’re assured that your pet will receive the best possible care.
    9.    Prep your new home for pets. Pets may be frightened and confused in new surroundings. Upon your arrival at your new home, immediately set out all the familiar and necessary things your pet will need: food, water, medications, bed, litter box, toys, etc. Pack these items in a handy spot so they can be unpacked right away.

    Keep all external windows and doors closed when your pet is unsupervised, and be cautious of narrow gaps behind or between appliances where nervous pets may try to hide. If your old home is nearby, your pet may try to find a way back there. To be safe, give the new home owners or your former neighbors your phone number and a photo of your pet, and ask them to contact you if your pet is found nearby.
    10.    Learn more about your new area. Once you find a new veterinarian, ask if there are any local health concerns such as heartworm or Lyme disease, or any vaccinations or medications your pet may require. Also, be aware of any unique laws. For example, there are restrictive breed laws in some cities. Homeowner associations also may have restrictions — perhaps requiring that all dogs are kept on leashes.

    If you will be moving to a new country, carry an updated rabies vaccination and health certificate. It is very important to contact the Agriculture Department or embassy of the country or state to which you’re traveling to obtain specific information on special documents, quarantine, or costs to bring the animal into the country.
  • Home prices continue to rise in Phoenix

    Posted Under: Home Buying in Phoenix, Financing in Phoenix, Rentals in Phoenix  |  August 31, 2013 9:00 PM  |  751 views  |  No comments

    TEMPE, Ariz. -- The median price for a single-family home went up 26.7 percent – from $150,000 to $190,000 – between June 2012 and this June, according to a new report from the W. P. Carey School of Business at Arizona State University.

    The report also found that rising interest rates don’t appear to be stopping the big comeback in the Phoenix-area housing market.

    The report finds that the limited supply of homes on the market is the primary reason for the rise in prices, with multiple bids being offered for most resale homes in the lower price ranges.

    The luxury market is also showing tremendous gains, with sales higher this summer than for any of the last six years.

    “Access to finance at the high end of the market has improved recently with more lenders offering jumbo loans,” said the report’s author, Mike Orr, director of the Center for Real Estate Theory and Practice at the W. P. Carey School of Business. “Along with good returns from the stock market, this has strengthened a recovery in the luxury market, where sales volumes were back to 2007 levels in June.”

    Overall, the Phoenix-area market had 11,178 active single-family-home listings available without an existing contract as of July 1. However, about 84 percent of those were priced above $150,000, leaving just 26 days worth of inventory for buyers at the lower end of the market.

    New-home builders aren’t completing houses fast enough to make a big dent in the supply problem. While analysts expected 17,000 construction permits to be issued this year, the area is only on track to have about 12,500.

    “Current new-home sales rates are less than a third of what would normally be needed to keep up with the current population growth in the area,” says Orr. “Census estimates show that between 2010 and 2012, the combined population of Maricopa and Pinal counties grew by 2.9 percent, while the number of dwelling units – both owned and leased – grew by just 1 percent. Tight lending standards and a shortage of construction labor are two reasons for this.”

    The Phoenix area is also seeing less cheap, “distressed” supply coming onto the market. Completed foreclosures on homes and condos in June were down 61 percent from last June. Foreclosure starts – owners receiving notice their lenders may foreclose in 90 days – were down 64 percent. Foreclosure starts finally just dipped back below “normal” historical levels for the area this June.

    Institutional investors are showing less interest in the Valley as bargains are more readily available in other areas of the country. The percentage of Maricopa County homes and condos acquired by investors, including mostly “mom and pop” investors, was down from 34.9 percent last June to 26.7 percent this June. However, the area is still seeing a lot of all-cash home purchases. In fact, 44 percent of the Maricopa County property transactions under $150,000 were all-cash deals this June.

    “For those who need mortgages, there has been much talk of rising interest rates and the effect this might have on demand,” adds Orr. “Rising rates have certainly reduced the motivation to refinance existing loans, but they have also sped up purchases by some buyers who want to lock in prices and rates. Still, other buyers will stop to reconsider their options, likely causing a pause in new contract signings in July and August, but I expect normal activity to resume in October.”

    Rental activity remains strong, with relatively low vacancy rates and no surge in vacancies expected. Orr says the supply of rental homes in the Phoenix area represents just about two months of inventory, and there’s fast turnover.

    “President Obama referred to his objective of making it easier for middle-class renters to qualify for home loans, when he visited Phoenix on Aug. 6,” says Orr. “The low-end market will depend to a considerable extent on whether he can make this happen through the actions of the Federal Housing Administration, Fannie Mae and Freddie Mac.”

    Ready to start looking for a new house? Get inspired by these gorgeous New homes:

    Homes for sale with pools in Phoenix Arizona

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