Home Buying in Phoenix : Advice

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Bianca Benne…, Real Estate Pro in 85085
Bianca Bennett Real EstateTeam answered:
Is there anyway I can do this without a down payment?
Have you spoke with a lender? Do you need a great contact that can discuss with you on that topic?
0 votes Share Flag Tue Apr 28, 2015 Home Buying in Paradise Valley
Carol Lin, Real Estate Pro in Sunnyvale, CA
Carol Lin answered:
How do I start the process of buying a home?
Hi there, here is a basic guide to getting started:

1. Find out how much of a loan you are qualified for at a bank and then contact a bank loan agent to get pre-approved.

2. Consi ... more
0 votes Share Flag Wed Apr 22, 2015 Home Buying in Phoenix
Douglas C Gi…, Home Buyer in Twentynine Palms, CA
Douglas C Ginger H and furry friend Hooch answered:
Will the down payment process change if I plan to withdraw my down payment from my 401k?
Look up 1031 tax exchanges, to avoid the taxes; you're reinvesting your "gains", here. Tell the investment house, not to take out taxes. Rather than cashing out what an e ... more
0 votes Share Flag Tue Apr 21, 2015 Home Buying in Phoenix
Gary Miljour, Real Estate Pro in Chandler, AZ
Gary Miljour answered:
Question on FHA Mortgage and PMI
Carlos,

As a mortgage lender who specializes in FHA loans, I can answer this question for you. On FHA loans you pay an upfront MIP premium which is financed into the loan. That rep ... more
0 votes Share Flag Mon Apr 20, 2015 Home Buying in 85015
Joseph Domino, Real Estate Pro in Scottsdale, AZ
Joseph Domino answered:
Is it a good idea to take money from my IRA to help with a down payment on my first home?
If at all possible I would say not to take money from your IRA. I would first try to find a seller that will offer seller paid closing costs, a down payment assistance program or lender ... more
1 vote Share Flag Sat Apr 18, 2015 Home Buying in Phoenix
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
When you buy a new construction home in a subdivision do you use your real estate agent or do you deal with the builder's agent?
Always best to use your own agent. The sales staff on site represents the interests of the builder.
0 votes Share Flag Thu Apr 16, 2015 Home Buying in Phoenix
Gerald Feens…, Real Estate Pro in Grand Rapids, MI
Gerald Feenstra answered:
What's the difference between a conventional loan and a FHA loan?
Hi Sage,

Below are 2 articles I found regarding the difference between a conventional loan and an FHA loan. Hope this helps!

http://homeguides.sfgate.com/difference-between-fha-co ... more
0 votes Share Flag Mon Apr 13, 2015 Home Buying in Phoenix
Joan Henry A…, Home Buyer in Phoenix, AZ
Joan Henry Abney answered:
Would you ever allow a buyer to rent before closing?
We did a day to day rental on a home we purchased. The rental was established at a prorated amount based on the purchase price. Because of the holidays we wouldn't be able to close un ... more
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Phoenix
Korene L. Cl…, Real Estate Pro in Peoria, AZ
Korene L. Clopine-Seaman answered:
Where to start to get a construction loan, my house is old (1935), leaning south.?
Mary, there are a number of good answers here. As a Mortgage Banker, I would answer your question this way, Depending on your personal situation, I have 4 programs that would fit your ... more
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Phoenix
Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller PLLC answered:
Start with your bank or lender about a home improvment loan
What is your question about this? You should speak with several lenders about rate, terms, loan amount, etc prior to making a decision about the loan.
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Phoenix
laweagle, Home Buyer in Goodyear, AZ
laweagle answered:
Can we apply for loan modification while our house is for sale? Should we stop paying our mortgage until we get approved for the loan modification?
You can apply for a loan mod while your home is for sale. I don't think it's a good idea - you're trying to straddle two incompatible choices. Better to decide now - keep the home or ... more
0 votes Share Flag Mon Apr 6, 2015 Home Buying in 85053
UpNest, Real Estate Pro in San Francisco, CA
UpNest answered:
Home Buying: Fees and Commissions.
Hello,

We wrote an article on how commission rates work if you'd like to read a more in depth explanation: http://www.upnest.com/1/post/how-real-estate-agent-commissions-work/

To ... more
0 votes Share Flag Fri Apr 3, 2015 Home Buying in Phoenix
Joseph Domino, Real Estate Pro in Scottsdale, AZ
Joseph Domino answered:
I need a buyers agent, for a meritage community and heard that meritage offers - example - IE by 40K in upgrades - pay 20K. True?
Meritage has 39 communities in the Phoenix area. Depending on the community the incentive may change. As an example, Mirabel in Scottsdale is closing out and they are offering steep di ... more
0 votes Share Flag Thu Apr 2, 2015 Home Buying in Phoenix
Mina Fajardo, Both Buyer and Seller in Glendale, AZ
Mina Fajardo answered:
What are the rental price trends for the last five years for the 85053 zip code ?
Hello Chuck! For the 85053 zip code area, it's been pretty stable in the $995-$1,000/mo for 4 years, up until the last 12 months where the median rent has gone up slightly to $1,095/mo. ... more
0 votes Share Flag Tue Mar 31, 2015 Home Buying in Phoenix
Anthony P. B…, Home Buyer in Phoenix, AZ
Anthony P. Bukovec answered:
I am planning to move to the Phoenix, AZ area in a couple of months. I want to use solar energy for my house. What would be a good area to move to?
gilbert and chandler great for families much to offer, close to city, larger lots, solar anywhere all sun.
arbor crest builders 480-258-1377
www.arborcrestremodeling.com
0 votes Share Flag Mon Mar 30, 2015 Home Buying in Phoenix
Dave Stringh…, Real Estate Pro in Phoenix, AZ
Dave Stringham answered:
what are the rental price trends for zip code 85086 for the last five years?
Drexelbj- If you are looking for trending information for the past 5 years for the zip code of 85086, the answer is going to be a - a steadily increasing rental values even during the ... more
0 votes Share Flag Mon Mar 30, 2015 Home Buying in Phoenix
Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller PLLC answered:
Is the address 8901 N 2nd way, Phoenix AZ a rental property?
According to the tax records, this home is listed as a rental property.
0 votes Share Flag Mon Mar 30, 2015 Home Buying in Phoenix
Andrew Song, Real Estate Pro in Scottsdale, AZ
Andrew Song answered:
I am looking into moving to Phoenix, AZ and I am wondering how I can get the 55 parks out of my search lists
Hello,

Many of your question can be addressed by specified parameter on your search.
Having said, many public access search site lack the fine criteria and not often accurate.
I wo ... more
0 votes Share Flag Sat Mar 28, 2015 Home Buying in Phoenix
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