17215 North 72nd Drive, Suite 115
Glendale, AZ 85308
Real Estate Tips
WHAT'S YOUR NEXT MOVE?
2. Contact a mortgage loan officer find out the price of your home purchasing power
3. Call the Realtor, Connie Ramirez at 602-615-4166 for a consultation on your home search
4. Connie will guide the Buyer on placing an offer.
5. Connie will meet with the inspection and appraisal on your dream home.
6. Connie will give you the results of the inspection and appraisal and possible write conter offers
7. Connie will negoiage the price offer on the home based on the inspection and appraisal.
8. Connie will draw up the contract to make an offer.
9. Connie will set up the meeting with TItle agency to run Title reports
10. Connie will set upi the meeitng with the agency to sign the closind documents and receive the keys to your new home.
*Additional Loan for new home repairs
*Affordable Houseing Available (Income and Credit Score Limites)
Home in 5: .25% Downpayment Assistant
Purchas Price: $150,000.00
Out of Pocket Down Payment = $375.00
Down Payment From Grant = $7,125.00
Loan Amount = $142,500
Benefits of Buying
Apprecation: Over time, your home will gain equity so eventully you can sell when the time is right.
Tax Breaks: Interest paid on a home loan is the most common available break.
Freedom: Owning a home gives you the freedom to be createive with your space, independence from a landlord and a bright future.
5 Step in Selling Your Home
1. Call Connie Ramirez at 602-615-4166 to set up am initial consultation.
2. Connie will run a compartive price analysis and set a sale price on your home.
3. Connie will list your home for sale.
4. Connie will market your home by using her superior marketing plan.
5. Connie will sell your home
Remodel before Selling
Considering Remodeling before you decide to place your home on the market and Sell?
Call me first! Yoy may qualify for a remodeling budget with NO Out of Pocket Expense.
*Remodeling Expense paid out of closing
4 Reasons to Sell Your Home This Summer
1. Low Mortgage Rate
2. Raising Prices
3. Decrease Inventor
4. Increase Demand
Motrgage rates are still low, just hovering above 4% This means more qualified buyers for your current home and you will get a better loan for our next home. Home prices are rising faster and faster, due to imcome growth, job grouth and poplation growth, combined with low inventory. Inventory remians tight and demand high. There are more buyers then available homes, which means you are more likely to sell your home quickly. It's a very favorable seller's market, more qualifying and serious buyers are house hunting and offering very pro-seller terms.
10 Steps on How To Improve Your Credit Score
1. Get a copy of your credit score
2. Dispute items that are incorrect
3. Know your total credit limite and balance
4. Calculate your credit ratios. debt to credit ratio of between 40% and 60% offers an acceptable score
- Front End Ratio: dividing your projected monthly mortgage payment by your monthly gross income. (28% is usally the limate)
- Back End Ratio: dividing total debt by your monthly gross imcome. (3% is usally the limite)
5. Pay off high interest loan first
6. Consolidate lower interst credit card balance from high interest credit cards
7. Ask for a Credit co-signer from someone who has great credit standing by being added to their line of credit. But the key is the credit co-signer doesnt give you the name or account number.
8. Call credit card companys which you have good standing to increase your credit limite, if you need to inprove your ratios
9. Do not close old accounts
10. Get a secure credit card, or contact a Credit Union for products they may offer similar to secure cards.
Social Media at: AzRealtorConnie
