Bill Rogers | Arizona Homebuilder December 2017

AZBUILD

ArizonaHomebuilder DECember 2017

Builder Division

You’re an Arizona Builder.

We’re an Arizona Lender.

Experience the HFG Difference With local and in-house processing, underwriting and funding, call us today to find out how we can help you sell more homes and provide your clients with the best service!

As an Arizona based lender, we always welcome and recognize the value of working with builders who are building Arizona communities.

Working with other local companies helps Arizona to build stronger communities.

Bill Rogers Founder & CEO

EXPANDED GUIDELINES High LTV Jumbo Products Borrowers with Recent Housing Events Conventional FHA/VA/USDA/Jumbo

SERVICE LEVEL COMMITMENTS Builder Files Receive Initial 30-Day Underwriting Extended Locks up to 12 Months Customized Marketing Support

Homeowners Financial Group USA, LLC Corporate Office 16427 North Scottsdale Road, Suite 145 Scottsdale, Arizona 85254

BK#0906222

NMLS#93718

480.305.8500 phone 877.305.5571 toll free

homeownersfg.com

Equal Housing Lender Copyright ©2017, Homeowners Financial Group USA, LLC. All rights reserved.

We care for your home, while you care for your family.

Homeowners Financial Group is a co-founder of Care Fund, a nonprofit organization providing housing expense relief to Arizona families during their child’s extended illness or injury. We strongly believe a parent should never have to choose between working to pay for their housing or caring for their child. For more information on what you can do to get involved, visit thecarefund.org

Produced by DLP Marketing • Marketing (480)460-0996 • •DLPmarketing.com Produced by DLP • (480) 460-0996 DLPMarketing.com

Valley Homebuilding Industry Celebrated at SAMM Awards

Design, creativity, innovation honored in premiere event

SAMM Awards 2017 Register at www.AZDealMakers.com Optima Kierland

N

ew home developments at Mountain Shadows, Kierland and Fountain Hills received multiple awards in the inaugural SAMM (Sales, Advertising, Marketing and Merchandising) Awards Wednesday night, Nov. 8 at the Omni Scottsdale Resort & Spa at Montelucia in Paradise Valley.

More than 200 people from the Valley’s leading homebuilding companies celebrated the industry’s success as real estate analysts spoke of an improving economy and no sign of recession.

• The New Home Company took home five awards for the Villas at Mountain Shadows including Best Billboard, Best Outdoor Merchandising for Urban Homes and Best Individual Print Ad. • Optima Kierland also received five SAMM Awards including Best of Sales for the category of Attached, Large Urban Community, Best Website and Best Digital Ad Campaign.

• Toll Brothers representatives celebrated the evening with four awards for their Adero Canyon neighborhood in Fountain Hills, including Best Community Branding and Best Interior Merchandising for Suburban Homes.

• Landmark Homes USA and AV Homes each received three awards.

Economist Rick Merritt, president of the economic and real estate consulting firm Elliott D. Pollack & Co., says population growth and pent up demand will cause a boom in the housing market. “Although 91 percent of Millennials say they want to buy a house, the age of homebuyers is going up.” He adds that student loans and credit card debt are the top reasons that keep Millennials from having the down payment needed for a home.

Jim Belfiore of Belfiore Real Estate Consulting says the three keys to success for home sales are: great design and function; a professional sales team; and homes that are priced right. “You have to know your competitors, your product, where it fits and what buyers in the area can afford.”

DLP Marketing hosted the gala. “The SAMM Awards brought together so much talent, experience and knowledge,” said DLP Marketing Founder and President Lori Ana Harrison. “These are the industry leaders whose efforts Lori Anna Harrison continue to drive innovation, inspire beauty, create the lifestyle Arizonans President seek and fuel the Valley's economy.”

DLP Marketing

"

"

These are the industry leaders whose efforts continue to drive innovation, inspire beauty, create the lifestyle Arizonans seek and fuel the Valley’s economy. –– Lori Anna Harrison

"

Communicating with the Lender is critical from the application day all the way until move in day.

"

Landmark Homes USA

Three keys to success for home sales are: 1) Great design and function; 2) A professional sales team; and 3) Homes that are priced right. –– Jim Belfiore

"

"

AV Homes

n mortgage lending, the phrase “clear to close” is used to define when a final credit decision is final, allowing the loan to move towards the signing and closing of the transaction. But there are still some final items before a Buyer is given the keys to their new.

National Builder Sales Manager Homeowners Financial Group

Advise buyers to hold off from any large purchases or the tempting 0% credit card offer from the big hardware store. Their credit may still be monitored for activity up to the date they sign the closing docs, so moving around money at the last minute may cause some questions. Additionally, funds for down payment need to remain in the account the Lender has already verified. If that happens to be gift funds, make sure the Lender is aware of the gift amount and who the donor is. There are guidelines that need to be met along with proper documentation before getting to the closing table. Lastly, Lenders perform a verification of employment right before buyers sign closing documents, so be sure buyers let the Lender know if there are any employment changes.

Toll Brothers

91% of Millennials say they want to buy a house. –– Rick Merritt

CHARITY MORELAND

Secrets to a Smooth Closing I

SAMM Awards 2017 Register at www.AZDealMakers.com Optima Kierland

N

ew home developments at Mountain Shadows, Kierland and Fountain Hills received multiple awards in the inaugural SAMM (Sales, Advertising, Marketing and Merchandising) Awards Wednesday night, Nov. 8 at the Omni Scottsdale Resort & Spa at Montelucia in Paradise Valley.

More than 200 people from the Valley’s leading homebuilding companies celebrated the industry’s success as real estate analysts spoke of an improving economy and no sign of recession.

• The New Home Company took home five awards for the Villas at Mountain Shadows including Best Billboard, Best Outdoor Merchandising for Urban Homes and Best Individual Print Ad. • Optima Kierland also received five SAMM Awards including Best of Sales for the category of Attached, Large Urban Community, Best Website and Best Digital Ad Campaign.

• Toll Brothers representatives celebrated the evening with four awards for their Adero Canyon neighborhood in Fountain Hills, including Best Community Branding and Best Interior Merchandising for Suburban Homes.

• Landmark Homes USA and AV Homes each received three awards.

Economist Rick Merritt, president of the economic and real estate consulting firm Elliott D. Pollack & Co., says population growth and pent up demand will cause a boom in the housing market. “Although 91 percent of Millennials say they want to buy a house, the age of homebuyers is going up.” He adds that student loans and credit card debt are the top reasons that keep Millennials from having the down payment needed for a home.

Jim Belfiore of Belfiore Real Estate Consulting says the three keys to success for home sales are: great design and function; a professional sales team; and homes that are priced right. “You have to know your competitors, your product, where it fits and what buyers in the area can afford.”

DLP Marketing hosted the gala. “The SAMM Awards brought together so much talent, experience and knowledge,” said DLP Marketing Founder and President Lori Ana Harrison. “These are the industry leaders whose efforts Lori Anna Harrison continue to drive innovation, inspire beauty, create the lifestyle Arizonans President seek and fuel the Valley's economy.”

DLP Marketing

"

"

These are the industry leaders whose efforts continue to drive innovation, inspire beauty, create the lifestyle Arizonans seek and fuel the Valley’s economy. –– Lori Anna Harrison

"

Communicating with the Lender is critical from the application day all the way until move in day.

"

Landmark Homes USA

Three keys to success for home sales are: 1) Great design and function; 2) A professional sales team; and 3) Homes that are priced right. –– Jim Belfiore

"

"

AV Homes

n mortgage lending, the phrase “clear to close” is used to define when a final credit decision is final, allowing the loan to move towards the signing and closing of the transaction. But there are still some final items before a Buyer is given the keys to their new.

National Builder Sales Manager Homeowners Financial Group

Advise buyers to hold off from any large purchases or the tempting 0% credit card offer from the big hardware store. Their credit may still be monitored for activity up to the date they sign the closing docs, so moving around money at the last minute may cause some questions. Additionally, funds for down payment need to remain in the account the Lender has already verified. If that happens to be gift funds, make sure the Lender is aware of the gift amount and who the donor is. There are guidelines that need to be met along with proper documentation before getting to the closing table. Lastly, Lenders perform a verification of employment right before buyers sign closing documents, so be sure buyers let the Lender know if there are any employment changes.

Toll Brothers

91% of Millennials say they want to buy a house. –– Rick Merritt

CHARITY MORELAND

Secrets to a Smooth Closing I

AZBUILD

ArizonaHomebuilder DECember 2017

Builder Division

You’re an Arizona Builder.

We’re an Arizona Lender.

Experience the HFG Difference With local and in-house processing, underwriting and funding, call us today to find out how we can help you sell more homes and provide your clients with the best service!

As an Arizona based lender, we always welcome and recognize the value of working with builders who are building Arizona communities.

Working with other local companies helps Arizona to build stronger communities.

Bill Rogers Founder & CEO

EXPANDED GUIDELINES High LTV Jumbo Products Borrowers with Recent Housing Events Conventional FHA/VA/USDA/Jumbo

SERVICE LEVEL COMMITMENTS Builder Files Receive Initial 30-Day Underwriting Extended Locks up to 12 Months Customized Marketing Support

Homeowners Financial Group USA, LLC Corporate Office 16427 North Scottsdale Road, Suite 145 Scottsdale, Arizona 85254

BK#0906222

NMLS#93718

480.305.8500 phone 877.305.5571 toll free

homeownersfg.com

Equal Housing Lender Copyright ©2017, Homeowners Financial Group USA, LLC. All rights reserved.

We care for your home, while you care for your family.

Homeowners Financial Group is a co-founder of Care Fund, a nonprofit organization providing housing expense relief to Arizona families during their child’s extended illness or injury. We strongly believe a parent should never have to choose between working to pay for their housing or caring for their child. For more information on what you can do to get involved, visit thecarefund.org

Produced by DLP Marketing • Marketing (480)460-0996 • •DLPmarketing.com Produced by DLP • (480) 460-0996 DLPMarketing.com

Valley Homebuilding Industry Celebrated at SAMM Awards

Design, creativity, innovation honored in premiere event