HOME BUYING MADE SIMPLE BOLES GROUP
Selling Made Simple is a full service team of real estate professionals located in Gilbert Arizona. The team is dedicated to providing an exceptional client experience through timely, honest, and accurate communication, comprehensive market knowledge, aggressive negotiating skills and an unmatched level of professionalism. Team leaders share more than 50 years combined experience and have successfully navigated nearly every imaginable market condition. Each Selling Made Simple agent is provided with the tools, training and mentorship to serve their clients to the standard of excellence that has come to be expected from the Selling Made Simple team. Selling Made Simple Realtors offer the highest level of integrity, most diligent work ethic and the negotiating skills to get their clients the best deal possible. We understand that real estate is one of the largest investments our clients will make. Whether looking to buy or sell, Selling Made Simple gets you the best price with the least hassle. The team is always available to answer questions and will happily serve as a resource for both current and past clients.
BOLES GROUP Located in Gilbert, Arizona, the Boles Group at Bay Equity Home Loans is a team of lending professionals licensed to originate home loans for purchase or refinance in nine states (AZ, CA, CO, ID, MN, NM, NV, OR, WA). U.S. Army Veteran Adam Boles is the team’s Senior Loan Officer. He is regularly recognized for excellence by his peers and partners in the mortgage community. Listed by Mortgage Executive Magazine in the Nation’s Top 1% of Mortgage Originators, he is a member of the Bay Equity Home Loans President’s Club and holds multiple awards for both quality and quantity of loans funded. Gilbert Branch Manager Hannah Boles oversees daily operations and manages the in-house processing team. Her encyclopedic knowledge of mortgage programs, regulations and guidelines combined with impeccable attention to detail and organization keeps the team on task and moving forward. Adam and Hannah’s guidance and mentorship have created an exceptionally efficient team of lending professionals with the knowledge and experience to create solutions where other lenders create problems. The team prides itself on responsive, accurate communication and is highly regarded by clients and business associates alike.
Table Of Contents About Selling Made Simple................. 2 About Boles Group.............................. 2 When to Buy......................................... 4 Benefits of Home Ownership............... 5 The Home Buying Process................... 6 Trust Your Realtor’s Lender.................. 7 Home Buying Starts With a Prequal.... 8 Avoid Delays......................................... 9 Relocation Check list........................... 9 Selling Your Home.............................. 10 Read our Reviews.............................. 11
Why NOW is Always The Best Time to Buy.
Knowing the differences between a buyer’s and seller’s market can help you feel more confident in the timing of your next home purchase. Buyer’s Market – Supply exceeds demand • More properties to choose from • Homes may be on the market longer • Buyers have the advantage when negotiating • Burden is on the seller to price competitively • May indicate a slowing or stagnant economy • Equity growth may take longer Seller’s Market – Demand exceeds supply • Fewer options to choose from • It may take longer to find the right home • Homes sell quickly, buyers need to act fast • Less opportunity for negotiation • Buyers must make competitive offers • More common in times of economic growth • Home values rise quickly The benefits of a buyer’s market are clear. More inventory means more choices, lower prices and a stronger negotiating position. It’s a great time to buy, especially for first time home buyers who don’t have to worry about selling their current home.
In a seller’s market, the benefits to home buyers may not be not as obvious but they are significant. A seller’s market means a growing local economy. Not only will the newly purchased home increase in value more quickly, but local tax revenues will increase as property values increase. This means your new community can invest in better roads, schools and infrastructure. The local job market is likely to be more stable in a growing economy and increased consumer spending will attract new business and entertainment venues to the area. Long-term, the benefits of living in a strong local economy will outweigh the potential costs of buying in a seller’s market. In any market, it’s important to start with a reliable prequalification from a well-known and experienced lending team like the Boles Group at Bay Equity Home Loans Gilbert and work with a quality Realtor like your Selling Made Simple agent who will find the perfect home and negotiate the best possible price regardless of market conditions.
Hidden Benefits of Home Ownership
If you are considering a home purchase, you are probably looking forward to eliminating rent increases, pet restrictions and some of the other irritations of answering to a landlord. You may also know that buying your own home is a reliable strategy for gaining long-term wealth with minimal risk to your initial investment. It doesn’t stop there. Buying a home is so much more than putting a roof over your head and building equity. Home ownership is the heart of a great community. As homeowners make family and neighborhood ties, they contribute to the health and stability of their local community. Homeowners are more likely to: • Support local businesses • Get involved in local events • Volunteer or donate to local causes • Vote in local elections Housing Drives Local and National Economic Growth Housing is a vital sector of the U.S. economy that influences new job creation and employment stability. • Building a community of 1000 homes creates more than 2000 full time jobs. • Home construction and related industries employ around 6 million Americans. • Residential real estate investments account for more than 4% of the nation’s GDP. “Pride of Ownership” creates a sense of wellbeing. In American culture, owning a home is an important symbol of independence and stability that contributes to improved self-esteem, an increased sense of satisfaction and greater sense of being in control. While getting a dog, painting your bedroom and planting a garden are all fun ways to enjoy the freedom of home ownership, the benefits to you and your community go much deeper than a coat of paint. Call a Selling Made Simple agent at 480-771-2747 to learn more about the benefits of owning a home.
Wondering if you can trust your Realtor’s lender?
It’s human nature to be cynical, but thanks to the Real Estate Settlement Procedures Act of 1974 (RESPA), you can rest assured that your realtor’s mortgage lender recommendation is sincere. Realtors, by law, cannot receive monetary incentives for their lender recommendations. In other words, there are no kickbacks. Rates and lender fees are a large part of the conversation when financing a home, but they are not the only consideration and a good Realtor knows that. Cut-rate lenders are notorious for creating headaches, delays, and in some cases, completely killing the transaction. Your realtor’s recommendation is most likely based on their experience with the lender, an effective working relationship and the expectation that your loan process will go smoothly. What about the costs? Mortgage lending is a competitive industry and at the end of the day the difference in cost will most likely be negligible. Promotional mortgage rates advertised online are probably not the rate you will be offered at the end of the loan application process. Even if they aren’t based on an ideal scenario that disqualifies most borrowers
(and they are), mortgage rates change multiple times a day. Until your loan is locked, your final rate is not guaranteed. Lender fee discounts and closing cost credits are nice, but saving a few hundred dollars over the course of a 30-year mortgage amounts to very little and may not be worth the trade-off. You get what you pay for. It’s an age-old adage and it’s true. A mortgage lender who answers the phone at all hours and gives you complete, accurate information probably will cost a little more than the consumer bank that closes at six o’clock every night. A quality loan officer who considers your long-term goals and takes the time to consult with you about your best options is providing value beyond what an online loan application and automated phone system is capable of. You are never obligated to use the lender your Realtor recommends, but when you know you are working with a quality lender you can trust that you are well informed and your home loan experience will be as seamless and hassle-free as possible.
HASSLE-FREE HOME BUYING STARTS WITH A PREQUAL. Although the home buying process is percieved by many as frustrating and stressful, it doesn’t have to be. Starting off on the right foot with the right people in your corner can make a big difference in how you feel when it is all over. You’ve already taken the first step by reaching out to the Selling Made Simple real estate team. Your next step is to get prequalified by a reputable lender like the Boles Group at Bay Equity Home Loans. Here’s why: Required for Showings Any good Realtor, like your Selling Made Simple agent, knows that shopping without a prequalification is a formula for disaster and will require you to get one before agreeing to show you homes. Set your budget Shopping for a home without first establishing your budget more often than not will result in time wasted on houses you simply cannot afford. What’s worse, this could make the houses in your price range seem incredibly disappointing in comparison. Shop with confidence Home shopping with a prequalification in your back pocket gives you the confidence of knowing exactly what you can afford and that your realtor can put an offer in on-the-spot if needed. Make a strong offer Any seller’s agent who has had a transaction fall through at the last minute knows the value of a well-qualified buyer. When your offer includes a prequalification letter from a well-known and trusted lender, sellers are much more likely to accept. Why the Boles Group? Selling Made Simple and the Boles Group at Bay Equity Home Loans have an outstanding working relationship that makes both teams even better. When your realtor and lender communicate well and work together to resolve problems, it makes the purchase transaction much less complicated for everyone involved.
PREQUALIFY TODAY!
480-279-0032
YOURHOMEFORLOANS.COM
RELOCATION PLANNING CHECKLIST: Whether you are planning an interstate relocation or are just moving across town, use this step-by-step guide to keep things organized and your sanity in check.
Two-Months Before ■ Sort and purge: Go through each room in your house and decide what to get rid of. You might want to consider special packing requirements or extra insurance coverage when deciding what to keep. ■ Request on-site estimates: Get written estimates from a number of moving companies. Make sure they provide a U.S. Department of Transportation (USDOT) number. ■ Start a moving binder: Keep estimates, receipts and an inventory of your household goods. This is also a good place to put passports and other important documents that you may want to hand carry to your new home. ■ Transfer Children’s School Records: Provide school records to the new school district. Six Weeks Before ■ Gather Supplies: Get standard moving boxes, wardrobe boxes, dish packing supplies, tape, bubble wrap and permanent markers. ■ Take Measurements: Some pieces of furniture may not fit through your passageways and doors. Make sure you have tools available to disassemble and reassemble entertainment centers, desks, sectional sofas and other large items.
One Month Before ■ Get written confirmation from mover – Confirm dates, cost estimates and other details. ■ Pack infrequently used items – Document items of special value ■ Label contents and destination – Label items needed right away as “essential.” ■ Pack Valuables Separately – Plan to move these items yourself. ■ Schedule your change of address -- Notify creditors and subscription services directly. ■ Medical Considerations – Schedule initial visits and forward medical records to new health care providers. Check with your insurance to confirm in-network status. One Week Before ■ Pack suitcases to last until your household goods can be unpacked. ■ Medication – Arrange to have prescriptions transferred to your new pharmacy.
A Few Days Before ■ Defrost the Freezer – If you are moving a freezer or refrigerator, it should be empty, unplugged and cleaned at least 24 hours before moving day. ■ Double-check – Reconfirm the mover arrival time, truck size and other details. ■ Get cash – If deserved, 10-15% of the total fee up to $100 is a good tip for moving staff.
Need to sell before you can buy? If you’re looking for a conventional home-selling experience, we can help. Our highly experienced team of realtors will work for you to get the best offer possible.
Take the headache out of selling, and get your home sold quickly. We provide cash offers on homes of all sizes and conditions.
SELL YOUR HOME THE TRADITIONAL WAY
SELL YOUR HOME QUICKLY FOR CASH
www.SellingMadeSimple.Com
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BOLES GROUP
Office 480-279-0032 Adam and Hannah Boles Senior Loan Officer |Area Sales Manager NMLS# 56725 |Non-Originating bolesgroup@bayeq.com yourhomeforloans.com
Office: 480-771-2747 info@sellingmadesimple.com sellingmadesimple.com 830 S. Higley Rd. Gilbert, AZ 85295 Buy the Simple Way
EQUAL HOUSING LENDER || BAY EQUITY LLC || NMLS ID 76988
