How to obtain the American Dream By Jorge Quijada
chase offer has been accepted, it is strongly advised that you hire a reputable, licensed home inspector to inspect the property. If repairs are needed, your real estate agent can always go back to the seller and negotiate repairs, as needed.
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Owning a home is the American Dream. The process begins with obtaining a pre-approval letter from your loan officer. The pre-approval letter is your “golden ticket” to begin shopping for a home.
Getting the keys
The loan pre-approval
This is first step in owning your own home. This is where you will meet with your preferred loan officer and submit a loan application. Once the loan application and credit has been reviewed, your loan officer will require that you provide them the most recent tax returns, bank statements and paycheck stubs. Once these items are collected, the loan officer will review and calculate how much home you can afford, along with the amount needed for your down payment, and closing costs. Once this has been determined, your loan officer will provide you a copy of your pre-approval letter. This is a huge milestone, because as previously stated, this is your ticket to go shopping!
Finding your dream home
This is where the fun really begins. You will work closely with your real estate agent to identify your needs and wants in your new
home. There are many things to think about at this stage of the home purchase process, but identifying what you really NEED in a home as opposed to what you WANT early in the process will make the home shopping experience a much more pleasurable one. Once you and your real estate agent have identified your perfect home, your real estate agent will write a strong offer and contract to purchase the home. Once the pur-
You have now applied for a loan, fallen in love with your dream home and navigated the repair and escrow process. The finish line is within sight. All that is left to do is complete the final walk-through of the home with your real estate agent and schedule a day to sign your loan documents with your title company. At closing, you will review your loan documents and sign the appropriate paperwork. One quick piece of advise, don’t forget to bring your state issued identification. It is required to be presented at signing. Once this is completed, the title company will record the transaction with the Maricopa County Recorders Office. This signifies that you are now the owner of your dream home. Your real estate agent will welcome you to your new home and provide you all the keys. — Jorge L. Quijada is a Realtor with West USA Realty in Ahwatukee. The Quijada family has been servicing the Ahwatukee Foothills community for over 20 years. Visit www. phoenixrealtyhomes.com or reach Quijada at 602299-5557 or jorge@westusa.com.
Savvy Social Security Planning for Boomers: H O ST E D B Y Robert Harbeke, CFP ® | Wells Fargo Advisors
• 5 factors to consider when deciding when you apply for benefits • When it makes sense to delay benefits - and when it does not • How to estimate your benefits • How to coordinate benefits with your spouse
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25 active luxury listings from $1,040,000 in Calabrea to $3,400,000 in Canyon Reserve. The average days on market for the active listings is 153. There are currently six homes listed above $1,000,000 under contract from $1,125,000 in Ahwatukee Custom to $1,500,000 in Tapestry Canyon. The average days on market for the under contracts is 160. Ahwatukee luxury sales in 2015 were up from 2014. We had 17 closings over a million. Seven were located in the Ahwatukee Custom area (85044) and the rest of them were in 85048 communities such as Canyon Reserve, Eagle Ridge and Tapestry Canyon. So far in 2016 there has only been two sales over a million in Ahwatukee. One of them sold for $1,500,000 in Whistling Rock and the other sold for $2,400,000 in Summerhill. Both homes are located in Club West, are over 7,000 square feet and are two of the newest custom built homes in all of Ahwatukee. Spring is usually our best season for selling luxury homes. With this in mind and the current pending and closing listings we are hopeful for that this trend will continue into 2016! — Bonny Holland is with Keller Williams, Sonoran Living in Ahwatukee Foothills. Reach her at 602-369-1085, www.leadingluxuryexperts. com or on Facebook and Twitter.
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• 5 factors to consider when deciding when you apply for benefits • When it makes sense to delay benefits - and when it does not • How to estimate your benefits • How to coordinate benefits with your spouse • How to minimize taxes on Social Security benefits • How to coordinate Social Security with your other sources of retirement income
April 12th, 2016 at 7:00pm
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