Find your perfect neighborhood
See ALL the homes that qualify!
Get an INSTANT home valuation
Check on the local real estate market
We help people buy, sell, and invest in real estate.
We also help landlords with tenant placement services. We help you by placing qualified tenants into your property. You can then choose to have it property managed professionally, or manage it yourself. Call us for details and a Free consultation at 480-788-4118.
Attention Landlords: Low Flat Fees. No UPFRONT Fees. No Marketing Fees. No Cancellation Fees. Pay AFTER Tenant Placement. We provide full tenant screening, showings, contract services and much more. Contact us today for details and a Free consultation and a Free rental analysis.
Attention Homebuyers: There is NO COST to you to be professionally represented by us for the purchase of your home. Contact us today for details and a Free consultation.
Attention Homesellers: We have various commission/marketing packages and flat rate plans for every type of home seller who is interested in selling their home. We understand every home seller has different needs and will help you determine which plan best suits you. Contact us today for details and a Free consultation.
Do you need to sell your house in Phoenix? Quickly Sell Your House in Any Condition. Easy. No obligation. Cancel anytime. Sell your house in days or pick your move out day. We also buy houses in CASH. Request a free home price quote today.
Website: www.cenphxliving.com
Email: info@buyandrentaz.com
We also provide real estate consulting services (assist with contracts, negotiations, wholesaling, assignments, options, lease purchases, carrybacks, investing, etc)
We also help landlords with tenant placement, full service.
Search here: Valley Homes for Sale
Click here to Subscribe to our Youtube channel
Click here for Awni's FREE real estate guide book
Specialties:
Buyer's agent
Listing agent
Tenant Placement for Landlords
Landlord Services
Real Estate Investing
Leasing Agent
Relocation
Consulting
Before getting a mortgage or any kind of loan, you should always check your credit. According to the law, you're allowed to receive one free copy of your credit report per year. You can do this by visiting Annualcreditreport.com. Scores range from approximately 300 to 850; generally, the higher your score, the better loan you'll qualify for. Don't forget to check your report for errors. If there are any, dispute them. It may help your credit score. You can also check your credit score for free at www.creditkarma.com.
You can calculate how much you can afford by starting online. There are several online mortgage calculators that will help you calculate an affordable monthly mortgage payment. Don't forget to factor in money you'll need for a down payment, closing costs, fees (such as fees for an attorney, appraisal, inspection, etc.) and the costs of remodeling or furniture. Remember that you don't always have to put down 20 percent as your parents once did. There are loans available with little to no down payment. An experienced home loan expert can help you understand all your loan options, closing costs and other fees.
To find the right mortgage lender it’s best to shop around. Get recommendations from your friends and family and check with the Better Business Bureau. Talk to at least three or four mortgage lenders. Ask lots of questions and make sure they have answers that satisfy you. Make sure to find someone that you are comfortable with and who makes you feel at ease.
Once you have the right mortgage lender, make sure you at least get a pre-approval. Qualifications are only a guess based on what you tell the lender and are no guarantee, whereas a pre-approval will give you a better idea of how big a loan you qualify for. The lender will actually pull your credit and get more information about you. However, you could even take it one step further by getting an actual approval before you start home shopping. That way, when you're ready to make an offer, it will make the sale go much quicker. Besides, your offer will look more appealing than other buyers since your financing is guaranteed.
Make a list of the things you'll need to have in the house. Ask yourself how many bedrooms and bathrooms you'll need and get an idea of how much space you desire. How big do you want the kitchen to be? Do you need lots of closets and cabinet space? Do you need a big yard for your kids and/or pets to play in?
Once you've made a list of your must-have's, don't forget to think about the kind of neighborhood you want, types of schools in the area, the length of your commute to and from work, and the convenience of local shopping. Take into account your safety concerns as well as how good the rate of home appreciation is in the area.
Now that you've found the home you want, you have to make an offer. Most sellers price their homes a bit high, expecting that there will be some haggling involved. A decent place to start is about five percent below the asking price. You can also get a list from your real estate agent to find out how much comparable have sold for. Once you've made your offer, don't think it's final. The seller may make a counter-offer to which you can also counter-offer. But you don't want to go back and forth too much. Somewhere, you have to meet in the middle. Once you've agreed on a price, you'll make an earnest, which is money that goes in escrow to give the seller a sign of good faith.
There are many different types of mortgage programs out there, but as a first-time home buyer, you should be aware of the three basics: adjustable rate, fixed rate and interest-only.
Adjustable rate mortgages (ARMs) are short-term mortgages that offer an interest rate that is fixed for a short period of time, usually between one to seven years. After that, the interest rate can adjust every year up or down, depending on the market. These are good for people who don't plan on living in their home very long and/or are looking for a lower interest rate and payment.
Fixed-rate mortgages are more traditional and offer a fixed interest rate (and thus a fixed monthly payment) for a longer period of time, usually 15 or 30 years, though they're available in 20 or 25 year terms. These are good for people who like a predictable payment and plan on living in their home for a long time.
Both fixed and adjustable rate mortgages can have an interest-only payment. What this means is that for a certain amount of time during the loan term, you're allowed to pay only enough to cover the interest portion of your payment. You can still pay principal when you wish, but don't have to if your budget is tight. There is a myth that with interest-only mortgages, you don't build equity. This is not necessarily true, since you can build equity through home appreciation. The benefit to interest-only mortgages is that you increase your cash flow by not paying principal.
Remember to ask your mortgage lender or mortgage banker lots of questions about which mortgage is right for you and your situation.
Make sure you get a home inspection before you close. It will be well-worth the money spent since it ensures the property's structural soundness and good condition.
Setting the closing date that is convenient to both parties may be tricky, but can certainly be done. Remember that you may have to wait until your rental agreement runs out and the seller may have to wait until they close on their new house.
Be sure you talk to your mortgage banker to understand all the costs that will be involved with the closing so there are no surprises. Closing costs will likely include (but are not limited to) your down payment, title fees, appraisal fees, attorney fees, inspection fees, and points you may have bought to buy down your interest rate.
You've got your mortgage, closed the deal and now it's time to move in! Whether you use a mover or not is up to you, depending on your financial situation and how much stuff you have to move; perhaps also, whether you have a lot of friends willing to help you move. Either way, you're done with the home buying process! Just start unpacking and start enjoying your first home! Buying a home for the first time doesn't have to be a hassle if you're prepared and you know what to do and when to do it. Choose an experienced home loan lender and a friendly, knowledgeable real estate agent-they are the key to helping you have a smooth home buying experience!
BEAUTIFUL PULTE HOME LOCATED IN THE STETSON VALLEY SUBDIVISION
Discover Urban Luxury Living at Its Finest in This Impeccably Renovated Oasis! Nestled in a vibrant No HOA neighborhood surrounded by a plethora of restaurants, shoppin...
Beautiful 'Gem Home' in desirable 'Eagle Ridge'. Stylishly Unique & Functional Tri- Level 4 Bedroom , 2.75 Bath Floorplan w/RESORT POOL & BACKYARD PRIVACY fo Year Round A...
What an incredible opportunity to own in the Award-winning Master Planned community of Vistancia!! This home is loaded with upgrades - step inside to PURE LUXURY!! Stunn...
Incredible home in Cobblestone Farms that is priced to sell! This home boasts a 4 bedroom floorplan with a plus 1 room, 3 bathrooms and a loft on a large 7500 sqft lot! E...
SELLER REFINANCE COMPLETE AND OFFERING UP TO A 1-YR SELLER CARRY!! PRICED $100K BELOW FEBRUARY APPRAISAL! HERE IS YOUR CHANCE-BACK ON MARKET!! NAVIGATE RATES FOR YOUR...
Great home in sought-after Meadows of North Peoria. This fantastic community has multiple pickleball courts, parks, walking paths, a heated community pool and spa, and th...
Take a look at this beautiful gem! This exquisite 4-bedroom, 2.5-bath residence features a 3-car garage already equipped with EV Charger, an RV gate, elegant stone accent...
INCREDIBLE Location - 3.3 Acres - Horse Property - Separate Guest House - SWEEPING Views ALL Around - AMAZING Opportunity! The 2444 Main House Features 4 Year New Heating...
While home will need updating Owner has maintained all major features including exterior painting and HVAC in 2023, New pool equipment in 2019, drained and acid washed in...
Step inside this beautifully presented home that effortlessly blends style with comfort. The layout is spacious, featuring three large bedrooms, and 2.5 bathrooms, and a ...
If you've been searching for a move-in ready home with your own private, low maintenance north facing desert garden in a great location, look no further! As you enter the...
Enjoy Arizona living at its best in this stunning home in the coveted community of Stonegate. From the moment you arrive to this home on a premium corner lot you're greet...
Amazing Home with Superstitions as your backdrop. Spacious eat-in kitchen with Stainless Steel Appliances, Great room with tile flooring and fire place, primary bedroom ...
This is truly the ONE you've been waiting for! NO HOA! 1 OWNER CUSTOM BUILT Block Home- 2269 Sqft, 4 bedroom, 2 full bath, Nestled in a lovely cul-de-sac, walking distan...
Introducing 5530 Cahava Ranch-an inviting home nestled on 2+ acres in original Cave Creek. As you enter the spacious great room you are welcomed with lovely mountain vie...
Welcome to this meticulously maintained Napoli Floorplan residence nestled in the heart of Encanterra. Positioned conveniently across from a serene neighborhood park, thi...
Professional pictures coming soon! Nestled in 'The Grand' active adult community, this charming residence embodies comfort and style. Featuring the sought-after split b...
Expansive Mountain Views! Perfectly situated condo near Fountain Park with all the right touches! Don't miss this opportunity in a quiet community with many upgrades incl...
WOW! Finally an affordable home with a pool, North of the 101. Amazing location near Fireside elementary school. This home is perfect for entertaining with open floorplan...
One of the largest lots in Asante!!!! Better then new 2016 built highly sought after Oracle NextGen home with attached casita. Pool has been added, Solar is owned and p...
Check out our popular 1,843 SqFt Oasis Model! It features 3 bedrooms plus a den, 2 baths, and a 2-car garage. The large great room seamlessly connects to the kitchen, per...
Step into this historic condo housed in what was once Phoenix's tallest apartment building, Executive Towers. Designed by Al Beadle, and completed in 1964, Executive Towe...
COMING SOON to the Market! Beautiful and Pristine Desert Hills Home by it's ORIGINAL OWNER with attached yet separate casita/Guest quarters. Truly the best of both worlds...
Remarkable view of the 9th green and club house from your back patio! This 2 bedroom plus den home is ready for a new owner in a high demand 55+ community. The extra larg...
RUN DON'T WALK...Another Masterfully updated Anthem Country Club home by FNS Properties. Perfection in every direction showcasing nothing but the best designer upgrades ...
Fantastic opportunity! Lovely 2-bedroom plus loft home with an amazing open floor plan. Loft adaptable as a 3rd bedroom. Enjoy a kitchen with breakfast bar, white cabinet...
SELLING w/RENTER IN-PLACE ($2900/MO+$250/mo for 1 of 2 garage spaces). Desired NE corner lot featuring 230 ft² wraparound balcony with aluminum frame floor to ceiling gla...
Prepare to be swept off your feet by this remarkable 6-bedroom property, where luxury & comfort converge with a practical modern floorplan. It has luxurious finishes from...
None
Qualifies for LOW INTEREST RATE PROGRAM! This designer swaggy townhome has the feel of luxury and comfort with soaring 20-foot ceilings and impressive art walls. Highly p...
Desert Hills AZ home on approx 1.5 acres in a residential-commercial zone, offering many possibilities. The property features completely fenced acreage with wide gates fo...
Welcome home! This charming corner lot home features a 2-car garage & tasteful stone accents. The inviting great room showcases efficient recessed lighting, plantation sh...
This adorable home is waiting for you! Everything stays for a full turnkey experience. Sweet 1-bedroom, 1-bath home is the perfect getaway anytime. Incredible amenities i...
Prime lot , conveniently located close to the heart of the city. This expansive lot spans 17,883 square feet and presents an exceptional opportunity for development. Zone...
Welcome to this newly remodeled Goodyear Home! As you enter you are welcomed by a great open floor plan offering a neutral color palette and laminate wood flooring throug...
Remodeled home in a super convenient location, freeway three minutes away, RV gate for work or new toys, corner house, large back yard, fully remodeled kitchen, newer roo...
Turn Key Ready home awaits you! This home has been well taken care of by sellers and ready for new owners to enjoy. 3 bedrooms and 3 FULL bathrooms. Master bedroom is ove...
his is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this elev...
Boutique building right in the heart of Old Town Scottsdale. This contemporary loft style studio has stainless steel appliances, concrete countertops, floor to ceiling wi...
This top of the line property has it all. GATED COMMUNITY located within the popular Estrella Mountain Ranch with all it's amenities - community pool and exercise ameniti...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
Location, location, location! This Cul de Sac home has SOOO much potential.. dream home is within reach! This 5-bed (one full bedroom & bathroom downstairs!), 3-bath home...
Nicely remodeled 2BR/2BA home in an active 55+ community. Home has an added bonus room that can be used for another bedroom, home office, she den or man cave. Stainless...
LOCATION, LOCATION, LOCATION!! Don't miss this 1 bedroom, 1 bath unit with a gorgeous view of the pool courtyard and located just steps from the elevator and dining room!...
Tee box #2 on the Duke Golf Course is your gorgeous view from the balcony of this beautiful home on a Cul de Sac. Privacy with golf course views, mountain views, and Ariz...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
BEAUTIFUL, quaint 3-bdrm, 2.5 bath townhome w/ 2 Car Garage and backyard space for pets. Centrally located with close proximity to the Loop 101, Interstates 51 & I-17, an...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2024 Arizona Regional Multiple Listing Service, Inc. All rights reserved.
Looking for the perfect home in the perfect place? Chances are you'll want to check here first.
Freshest Data Available
Active Listings Only
Customizable Search Options
New Listing Alerts
Instant Home Value Assessments