Also read:
Process of Buying a Historic Phoenix Home
Financially Preparing
Yourself
To
Buy a Home
Top 10
things to know and to do when buying a home
Also
read: "What You Can Expect From Laura B."
4 Critical Factors In
Choosing A Phoenix Historic Homes Realtor
How to Buy a
Historic Home
Additional articles below ...
Finding your new
Historic Phoenix home
or any
Metro-Phoenix home
can be an exciting and rewarding
experience! As in all working relationships, trust
and communication are crucial to a positive
experience.
I will help you find the best home in your area
within your price range. And, together we will sell
your home if you need to, for as much as the market
will bear, and, as quickly as possible.
Have to sell
your home first?
Purchasing a home is, without a doubt, one of the
biggest purchases, if not THE biggest purchase you
will make throughout the course of your life whether
you are a first-time homebuyer or an experienced
homebuyer. When buying a historical home, it's
important that you choose the right Realtor to guide
you through the process. For starters, read my short
article on
4 Critical Factors In Choosing A Phoenix Historic
Homes Realtor.
Throughout the home buying process, there are a
complex set of transactions involving many different
people that need to be working in synergy in order
for a smooth, timely, successful close of escrow.
Here is some information to help you get started in
the purchase your new home. I always help my clients
step-by-step, hands-on, throughout the entire
process, something many Real Estate Agents do not
do.
For starters, as your agent, I will represent
YOUR interests exclusively throughout the
process of selecting and purchasing a home. Although
I will be representing you, the Seller's Agent pays
my fees.
Here are just a few things you can expect from me:
~ Unlimited time and attention to your needs and
wants
~ Integrity and ethics in dealing with you and
others on your behalf
~ Disclosure to you of any information that might
affect your decisions
~ Professionalism, education, knowledge and
experience combined with one of the hardest-working
people you'll ever meet!
~
Patience in educating you (if you desire and/or are
a first-time home buyer) and easy-to-understand
conversations.
~ Loyalty to you as a client
~ Confidentiality
~ Financial Education (a biggie)
Getting To Know You
Before looking at homes for sale, I would like to
know more about you. What are your needs and
preferences in a new home? What square footage? How
many bedrooms? How many bathrooms? Do you have
children, because if you do, school districts are
important. Do you want to live near your work? What
kind of community do you want to live in? The
questions go on & on so, the more I know about what
you'd like to find, the better I'll be able to help
you.
Helping You to Get Pre-Qualified For A Quality Loan
That Suits Your Needs
It's not uncommon for homebuyers to put the cart
before the horse. There are a number of very
important decisions that must be made before a
homebuyer actually goes "home shopping."
It's best to complete the qualification process
before home shopping whether it's with your favorite
lender or mine. You will know exactly what you can
afford and discover any problems early. The mortgage
company will provide you with a Loan Status Report
(LSR), which makes you a solid, qualified buyer in
the eyes of home sellers and their Real Estate
Agents.
One of the first things you must ask yourself when
wanting to purchase a home is, "where do I need my
monthly payments to be so I'm not a slave to my
mortgage?" This is SO crucial. I have had so many
clients approach me wanting to go shopping for a
home before they've asked themselves that question.
It would do no one any justice to begin house
hunting for a home that they cannot afford, or,
would make them a slave to their payment. These are
commonly the homeowners who end up in foreclosure or
having other financial difficulties.
One of the things I take pride in is making sure
that my clients can afford what they buy and still
live a comfortable life. I have mastered the art of
putting my clients into a house that they can call
HOME!
Obtain a Good Faith Estimate
It can be somewhat difficult to compare interest
rates between lenders. This is because paying fees
can lower the rate. The "low rate" loan advertised
in the newspaper or radio ad are usually loaded with
fees. In order to make a fair comparison, be sure to
ask for a written Good Faith Estimate from the
lender. If you check with several lenders, do not
allow credit checks to be done repeatedly. This is
not good for your credit score.
If you choose to shop multiple lenders, have your
credit pulled ONE TIME by a respected lender so you
know your FICO score, get a copy, which you
are entitled to, then call other lenders and say,
"hey ... here's my FICO score. What can you do for
me?" Again, I will guide you through this entire
process and even DO IT FOR YOU if you so choose!
Again, something most agents will not take the time
to do.
As an investor and multiple property owner myself, I
have done dozens of my own loans and am extremely
experienced and knowledgeable in this arena.
Do You Need To
Sell A Home
Before Purchasing A New One?
This can be a very tricky factor in many markets and
market times. Let's discuss how we can coordinate
your home sale with your home purchase, even if the
home you're selling is in another city. I can even
help you find a reliable Real Estate agent in your
city.
I can help you in the preparation and marketing of
your home for sale if it is in the Phoenix Metro
area.
See my Seller's Service
section of this website.
Wherever the location of the home you're selling,
the goal is to have a dual closing. This can become
complex and there is an art in doing it
successfully. Again, I'll hold your hand through
the entire process and oversee every single process,
every single detail and every single person involved
while communicating effectively and in a simplistic,
easy-to-understand manner with you.
If you Prefer to Sell Your Home AFTER the Purchase
of Your New Home
Many homebuyers prefer to do this. There are
multiple ways of making this happen without eating a
chunk of change from your pocketbook. There are
various loans, and more importantly, FACTORS of that
loan (such as pre-payment penalties vs. NO
pre-payment penalties), which make this very
possible and not complicating. Another reason why it
is critical to speak with a good honest lender first
and have a good, solid plan.
I have an incredible team of Lenders, Appraisers,
Title & Escrow Officers which I've scoured the
Valley of the Sun to find. They are no-nonsense
people who are as ethical as they get in this
business. It is by no means required that you use my
resources, in fact, I encourage people to shop
around and/or use who they are comfortable with.
Like I said before, it's all about building
relationships.
I hope you'll give me an opportunity to build a
relationship with you. Please feel free to
contact me
directly at any time for any questions, guidance or
assistance. My guarantee to you is this:
"If you don't like what I am doing for you, you can
fire me! No holds barred and no hard feelings! I
guarantee that you will like my services so much,
I'm confident enough to say ... I guarantee me!"
Hope to hear from you soon. Laura Boyajian, A.K.A.,
"Laura
B." Direct: 602.400.0008. email:
Laura.B@cox.net
Also read:
4 Critical Factors In
Choosing A Phoenix Historic Homes Realtor
Adjustable-Rate
Mortgages (ARMS)
10 Reasons Why You Should
Move to Phoenix, Arizona
Also
read "What You Can Expect From Laura B."
For More Articles,
News & Stories, Go to My Historic Phoenix Blog
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How to Buy a
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