Phoenix Real Estate & Homes For Sale

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You have found your Realtor resource for buying and selling your home!  Whether you are looking for a new Goodyear property or Anthem land, or you are in the preliminary stages of a Phoenix real estate search, you have found the best in professional customer service.  Buying or selling a home can be one of the most stressful things you can go through.
I want to help you find your dream home, and I take my position very seriously and personally. Your concerns are my concerns and I have the resources to help you.

 I specialize in homes for sale and the Maricopa County real estate market.  With expertise in purchasing and listing properties in Phoenix, Anthem, Avondale, Goodyear, Sun City and Surprise.

Through this real estate web site, you have the ability to search virtually every home for sale in Phoenix, Anthem, Avondale, Goodyear, Sun City and Surprise and all other local areas. In addition to accessing houses and real estate for sale; this web site features comprehensive community information for Maricopa County areas that can help guide you in making the right buying or selling decisions for you or your family.

• For the best rates on a conforming loan, people need a 20% down payment and a FICO of 750 or higher, Cecala said. Not surprisingly, very few people meet those requirements, he added. Risk-based pricing by Fannie Mae and Freddie Mac will cause those who don't meet those basic parameters to pay more for their mortgage. So even if you're able to get a mortgage with a 640 credit score, the loan terms will be more expensive, he said -- and if you have a low credit score you'll probably have to put more money down than someone who has better credit.
• Borrowers who aren't able to put 20% down will likely have to purchase mortgage insurance, and to get that there's another set of requirements that must be met. Insurers are being "very cautious" with regard to what they will insure, Habetz said. Requirements differ at each mortgage-insurance firm, but if a home is in a market where prices are declining, borrowers may be asked to put down 10%.
• Borrowers who are eligible for a loan backed by the Federal Housing Administration may be able to put down as little as 3%. That has become a more popular option for those with weak credit scores.
• Most nonconforming jumbo loans today are being made by portfolio lenders, who keep the loans on their books, Cecala said. Consumers may do well by doing some legwork and comparing rates at local community banks, which have been "coming out of the woodwork" to offer competitive rates, he added.

"There's money to be had, you just have to jump through hoops to get it," Cecala said.