3 Must-Do Moving Tips for Phoenix Area Homeowners

new home moving tips
Moving Into Your Phoenix Area Home Made Easier

With the excitement involved in moving into a new home and all of the things that need to be done, it’s easy to forget the few important things before you load up the moving van. If the day of departure is drawing closer and you’re mulling over the final details, here are 3 must-do moving tips you may want to check off the list first.

Move In Tip #1: Install New Locks

One of the most important aspects of home ownership is the feeling of security that it automatically provides.  You’ll definitely want to change out the locks on the doors before you embark on the big move. As soon as you’ve received the keys to your new home, contact a locksmith who will be able to do the dirty work for you.  Or if time permits, you may want to take on this task yourself and save a little bit of money in the process.

Move In Tip #2: Do A Quick Clean

With so many boxes to unpack and items to organize, the concept of cleaning the house you’ve just moved into might not be very appealing; however, this can be a necessary step in making you and your family feel more at home. It doesn’t have to be the kind of cleanup that will take 10 hours, but a quick dusting and wiping of cabinets, window blinds and appliances, as well as a quick sweep and vacuum of the floor, may change the way you feel about your new home.

Move In Tip #3: If Time Permits, Paint!

If the walls of your new house happen to be in immaculate shape, you can probably avoid paint; however, a prime up of the walls can add a lot to the sparkle to your new home and may make it feel like yours much sooner. Instead of going for boldness or deciding on a decorating scheme right away, choose a neutral color that will instantly brighten your room. If the walls or closets are in particularly bad shape, you may even want to contact a professional who will be happy to sand, spackle, and paint those marks away.

Moving into a new home is undoubtedly a time of great excitement, but there are some things you should do before you make yourself comfortable in your new place. If you’re curious about what’s available in the Arizona market or would like to know your current home value, contact NextHome Valleywide in Chandler, AZ for more information. 

Spring Selling Season: 4 Tasks to Get Your Home Ready


spring selling seasonThe Spring Selling Season is peak selling season when it comes to real estate, and this year looks to be one of the best in many years!  It’s a good time for a few fix ups if you’re putting your home on the market. While you may have a lot of different things to do before you’re ready for your first showing, here are the four things to keep at the top of the list.

Complete The Forgotten-About Fixes

If you’ve lived in your home for a while, it’s entirely possible that there’s a damaged baseboard or broken door latch that you haven’t gotten around to fixing; however, these are the things that a potential buyer will quickly notice. Instead of leaving it to chance, make a note of the little fixes and complete them before you set a date for a showing.

Do A Spring Clean

Packing up all of your stuff for a big move can be quite a gargantuan task, but taking advantage of spring-cleaning to clear out some old stuff will make the selling process a lot smoother. Not only will this force you to look at your home with new eyes, it means there will be little less to organize and de-clutter when it comes to staging time.

Break Out The Paint Cans

It’s important to stay away from colors that are too bold, but taking your brush to the paint can bring a lot to what viewers will take away from your home. Instead of a dull coat or chip marks, potential homebuyers will see your home in its best light. As painting your home can be quite a sizeable task, make sure you take this on well in advance of putting your home up for sale.

Check Out The Exterior

There’s often enough cleaning to do inside the home that the exterior is forgotten about, but this is the first thing a new visitor to your property will see. Instead of sticking to the inside, make sure that your lawn is mowed, any flowers beds are well groomed, and make sure that nothing appears out of place or disheveled.

There’s a lot to be done before Spring Selling Season and  putting your home on the market, but by following these tips you’ll be well on your way to a positive home staging. If you’re almost ready to sell and are weighing your options, you may want to contact one of our trusted real estate professionals for more information.

Own vs Rent: Why High Rents Are Worse Than a Mortgage over the Long Term

If you’re at the stage in life where home ownership is nearly within your reach, you’re probably beginning to think about the age old question of own vs rent.  own vs rentRenting is easier, people say, and it gives you more mobility. But over the long term, all that rent money can really add up – and it eventually reaches a point where buying a home is a better deal.

So why is paying a high rent a worse option than buying a house and getting a mortgage? Here’s what you need to know.

Own vs Rent: Renting Doesn’t Generate Equity

One of the single biggest sources of wealth in the United States is home equity – as you pay down your mortgage, you invest more and more of your money into your property, and it appreciates in value. When you eventually sell that home, you make a profit. The monthly payment is something you’d have to make anyway, whether you rent or own – but when you rent, your monthly rent money lines someone else’s pockets, while when you own, paying down your mortgage actually creates wealth for you.

Own vs Rent: Renting Doesn’t Give You Access To Homeowner Tax Credits And Deductions

There are all sorts of tax benefits available to homeowners that renters simply can’t access. As a homeowner, you can deduct your mortgage interest from your taxes owing, reducing your taxable income – but there’s no such deduction for renters. You can also deduct property taxes and some closing costs when you buy a home – there are no corresponding tax benefits for renters.

There are also several tax credits available to homeowners that aren’t available to renters. Things like renovations or simply buying a home for the first time can give you tax benefits that renters can’t access.

Own vs Rent: If You Can Muster Up A Down Payment, Owning Is Cheaper In The Long Run

One of the biggest hurdles keeping young people out of the real estate market is the down payment. It’s not easy, but if you can save up enough money for a down payment, you’re actually better off buying a home than continuing to rent.  And there are FHA programs available with as little as 3.5% down!

According to Trulia, the median home price in metro Phoenix  is just under $193,000, while the median monthly rent for an apartment is $1,400. That means renting would cost $16,800 per year, while buying a home (assuming a 10% down payment and 30-year term) would cost $9,653 per year in mortgage payments. In other words, owning is about half as expensive as renting in the long run.  Trulia also provides a handy own vs rent calculator.  

Renting may be a good short-term solution, but over the long haul, owning is almost always better.  That . . . and you no longer have to be afraid of catching your landlord walking around wearing your clothes.  Give us a call today and we can help make your home ownership dream come true.

Low FICO? 4 Easy Credit Repair Strategies

credit repair

If you’re worried about your low FICO score, you’ll want to begin some credit repair strategies as quickly as possible – especially if you have a major purchase coming up. Improving your credit rating can give you access to better interest rates on mortgages or even help you to get that job you’re after.

So how can you boost your FICO score quickly and easily? Here’s what you need to know.

Get Your Credit Report And Dispute Any Errors

Credit reporting agencies don’t always keep 100% perfect records, and there’s a good chance that your credit report contains at least one error. One recent FTC study found that 25% of consumers have an error on their credit report, and that in 5% of cases, the errors were actually severe enough to impact the loan terms that borrowers were able to negotiate.

You can get your annual credit report from all three credit reporting agencies for free:

Experion

Equifax

Trans Union

Carefully read over it. If you see any errors – if your name is misspelled, if they have the wrong address on file, or if there are late or unpaid charges that you didn’t make – you can dispute the items in question.

Still Overdue? Negotiate Payment Terms With Your Creditors

If you’re overdue on a payment, it will weigh heavily on your credit score. As your payment history makes up a full 35% of your FICO score, this is one area where you’ll want to invest a great deal of time and effort.

Contact any creditors you owe money to and ask if you can negotiate your bill. The ideal outcome for you is to have the creditor report your debt as paid in full, so see if you can secure that promise in writing in exchange for an accelerated payment schedule.

Try Maintaining A Lower Utilization Ratio

Your utilization ratio refers to the amount of credit you use at any given time. If this number goes beyond 30 percent, you’ll start to see your credit score drop. Ideally, you should aim for a utilization ratio below 10 percent – this will prove to your lender that you can responsibly pay for the credit you use.

Have Recurring Bills? Automate Your Payments

Automating your monthly payments can be a great way to boost your credit score. Whether it’s your mortgage, your credit card, or your student loan, a pre-authorized monthly payment will ensure that everything gets paid on time and give you a great credit history.
Your FICO score is a number that will determine your eligibility for mortgages and other loans. Call your local mortgage professional to learn about what kind of a mortgage your credit score can afford you.  

Wholesale Real Estate: 1114 S. Tiago Dr., Gilbert

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Awesome Wholesale Real Estate Deal in Gilbert!

As many of you know, we have been active in the Phoenix investor market for many years now.  Because of this we have access to many awesome wholesale real estate deals that you will not find on the MLS.  In the past we have made these deals available to a select number of investors that we work with, but now we want to let you all in on some of these select deals!  If you are interested in doing a flip on one of these, feel free to contact Craig @ 602/206-6632 for details.

BUT, there are some rules for these kind of deals:

  1.  Cash only–we can help you arrange hard money financing if you need it.
  2. Drive by only–do not attempt to contact any occupants of the property.
  3. If interested call Craig @ 602-206-6632 and he will make arrangements to view inside if possible.
  4. Move fast–these deals typically are purchased by an investor within days!

1114 S. Tiago Dr., Gilbert, AZ 85233

  • 3 bed, 2 bath
  • 1543 square feet
  • built in 1989

This property is ready for updating and needs some roof repair as well.  Wholesale price is $180,00 and estimated ARV is $225,000-$230,000–maybe more with a nice rehab!

Call Craig today for details and to make your offer!

In the future, we will be creating an instant text messaging system to alert interested parties of these deals as soon as they become available.  Make sure to let Craig know if you would like to be included.