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  • Let's get down to brass tacks with the home buying process. You as a buyer are spending a lot of money and have the right to be comfortable and happy with your purchase right? Of course you do. So essentially the question is what needs to be done in order to ensure that this is so? Well, probably the most important things is communication. It's a good idea to remember that your realtor is there for more than simply helping with some contracts. Your realtor is your info source of information on anything that you might not know or be familiar with. The more you communicate with your realtor the smoother this process will be. ⠀
Another way to ensure that you are completely happy with the home that you have bought is to never settle for anything less than what you need. This happens a lot when buyers are too eager to purchase quickly and in that quickness, things get overlooked. Remember that this is going to be your home, take the time to learn everything you can about the home in question. Does it have enough room for you and your family? Is there some extra room in case your family grows? Forward planning is an essential part of buying a home, and should never be overlooked. ⠀
When everything is said and done you should be left feeling like you have made the most intelligent purchase of your life. You should also have a financial arrangement that fits your lifestyle and payment abilities. In order to make this happen you need to be in complete control of your financial life, you should have your credit completely sorted out and dealt with so that there are no bridges that have to be crossed in order to secure the necessary funds for the purchase. Follow the advice of your realtor and the process should be a lot more fun than it is stressful.Give us a call if you have any questions (602)332-6850.⠀
#firsttimehomebuyer #realestateaz#realestatephoenix #mortgage#realestate #agent #realestateagent#realestatebroker #salesforce#therivasteam#dmultimediamarketing
  • Let's get down to brass tacks with the home buying process. You as a buyer are spending a lot of money and have the right to be comfortable and happy with your purchase right? Of course you do. So essentially the question is what needs to be done in order to ensure that this is so? Well, probably the most important things is communication. It's a good idea to remember that your realtor is there for more than simply helping with some contracts. Your realtor is your info source of information on anything that you might not know or be familiar with. The more you communicate with your realtor the smoother this process will be. ⠀
    Another way to ensure that you are completely happy with the home that you have bought is to never settle for anything less than what you need. This happens a lot when buyers are too eager to purchase quickly and in that quickness, things get overlooked. Remember that this is going to be your home, take the time to learn everything you can about the home in question. Does it have enough room for you and your family? Is there some extra room in case your family grows? Forward planning is an essential part of buying a home, and should never be overlooked. ⠀
    When everything is said and done you should be left feeling like you have made the most intelligent purchase of your life. You should also have a financial arrangement that fits your lifestyle and payment abilities. In order to make this happen you need to be in complete control of your financial life, you should have your credit completely sorted out and dealt with so that there are no bridges that have to be crossed in order to secure the necessary funds for the purchase. Follow the advice of your realtor and the process should be a lot more fun than it is stressful.Give us a call if you have any questions (602)332-6850.⠀
    #firsttimehomebuyer #realestateaz #realestatephoenix #mortgage #realestate #agent #realestateagent #realestatebroker #salesforce #therivasteam #dmultimediamarketing
  • 3 0 5 October, 2019
  • For the first time since 1994, certain home sales of $400,000 and under will soon not need an appraisal after federal regulators approved a proposal to increase the threshold at which residential home sales require an appraisal.⠀
Last November, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve released a proposal that would increase the appraisal requirement from $250,000 to $400,000, meaning that certain home sales of $400,000 and below would no longer require an appraisal.⠀
The agencies deliberated the rule for nearly a year, taking into consideration the more than 560 comments the agencies received about the rule change.⠀
Last month, the FDIC and OCC signed off on the rule, but were still waiting on the Fed to approve the rule change as well.⠀
Now, the Fed has also given the rule change its stamp of approval, and with all three agencies signing off, the appraisal rule change will soon go into effect.⠀
“The appraisal threshold was last changed in 1994,” the federal agencies said in a joint statement. “Given price appreciation in residential real estate transactions since that time, the change will provide burden relief without posing a threat to the safety and soundness of financial institutions.”⠀
According to the final rule, which can be read here, the change will go into effect as soon as the final rule is recorded and published in the Federal Register.⠀
A spokesperson for the FDIC told HousingWire that the rule has been submitted to the Federal Register, adding that the publication of the rule should take place within a matter of days.⠀
⠀
If you would like to read the entire article go to our facebook fanpage www.fb.com/thedreamteamvip. If you want to explore your options please give us a call (623) 206-1074.⠀⠀
⠀⠀
#mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing
  • For the first time since 1994, certain home sales of $400,000 and under will soon not need an appraisal after federal regulators approved a proposal to increase the threshold at which residential home sales require an appraisal.⠀
    Last November, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve released a proposal that would increase the appraisal requirement from $250,000 to $400,000, meaning that certain home sales of $400,000 and below would no longer require an appraisal.⠀
    The agencies deliberated the rule for nearly a year, taking into consideration the more than 560 comments the agencies received about the rule change.⠀
    Last month, the FDIC and OCC signed off on the rule, but were still waiting on the Fed to approve the rule change as well.⠀
    Now, the Fed has also given the rule change its stamp of approval, and with all three agencies signing off, the appraisal rule change will soon go into effect.⠀
    “The appraisal threshold was last changed in 1994,” the federal agencies said in a joint statement. “Given price appreciation in residential real estate transactions since that time, the change will provide burden relief without posing a threat to the safety and soundness of financial institutions.”⠀
    According to the final rule, which can be read here, the change will go into effect as soon as the final rule is recorded and published in the Federal Register.⠀
    A spokesperson for the FDIC told HousingWire that the rule has been submitted to the Federal Register, adding that the publication of the rule should take place within a matter of days.⠀

    If you would like to read the entire article go to our facebook fanpage www.fb.com/thedreamteamvip. If you want to explore your options please give us a call (623) 206-1074.⠀⠀
    ⠀⠀
    #mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing
  • 5 0 28 September, 2019
  • Here are some of the benefits when refinancinf your home:⠀
1) Lower monthly payments. It is true that the house is the biggest asset a person can have. But it is also true that the monthly payment for mortgage is the biggest eater of monthly budget. So, would it be better if homeowners have the choice of lowering down the monthly payment? Refinancing is the best way to do it, since refinance will adopt the current interest rate. Every borrower knows that he or she is paying big on interest rate especially during the first half of the term. If refinanced, the old rate with higher monthly payment is replaced by new and lower rate that equates to lower monthly payment.⠀
2) Changing from fixed-rate to adjustable rate. Interest rates influence the fees homeowners pay monthly. There are two kinds of interest rates used in mortgages: fixed-rate and adjustable rate. When the rates are low, the adjustable rate mortgages are the most desirable. Meanwhile, if the interest rates are high, fixed-rates can be more ideal option. So if the homeowner has applied for fixed-rate loan and the interest rate have suddenly went down, changing from mortgage fixed-rate to adjustable rate is the best option.⠀
3) Option to shorten the length of mortgage.  Mortgage refinance would allow homeowners to change the length of mortgage. For instance: A homeowner is on the 7th year of payment on a 30-year term, with mortgage refinance, he can switch to shorter terms and opt either for 10, 15, or 20 years. ⠀
4) Extra cash. Using refinancing, a homeowner can access extra cash through the equity he has built. This is helpful in remodeling the house or paying for other things. ⠀
⠀
If you want to explore your options please give us a call (623) 206-1074.⠀
⠀
#mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing.
  • Here are some of the benefits when refinancinf your home:⠀
    1) Lower monthly payments. It is true that the house is the biggest asset a person can have. But it is also true that the monthly payment for mortgage is the biggest eater of monthly budget. So, would it be better if homeowners have the choice of lowering down the monthly payment? Refinancing is the best way to do it, since refinance will adopt the current interest rate. Every borrower knows that he or she is paying big on interest rate especially during the first half of the term. If refinanced, the old rate with higher monthly payment is replaced by new and lower rate that equates to lower monthly payment.⠀
    2) Changing from fixed-rate to adjustable rate. Interest rates influence the fees homeowners pay monthly. There are two kinds of interest rates used in mortgages: fixed-rate and adjustable rate. When the rates are low, the adjustable rate mortgages are the most desirable. Meanwhile, if the interest rates are high, fixed-rates can be more ideal option. So if the homeowner has applied for fixed-rate loan and the interest rate have suddenly went down, changing from mortgage fixed-rate to adjustable rate is the best option.⠀
    3) Option to shorten the length of mortgage. Mortgage refinance would allow homeowners to change the length of mortgage. For instance: A homeowner is on the 7th year of payment on a 30-year term, with mortgage refinance, he can switch to shorter terms and opt either for 10, 15, or 20 years. ⠀
    4) Extra cash. Using refinancing, a homeowner can access extra cash through the equity he has built. This is helpful in remodeling the house or paying for other things. ⠀

    If you want to explore your options please give us a call (623) 206-1074.⠀

    #mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing .
  • 11 0 17 September, 2019
  • If you are ready to move out of your apartment, there is no time better than now.  Beginning to search for your first home is an important step to having the ability to build better finances and to live in a place that is comfortable.  If you are considering a new home, there are specific things that you will want to know before jumping in with both feet. ⠀
Before you even begin to look at homes, make sure that you conduct your own investigation.  This will mean that you should find the going rates, how much other owners are paying every month, and what you can or can't afford.  A great way to do that is by getting pre-approved with a loan officer. At The Rivas Team we can intruduce to you to the loan officer  we've worked with for years, and has helped us along the way with several clients.⠀
From here, it is all a matter of getting involved with the right people.  One of the most important decisions that you can make is to find the right real estate agent.  This will make a large difference in the type of deal that you get as well as what type of home and mortgage you end up with.  Real estate agents have the ability to do investigations for you and find something that is best for you.  You will also want to make sure that there are connections with home inspectors and the right lenders.  Without the right people set in place, there will be problems with getting the best deal with your new home. ⠀
Getting into a first home is a large step from an apartment, making it important that you understand what you are getting into. ⠀
The process of finding a new home can be challenging and fun.  Making sure that you open the front door instead of having to crawl through the back can help you to get exactly what you want.  By having a TEAM with many years of experience behind you,  can make this process easier, and better to understand. Give us a call if you have any questions (602)332-6850.⠀
#firsttimehomebuyer #realestateaz#realestatephoenix #mortgage#realestate #agent #realestateagent#realestatebroker #salesforce#therivasteam#dmultimediamarketing
  • If you are ready to move out of your apartment, there is no time better than now. Beginning to search for your first home is an important step to having the ability to build better finances and to live in a place that is comfortable. If you are considering a new home, there are specific things that you will want to know before jumping in with both feet. ⠀
    Before you even begin to look at homes, make sure that you conduct your own investigation. This will mean that you should find the going rates, how much other owners are paying every month, and what you can or can't afford. A great way to do that is by getting pre-approved with a loan officer. At The Rivas Team we can intruduce to you to the loan officer we've worked with for years, and has helped us along the way with several clients.⠀
    From here, it is all a matter of getting involved with the right people. One of the most important decisions that you can make is to find the right real estate agent. This will make a large difference in the type of deal that you get as well as what type of home and mortgage you end up with. Real estate agents have the ability to do investigations for you and find something that is best for you. You will also want to make sure that there are connections with home inspectors and the right lenders. Without the right people set in place, there will be problems with getting the best deal with your new home. ⠀
    Getting into a first home is a large step from an apartment, making it important that you understand what you are getting into. ⠀
    The process of finding a new home can be challenging and fun. Making sure that you open the front door instead of having to crawl through the back can help you to get exactly what you want. By having a TEAM with many years of experience behind you, can make this process easier, and better to understand. Give us a call if you have any questions (602)332-6850.⠀
    #firsttimehomebuyer #realestateaz #realestatephoenix #mortgage #realestate #agent #realestateagent #realestatebroker #salesforce #therivasteam #dmultimediamarketing
  • 15 0 17 September, 2019