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Homes for Sale in Phoenix AZHomes for Sale in Phoenix AZ

ROBERT KIRKWOOD, REALTOR® | IAmAZRealty.com

602-743-9697 | Email Me

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Buy

Home Buyers

Why buy with me?

Everyone dreams of owning their own home. When buying your first home, it can be a very exciting, yet anxiety filled experience. However, if you know what to expect during the home buying process you will be more relaxed and comfortable knowing that I will be by your side every step of the way guiding you through it and looking out for your best interests. Below are some of the things I will be helping you with along the way!

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Setting a Budget

Before the house hunting process begins, it is important to know how much you can afford. Expenses to consider include the down payment, monthly expenses, property taxes and any home insurance costs. These will all have to be considered before the home buying process begins as they are typically included in your new monthly payment. Since a person’s credit score determines their interest rate, knowing your score ahead of time can help you decide if now is a good time to buy or not. An individual’s debt-to-income ratio must also fall within acceptable limits of the home’s cost. Once you have determined these things, and if you feel that your budget has enough room to afford a new home, then its time to begin the home buying process!

Calculate your Payment

Getting Pre-Approved

When looking for a loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and companies will offer different loan origination fees and by shopping around you can often times save yourself a lot of money. Be sure to also check your loan officers website for testimonials and information. A good loan officer will offer you many online resources and tools. Before you lock in your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month and come in fixed or adjustable terms. Mortgage lengths can range from 15 years to 30 years with some loan providers now offering 40 year mortgages as well. The longer the repayment term, the lower the payments will be. However, the interest accrued will also be higher on a longer loan.

Making an Offer & Negotiations

There is an art to making an offer on a home. Typically, sellers place their home’s value a little higher than their desired price. A buyer will send in a lower bid, in a reasonable range, and the seller will counter with an offer somewhere in the middle. I will be watching for signs of problems in the home and will make suggestions to you regarding the offer. Listen closely and be sure to ask questions, as your offer is an important part of buying a home. You want to make sure all of your bases are covered. That’s where having me as your Buyer’s Agent is most valuable so your rights and interests are protected. With my experience on your side, I will be able to help you negotiate a lower price that sometimes includes concessions or closing costs and avoid homes that have problems. My job is to protect YOU in the contract.

Escrow and Closing Costs

Before the home is legally transferred to you, the closing process must occur. During this phase, you will sign all of the mortgage documents, pay closing costs, and sign various other legal documents. I will be there to help you through it all. Once all of the papers are signed and monies are transferred, the keys to your new home are yours! The only thing left to do is move into your humble abode. This may occur immediately after the closing or at the date set in the closing documents.

Better Home Search

My website has the best online tools to search for your home! In fact, it’s even better than Zillow, Trulia and the many other real estate websites out there because my site is directly connected to the local MLS! What does that mean for you? Accuracy and Advantage! When you search homes here, you get the most up to date homes and properties available with the most accurate information! AND, if you sign up for Deal Alerts, you will get alerted of NEWEST Property matches BEFORE any other site has them! First, start by trying one of my Search tools in the menu. Try the Advanced search to choose specific options & customize your results based on all of the things you wish for in your new home. Second, Save your Search and you will be set up for auto alerts when a new home hits the market that matches! You can also try the Map search which offers a unique perspective by allowing you to use the polygon tool on the side to create boundaries on a map around the areas you want to live in. Already know the address of the property you want? Try the Address Search. OR if you have the property ID you can use the Listing Search to search by MLS#. Find a home you like? Simply click on the Schedule a showing button and send me an alert. I will schedule the time and confirm with you once it is set up! Once you have started searching, be sure to check out your My Account page so you can manage your Saved Searches & Favorite properties. The My Account feature has a ton of great tools designed to cater directly to you and provide you with a home-buying experience. And it’s Mobile friendly!

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Home Insurance

Lenders normally require that you insure your home. Home Insurance Policies cover the costs to fix any damages that might occur to the home. The price of this insurance is dependent on a home’s age, location and value and the insurance company you choose. Be sure to call around and get several quotes or ask me for a list of vendors I work with. Insurance agents will oftentimes be able to take your information over the phone and get back to you the same day with a quote. Once you choose a company to insure your new home, the cost of that policy is normally added into your closing costs and sent into an escrow account to be paid to the insurance company directly the first year.

Home Inspections

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late. If you need help finding a Home Inspector, ask me! I can give you recommendations for many service providers that I work with all the time!



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Hire THIS REAL ESTATE AGENT

Thank you Robert for helping us out with the property that we have now… We will use you and refer you in the future! Continue Reading

E. Trasigner

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I give my highest recommendation for Robert Kirkwood

I am disabled and could not drive, Robert came and picked me up every time we met. He was punctual and on top of things. We have no doubt he will deliver the best home buying or home selling experience possible for you as well. Continue Reading

S. Robertson

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HIGHLY Recommend!

Timelines were completed ahead of time. His communication and expertise is impeccable. Continue Reading

J. Eaton

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He will always be our realtor from now on.

Other Realtors we have used, just do their job, but did not compare to his service, integrity and honesty. Continue Reading

D. Smith

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I will recommend him to all our friends and family.

He kept track of all our paperwork and made sure we knew what was going on throughout the whole process. His expertise and guidance was indispensable. Continue Reading

S. Andersen

Contact Us Now



602-743-9697

iamazrealty@gmail.com

6751 N Sunset Blvd, Ste 320
Glendale, AZ 85305

Robert's License #SA665534000
Company License #LC562698020

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Did you know the hottest homes for sale in Phoenix often sell within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest homes as they hit the market! Simply click the button below and choose the qualities that you want most in a home and save your search to start getting alerts today!

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As local a Phoenix Real Estate Agent, I also have access to homes before they hit the market and can show you more homes and information that are only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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Licensed in Arizona | Phoenix AZ Homes & Real Estate

AREAS WE COVER:

85003, 85004, 85006, 85007, 85008, 85345, 85383, 85381, 85382, 85301, 85302, 85303, 85304, 85305, 85374, 85378, 85379, 85387, 85388, 85323, 85392
Phoenix, Peoria, Glendale, Surprise, Avondale

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