West USA Realty - C. Dale Hillard, Broker

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Join West USA Realty

We are looking for new and experienced agent. While other real estate companies are downsizing, West USA Realty is growing. call me today to for an interview. 602-942.4200.

5. Be sure your down payment is where it can be “seasoned” in a savings or checking account. The lender wants to know that you have “skin in the game” (as they say) and that it is not money pulled from a credit line or place on a credit card at the last minute.

6. Be aware of the required down payment on the loan you seek. The majority of loans today are from the Federal Housing Administration (FHA). The minimum loan for an FHA loan is 3.5% of the total purchase price. The FHA allows a gift from a family member, employer or charitable organization. Most non-FHA-insured loans require a 10% down payment.

7. Check with your lender early in the process and have your “ducks-in-a-row.” before selecting the property you want.

8. Call your REALTOR to begin the search. BTW, I am a great source to help you find a professional in your area. I am the Designated Broker with over 1100 agents in 5 office locations across the Valley of the Sun. Also, I can help locate an agent anywhere in the USA with my sources.

Now is a great time to buy, especially with the financial incentive being available.

Selling Your Home

A Few Quick Tips about Buyers and Open Houses

Okay everyone … Things are changing for both Buyers and Real Estate Agents in promoting and checking out Open Houses. Here are a few tips for both agent and buyer:

1. Technology is forcing new ways to promote and research for open houses. Learn More

Welcome

A Few Quick Tips about Buyers and Open Houses

Okay everyone … Things are changing for both Buyers and Real Estate Agents in promoting and checking out Open Houses. Here are a few tips for both agent and buyer:

1. Technology is forcing new ways to promote and research for open houses. Learn More

Finding The Right Agent

Why not call C. Dale Hillard, he is a 29 year veteran in the real estate industry … a past President of the Arizona Association of REALTORS … involved with the National Association of REALTORS … Senior Instructor of the Arizona GRI (Graduate, REALTOR Institute) … and knows agents personally all across the state of Arizona. He will personally handle your referral lead to the “right agent for you.”

This extraordinary service takes the guess work out of choosing a REALTOR. After all, who is more qualified to find one of the state’s best agetns than someone who has trained most of them himself? As a working real estate broker and a past president of the Arizona Association of REALTORS, Dale knows what you expect from your agent —communication, knowledge, and outstanding service. Dale brings each of these to you, personalizing his servie to your needs.

First Time Homebuyers

First Time Homebuyers — Now Is The Time

The $8,000.00 is in effect until June, 2010. Congress is seriously considering extending it into 2010. Stay tuned to learn exactly when that announcement will be coming forth.

So, in the meanwhile, go buy NOW and seek a “quick closing” or get yourself positioned for the proposed extension, which experts agree is going to happen. The two big issues are credit and down payment. To increase your chances for loan approval:

1. Get your paperwork ready. You will need bank statements (usually the latest two months), W-2 wage and tax statements, and pay stubs (usually the latest two).

2. It is best to have “too much documentation” that too little. Having all the documentation together will actually help to speed the process. (And, sometime it is truly lengthy!)

3. Check your credit score. The most widely used score is one called “FICO” (which ranges from 300 to 850). Your score is based upon information in your credit report. It is used to help lenders predict how likely you are to make your payments on time. The higher the FICO score the better the chance your chances for loan approval at a low interest rate.

4. If applicable, “clean up your credit score.” The best way to do this is to catch up on any late payments and pay off or pay down your debt.