Jennifer Srock - Your Casa Grande REALTOR®

Here To Help You Make Informed Decisions

602-743-5100
Jennifer@Srock.net
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First Time Home Buyer Secrets To A Successful Purchase- Phase 4

March 15, 2011 by jennifer@srock.net

Here’s a core guide to each phase of the home buying process.

  • Phase 1: Deciding If It’s The Right Time For You To Buy
  • Phase 2: The Pre-Qualification Process
  • Phase 3: House Hunting
  • Phase 4: Negotiation
  • Phase 5: Escrow, Inspections, & Underwriting

Phase Four: Negotiation

Here’s where your family, friends, and the media can cause you to lose the house you want. Although some of the advice may be great, it is generalized information. It may not apply to every home on the market in every city or more importantly, it may not have anything to do with the particular home you choose. [Read more…]

Filed Under: Buyer's Advisory Tagged With: bank owned, Buying homes, first time home buyer, first time home buyer mistakes, Foreclosures, home buyer, Home Buyer Mistakes, HUD Homes, lender owned, REO, USDA

First Time Home Buyer Secrets To A Successful Purchase- Phase 3

March 15, 2011 by jennifer@srock.net

Here’s a core guide to each phase of the home buying process.

  • Phase 1: Deciding If It’s The Right Time For You To Buy
  • Phase 2: The Pre-Qualification Process
  • Phase 3: House Hunting
  • Phase 4: Negotiations
  • Phase 5: Escrow, Inspections, & Underwriting

Phase Three: House Hunting

House_Hunting

House Hunting

It’s important to understand that most of what you see on the internet is not the direct source of the actual listing. These third parties brokers do pull their information directly from the Multiple Listing Service at some point but they don’t update as often or display as much information as you will receive directly from the source which is monitored and updated daily.

[Read more…]

Filed Under: Buyer's Advisory Tagged With: bank owned, Buying homes, first time home buyer, first time home buyer mistakes, Foreclosures, home buyer, Home Buyer Mistakes, HUD Homes, lender owned, On Q Financial, REO, USDA

First Time Home Buyer Secrets To A Successful Purchase – Phase 2

March 15, 2011 by jennifer@srock.net

  • Phase 1: Deciding If It’s The Right Time For You To Buy
  • Phase 2: The Pre-Qualification Process
  • Phase 3: House Hunting
  • Phase 4: Negotiations
  • Phase 5: Escrow, Inspections, & Underwriting

Phase Two: The Pre-Qualification Process

Prequalifying_For_A_Mortgage_Loan

Contrary to the real-life stories of a few bad apples in the industry taking advantage of unsuspecting buyers, working with a mortgage lender or broker recommended by your real estate broker or realtor may end up saving you money and saving your transaction.

In my experience, most agents are reluctant to put their trust into mortgage brokers too. Realtors have seen, heard, and experienced the real-life stories of buyers who have gone through lenders and more specifically, loan officers that were a detriment to the buyer. It takes time to build such a relationship of trust to make any recommendations. Afterall, a buyer agent’s recommendation can make or break their reputation and career.

When you work with a mortgage broker who has a strong track record of helping your realtor’s clients out, you get: [Read more…]

Filed Under: Buyer's Advisory Tagged With: bank owned, Buying homes, first time home buyer, first time home buyer mistakes, Foreclosures, home buyer, Home Buyer Mistakes, HUD Homes, lender owned, REO, USDA

First Time Home Buyer Secrets To A Successful Purchase- Phase 1

March 15, 2011 by jennifer@srock.net

Buying your first home is a big decision. Knowing the process will help you have a more enjoyable experience. Here’s a core guide to each phase of the home buying process.

  • Phase 1: Deciding If It’s The Right Time For You To Buy
  • Phase 2: The Pre-Qualification Process (Most Buyers Require A Mortgage)
  • Phase 3: House Hunting
  • Phase 4: Negotiations
  • Phase 5: Escrow, Inspections, & Underwriting

Phase One: Deciding If It’s The Right Time For YOU To Buy Your First Home.

Buying_A_Home_in_Arizona

Buying Your First Home in Arizona

Smart buyers decide to buy when it fits into their plans for…

  • Family. Are they planning to get married, have children or empty their nest?  Will any of these plans compromise their space needs or location priorities?
  • Career. Is there job security? Is there possibility for relocation or will they be working in the same area for the foreseeable future? Are there plans to start working less or start their own business in the months or years to come? [Read more…]

Filed Under: Buyer's Advisory Tagged With: bank owned, Buying homes, first time home buyer, first time home buyer mistakes, Foreclosures, home buyer, Home Buyer Mistakes, HUD Homes, Jennifer Srock, lender owned, loan approval, mortgage, OnQFinancial, prequalify, REO, USDA

Renovation Financing On Your Home Purchase – FHA 203K

March 14, 2011 by jennifer@srock.net

Are you trying to find a home to buy and finding that many need work to be up to your standards of living? So what do you do if you find the perfect home but you also find yourself calculating the cost of work it will take to make it YOUR home?

What if you were offered a solution? It is called an FHA 203k and it features: [Read more…]

Filed Under: Buyer's Advisory, Mortgage Information Tagged With: 203k, bank owned, Distressed property, FHA, Home improvements, Home Renovation, home repairs, REO

2011 Arizona HUD Home Auction With $100 Down Special Financing

March 11, 2011 by jennifer@srock.net

View_HUD_Homes_For_Auction

View HUD Homes For Auction

Yes, HUD has chosen Arizona to hold their first ever public auction with $100 down payment and up to 3% of your closing costs Saturday, March 26, 2011. So, how do you purchase one of these HUD homes at the auction? Here’s what you need to know:

1. Are you eligible?

  • Have not purchased a HUD owned home in the last 2 years.
  • Agree to occupy the home as a primary residence for a minimum of 12 months. Sorry, no investors or 2nd home purchasers.

2. Are you pre-qualified for a loan?

  • Work with the bank or lender of your choice to determine which loan you will be using to make the purchase. The $100 down may not be an option for you. [Read more…]

Filed Under: Home Tips Tagged With: $100 down, Arizona Hud Home, Auction, closing costs, FHA financing

Canadians Can Finance A Mortgage In Arizona

February 24, 2011 by jennifer@srock.net

Canadian_Mortgage_in_the_United_States

Canadian Mortgage in the United States

By Jennifer Srock

Many American banks cannot provide home financing to Canadian citizens. However, there is available financing to help Canadians purchase homes in America and it’s right here in Arizona.

Here’s a few highlights of Canadian Citizen financing available:

  • Must be a primary residence or 2nd/Vacation home
  • 15,20,25 and 30 year fixed rate terms
  • 3/1 or 5/1 adjustable rate terms [Read more…]

Filed Under: Mortgage Information Tagged With: Arizona Property Tax, Canadian Citizen Mortgage Financing, Canadian Property Tax, Canadians buy Arizona Homes, FIRPTA, foreign home buyers, Foreign Investor Tax, loans for Canadians, Mortgage for Canadians

FIRPTA on Arizona Real Estate Owned By A Foreigner

February 24, 2011 by jennifer@srock.net

Foreign_Investment_Real_Property_Tax_Act

Foreign Investment Real Property Tax Act

Since FIRPTA has no impact on a foreign citizen’s home purchase many foreigners don’t become aware of the possible tax implications until it comes time to sell their property. For the Foreign purchaser there really isn’t a difference in the purchasing process.

Selling a property is when a United States Foreigner would have to have an ITIN or meet one of the exceptions to FIRPTA withholding.

ITIN, An Individual Taxpayer Identification Number  is a tax processing number issued by the Internal Revenue Service (IRS) to individuals who must have a federal taxpayer identification number but who don’t have or aren’t eligible for a Social Security Number.

Individuals who need ITINs include non-resident aliens and US resident aliens who need to file a federal tax return and are not eligible for a Social Security Number, dependents and spouses of a US citizen or resident alien, and dependents and spouses of non-resident alien visa holders.

ITINs are used solely for the purpose of helping individuals comply with federal tax laws and to provide the means to efficiently process and account for tax returns and payments for people who are not eligible for Social Security Numbers. ITINs do not authorize work in the United States or Social Security benefits and are not valid outside of the tax system.

FIRPTA, the Foreign Investment Real Property Tax Act, is a law enacted in 1980. Under FIRPTA,  If a seller of real estate in Arizona is a non-U.S. citizen the buyer, real estate agent, escrow officer and/or attorney MUST insure approximately 10% of the sales price is withheld to be applied to the seller’s potential tax obligations pending a decision from the IRS. (unless an exemption applies). 26 U.S.C. § 1445(a) [Read more…]

Filed Under: Buyer's Advisory Tagged With: Canadian Citizen Mortgage Financing, Canadians buy Arizona Homes, Foreign Investor Tax, loans for Canadians, Mortgage for Canadians

Storage and U-Haul Services

February 22, 2011 by jennifer@srock.net

Show my business card for storage discounts.

  • 5’x5′ to 20’x40′ storage units
  • Climate controlled units
  • Secured indoor storage units
  • RV, boat, & auto storage units
  • Warehouse sized units
  • 24 hour security monitoring
  • On site live-in managers

Surelink Storage sells moving supplies, boxes and hitches. They are a U-HAUL Truck and Trailer rental facility as well.  This is your one stop shop for all your moving needs.

Serving Casa Grande, Arizona City, Eloy, Florence, Coolidge and Maricopa.

847 North Colorado Street
Casa Grande, AZ 85122
(520) 426-0077

Search AZ Homes For Sale and Explore Current Market Data

Filed Under: Casa Grande News

Mission Royale Golf Course In Casa Grande

February 17, 2011 by jennifer@srock.net

Mission_Royale_Golf_Course

Mission Royale Golf Course

Looking for a golf course in Casa Grande?

Tough battles are fought in a struggle to win an exciting round of golf on this magnificent 18 hole public golf course. More pleasantly put, the scenic lush green blends seamlessly with the surrounding environment and mountain views in the distance.  Which ever way you look at it, Mission Royale Golf Course In Casa Grande creates memorable experiences for both beginner and expert golfers.

You’ll enjoy the putting/chipping areas, a driving range, club rentals, golf carts, and other bonus amenities like Hogan’s Restaurant, the Pro Shop, and golf lessons with PGA professionals.

Want to Golf Like a PGA Pro? [Read more…]

Filed Under: Casa Grande News Tagged With: Mission Royale

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