Jennifer Srock - Your Casa Grande REALTOR®

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How Long To Wait To Buy A Home After Bankruptcy

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Infographic detailing mortgage waiting periods after bankruptcy for Arizona buyers, split into Chapter 7 and Chapter 13 timelines. Chapter 7 requirements show Conventional loans require 4 years, FHA 2 years, USDA 3 years, and VA 2 years. Chapter 13 requirements show Conventional loans require 2 years from discharge or 4 years from dismissal, FHA requires more than 12 months with trustee history or 24 months discharged, and VA requires a 12-month payment history with court permission.

A quick guide to mortgage waiting periods after Chapter 7 and Chapter 13 bankruptcy for Conventional, FHA, VA, and USDA loans.

By Jennifer Srock

How long must buyers wait before obtaining mortgage financing?

Keep in mind you will always need to examine your specific situation with your mortgage lender. The following is general information. I always recommend Arizona buyers contact a  Loan Officer for a free consultation on qualifying for a mortgage loan. Ask me for some recommendations to shop.

So, here are the facts: [Read more…]

How Long To Wait To Buy A Home After A Short Sale

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By Jennifer Srock

How long must buyers wait before obtaining mortgage financing after a short sale?

Keep in mind, extenuating circumstances may apply to your situation. You always need to discuss your specific circumstances with your mortgage lender. I always recommend Arizona buyers contact Senior Loan Officer, Cheryl Barber at 520-560-2109 for a free consultation on qualifying for a mortgage loan. Her background in financial services and mortgage lending since the early 1980’s along with her good natured personality is a guarantee you have someone that will not only give you the harsh reality, if need be, she always has your best interest in mind. She has proved that to me through my clients and family since I gave her a chance in 2006.

So, here are the facts: [Read more…]

How Long To Wait To Buy A Home After Foreclosure

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How long must buyers wait before obtaining mortgage financing after a foreclosure?

Keep in mind, extenuating circumstances may apply. You always need to discuss your specific situation with your mortgage lender. I always recommend Arizona buyers contact Senior Loan Officer, Cheryl Barber, at 520-560-2109 for a free consultation on qualifying for a mortgage loan. Her background in financial services and mortgage lending since the early 1980’s along with her good natured personality is a guarantee you have someone that will not only give you the harsh reality, if need be, she always has your best interest in mind. She has proved that to me through my clients and family since I gave her a chance in 2006.

So, here are the facts: [Read more…]

10075 N Penworth DR Casa Grande, AZ Open House

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By Jennifer Srock

3/22/2014 from 10a-2p – 10075 N Penworth Casa Grande, AZ Partakes In Nationwide Open House

Not your stereotypical double wide manufactured home. The detail in the remodeling of this home shows the pride of ownership. This home encourages comparison to the site built homes at or below it’s price in the area. None of the manufactured or site built homes in this area and price range are as energy efficient or conveniently maintained as you will see by the list of features provided below.

Extras and Upgrades include: [Read more…]

The Road To Home Ownership

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A Guide to the Home-Buying Process

The Road To Home Ownership

The road to home ownership can be bumpy and buying a home can also be so very exciting. The excitement can often swerve you off the road to home ownership though. There is a process to it and a realtor is there to help keep you on that road. There aren’t many realtors, like myself, who have chosen to specialize working with buyers only. I have dedicated over 10 years to buyers alone and now I limit myself to how many sellers I work with so I can still focus on the needs of home buyers.

This road map below helps outline what you can expect. [Read more…]

Why Buy A Home In Casa Grande, Arizona?

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 Why Is A Home In Casa Grande, Arizona so desirable?

Location:

At an elevation of about 1395 feet, Casa Grande is strategically located at the intersection of two major interstates, I-8 and I-10. It’s just 45 minutes south of the Phoenix Airport and an hour north of Tucson. Running through Casa Grande, the Union Pacific Railroad’s mainline is like an interstate to the world as it runs goods that get shipped to Asia. All of which is an economic developer’s dream.

A home in Casa Grande is part of a smaller community where housing is more affordable than the two bigger cities it sits between. With a population of over 50,000 in 2013, the previously known as “bedroom community” is growing fast. We now have a Westcor shopping center, The Promenade Mall, Sam’s club and plenty of grocery and retail store options. Chandler is only about a 30 minute drive if you enjoy shopping in the big city.

Weather:

Our warm season runs from the end of May through late September with an average high of 96°F and average low of about 76°F. On average, July is our warmest month around 107°F for the high and December is the coolest month around 68°F for the high.

Housing Market Information:

Over 50% of Casa Grande’s housing was built since 2000, making the city’s housing and real estate some of the newest in all of America. A home in Casa Grande has a newer feeling and fresh first impressions. Home construction continues to get more energy efficient so, if you like the amenities of newer homes, you will probably like what Casa Grande has to offer.

Despite the nationwide downward spiral of the housing market, Casa Grande home appreciation rates continue to be some of the highest in America and about 70% higher than any other city or town in the state of Arizona. Get More Specific Figures.

As you get to know Casa Grande, Arizona, check out the Buyer’s Advisory and Market Insider as well as the following resources. [Read more…]

Historic Ground-Breaking of PhoenixMart – Thousands Of American Jobs Coming Soon

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Ground-Breaking of PhoenixMart ad future 9,000+ JobsBy Jennifer Srock 

“PhoenixMart will help American businesses to grow and expand in this very competitive global marketplace. The build-out of the project alone will make a significant contribution to the American economy” says the former U.S. Secretary of Labor, Elaine Lan Chao.  Over 9,000 Americans jobs will be created out of this project with many of those jobs located right here in Arizona. So, if you’ve been wanting to move to Arizona but needed to find a job here first, this may be your opportunity.  [Read more…]

Preferred Partners For The Casa Grande, Arizona

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By Jennifer Srock

A/C Repair

Desert Sun Heating & Cooling 520-466-1489

Henry Tyler 520-414-7433

Hoffman A/C & Furnace 520-723-2860

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Carpet Cleaning

The Cleaning Crew 520-426-9443

Five Star Carpet Cleaning 520-836-2152

[Read more…]

Ground IS Breaking For PhoenixMart November 7th, 2013

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Ground IS Breaking For PhoenixMart November 7th, 2013Ground IS Breaking For PhoenixMart November 7th, 2013

Do you believe it? The Phoenixmart ground-breaking event, some of us have been waiting for, is here.  This ceremonial ground-breaking will bring together federal delegates and business leaders from the U.S. and abroad to celebrate the first U.S. global commerce center in the western hemisphere. I feel privileged that my hometown of Casa Grande, Arizona is the final destination chosen for this first-class world-wide showcase venue.  As a realtor, I look forward to the employment opportunities and community growth. I too will be there to celebrate.

DIRECTIONS FROM PHOENIX –

  • TAKE I-10 SOUTH TO EXIT 194 E. FLORENCE BLVD.
  • HEAD EAST FOR ABOUT 2.5 MILES. YOU WILL SEE TENTS.

ALLOW AT LEAST 1.5 HOURS FOR EXTRA TRAFFIC FOR THIS EVENT.

EVENT TIME STARTS AT 9:30 am This Thursday Nov. 7th

SPEAKERS/ INTERVIEW OPPORTUNITIES:

• Jeremy Schoenfelder, President of PhoenixMart

• Elaine Chao, 24th Secretary of Labor of the United States

• U.S. Rep. Ann Kirkpatrick, Arizona 1st Congressional District

• U.S. Rep. Paul Gosar, Arizona 4th Congressional District

• Bob Jackson, Mayor of Casa Grande, Ariz.

 

10 Tips For Buying After a Foreclosure or Short Sale

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By Jennifer Srock

  1. Maintain employment and avoid any gaps between jobs. You will need to show current employment of 24 consecutive months within the time of your purchase.
  2. Make sure all of your debts are paid on time with no late payments for at least 24 months.
  3. Pay all debts down to 30% or less of the max limit.
  4. Pay off all collections, liens, and judgments.
  5. Clear off all disputes on your credit.
  6. Do not establish new credit such as a new car loan or credit card for a department store or furniture store. Don’t try qualifying for any purchase on credit until after you have the keys to your new home.
  7. Maintain your positive credit history. Do not close any accounts in positive standing. 
  8. If paying rent, do not pay with cash. Pay on time with checks so you have documentation showing a viable rental history of paying in full on time.
  9. Save as much money as possible for your down payment and closing costs.
  10. Consider joining a credit monitoring service so you can track the improvement of your credit.

It is true that you may be able to qualify for a mortgage loan within 2 years of having a short sale on a loan other than FHA? [Read more…]

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