Scottsdale & Phoenix Real Estate Blog

Scottsdale & Phoenix real estate market trends, valuable news about, home prices, short sales, including foreclosure information in the Maricopa county plus much more. 

March 18, 2019

DC Ranch Homes For Sale | Want To Increase Your Family’s Wealth? Here’s How!

DC Ranch Homes For Sale | Want To Increase Your Family’s Wealth? Here’s How!

 

Did you know that in the DC Ranch community you'll find a variety of architectural home-styles from single family, attached, luxury rentals, custom homes and home sites.    

DC Ranch has slowly transformed over the last few years. DC Ranch is connected by miles of winding paths and trails that take you anywhere on the ranch including the community center, private golf course and country club, retail site, schools and much more. All neighborhoods are connected by a system of paths and trails which allow you to go virtually anywhere in the community without crossing a major street.   

If you are looking just for the right property in DC Ranch today, I would be happy to consult with you and bring you my experience and expertise in the DC Ranch Community to help you make the right the decision    

Today I would like to speak to you about Want To Increase Your Family’s Wealth? Here’s How!

 

Everyone should realize that unless you are living somewhere rent-free, you are paying a mortgage – either yours or your landlord’s. Buying your own home provides you with a form of ‘forced savings’ that allows you to use your monthly housing costs to increase your family’s wealth.

Every month that you pay your mortgage, you are paying off a portion of the debt that you took on to purchase your home. Therefore, you own a little bit more of your home every month in the form of home equity. As your home’s value increases, you also gain home equity.

Every quarter, Pulsenomics surveys a nationwide panel of over 100 economists, real estate experts, and investment and market strategists. They are asked to project how residential home prices will appreciate over the next five years for their Home Price Expectation Survey (HPES).

The latest data from their Q1 2019 Survey revealed that home prices are expected to round out the year 4.3% higher than they were in January. For the next 5 years, home values will appreciate by an average of 3.21% a year.

 

This is great news for homeowners!

For example, let’s assume a young couple purchased and closed on a $250,000 home in January of this year. Simply through their home appreciating in value, those homeowners can build their home equity by over $40,000 over the next five years.

Let’s look at the potential equity gained over the same period of time at some higher price points:

In many cases, home equity is a large portion of a family’s overall net worth.

 

Bottom Line

Whether it’s your first or your fifth, if your plan for this year includes buying a home, let’s get together to help you understand where prices are headed in our area.

 

Source.. KCM Ryan Ney Blog

 

See something that interests you around La Strada in DC Ranch? 

How about Ironwood Village, Pima Acres and Sera Brisa. . we can guide you through the area and then find the best properties available for sale. We also have more information about Windgate Ranch.

Need help? Contact Us anytime to schedule a private showing for any property in DC Ranch. Or search our website www.realscottsdalehomes.com to find more information on the community of DC Ranch and all Scottsdale area real estate. 

Ryan Ney Real Estate 

of My Home Group

DC Ranch Specialist 

Ph: (480) 332–5659

 

 

Posted in Dc Ranch
March 11, 2019

Scottsdale New Construction | 4 Reasons to Buy a Home in the Spring

Scottsdale New Construction | 4 Reasons to Buy a Home in the Spring

 

The process of buying a brand new home in Scottsdale Arizona takes place over a long period of time and in several stages. Whether you are choosing a new house in a Scottsdale neighborhood or prefer a custom home built by a home-builder, the most important step is to make a decision who you want representing you to make an intelligent choice.  

You'll need guidance to find all the options available in the area from “ALL” available home-builders. You'll need to take some time deciding on your priorities — what you want in a home? where you want to live? and how much you want to spend?  

This is the reason my services consist on exploring what's currently available among the properties that builders need to sell. I bring you the options of what is currently available from “ALL” the builders (not just one), what will be released and available soon?…what are the best builder incentives..etc.   

Whether you are new to the new construction real estate market in Scottsdale or you are just relocating to this area…I have the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.  

Today, I would like to talk to you about 4 Reasons to Buy a Home in the Spring

 

Spring has sprung, and it’s a great time to buy a home! Here are four reasons to consider buying today instead of waiting.

 

1. Prices Will Continue to Rise

CoreLogic’s latest U.S. Home Price Insights reports that home prices have appreciated by 4.4% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 4.6% over the next year.

Home values will continue to appreciate for years. Waiting no longer makes sense.

 

2. Mortgage Interest Rates Are Projected to Increase

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year fixed rate mortgage came in at 4.41% last week. Most experts predict that rates will rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac, and the National Association of Realtors are in unison, projecting rates will increase by this time next year.

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

 

3. Either Way, You Are Paying a Mortgage

Some renters have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

Are you ready to put your housing cost to work for you?

 

4. It’s Time to Move On with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

But what if they weren’t? Would you wait?

Examine the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, greater safety for your family, or you just want to have control over renovations, now could be the time to buy.

 

Bottom Line

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

 

Source.. KCM Ryan Ney Blog

 

I am always available to offer you personal, one-on-one help with what some say is the biggest decision you will make in your life. If you have any questions, please don't hesitate to call Ryan M. Ney @ 480–332–5659 

Start searching for new construction homes in Scottsdale Arizona HERE*

 

 

March 4, 2019

Scottsdale Homes For Sale | The Housing Market Will “Spring Forward” This Year!

Scottsdale Homes For Sale | The Housing Market Will “Spring Forward” This Year!

 

So, you find yourself looking for a real estate agent as you are ready to buy a home, sell a home or perhaps both…  

When it comes to Scottsdale Real Estate and the vast amount of choices offered from many venues. It is wise to take your time and take your home search seriously     

Did you know that the real estate agent you choose could make or break things for you? Did you also know that the professional that you choose to help you during the process of buying or selling your next home should be done with caution or it could cost you thousands of dollars?     

I offer my services in the Scottsdale Real Estate to the public because I excel in my ability to understand your needs, translate them into reality and to do so with the minimum of angst ...and for that reason, I believe I’m the right person for you.     

Today, I want to address something that may be very important to you, it is about The Housing Market Will “Spring Forward” This Year!

 

Just like our clocks this weekend, in the majority of the country, the housing market will soon “spring forward!” Similar to tension in a spring, the lack of inventory available for sale has been holding back the market.

Many potential sellers believe that waiting until Spring is in their best interest. Traditionally, they would have been right.

Buyer demand has seasonality to it. Usually, this falls off in the winter months, especially in areas of the country impacted by arctic conditions.

 

That hasn’t happened this year.

Demand for housing has remained strong as mortgage rates have remained near historic lows. Even with an increase in rates forecasted for 2019, buyers are still able to lock in an affordable monthly payment. Buyers are increasingly jumping off the fence and into the market to secure a lower rate.

The National Association of Realtors (NAR) recently reported that in 2018 the top 10 dates sellers listed their homes all fell in April, May, or June.

Those who act quickly and list now, before a flood of increased competition, will benefit from additional exposure to buyers.

 

Bottom Line

If you are planning on selling your home in 2019, let’s get together to evaluate the opportunities in our market.

 

Source.. KCM Ryan Ney Blog

 

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. 

If you are moving to the Scottsdale area, I can assist you in collecting the information you need, and make your transition as smooth as possible. Feel free to contact me for any information. I love to assist people in relocating, and I’ve helped many people move to my area!   

Whether you are new to the market, thinking of moving up, or even an experienced investor, I have the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.   

From Golf Course properties, Gated Communities, Homes with pools, Horse properties and new construction, Give me a call and let's get started    

Call Ryan now at 480–332–5659

 

 

Feb. 25, 2019

DC Ranch Homes For Sale | How Can I Increase My Family’s Net Worth?

DC Ranch Homes For Sale | How Can I Increase My Family’s Net Worth?

 

Did you know that in the DC Ranch community you'll find a variety of architectural home-styles from single family, attached, luxury rentals, custom homes and home sites.    

DC Ranch has slowly transformed over the last few years. DC Ranch is connected by miles of winding paths and trails that take you anywhere on the ranch including the community center, private golf course and country club, retail site, schools and much more. All neighborhoods are connected by a system of paths and trails which allow you to go virtually anywhere in the community without crossing a major street.   

If you are looking just for the right property in DC Ranch today, I would be happy to consult with you and bring you my experience and expertise in the DC Ranch Community to help you make the right the decision    

Today I would like to speak to you about How Can I Increase My Family’s Net Worth?

 

Every three years, the Federal Reserve conducts their Survey of Consumer Finances. Data is collected across all economic and social groups. The latest survey data covers 2013-2016.

The study revealed that the median net worth of a homeowner is $231,400 – a 15% increase since 2013. At the same time, the median net worth of renters decreased by 5% ($5,200 today compared to $5,500 in 2013).

These numbers reveal that the net worth of a homeowner is over 44 times greater than that of a renter.

 

Owning a home is a great way to build family wealth.

As we’ve said before, simply put, homeownership is a form of ‘forced savings.’ Every time you pay your mortgage, you are contributing to your net worth by increasing the equity in your home.

That is why Gallup reported that Americans picked real estate as the best long-term investment for the fifth year in a row. According to this year’s results, 34% of Americans chose real estate. Stocks followed at 26%, and then gold, savings accounts/CDs, or bonds.

 

Bottom Line

If you want to find out how you can use your monthly housing cost to increase your family’s wealth, let’s get together to guide you through the process.

 

Source.. KCM Ryan Ney Blog

 

See something that interests you around La Strada in DC Ranch? 

How about Ironwood Village, Pima Acres and Sera Brisa. . we can guide you through the area and then find the best properties available for sale. We also have more information about Windgate Ranch.

Need help? Contact Us anytime to schedule a private showing for any property in DC Ranch. Or search our website www.realscottsdalehomes.com to find more information on the community of DC Ranch and all Scottsdale area real estate. 

Ryan Ney Real Estate 

of My Home Group

DC Ranch Specialist 

Ph: (480) 332–5659

 

 

Posted in Dc Ranch
Feb. 18, 2019

Scottsdale New Construction | Millionaire To Millennials: Don’t Get Stuck Renting A Home… Buy One!

Scottsdale New Construction | Millionaire To Millennials: Don’t Get Stuck Renting A Home… Buy One!

 

The process of buying a brand new home in Scottsdale Arizona takes place over a long period of time and in several stages. Whether you are choosing a new house in a Scottsdale neighborhood or prefer a custom home built by a home-builder, the most important step is to make a decision who you want representing you to make an intelligent choice.  

You'll need guidance to find all the options available in the area from “ALL” available home-builders. You'll need to take some time deciding on your priorities — what you want in a home? where you want to live? and how much you want to spend?  

This is the reason my services consist on exploring what's currently available among the properties that builders need to sell. I bring you the options of what is currently available from “ALL” the builders (not just one), what will be released and available soon?…what are the best builder incentives..etc.   

Whether you are new to the new construction real estate market in Scottsdale or you are just relocating to this area…I have the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.  

Today, I would like to talk to you about Millionaire To Millennials: Don’t Get Stuck Renting A Home… Buy One!

 

In a CNBC article, self-made millionaire David Bach explained that: “The biggest mistake millennials are making is not buying their first home.” He goes on to say that, “If you want to build real financial security, real wealth for your lifetime, then you need to buy a home.”

Bach went on to explain:

“Homeowners are worth 40 times more than renters. Now, that first home doesn’t need to be a dream home, it can be a very small home. You might literally have to buy a small studio apartment, but that’s how you get started.”

Then he explains the secret to buying that home!

“Don’t do a 30-year mortgage. You want to take that 30-year mortgage and instead pay it off early, do a 15-year mortgage. What happens if you do a 15-year mortgage? Well, one, you pay the mortgage off 15-years sooner, that means you’ll be able to retire in your fifties. Number two, you’ll save a fortune (on potentially hundreds of thousands of dollars in interest payments).”

What will it cost to pay your mortgage in fifteen years? He explains further:

“For fifteen years, you got to brownbag your lunch. Think about that! Brownbag your lunch literally for fifteen years. You can retire ten years sooner than your friends. You’ll have real wealth, because you bought a home – you’re not a renter. And you’ll be financially secure for life.”

 

Bottom Line

Whenever a well-respected millionaire gives investment advice, people usually clamor to hear it. This millionaire gave simple advice – if you don’t yet live in your own home, go buy one.

 

Who is David Bach?

Bach is a self-made millionaire who has written nine consecutive New York Times bestsellers. His book, “The Automatic Millionaire,” spent 31 weeks on the New York Times bestseller list. He is one of the only business authors in history to have four books simultaneously on the New York Times, Wall Street Journal, BusinessWeek and USA Today bestseller lists.

He has been a contributor to NBC’s Today Show, appearing more than 100 times, as well as a regular on ABC, CBS, Fox, CNBC, CNN, Yahoo, The View, and PBS. He has also been profiled in many major publications, including the New York Times, BusinessWeek, USA Today, People, Reader’s Digest, Time, Financial Times, Washington Post, the Wall Street Journal, Working Woman, Glamour, Family Circle, Redbook, Huffington Post, Business Insider, Investors’ Business Daily, and Forbes.

 

Source.. KCM Ryan Ney Blog

 

I am always available to offer you personal, one-on-one help with what some say is the biggest decision you will make in your life. If you have any questions, please don't hesitate to call Ryan M. Ney @ 480–332–5659 

Start searching for new construction homes in Scottsdale Arizona HERE*

 

 

Feb. 11, 2019

Scottsdale Homes For Sale | Thinking of Selling Your House? This is a Perfect Time!

Scottsdale Homes For Sale | Thinking of Selling Your House? This is a Perfect Time!

 

So, you find yourself looking for a real estate agent as you are ready to buy a home, sell a home or perhaps both…  

When it comes to Scottsdale Real Estate and the vast amount of choices offered from many venues. It is wise to take your time and take your home search seriously     

Did you know that the real estate agent you choose could make or break things for you? Did you also know that the professional that you choose to help you during the process of buying or selling your next home should be done with caution or it could cost you thousands of dollars?     

I offer my services in the Scottsdale Real Estate to the public because I excel in my ability to understand your needs, translate them into reality and to do so with the minimum of angst ...and for that reason, I believe I’m the right person for you.     

Today, I want to address something that may be very important to you, it is about Thinking of Selling Your House? This is a Perfect Time!

 

It is common knowledge that a great number of homes sell during the spring buying season. For that reason, many homeowners hold off putting their homes on the market until then. The question is whether or not that is a good strategy this year.

The other listings that come out in the spring will represent increased competition to any seller. Do a greater number of homes actually come to the market during this season in comparison to the rest of the year? The National Association of Realtors (NAR) recently revealed the months during which most people listed their homes for sale in 2018. This graphic shows the results:

The three months in the second quarter of the year (represented in red) are consistently the most popular months for sellers to list their homes on the market. Last year, the number of homes available for sale in January was 1,520,000.

 

That number spiked to 1,870,000 by May!

What does this mean to you?

With the national job situation improving and mortgage interest rates projected to rise later in the year, buyers are not waiting until the spring; they are out looking for homes right now.

 

Bottom Line

If you are looking to sell this year, waiting until the spring to list your home means you will have the greatest competition amongst buyers. Beat the rush of housing inventory that will enter the market and list your home today!

 

Source.. KCM Ryan Ney Blog

 

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. 

If you are moving to the Scottsdale area, I can assist you in collecting the information you need, and make your transition as smooth as possible. Feel free to contact me for any information. I love to assist people in relocating, and I’ve helped many people move to my area!   

Whether you are new to the market, thinking of moving up, or even an experienced investor, I have the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.   

From Golf Course properties, Gated Communities, Homes with pools, Horse properties and new construction, Give me a call and let's get started    

Call Ryan now at 480–332–5659

 

 

Feb. 4, 2019

DC Ranch Homes For Sale | Whose Mortgage Do You Want to Pay? Yours or Your Landlord’s?

DC Ranch Homes For Sale | Whose Mortgage Do You Want to Pay? Yours or Your Landlord’s?

 

Did you know that in the DC Ranch community you'll find a variety of architectural home-styles from single family, attached, luxury rentals, custom homes and home sites.    

DC Ranch has slowly transformed over the last few years. DC Ranch is connected by miles of winding paths and trails that take you anywhere on the ranch including the community center, private golf course and country club, retail site, schools and much more. All neighborhoods are connected by a system of paths and trails which allow you to go virtually anywhere in the community without crossing a major street.   

If you are looking just for the right property in DC Ranch today, I would be happy to consult with you and bring you my experience and expertise in the DC Ranch Community to help you make the right the decision    

Today I would like to speak to you about Whose Mortgage Do You Want to Pay? Yours or Your Landlord’s?

 

There are some people who haven’t purchased homes because they are uncomfortable taking on the obligation of a mortgage. However, everyone should realize that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As Entrepreneur Magazine, a premier source for small business explained in their article, “12 Practical Steps to Getting Rich”:

“While renting on a temporary basis isn’t terrible, you should most certainly own the roof over your head if you’re serious about your finances. It won’t make you rich overnight, but by renting, you’re paying someone else’s mortgage. In effect, you’re making someone else rich.”

With home prices rising, many renters are concerned about their house-buying power. Mike Fratantoni, Chief Economist at MBA, explained:

“The spring homebuying season is almost upon us, and if rates stay lower, inventory continues to grow, and the job market maintains its strength, we do expect to see a solid spring market.”

As an owner, your mortgage payment is a form of ‘forced savings,’ which allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person building that equity.

As mentioned before, interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were at 4.46% last week.

 

Bottom Line

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy.

 

Source.. KCM Ryan Ney Blog

 

See something that interests you around La Strada in DC Ranch? 

How about Ironwood Village, Pima Acres and Sera Brisa. . we can guide you through the area and then find the best properties available for sale. We also have more information about Windgate Ranch.

Need help? Contact Us anytime to schedule a private showing for any property in DC Ranch. Or search our website www.realscottsdalehomes.com to find more information on the community of DC Ranch and all Scottsdale area real estate. 

Ryan Ney Real Estate 

of My Home Group

DC Ranch Specialist 

Ph: (480) 332–5659

 

 

Posted in Dc Ranch
Jan. 28, 2019

Scottsdale New Construction | Why It Makes No Sense to Wait for Spring to Sell

Scottsdale New Construction | Why It Makes No Sense to Wait for Spring to Sell

 

The process of buying a brand new home in Scottsdale Arizona takes place over a long period of time and in several stages. Whether you are choosing a new house in a Scottsdale neighborhood or prefer a custom home built by a home-builder, the most important step is to make a decision who you want representing you to make an intelligent choice.  

You'll need guidance to find all the options available in the area from “ALL” available home-builders. You'll need to take some time deciding on your priorities — what you want in a home? where you want to live? and how much you want to spend?  

This is the reason my services consist on exploring what's currently available among the properties that builders need to sell. I bring you the options of what is currently available from “ALL” the builders (not just one), what will be released and available soon?…what are the best builder incentives..etc.   

Whether you are new to the new construction real estate market in Scottsdale or you are just relocating to this area…I have the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.  

Today, I would like to talk to you about  Why It Makes No Sense to Wait for Spring to Sell

 

The price of any item (including residential real estate) is determined by the theory of ‘supply and demand.’ If many people are looking to buy an item and the supply of that item is limited, the price of that item increases.

The supply of homes for sale dramatically increases every spring, according to the National Association of Realtors (NAR). As an example, here is what happened to housing inventory at the beginning of 2018:

Putting your home on the market now, rather than waiting for increased competition in the spring, might make a lot of sense.

 

Bottom Line

Buyers in the market during the winter are truly motivated purchasers and they want to buy now. With limited inventory currently available in most markets, sellers are in a great position to negotiate.

 

Source.. KCM Ryan Ney Blog

 

I am always available to offer you personal, one-on-one help with what some say is the biggest decision you will make in your life. If you have any questions, please don't hesitate to call Ryan M. Ney @ 480–332–5659 

Start searching for new construction homes in Scottsdale Arizona HERE*

 

 

Jan. 21, 2019

Scottsdale Homes For Sale | The Difference Having a Professional on Your Side Makes

Scottsdale Homes For Sale | The Difference Having a Professional on Your Side Makes

 

So, you find yourself looking for a real estate agent as you are ready to buy a home, sell a home or perhaps both…  

When it comes to Scottsdale Real Estate and the vast amount of choices offered from many venues. It is wise to take your time and take your home search seriously     

Did you know that the real estate agent you choose could make or break things for you? Did you also know that the professional that you choose to help you during the process of buying or selling your next home should be done with caution or it could cost you thousands of dollars?     

I offer my services in the Scottsdale Real Estate to the public because I excel in my ability to understand your needs, translate them into reality and to do so with the minimum of angst ...and for that reason, I believe I’m the right person for you.     

Today, I want to address something that may be very important to you, it is about The Difference Having a Professional on Your Side Makes

 

In today’s fast-paced world, where answers are a Google search away, there are some who may wonder what the benefits of hiring a real estate professional to help them in their home search are. The truth is, with the addition of more information, comes more confusion.

Shows like Property Brothers, Fixer Upper and the dozens more on HGTV have given many a false sense of what it’s like to buy and sell a home.

Now more than ever, you need an expert on your side who is going to guide you toward your dreams and not let anything get in the way of achieving them. Buying and/or selling a home is definitely not something you want to DIY (Do It Yourself)!

 

Here are just some of the reasons you need a real estate professional in your corner:

There’s more to real estate than finding a house you like online!

There are over 230 possible steps that need to take place during every successful real estate transaction. Don’t you want someone who has been there before, someone who knows what these actions are, to ensure you achieve your dream?

 

 You Need a Skilled Negotiator

In today’s market, hiring a talented negotiator could save you thousands, perhaps tens of thousands of dollars. Each step of the way – from the original offer, to the possible renegotiation of that offer after a home inspection, to the possible cancellation of the deal based on a troubled appraisal – you need someone who can keep the deal together until it closes.

 

What is the home you’re buying or selling worth in today’s market?

There is so much information out there on the news and on the internet about home sales, prices, and mortgage rates; how do you know what’s going on specifically in your area? Who do you turn to in order to competitively and correctly price your home at the beginning of the selling process? How do you know what to offer on your dream home without paying too much, or offending the seller with a lowball offer?

 

Dave Ramsey, the financial guru, advises:

“When getting help with money, whether it’s insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman.”

Hiring an agent who has his or her finger on the pulse of the market will make your buying or selling experience an educated one. You need someone who is going to tell you the truth, not just what they think you want to hear.

 

Bottom Line

Today’s real estate market is highly competitive. Having a professional who’s been there before to guide you through the process is a simple step that will give you a huge advantage!

 

Source.. KCM Ryan Ney Blog

 

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. 

If you are moving to the Scottsdale area, I can assist you in collecting the information you need, and make your transition as smooth as possible. Feel free to contact me for any information. I love to assist people in relocating, and I’ve helped many people move to my area!   

Whether you are new to the market, thinking of moving up, or even an experienced investor, I have the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.   

From Golf Course properties, Gated Communities, Homes with pools, Horse properties and new construction, Give me a call and let's get started    

Call Ryan now at 480–332–5659

 

 

 

Jan. 14, 2019

DC Ranch Homes For Sale | Buying a House This Year? This Should Be Your 1st Step!

DC Ranch Homes For Sale | Buying a House This Year? This Should Be Your 1st Step!

 

Did you know that in the DC Ranch community you'll find a variety of architectural home-styles from single family, attached, luxury rentals, custom homes and home sites.    

DC Ranch has slowly transformed over the last few years. DC Ranch is connected by miles of winding paths and trails that take you anywhere on the ranch including the community center, private golf course and country club, retail site, schools and much more. All neighborhoods are connected by a system of paths and trails which allow you to go virtually anywhere in the community without crossing a major street.   

If you are looking just for the right property in DC Ranch today, I would be happy to consult with you and bring you my experience and expertise in the DC Ranch Community to help you make the right the decision    

Today I would like to speak to you about Buying a House This Year? This Should Be Your 1st Step!

 

In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show that you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.

Even if you are not in an incredibly competitive market, understanding your budget will give you the confidence of knowing whether or not your dream home is within your reach.

Freddie Mac lays out the advantages of pre-approval in the ‘My Home’ section of their website:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you through this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.”

Freddie Mac describes the ‘4 Cs’ that help determine the amount you will be qualified to borrow:

 

1.- Capacity: Your current and future ability to make your payments

2.- Capital or cash reserves: The money, savings, and investments you have that can be sold quickly for     cash

3.- Collateral: The home, or type of home, that you would like to purchase

4.- Credit: Your history of paying bills and other debts on time

 

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.

 

Bottom Line

Many potential homebuyers overestimate the down payment and credit scores necessary to qualify for a mortgage. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so today.

 

Source.. KCM Ryan Ney Blog

 

See something that interests you around La Strada in DC Ranch? 

How about Ironwood Village, Pima Acres and Sera Brisa. . we can guide you through the area and then find the best properties available for sale. We also have more information about Windgate Ranch.

Need help? Contact Us anytime to schedule a private showing for any property in DC Ranch. Or search our website www.realscottsdalehomes.com to find more information on the community of DC Ranch and all Scottsdale area real estate. 

Ryan Ney Real Estate 

of My Home Group

DC Ranch Specialist 

Ph: (480) 332–5659

 

 

 

 

Posted in Dc Ranch