Less Than Perfect Credit Loan Program for purchasing a home considers a 620 FICO score or less! It's called the FHA Advantage Loan Program. There are (of course) certain requirements for the loan which include 3.5% down payment, 43% income/debt ratio. Certain things are allowed under the loan such as a bankruptcy that is 2+ years ago, medical collection accounts, certain other collection accounts, charge offs, 30 days late, no credit, and a low credit score!
So image, getting a loan with less than perfect credit, and utilizing the $8,000 homebuyer tax credit extension! Call today for more information on the Less Than Perfect Credit Loan Program.
Lending for Canadian Home Buyers in US is here with some lenders! Currently, one lender we work with has a loan for Canadian Home Buyers purchasing a second home. The maximum loan amount is $417,000. Requirements and documentation include 30% down payment with 6 months reserve in a US bank prior to closing. Canadian Home Buyers must have 24 months of credit history, and a credit report containing four trade lines with a minimum 700 FICO score. This is a fixed loan and Canadian Home Buyers cannot already own property in the US.
Lending for Canadian Home Buyers in US is here, so contact us today for more information!
Arizona Loan Program Your Way Home is a program through the Arizona Department of Housing (ADOH). Its a great program if you are buying a qualifying home in Arizona and plan to live in this home for at least 5 years or more. The longer you live in the home (10 to 15 years), the better the loan works for you.
Basically the Arizona Loan Program Your Way Home works like this: You find a qualifying home in Arizona (bank owned homes qualify). You are given what is called a "silent second mortage". There is no monthly payment and no interest on this silent second mortage. Depending on the time you plan to stay in the home 5 to 15 or more years, you get up to 22% purchase assistance (which is the silent second mortgage). If you stay in the home the qualifying time (5 to 15 or more years), then the second mortgage is completely forgiven. If you sell the home prior to that, the second mortgage becomes active and you will have to pay it off at the rate and terms agreed upon.
Can you imagine? The Arizona Loan Program Your Way Home gives you 22% equity automatically as long as you live in the home the required timeframe! How can you beat that?
Anthem at Merrill Ranch Florence, Arizona Has New Homes at Great Prices such as the 2 bedroom 2 bathroom and den Victory model, 1438 square feet for only $124,000! Plus as a first time homebuyer, there is the $8,000 tax credit extension that should be finalized soon. WOW! In addition, don't forget to ask us about how to get a FREE silent second mortgage!! Imagine getting 22% FREE equity in your new home!!
Anthem at Merrill Ranch Florence, Arizona Has New Homes at Great Prices! Contact us today for more information!!
Prepare Your Home to Sell in this tough market. There is more competition than ever and the thing people are looking for is price - lowest price. So our goal is to make the buyer see the value of our home over the "fixer upper". However, if you prepare your home to sell, it will stand out among the crowd - maybe make a buyer think twice about the cheaper "fixer upper".
So here are some tips to prepare your home to sell. Clean, clean and clean. This means from top to bottom and inside and out. A clean home is a sign of a well-maintained home. Remember curb appeal. The outside of your home is the first thing buyers will see. It has to draw them in or they will drive on past. Make sure your landscaping is well trimmed and remove any yard debris. Keep your lawn mowed. Check the outside of the home and entry door for peeling paint and repaint as necessary. Get a new entry rug to liven up the entry way. If you have a fence, inspect it to see if there are any repairs needed. Check the roof and spouting for any issues and repair them. Clean the windows until they shine! Wash the driveway and sidewalk to remove dirt and debris.
Prepare your home to sell inside by cleaning again. Put away all clutter. Remember clutter eats equity! Reduce the pieces of furniture if needed to make the rooms look bigger. Remove the TVs from the bedrooms! Take down any and all family pictures. You want buyers to see this as their home - not yours. A fresh coat of paint will spruce up any room! Shampoo carpets, wax floors, wash curtains and clean blinds. Don't forget to clean the windows inside too. When you prepare your home to sell, it should not looked lived in. It should make people ask "does someone really live here?"
 |
|
|
Real Estate Brokers Joyce & Terry Thomas are proud to service Arizona. Specializing in Short Sales, REO, Home Staging, Canadian Investors, First Time Homebuyers and more!
Trust in Thomas
The Thomas Team is the trusted name in real estate. Joyce & Terry Thomas have a strong philosophy regarding real estate. They believe that helping others help themselves is what helping people is all about. Joyce & Terry believe in having a relationship with their clients to help them reach their goal during their home buying or selling experience. They know you are embarking on an important decision - whether it's your first or fifth time buying or selling - and they are committed to help you along the way
Experience the Difference
Joyce & Terry didn't become top producers in real estate by following in the footsteps of someone else. Rooted in family, innovation and results, The Thomas Team puts a spin on the familiar - by ensuring that your buying or selling experience is fun as well as successful. They focus on the trends in our industry and have the best tools and resources for marketing homes. They can provide you with the information, technology, and research that you demand as a savvy consumer. Sign up for a personalized My Real Living account to see how!
Philosophy
Part of Joyce & Terry's core values is to live by the "get by giving philosophy". They believe in helping people meet their goals. In doing so, they always make their client's number one goal their number one goal, working toward a common good.
Having grown up and lived in the Miami County area all their lives, The Thomas' are both very knowledgeable of the Miami Valley and surrounding areas. As a Residential Relocation Specialist, Joyce helps people relocating to the area feel comfortable and relaxed with their move.
Experience Success
In addition, Real Living Realty Services offers the most innovative tools for home buyers and home sellers such as Real Deals, Real Finder, My Real Living 2.0, a user friendly website and voted Innovator of the Year in 2005 by Inman News. Buyers can know what's for sale faster with Real Living. Seller's homes appear on RealLiving.com before the MLS (multiple listing services) or Realtor.com.
Work with Joyce or Terry and find out why they are leaders in the real estate profession. With sales achievements, negotiation skill, and attention to detail and commitment, they provide you with an enjoyable - and Real - buying or selling experience. You can trust the Thomas' to help you sell or buy your next home.
To experience how The Thomas Team is different, contact Joyce or Terry today at 937-623-9468 or 480-620-5586 or E-mail thomas@thomasteam.info.
Home Staging
Did you know that "Staged" homes typically sell faster and for more money? Statistics show that Staged homes sell for 6.9% more than non-staged homes and with 50% less time on the market. Want your home sold faster and for more money? As an Accredited Staging Professional (ASP), Joyce will give you the Staged Home Advantage.
Home Selling Facts:
Staged Homes sell for top dollar in any market
The investment of staging your home is less than your first price reduction
Buyers only know what they see - not what it's going to be
The way you live in your home and the way you sell your house are two different things
Staged Home - under contract in 10 days!
Removing clutter, adding the power of 3 and focusing on the room's purpose, made this master bedroom stand out to potential buyers.
This kitchen shows the functionality and not the personalization by showing only a few personal items. After neutralizing the room and adding accent color, the buyer's attention is drawn to the kitchen.
Again the power of 3 welcomes your eye into this staged dining room.
See How Staging Can Help You!!
Call Joyce Thomas today at 937-623-9468 for more information. There is no obligation.
What is an Accredited Staging Professional?
Why Choose The Thomas Team?
"Terry & Joyce Thomas were great! They provided us with an excellent marketing plan and realistic figures for listing our home. Our home sold within an incredible four days on the market. The closing process was so smooth due to in part excellent communication from our realtor to all the buyers' agents and vendors. To top it all off, we even used their personal moving truck to complete the process with only sweat and gas money out of our pockets. Will definitely use their services again!" - Derek & Amy, Troy
"We used Terry & Joyce Thomas to sell our home and to help us find our next home to move into. We highly recommend them as they were very comfortable to talk to and very informative. My husband and I are so happy with the turn out of selling our home and finding the home of our dreams! Terry and Joyce were always available if we had questions or concerns. I know that if my husband and I decide to move again, we will definitely call Terry and Joyce Thomas because we are so pleased with what a good job they have done for us. Thank you so much!" - Bret & Marla, West Milton
"Gran hombre y mujer! Muchas gracias!!" - Jose
"Joyce was so great! She answered all my questions and went above and beyond. I really appreciate everything Joyce did to help me during this exciting (but scary) process." - Lacey
"Joyce was very dependable and always willing to assist in any and all matters. She was friendly and honest. We found her online - and we just got lucky!" - Joe & Heather
"The difference between Joyce and other realtors is night and day!!" - Sandy
"You are wonderful! Thank you so much for helping us find our home!" Cassandra & Terry
"Joyce is knowledgable and honest. I would definitely use her again." Jeff
"I appreciate all your help. Your patience has been a blessing...Thanks again for all your effort - someone else might not have gone the extra mile like you did (to sell my home) and I truly appreciate it." Lori
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
Powered by the ActiveRain Real Estate Network
© 2009 ActiveRain Corp. All Rights Reserved
