Read About Laura B.
Also read:
Process of Buying a Historic Phoenix Home
Financially Preparing Yourself To Buy a Home
Top 10 things to know and to do when buying a home
Also read: "What You Can Expect From Laura B."
4 Critical Factors In Choosing A Phoenix Historic Homes Realtor
How to Buy a Historic Home
Additional articles below ...
Finding your new Historic Phoenix home or any Metro-Phoenix home can be an exciting and rewarding experience! As in all working relationships, trust and communication are crucial to a positive experience.
I will help you find the best home in your area within your price range. And, together we will sell your home if you need to, for as much as the market will bear, and, as quickly as possible.
Have to sell your home first?
Purchasing a home is, without a doubt, one of the biggest purchases, if not THE biggest purchase you will make throughout the course of your life whether you are a first-time homebuyer or an experienced homebuyer. When buying a historical home, it's important that you choose the right Realtor to guide you through the process. For starters, read my short article on 4 Critical Factors In Choosing A Phoenix Historic Homes Realtor.
Throughout the home buying process, there are a complex set of transactions involving many different people that need to be working in synergy in order for a smooth, timely, successful close of escrow.
Here is some information to help you get started in the purchase your new home. I always help my clients step-by-step, hands-on, throughout the entire process, something many Real Estate Agents do not do.
For starters, as your agent, I will represent YOUR interests exclusively throughout the process of selecting and purchasing a home. Although I will be representing you, the Seller's Agent pays my fees.
Here are just a few things you can expect from me:
~ Unlimited time and attention to your needs and wants
~ Integrity and ethics in dealing with you and others on your behalf
~ Disclosure to you of any information that might affect your decisions
~ Professionalism, education, knowledge and experience combined with one of the hardest-working people you'll ever meet!
~ Patience in educating you (if you desire and/or are a first-time home buyer) and easy-to-understand conversations.
~ Loyalty to you as a client
~ Confidentiality
~ Financial Education (a biggie)
Getting To Know You
Before looking at homes for sale, I would like to know more about you. What are your needs and preferences in a new home? What square footage? How many bedrooms? How many bathrooms? Do you have children, because if you do, school districts are important. Do you want to live near your work? What kind of community do you want to live in? The questions go on & on so, the more I know about what you'd like to find, the better I'll be able to help you.
Helping You to Get Pre-Qualified For A Quality Loan That Suits Your Needs
It's not uncommon for homebuyers to put the cart before the horse. There are a number of very important decisions that must be made before a homebuyer actually goes "home shopping."
It's best to complete the qualification process before home shopping whether it's with your favorite lender or mine. You will know exactly what you can afford and discover any problems early. The mortgage company will provide you with a Loan Status Report (LSR), which makes you a solid, qualified buyer in the eyes of home sellers and their Real Estate Agents.
One of the first things you must ask yourself when wanting to purchase a home is, "where do I need my monthly payments to be so I'm not a slave to my mortgage?" This is SO crucial. I have had so many clients approach me wanting to go shopping for a home before they've asked themselves that question.
It would do no one any justice to begin house hunting for a home that they cannot afford, or, would make them a slave to their payment. These are commonly the homeowners who end up in foreclosure or having other financial difficulties.
One of the things I take pride in is making sure that my clients can afford what they buy and still live a comfortable life. I have mastered the art of putting my clients into a house that they can call HOME!
Obtain a Good Faith Estimate
It can be somewhat difficult to compare interest rates between lenders. This is because paying fees can lower the rate. The "low rate" loan advertised in the newspaper or radio ad are usually loaded with fees. In order to make a fair comparison, be sure to ask for a written Good Faith Estimate from the lender. If you check with several lenders, do not allow credit checks to be done repeatedly. This is not good for your credit score.
If you choose to shop multiple lenders, have your credit pulled ONE TIME by a respected lender so you know your FICO score, get a copy, which you are entitled to, then call other lenders and say, "hey ... here's my FICO score. What can you do for me?" Again, I will guide you through this entire process and even DO IT FOR YOU if you so choose! Again, something most agents will not take the time to do.
As an investor and multiple property owner myself, I have done dozens of my own loans and am extremely experienced and knowledgeable in this arena.
Do You Need To Sell A Home Before Purchasing A New One?
This can be a very tricky factor in many markets and market times. Let's discuss how we can coordinate your home sale with your home purchase, even if the home you're selling is in another city. I can even help you find a reliable Real Estate agent in your city.
I can help you in the preparation and marketing of your home for sale if it is in the Phoenix Metro area. See my Seller's Service section of this website. Wherever the location of the home you're selling, the goal is to have a dual closing. This can become complex and there is an art in doing it successfully. Again, I'll hold your hand through the entire process and oversee every single process, every single detail and every single person involved while communicating effectively and in a simplistic, easy-to-understand manner with you.
If you Prefer to Sell Your Home AFTER the Purchase of Your New Home
Many homebuyers prefer to do this. There are multiple ways of making this happen without eating a chunk of change from your pocketbook. There are various loans, and more importantly, FACTORS of that loan (such as pre-payment penalties vs. NO pre-payment penalties), which make this very possible and not complicating. Another reason why it is critical to speak with a good honest lender first and have a good, solid plan.
I have an incredible team of Lenders, Appraisers, Title & Escrow Officers which I've scoured the Valley of the Sun to find. They are no-nonsense people who are as ethical as they get in this business. It is by no means required that you use my resources, in fact, I encourage people to shop around and/or use who they are comfortable with. Like I said before, it's all about building relationships.
I hope you'll give me an opportunity to build a relationship with you. Please feel free to contact me directly at any time for any questions, guidance or assistance. My guarantee to you is this:
"If you don't like what I am doing for you, you can fire me! No holds barred and no hard feelings! I guarantee that you will like my services so much, I'm confident enough to say ... I guarantee me!"
Hope to hear from you soon. Laura Boyajian, A.K.A., "Laura B." Direct: 602.400.0008. email: HistoricCentralPhoenix@cox.net
Also read:
4 Critical Factors In Choosing A Phoenix Historic Homes Realtor
Adjustable-Rate Mortgages (ARMS)
10 Reasons Why You Should Move to Phoenix, Arizona
Also read "What You Can Expect From Laura B."
For More Articles, News & Stories, Go to My Historic Phoenix Blog
Top 10 things to know and to do when buying a home
How to Buy a Historic Home
Historic Central Phoenix District Home Search
