Phoenix Real Estate | Real Estate and MLS Search » Stephen Brooks http://www.phoenixpowersearch.com Real Estate Search and Area Information - Call Anytime! 1-888-897-7821 Thu, 10 May 2012 19:47:54 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 Buy homes in Glendale Arizona with 1% down with the Lending Tree http://www.phoenixpowersearch.com/2011/11/buy-homes-in-glendale-arizona-with-1-down-with-the-lending-tree/ http://www.phoenixpowersearch.com/2011/11/buy-homes-in-glendale-arizona-with-1-down-with-the-lending-tree/#comments Fri, 18 Nov 2011 16:29:35 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6872 homes in glendale Homes for sale in Glendale

If your looking to purchase homes in Glendale Arizona. Better yet any home here in the valley of the sun. The Lending Tree has a loan which gives you 2.5% to help with your purchase if you qualify.

This is on an FHA  loan, so that means you’ll just need to come up with 1%. The FHA limit on single family homes in metropolitan  Phoenix area is $271,050. This means that all you’d need is $2710.50 for your down payment. Let me tell you there are a lot of beautiful you can find out here at this price and lower.

With FHA some lenders go as low as 580 credit score. With VA you can buy with zero down . There are some homes for sale in Glendale, but they move fast.You can find foreclosed homes and get some great deals.

If you want a list of these homes just let us know and we’ll gladly supply for you. Most people(not you) believe that the home prices will get lower. This could be true, but being a licensed realtor that is in the field daily I don’t think so.

Looking for houses

There is a shortage of homes listed in the market for sale. This means that it’s a sellers market again. You missed the boat to purchase  homes in Glendale Arizona and some cities in the valley for 20% below the asking price. If you are looking for  houses like this. Where you can offer this far less then the asking price you need to look at half a  million dollar and up homes.

Even tho it’s a sellers market with the interest rates still at all time lows. The 1% down loan the lending is offering buying a home now is still cheaper than paying rent. You can still have the american dream and become a homeowner. If you need a  house for rent in Glendale AZ. The Brooks Team of AZ can help you with this.

But we would really like to help you become a homeowner. We are in the people helping business and will always do whats best for you the renters, buyers and sellers. We will go the extra mile to make which ever transaction smooth and we’ll keep you informed and updated with the process flow.

Glendale Realtors

homes in glendale

If you like horse properties or Luxury listings or just a nice home in a nice area. Looking at  homes in Glendale Arizona should be on your list. With the shopping  on Bell Road and at Arrowhead mall you’ll fall in love with the area.

Most homes in Arrowhead will qualify for the 1% down payment program offered by the Lending Tree. Glendale Arizona real estate has a lot of options to choose from. Darlene(my wife) and I know the area well after being residents for 6 years.

We love the area and are sure you would also.  We would love to here from other Glendale Arizona residents and are always available to sell your home when needed. And also if you’re looking to buy homes in Glendale Arizona give us a call we’ll take good care of you.

Stephen W. Brooks

Realtor

eXp Realty

623-202-3833

steve.brooks@phoenixpowersearch.com

PS: If you want to know more about the 1% loan give us a call

 

]]> http://www.phoenixpowersearch.com/2011/11/buy-homes-in-glendale-arizona-with-1-down-with-the-lending-tree/feed/ 0 eXp ” The World’s First Fully Immersive Web 3.0 Real Estate Company” http://www.phoenixpowersearch.com/2011/09/exp-the-worlds-first-fully-immersive-web-3-0-real-estate-company/ http://www.phoenixpowersearch.com/2011/09/exp-the-worlds-first-fully-immersive-web-3-0-real-estate-company/#comments Thu, 08 Sep 2011 00:30:51 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6624 We joined eXp Realty, ” The World’s First Fully Immersive Web 3.0 Real Estate Company” in November of last year. This has been one of the best moves we have made concerning our real estate careers. Not only did we start receivingleads  via text to our cell phones, but thetraining and help has been outstanding. Every Monday we collaborate  at   X-Camp with Brokers and Agents from all 15 states we currently operate in. In this concept you can get some outstanding knowledge about the current and updated Real Estate information you must have in today’s market. From the owner Mr. Glen Sanford you can get a very detailed plan on how he exiled and came up with the vision to create eXp Realty.  At eXp Realty you don’t have to worry about eXp franchise or desk fees.

You hear alot about 100% commission but with all the junk fees you don’t see it. With eXp you get 80/20 Split with the Potential to Earn 100%+.  At eXp you With eXp, “the worlds first fully Immersive web 3.0 Real Estate Company” you get to take your office with you it’s online and is really a office. You haveto always be training to build your business and sometimes you miss the training that you need. All thetraining is recorded and accessible 24/7 to all agents. The state Broker here in Arizona Suzanne Fuqua  is the nicest broker we’ve had the pleasure to work with. She’s always willing to help and is concerned with helping you grow your business like the whole eXp family. The working the magic team will build you a state of the art website and show you how to use SEO to brand yourself as an expert. continue reading > http://thebrooksteamaz.com/?p=5663

]]> http://www.phoenixpowersearch.com/2011/09/exp-the-worlds-first-fully-immersive-web-3-0-real-estate-company/feed/ 0 ” Why Buying Is Cheaper Than Renting” http://www.phoenixpowersearch.com/2011/09/why-buying-is-cheaper-than-renting/ http://www.phoenixpowersearch.com/2011/09/why-buying-is-cheaper-than-renting/#comments Sun, 04 Sep 2011 01:23:27 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6603 We get lots of calls asking us to find homes for lease, this is not a problem but we always did they know “Why Buying Is Cheaper Than Renting”. Withinterest rates at historical lows and home half the price as they were now is the time to buy and not rent. I understand that some people can’t qualify for a mortgage at this time, but with all the programs available out there. Google the internet or talk with a mortgage lender and see if you can purchase a home, if you can’t qualify they’ll be glad to tell you what you need to do. We have shown and viewed lots of homes in the valley, east and west and lots of people think that prices are going lower. Well let me tell you they aren’t actually they are going up in certain pockets of metro Phoenix.There are still some great deals out there to be found but you’ll have to move fast, just like you’re looking for a deal so are many others. Before starting to look you should get qualified by a lender or if looking for an owner financing have the down payment of 10-20% . This way you are not window shopping and getting your hopes up only to have them and the home you like vanish. “Buying is cheaper than renting” in cost and it’s better to be paying off a home of your own rather than helping someone else. We have talked with people that had to sell their home on a shortsale or lost it to a foreclosure. These folks had a minor setback in life and are wanting to become homeowners again but know they have to wait. Then you have those that have no idea or knowledge on what to do to buy a home they listen to the media instead of checking themselves to see what steps they must take to become a homeowner. Having a home you can call your own where you can decorate and not worry about a landlord telling you what you can and can’t do is heaven. So when your lease is up remember ” Why Buying Is Cheaper Than Renting”. 

Stephen Brooks

eXp Realtor

steve.brooks@phoenixpowersearch.com

www.thebrooksteamaz.com

]]> http://www.phoenixpowersearch.com/2011/09/why-buying-is-cheaper-than-renting/feed/ 0 Is It Just Me Or Is the Metropolitan Phoenix Real Estate Market Is Changing http://www.phoenixpowersearch.com/2011/07/is-it-just-me-or-is-the-metropolitan-phoenix-real-estate-market-is-changing/ http://www.phoenixpowersearch.com/2011/07/is-it-just-me-or-is-the-metropolitan-phoenix-real-estate-market-is-changing/#comments Fri, 15 Jul 2011 05:38:26 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6401 Is it me or is the metropolitan Phoenix Real Estate market is changing for the better.  Lately we’ve been getting a lot of buyers trying to find a good deal on a home in the Metropolitan Phoenix area.  There are still some deals out there but they are going fast.  I tell people that it is a great time to buy because it is.  Homes are still cheaper than they were 3 years ago, and the interest rates are still very low.  Buying a home is cheaper than renting.  Most people think that it’s hard to get a home loan, but you won’t know if you can qualify for a loan if you don’t apply.  We have a list of lenders that will let you know what you must do to qualify for a loan to purchase a home.  We are even working with the Lending Company’s Jeff Thomas that is offering 2.5% gift funds that you can use on a FHA or VA loan.  That means that you would only have to come up with 1% with an FHA loan and VA is always zero down and only for veterans.  There are still a lot of pre-foreclosures and short sales out there which may be one of the market changes.  See a lot of people are staying away from these because of the time frame.  Which is driving buyers to lender owned properties, or the few owners with equity left that have decided to sell.  Like I said there are still some great deals out there in areas like Glendale, Surprise, Peoria, Litchfield Park, Sun City and other great northwest valley cities.  Avondale, Buckeye,Tolleson and Laveen are great southwest valley cities with wonderful views of South and White mountains.  If you’re still renting and wanting to know if you can purchase that dream home you’ve seen in the valley.There are deals all over the metro Phoenix area  so give the Brooks Team a call. We’ll help you find the lender to get you qualified, the home of your dreams and will be handing over the keys to that home for your enjoyment.

Stephen W. Brooks

623-202-3833

 

]]> http://www.phoenixpowersearch.com/2011/07/is-it-just-me-or-is-the-metropolitan-phoenix-real-estate-market-is-changing/feed/ 0 Get 2.5% Gift Funds From The Lending Company On A FHA, VA Loan!! http://www.phoenixpowersearch.com/2011/06/get-2-5-gift-funds-from-the-lending-company-on-a-fha-va-loan/ http://www.phoenixpowersearch.com/2011/06/get-2-5-gift-funds-from-the-lending-company-on-a-fha-va-loan/#comments Sun, 19 Jun 2011 07:00:20 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6321 What is the 1% Down Program? You can get as much as 96.5% of the home sales costs financed through home loans. But you are still required to raise 3.5% of the final cost of the home on your own. The lending Company is offering 2.5% gift funds. If you are from the lower or middle income group finding the 3.5% can be a burden. You cannot always rely on your savings or help from family and friends. The Lending Company’s down payment assistance program can give you a real helping hand and help you own a home of your own.-continue reading> http://thebrooksteamaz.com/?p=5603

]]> http://www.phoenixpowersearch.com/2011/06/get-2-5-gift-funds-from-the-lending-company-on-a-fha-va-loan/feed/ 0 Lake Pleasant Is The Place For Summer Fun!! http://www.phoenixpowersearch.com/2011/06/lake-pleasant-is-the-place-for-summer-fun/ http://www.phoenixpowersearch.com/2011/06/lake-pleasant-is-the-place-for-summer-fun/#comments Tue, 14 Jun 2011 04:26:46 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6285 Located 45 minutes from downtown Phoenix,is Lake Pleasant covers approximately 10,000 acres and is surrounded by mountains that offers numerous recreational opportunities. Cared for by the Maricopa County Parks and Recreation Department Lake Pleasant is Arizona’s second largest lake. This beautiful lake is located in northern Peoria. continue reading> http://thebrooksteamaz.com/?p=5597

]]> http://www.phoenixpowersearch.com/2011/06/lake-pleasant-is-the-place-for-summer-fun/feed/ 0 Have You Heard About The 1% Down-Payment Program From The Lending Company!! http://www.phoenixpowersearch.com/2011/05/have-you-heard-about-the-1-down-payment-program-from-the-lending-company/ http://www.phoenixpowersearch.com/2011/05/have-you-heard-about-the-1-down-payment-program-from-the-lending-company/#comments Fri, 27 May 2011 19:53:25 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6213 The Lending Company is offering a  program where you can buy a home with as little as 1% down on an FHA or VA loan. Now is a great time to buy with homes in metro Phoenix selling for half the previous price. Here is a breakdown of how the 1% program works:

 

About the program:

America’s Home Buyer Solution Gift Program is designed to provide eligible homebuyers a gift of up to 2.5% of the sales price to be applied towards the FHA down payment and/or allowable closing costs for the purchase of a home.

Targeted towards quality affordable housing, approved homebuyers can purchase a home for as little as 1% down payment. The program also allows for the remaining 1% down payment to be gifted from any FHA allowable source.

The program is offered exclusevely through The Lending Company, a Direct Endorsed US Housing and urban Development lender. There is no requirement for the gift to ever be repaid. It is offered in concert with an IRS approved 501(c)(3) non-profit organization.

This is not a seller-paid down-payment assistance program and the seller is not required to participate.

Program Benefits:

  • The program provides up to a 2.5% gift to FHA qualified home buyers
  • Remaining down payment is as low as 1% (as above, if market conditions allow, down payment from borrower may be as low as 1/2%)
  • Seller can and is encouraged to contrbute towards the closing costs to further assist the homebuyer
  • Income requirements match USDA Income Guides
  • Competitive interest rates
  • Flexible FHA approval guidelines
  • Not limited to first-time homebuyers
  • Standard FHA appraisal
  • Owner Occupied purchase only
  • 1 units allowed
  • FHA approved condominiums allowed
  • Loan limits match FHA guidelines for each county
  • Minimum credit score of 640
  • Successful credit restoration allowed
  • Automated AUS/DU approve/eligible determination required
  • FHA qualified Non-occupant co-borrower/co-signer allowed
  • No prepayment penalties
  • Must complete approved Home Buyer Counseling Course
  • Must meet income guidelines for approval
    Call Jeff Thomas (602-610-4030 jthomas@thelendingco.com) with the Lending Company to see if you qualify for this great program, and then callTheBrooksteamaz.com to find your “Dream Home”.
    Stephen W. Brooks
    623-202-3833

 

]]> http://www.phoenixpowersearch.com/2011/05/have-you-heard-about-the-1-down-payment-program-from-the-lending-company/feed/ 0 Arrowhead Offers Beautiful Lakes and Mountains!! http://www.phoenixpowersearch.com/2011/05/arrowhead-offers-beautiful-lakes-and-mountains/ http://www.phoenixpowersearch.com/2011/05/arrowhead-offers-beautiful-lakes-and-mountains/#comments Mon, 23 May 2011 14:56:53 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6184 Arrowhead Lakes and Arrowhead Ranch  in Glendale from 59th Ave and Loop 101, to 75th Ave and the 101, offer lovely homes in a lake community. There are also great Mountain and lake views.
This area is so beautiful and peaceful, You can fish in the lakes,enjoy small boating, or walk along the great trails that are throughout the community. The neighborhoods have a mixture of homes. Some that back to the lake with boat dock, and your very own pier to fish from.

The area is also close to shopping, schools, dining and a host of other things to do. The near by mountains offer great hiking and views of the Valley.

The area is also home to a Post office, Foothills Library, and the  Foothills Recreation & Aquatics Center. Which offers things for the family to do  during the hot summer days.

So if you’re looking for a home with lovely Lake and Mountain views take a look at Arrowhead Lakes and Arrowhead Ranch you’ll fall in love. The Brooks Team is here to help

Stephen W. Brooks

www.thebrooksteamaz.com

623-202-3833

 

]]> http://www.phoenixpowersearch.com/2011/05/arrowhead-offers-beautiful-lakes-and-mountains/feed/ 0 Why I Joined eXp Realty http://www.phoenixpowersearch.com/2011/05/why-i-joined-exp-realty/ http://www.phoenixpowersearch.com/2011/05/why-i-joined-exp-realty/#comments Sat, 21 May 2011 19:43:34 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6177 Well I am former Mortgage Loan Officer, that after 6 years of helping people get a loan to purchase or refinance a home decided to join my wife and get my Real Estate license. Darlene has been a licensed Realtor in Michigan since 1993 and when we movde to the Phoenix area she  passed her Phoenix Real Estate test in 2005.

Back then she wanted me to get my RE license, but I had my mind set on becoming the best loan officer that I could be and didn’t want to go back to school at the time. I worked for a Mortgage broker for the next 5 years, helped a lot of families with there new home purchases and refinancing of there current homes.

Fast forward to 2010, The mortgage business was not going anywhere and deals were few and hard to come by. So I had to go get a Job and map out another plan. Darlene reminded me of our plan to work side by side selling Real Estate and “Helping Peoples Dreams Come True”, So back to school I went, with the goal of getting my RE license and working side by side with my BFF and lifelong partner.

Once I completed my RE studies and passed my test, I was eager to join my wife and form “The Brooks Team Of AZ”. The former RE Company that Darlene was in didn’t seem to offer what I thought would take us where we wanted to be (Independent Top Notch Realtors).

So my search was on to a find a Real Estate Company that offered the guidance, training and support that we were looking for. I look at a lot that I shall not name, that sounded pretty tempting. One I even almost joined that offered leads, but after thinking it over and looking at what you gave up compared to what you get decided to pass.

Then while browsing craigslist I came across an ad that said:

“eXperience eXpedient eXposure…using technology in marketing your property. . .eXpress Your Real Estate Career…creating the future of real estate now!”

I clicked open the ad started reading and could hardly believe that they were offering so much, training , guidance, build your website, easy contact to Brokers all over the country all from your home office. Wow, are they for real I thought. I couldn’t wait to tell Darlene “I’ve found a new real estate company for The Brooks Team Of AZ”. That I feel has the best thing going in the business, and with great leaders and family feel will only get better

So see why all the Smart Brokers are making the Smart move to the Smart Brokerage eXp Realty!!!! http://stevebrooks.exprealty.com/

Stephen W, Brooks

623-202-3833

www.thebrooksteamaz.com

Follow us on Facebook @ https://www.facebook.com/pages/The-Brooks-Team-AZ-Realtors/178283375540777

 

]]> http://www.phoenixpowersearch.com/2011/05/why-i-joined-exp-realty/feed/ 0 Lease Purchase, Lease To Owns In The Valley http://www.phoenixpowersearch.com/2011/05/lease-purchase-lease-to-owns-in-the-valley/ http://www.phoenixpowersearch.com/2011/05/lease-purchase-lease-to-owns-in-the-valley/#comments Fri, 13 May 2011 06:49:12 +0000 Stephen Brooks http://www.phoenixpowersearch.com/?p=6141 Darlene touched on another way to purchase a home, but I want to let you know about the Lease Purchase and the new Rent to own programs that allow the credit impaired to  have the American dream of becoming a home owner. A lot of home sellers use these as another option to sell there properties.

Lets first talk about the Lease Purchase which I’m sure you’ve all heard of . The lease purchase is a good option if you understand it. The way it works is (you find a Realtor like me with eXp) to help you find a home that fits your needs, where the owner is offering this option. At the time you lease the property you also agree to purchase the home in the near future at a set price, you pay the seller monthly and a portion of the monthly lease payments are to be applied to your down payment when the lease expires. Sounds simple right?

Well here is the problem that I’ve seen with lease purchases. When most people that were put into the lease purchase homes with impaired credit, there was no help, or guidance  to help the lessee. No follow up to see if lessee was doing the things needed to improve credit score to qualify for a loan to purchase when the lease is over. There for loosing the home and there down-payment in the process.

The Brooks Team has found a way to make this work. We we’ll guide you to the right people that will hold you accountable. www.quizzle.com is a great site to let you know where your credit is and where it needs to be to make your  lease purchase a reality.

Now the Lease To Own program is a great program that I’ve became aware of a short while ago. This is a great program which is run by Community Empower https://www.communityempower.com/lto/ from Texas and has spread to CO and AZ. There are 4 steps involved in this program.

Step one: You apply into the program to see if you qualify. Once pre-qualified you are assigned to a counselor that will discuss the benefit of a 4-month enrollment in there ScoreManager credit program regardless of whether you are immediately qualified for the program. This program will guide you to getting your credit inline to qualify for a mortgage.

Step 2: Once you are approved you find a Realtor, (like us) to help you find your new home. You’ll may have the chance to choose from many homes.

Step 3: Once you find the home and sign the lease and pay the appropriate fees you get the keys to your new home. During your 6-18 month  lease Score manger will help improve your score so you can become a home owner

Step 4 Lastly when your lease is up and you’ve followed Score manger you qualify for your mortgage and become a home owner. So give Darlene and I a call we’ll help stop renting and become a homeowner .

Stephen W. Brooks

623-202-3833

www.thebrooksteamaz.com

 

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