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3 Hacks for Buying a Home You Can Really Afford

by Joe Bourland

3 Hacks for Buying a Home You Can Really Afford

Buying a home in the West Valley? For many, buying a home is the biggest financial investment of our lives — and the process is far from simple. Everything from locating the right REALTOR® to making an offer on a home can be an overwhelming task if you’re unprepared. Even if you’ve been through the home buying process before, you can still be taken back by updated home buying guidelines. So here are 3 hacks for buying a home you can really afford.

1.) Get pre-approved: It’s important to determine how much of a mortgage you can truly afford by getting pre-approved through a lender or mortgage broker. Getting a pre-qualification letter from a mortgage lender before you even start hunting for a home will help determine what you can afford. It’s best to aim for a home that costs less than the maximum amount for which you qualify and stick to that limit. A good rule of thumb is to make sure make sure the total monthly payment doesn't consume more than thirty percent of your take-home pay.

2.) Watch your credit: Your credit report and you should be on good terms before buying a home. Good credit can mean significantly lower monthly payments, so if your credit score needs some work, you may want to delay buying a home until you’ve rebuilt or repaired your credit. Address any discrepancies on your report and see if you can negotiate lower amounts to pay back with creditors.

3.) Make a down payment plan: Not every mortgage loan requires a down payment, but if you’d like the opportunity to have lower mortgage payments then it’s best to have one. Putting down anything lower than twenty percent means paying for private mortgage insurance (PMI) which can cost between 0.3 percent and 1.50 percent of your mortgage depending on the side of your down payment and your credit score.

When you’re ready to buy a home in the West Valley, Avondale, Goodyear, Litchfield Park or the greater Phoenix area, be sure to contact The Bourland Team, your one-stop shop for real estate services. Our award winning real estate team will meet and exceed your expectations!

Joe Bourland
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

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Spring concert series blooming in Goodyear

by Joe Bourland

Spring concert series blooming in Goodyear

Spring has nearly sprung and what better way to enjoy Arizona’s gorgeous weather than by taking in a free concert in the park? A community favorite, the beloved Spring Concert Series returns to Goodyear and the West Valley community is gearing up to enjoy a series of free concerts in March and April.

This weekend you can see the Pebble Rock Band on Saturday, March 11th at 7:00 p.m. at Goodyear Community Park located at 3151 N. Litchfield Rd. The Pebble Rock Band performs all over the west valley and is a local favorite in the community.

Bring lawn chairs or blankets for your comfort as you listen to wide variety of musical performances for the whole family. You may bring food and beverages of your choice (no glass containers please). This fun family concert series is free and open to the public. Click here for a listing of upcoming bands and a concert schedule for the Spring Concert Series in Goodyear.

For more information on local events in Goodyear and other west valley events happening in your neighborhood this spring, please contact the Bourland Team today.

Joe Bourland
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

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Do You Know Any Single Parents Facing Cancer?

by Joe Bourland

Do You Know Any Single Parents Facing Cancer? 

They say everyone has a story, and most of the time we really don’t know what people struggle with in their day-to-day life. A week ago, I happened to be working late and had the opportunity to chat with the lady who cleans our office in Avondale. She told me her story, and I am compelled to share it with you.

She is a single mom with a teenage son, and she has been diagnosed with cancer. While she loves her job as a cleaning lady, the port in her chest where she receives the chemo treatments restricts her physical ability to do her job, as she cannot lift more than ten pounds. She is getting to the point where living on her own with her teenage son is no longer safe, but her options are limited.

I am moved by her story, and I believe there more single moms like her facing cancer treatments on their own with limited resources. After reaching out to people I know, and doing some research, I found an organization I would like to share with you – in the hopes that you will support them.

Singleton™ Moms is a non-profit organization dedicated to bringing hope, help and support to struggling single parents battling cancer. Their unique programs offer the emotional, financial and domestic support that these courageous moms and dads need while undergoing treatment.

Singleton™ Moms has a charity golf outing coming up April 10th, at Blackstone Country Club. Co-owner of RE/MAX Professionals, Nate Martinez has been supporting this event for the past five years and plans to do so again this year. He told me that he is moved to tears each year when they have a single parent share their story.

The 7th Annual Charity Golf Outing at Blackstone Country Club, will include a lunch, silent auction, raffle and a live auction. There are sponsorship opportunities available, or you can play a round of golf and the money goes to the organization. For more details, click here for the event flyer.

If you would like to learn more about Singleton™ Moms, please visit them online at www.singletonmoms.org. On behalf of single moms and dads coping with cancer treatment, while raising a family on their own, we hope that you will consider supporting the Singleton™ Moms Organization.

Joe Bourland
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

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Penske Truck Rental Releases 2016 Top Moving Destinations

by Joe Bourland, The Bourland Team

In the article, "Penske Truck Rental Releases 2016 Top Moving Destinations List,"  from www.gopenske.com, reports that the seventh edition of the Penske Truck Rental Top Moving Destinations list contains a number of familiar markets across the United States, with Atlanta once again in the top position. Making an appearance in the top 10 for the first time since 2012 is Charlotte, North Carolina. Interestingly, only three states (Georgia, Florida and Texas) account for half of the placements.

Penske Truck Rental 2016 Top Moving Destinations (previous year ranking)

1.     Atlanta (1)

2.     Dallas/Fort Worth (4)

3.     Phoenix (2)

4.     Denver (6)

5.     Tampa/Sarasota (3)

6.     Orlando (5)

7.     Seattle (8)

8.     Las Vegas (9)

9.     Houston (7)

10.  Charlotte (unranked)

Here are some interesting facts and figures:

·        Sun Belt cities have occupied the top third of every one of Penske Truck Rental’s Top Moving Destinations lists

·        Historically, four Southeast markets (Atlanta, Charlotte, Orlando and Tampa/Sarasota) have graced this list

·        Florida and Texas are the only states to have multiple markets appear on all seven lists

·        Dallas/Fort Worth has finished as a runner-up three times (2010, 2012 and 2016)

·        Atlanta is the only No. 1 representative in the list’s history. Call it a seven-peat?

·        Denver’s current No. 4 placement is the market’s highest-ever finish; in 2013 it was ninth

·        Phoenix has never fallen below the top five while appearing on every list

·        Charlotte was on the first three lists (2010, 2011 and 2012); its average placement ranking is 9.75

Here is the link to the entire article: https://Blog.gopenske.com/news/penske-truck-rental-releases-2016-top-moving-destinations-list/

Joe Bourland, REALTOR
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

www.joearizona.com
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The article from www.rentcafe.comSurprise! Surprise Beats Phoenix in the Rent Growth Race, and So Does Most of the Metro Phoenix, reports that Phoenix rents have reached $889/month in December, while the metro area average crept up as high as $968/month by the end of last year—increases of 24% compared to the averages from 3 years ago, according to Yardi Matrix apartment data. 

Phoenix itself posted a strong 7.1% year-over-year rent increase, which is a lot higher than the 4% national average, but apparently that was only enough for a confident middle-rank on home turf. Rents in most cities of the metro area increased by at least 5%, but Goodyear had previously gone overboard last year with an 8.4% increase, not to mention, Glendale 8.8% and  Mesa 9.1%.

A high number of completions is one of the factors that keep rents in check in the popular neighborhoods—about 2,900 new units have come online last year only in Phoenix, and Yardi Matrix reports that more than 3,500 units are in the pipeline for the months to come.

 


Here is the link to the entire article: https://www.rentcafe.com/Blog/cities/phoenix-az/phoenix-rents-lag-behind-most-of-the-metro-in-spite-of-good-growth-rate/

 

 

Joe Bourland, REALTOR
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

www.joearizona.com
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3 Down Payment Money Saving Hacks to Help You Stash Cash Quickly

by Joe Bourland, The Bourland Team

3 Down Payment Money Saving Hacks to Help You Stash Cash Quickly  

Everyone wants to save more money, but figuring out how to do it is usually the hardest part. Especially when home buying is a part of your immediate future plans. Whether you’re looking to put down three percent or twenty percent towards your home, here are 3 down payment money saving hacks to help you stash cash quickly.

1.) Cut more overall costs: Anytime you can reduce the costs of your monthly expenses, it allows you to take that little extra that you’re saving and bank it into your savings account. Saving $25 a month on a lower bill may not seem like much but after a year that’s an extra $300 more that is available towards your down-payment goals. Anything from transitioning to a lower cellphone plan to switching to lower car insurance rates and more can help make the difference between contributing nothing to a savings account and hundreds.

2.) Build an account: It’s important to set up an account solely for your down payment so as not to be tempted to take money out for other uses. It is also recommended that you establish an automatic draw that automatically funnels money monthly, bi-monthly or weekly from your checking account so you don’t have to worry about it or end up tempted to spend the money rather than saving. Build your down payment savings stash by setting up a designated account that pays the most interest possible.

3.) Assistance programs: There are hundreds of down-payment-assistance programs that exist to help buyers come up with the costs associated with home buying. According to RealtyTrac, there are over 2,000 available programs across the country. Sites like Down Payment Resource are designed to help connect people with hard to find financial resources and helps deliver a list of programs for which you may be eligible for and contact information for participating lenders in your area. So in addition to saving towards your down payment home buying goals, don’t forget to look into extra resources.

Trying any of or all of these 3 money saving hacks to quickly save for a down payment can help you helps make it possible to achieve your home buying dreams faster. If you’d like to learn more about saving to buy a home or if you’re ready to begin your home search, please contact The Bourland Team today. We can help you navigate through each step of the home buying process and help you find the home of your dreams!

Joe Bourland
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

www.joearizona.com
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February 2017 RE/MAX National Housing Report

by Joe Bourland, The Bourland Team

February 2017 RE/MAX National Housing Report

The February 2017 RE/MAX National Housing Report is in and January set records with the most sales, highest sales price and fewest days on the market in the reports nine year history. .

In the 53 metro areas surveyed, total sales were up 4.5 percent over January 2016, which was previously the January with the most sales. The Median Sales Price of $208,500 was up 4.3 percent and marked the tenth consecutive month of year-over-year price increases. The new January low of sixty-six Days on Market underscores the fact that inventory has declined year-over-year for ninety-nine consecutive months dating back to October 2008.

“January may have set the tone for the coming home-buying season with homes selling faster and at higher prices. Home-buyer demand is strong, and not enough sellers are listing to keep up with the demand, despite rising prices. At any rate, the beginning of 2017 continued the strong pace of 2016.” -Dave Liniger, RE/MAX CEO, Chairman of the Board and Co-Founder.

Over two-thirds of the fifty-three metro areas experienced an increase in sales year-over-year, with twelve experiencing double-digit increases. Based on the rate of home sales in January, the Months Supply of Inventory was 3.8, compared to December 2016 at 4.2 and January 2016 at 4.6. A 6.0-month supply indicates a market balanced equally between buyers and sellers.

Click here to download your copy of the February 2017 RE/MAX National Housing Report. If you’re thinking of selling or buying a home in Avondale, Litchfield Park, or Goodyear I can help you navigate through each step of the process to assist you with making the best real estate investment decisions. Let me help you with your real estate investment goals.

Joe Bourland, REALTOR
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

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Top 3 Negotiation Hacks for the Best Home Buying Deals

by Joe Bourland, The Bourland Team

Top 3 Negotiation Hacks for the Best Home Buying Deals

Looking to buy an Arizona home this spring? Even if you’ve purchased a home before and consider yourself to be a home buying pro, the housing market remains a constant changing tide. Even the best negotiators should be prepared to surf the waves. Before you settle on the first nicely priced home you find, you have to try these top 3 negotiation hacks for the best home buying deals.

1. Know the area: Knowledge is power so ask important questions. What are the comparable neighborhood sales? How long has the house been on the market? What‘s the seller‘s deadline? The more you know, the more well-constructed your offer will be.

2. Go the extra mile: Making an offer on a popular house with competing bids? Do what buyers trapped in the digital age of Facebook and text messages won’t do. Actually connect with the seller! Usually a seller sells a home filled with treasured memories and they want to know it will be taken care of. So if possible, a friendly handwritten letter spelling out your best intentions or even a sincere face to face meeting will only help you stand out favorably among your competition.

3. Simply ask. There’s no telling what you may be able to get when you buy a home so don’t be afraid to just ask!  If you expect a no, you may be pleasantly surprised with a yes. You can ask for an allowance or credit if there are costly repair items, ask for the seller to cover the closing costs, or even ask for a one year home warranty plan. 

If you’re ready to try these top 3 negotiation hacks for the best home buying deals, then contact The Bourland Team today! We can help you navigate through each step of the home buying process to assist you with negotiating the best real estate offers and finding the home of your dreams!

Joe Bourland
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

www.joearizona.com
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This is why we do this.....

by Joe Bourland, The Bourland Team

Someone once asked me why I do what I do?  Why I work the long hours, weekends, up before the sun....why?  This is why.  Because I get to help people.  Real people with real stories who are looking to find the home of their dreams.  I get to hand them the keys, open their door and say welcome home!  It is my pleasure and my honor!  

A look at three well deserving families who closed on their homes today.  From an Adult Community, to a Condo in Phoenix to a House in the West Valley.  

Call me today and let me help you find the home that fits your dreams.  

Joe ~  623-322-8588


 

Top 5 Things to Do Before Officially Moving In

by Joe Bourland, The Bourland Team

Top 5 Things to Do Before Officially Moving In

Moving into a new Arizona home this spring? Congratulations! After months of saving, searching, waiting, and sifting through paperwork you’re finally ready to unload those moving boxes and start getting settled in. But before you unpack those boxes and lay out that welcome mat, don’t forget the top 5 things to do before officially moving in.

1. You’ve got the power!: There’s nothing worse than moving into your new home only to find you have no electricity. So don’t forget to disconnect the previous owner’s utilities and have them reconnected in your name. First time home buyer? Be sure to set up your utilities prior to move in so you won’t have to worry that you won’t have water or power your first night in your new home.

2. Connect to the net: Along with setting up your utilities, be sure to set up your internet service as soon as possible as some techs need to be booked weeks in advance. Save yourself the time and stress of being without internet by making this one of your first priorities prior to move in.

3 Update your address: The sooner you update your address, the better. Notify the post office immediately of your new address and then contact businesses and government bodies individually and promptly to make sure your mail is going to the correct place. Don’t forget to contact your primary care physician, car insurance and bank to let them know that you’ve moved too!

4 Have spare keys cut: You know what’s worse than being super stressed on move-in day? Being unable to locate your keys in the shuffle of the move! Have spare keys cute as soon as you receive the keys to your new house because it’s easy to lose them in all the hullabaloo of moving. You’ll thank yourself later, trust us.

5. Pack a first night box: Welcome to your new home. Now where in the world are the toilet paper and your pajamas? Being proactive and having a first night box or bag is a must when moving in. Having your basic toiletries and other essentials close by and clearly marked can help make your first night in the new place less stressful and more comfortable for everyone.

Remember these top 5 things to do before you officially move in and you’ll have just that much less on your to-do list as you settle in to your new home. If you’d like a move-in checklist or if you are looking to buy or sell your Avondale home, call The Bourland Team today.  We’ll help you navigate through each step of the process to assist you with making the best real estate investment decisions and find the perfect home for you!

Joe Bourland
The Bourland Team
RE/MAX Professionals
623-322-8588
info@joearizona.com

www.joearizona.com
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