Diane Breard | HomeSmart Lifestyles Blog

Wednesday, January 26, 2022   /   by Diane Breard

Should I use a Realtor if I’m buying new construction from a builder?

Building your dream home from the ground up can be exciting. You get to choose your lot, the floor plan, the exterior design, the interior finishes and any upgrades. But it’s a common misconception when you’re buying a new constructed home that you don’t need to work with a Realtor®. However, that’s not necessarily true. Below are some good reasons why it makes sense to have a real estate agent represent you when building your new home.

The sales agent works for the builder.

The real estate representative in the builder’s sales office represents the builder’s best interest not yours.  An independent real estate agent represents your interests and advocates on your behalf.  Additionally, a real estate agent will help you get the most value for the least amount of money and make the real estate transaction easy and frustration free.

Your real estate agent is your advocate.

Your Realtor is obligated to work tow! ...

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Thursday, June 24, 2021   /   by Diane Breard

How Much Down Payment Do You Need for a House?

You can buy a house with less than 20% down, but other factors determine the exact down payment you need.

Before you start shopping for a home, you need to know what you can afford – and a big part of that depends on how much you can afford as a down payment.

But how much down payment do you need to be able to afford the house you want? The answer isn't the same for everyone, but key information can help you determine the right amount to save, the mortgage programs to explore and other resources to consider to help you buy the right home.
What's a Typical Down Payment Amount?

Beyond being able to buy a home with cash, many lenders and consumers view a 20% down payment with a 30-year, fixed-rate mortgage as ideal.

However, the typical U.S. homebuyer is putting far less money on the table at closing. The median down payment is 12%, according to the National Association of Realtors 2021 Home Buyer and Seller Generational Trends report. Broken out into age ...

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HomeSmart Lifestyles
Valley Home Team
22243 S Ellsworth Road
Queen Creek, AZ 85142
Diane Breard 480-684-0055
Steven Breard 480-684-0975

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