Buy with AXIS
AXIS Property Advisors is proud to be a full-service brokerage ready to help you buy your next residential property. Our local team of professionals is equipped to help you navigate the Metro Phoenix real estate market.
First Things First!
Below are a few steps to get you started in purchasing a home. At AXIS, our team of seasoned professionals is ready to help you every step of the way!
Get Pre-Qualified / Pre-Approved
In today’s market you must be prepared – knowing what you can afford and getting pre-qualified for a loan and pre-approved by a bank. We’ll help facilitate this first step.
Meet and Work with your Agent
Our professionals are experts on the Metro Phoenix real estate market. We are eager to meet with you and help you understand the local market and buying process.
Offer, Close, Move-In
AXIS professionals go to bat for you! We’ll carefully, professionally, and comprehensively walk you through the entire buying process from pre-qualification to close.
Timing is Everything
Assess whether you are ready to purchase a home. Do you have money saved for a down payment? Make sure your credit reports are accurate. If your credit score is questionable, it’s best to repair it before going into the homebuying process. What are your future plans? Will you stay in the area long-term? Your potential home should meet your needs of today and take the future into consideration as well.
Determine your budget and preferred location. An easy way to estimate how much house you can afford is by multiplying your total pre-tax income by three. Be sure to factor in existing debts. Consider your commute, property tax rate, schools, shopping, amenities, and the type of home you are seeking (condo, single-family, townhouse) when selecting desirable neighborhoods.
Professional Agent Advantage
At AXIS, our agents know the pulse of the Metro Phoenix real estate market. We are here to and guide you through the complete buying process and to broker your purchase successfully. Your AXIS Agent will assist you in determining your buying power, provide objective information about each property, and smoothly negotiate the purchase of your new home.
If you are a first-time buyer, there are programs and grants to help cover the cost of your down payment, closing costs, and/or reduce mortgage insurance premiums. Be sure to research such programs, as they may be able to assist you depending on your circumstances.
Pre-Qualified & Pre-Approved
Now it’s time to get pre-qualified for a mortgage. Your AXIS Real Estate Agent can recommend a mortgage lender if needed. Simply provide the lender your income and the amount of savings and investments, and she will determine how much you may borrow. Next, you’ll need to get pre-approved for credit, which allows your lender to verify your financial status.
The fun begins! Make time to go to showings and open houses. Your AXIS Agent will also set up an automated feed from the MLS with a list of available properties that meet your criteria.
Make an Offer
Once you have found a suitable home, your AXIS Agent will write an appealing offer to present to the seller. If the seller accepts your offer, then you are under contract. Or the seller might make a counter-offer and the negotiations will continue until you come to agreeable terms.
Time for Inspection
In most cases, the purchase offer is contingent on a home inspection to check for structural damages or needed repairs. This contingency protects you by providing an opportunity to renegotiate or withdraw your offer if significant issues are discovered. Your AXIS Real Estate Agent can help to arrange the inspection within a few days of your offer being accepted by the seller.
Lock-In Your Mortgage
Know your priorities when choosing a mortgage. How soon do you plan to move again? Do you want a 15-year or 30-year loan? Can you afford a 20% down payment? Select a mortgage lender with competitively priced loan programs and an excellent reputation for customer service. Ask your AXIS Agent for lender recommendations.
The home you are purchasing now must be appraised. As a buyer, you want the appraisal to come in at the same amount or higher than your offer. If it comes in lower than the negotiated price, you may renegotiate with the seller or walk away from the deal.
Title Check & Walk-Through
Your mortgage lender will have a title company confirm that the seller is the rightful owner of the house you are buying. They will also look for any outstanding taxes, liens, or ownership issues with the property. Then, you will do a final walk-through of the home with your AXIS Agent to make sure the house is clean, that the lights, HVAC, toilets, and sinks are in working order, and that all agreed-upon repairs are complete.
At the closing, your AXIS Real Estate Agent will be there to help you in the final steps of purchasing your new home. You will officially sign the mortgage loan and a ton of other paperwork. The ownership is then transferred from the seller to you as the buyer, and the property is officially yours!
Start Your Search Today
Using the online Multiple Listing Service (MLS) search coupled with an experienced REALTOR® will give you quicker personalized results.