Let Us Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation.  As top Phoenix, Scottsdale, Paradise Valley, Tempe, Chandler, and Gilbert Realtors, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market. We have direct access to the Phoenix, Scottsdale, Paradise Valley, Tempe, Chandler, and Gilbert area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give us some idea of what you are looking for, We will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers. Fill out this form, and we will quickly get back to you! Please give us as many details as possible... Tell us what you are looking for! It's our job to know every property in Phoenix, Scottsdale, Paradise Valley, Tempe, Chandler, and Gilbert, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...
Financing Your Home >Early Loan Approval
Many lenders help prospective buyers get pre-approved for a mortgage loan before the buyers begin a serious house-hunting effort. If you are in this position, give the loan officer all of the information about your assets, income, and debts so they can tell you how much you will be able to borrow under the available loan options. The loan officer will do a credit check and work with the lender to straighten out any problems with your credit rating.
Pre-approval from a lender can make you more attractive to the seller when you find the home you want. Multiple offers sometimes come in on a house, and you may find yourself competing with other buyers. In that case, it is helpful if you have included a letter from the lender with your offer stating that you have an approved loan and are, indeed, qualified to buy. This will also save you time by eliminating from consideration any homes that you would not be able to afford.
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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
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