Recent bank statements; list of debts and monthly payments.
Neighborhood fit
Ask: commute time, school needs, noise, future development, HOA rules, nearby essentials (groceries, parks, healthcare).
Tip: visit at different times of day and drive the route you’ll use most. Making your offer stronger
Offer quickly on homes you love.
Pair price with smart terms: earnest money, timelines, contingencies.
Write clean offers; avoid odd requests that weaken your position.
Be ready with a backup plan if appraisal or repairs shift the path.
After you’re under contract
Order inspection immediately.
Review disclosures and inspection report with me.
Lock rate and respond fast to lender requests.
Do not open new credit or large purchases until after closing.
What’s the first step to buying a home in the Greater Phoenix Area?
Start with a lender pre-approval to set your budget and strengthen your offer. Then connect with Prestige Realty Arizona’s Maggie Udave-Castro, Realtor, to create a tailored search and plan showings across the Greater Phoenix Area.
How can Prestige Realty Arizona’s Maggie Udave-Castro, Realtor, help me as a first-time buyer in Arizona?
As a local expert, she simplifies each step—from financing and neighborhood selection to offers, inspections, and closing. You’ll get clear guidance, data-driven pricing, and strong negotiation focused on your goals.
How much should I plan for a down payment and closing costs in Phoenix?
Many buyers put 3–20% down, and closing costs typically range 2–3% of the purchase price, depending on loan type and market conditions. Maggie can explain Arizona assistance programs and seek seller credits when appropriate to help reduce cash to close.
How competitive is the Phoenix housing market right now, and how will you help me win an offer?
Phoenix is competitive, but a strong pre-approval, clean terms, and market-driven pricing help your offer stand out. Maggie leverages local comps, proactive agent communication, and strategic contingencies tailored to your situation.
Which Greater Phoenix neighborhoods fit my budget and lifestyle?
Neighborhoods like Gilbert, Chandler, Scottsdale, Mesa, Tempe, Peoria, and Glendale each offer different price points, schools, HOAs, and commutes. Maggie matches your budget and lifestyle with hyper-local insights and curated listings.
What should I know about HOAs, inspections, and appraisals when buying in Arizona?
Arizona purchases often involve HOAs, inspections, and appraisals with specific contract timelines. Prestige Realty Arizona Maggie Udave-Castro, Realtor, reviews CC&Rs and fees, coordinates vendors, and explains contingencies so you can decide with confidence.
What does a Realtor® do for home buyers?
A Realtor® is a licensed professional who is also a member of the National Association of REALTORS®, bound by a strict Code of Ethics. For buyers, a Realtor® helps with budgeting, connects you to trusted lenders, finds homes that fit your needs, negotiates offers, manages inspections, and guides you through closing. Working with a Realtor® provides higher accountability and protection compared to a basic real estate agent.
Do I have to pay a Realtor® as a buyer?
In most cases, a buyer does not pay the Realtor® directly. Compensation is discussed and agreed upon in your written buyer-broker agreement. I review this with you up front so you know exactly what to expect.
How long does it take to buy a house in Phoenix, Arizona?
On average, buying a home in Phoenix takes 30 to 45 days after your offer is accepted. This covers inspection, appraisal, loan approval, and closing paperwork. Cash purchases can close faster, sometimes in as little as 7 to 14 days.
