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ESSENTIAL TOOLS FOR THE FIRST TIME HOMEBUYER

First Time Homebuyer Tools Central Scottsdale Tags: , , , , , , , , , , , , ,

HOMEOWNERSHIP IS EASY FOR THE FIRST TIME HOMEBUYER WHEN YOU HAVE THE RIGHT TOOLS

The song goes, “When the only tool you have is a hammer, everything looks like a nail.”

Whether you’re a first time homebuyer or an experienced one, figuring out how to maintain a home, or just want to know about events near your neighborhood, we’ve got you covered from giddy start to celebratory margarita finish.

So take what you need from our tool shed. It’s always open.

 

SMART ASSET

Buy? Rent? How does it affect taxes? Do I have enough saved? How does buying affect retirement? Life insurance? How does credit work?

Oh God make it stop!

Make sense of the questions with Smart Asset, a financial modeling service that will help you determine the best route based on your personal situation.

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TIP: If you have fluctuating pay (commissions, bonuses, etc), always budget your income on the low side. A stress-free life is a happy life.

 

CREDIT KARMA

Holy cow, I’m buying a house! Now what?

Qualifying for a loan is step number 1. Credit Karma is truly a free credit report. No credit card needed, just a simple sign-up and get a FICO score minutes later.

Your FICO score is paramount to qualification, and you’ll be able to more accurately shop interest rates and loan programs with one.

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TIP: Until you settle on a mortgage broker, don’t let multiple mortgage brokers run your credit profile. This “dings” your credit score. Wait until you have decided on which mortgage broker you are going to use.

 

A BETTER HOME SEARCH

It’s search time. Let’s get weird.

While we set you up with auto emails for new listings, we know you’re still compulsively searching for a home at 2am. That’s why we created CentralScottsdaleMLS.com or and offer access to the exclusive Home Scouting software.

Portals like Zillow & Trulia use downstream data, which often becomes inaccurate. They’re also laced with ads, cookies, calculators, and other noise that dilutes the search experience.

CentralScottsdaleMLS is a consumer-facing version of the MLS for our clients. The actual MLS. No ads, just the Holy Grail of data.

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Home Scouting is a private, collaborative home search tool that keeps us as Agents in the loop of your likes and dislikes.

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Now you can search with 100% accuracy til the sun comes up.

TIP: Don’t fall in love online. A great site and desirable location trumps cosmetics every time!

 

DOCUSIGN

Paper? Uh, no thanks.

During your transaction process, we exclusively use DocuSign for digital document signatures.

So you can be at work, at the park, or enjoying an evening out and effortlessly sign “paperwork” from any device.

No waiting, no paper, no ink. Simplicity, security, and a smooth experience is why we use DocuSign.

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TIP: Familiarize yourself with real estate documents prior to buying. Ask your Agent for a sample purchase contract so you can read it well in advance of making your first offer.

 

BRIGHTNEST

I have a house! How do I take care of it?

When do I change air filters? How do I prevent a roof leak? Does Chinese food clog a dishwasher?

Keep your home tuned up with BrightNest. Answer some questions about your home, then BrightNest will periodically email you tasks to keep your home in top shape. Your maintenance history is stored for easy access when it comes time to pass your home on to a new owner. Yes, it even stores your paint colors too.

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TIP: Don’t wait until something is broken to seek out a handyman. Ask your Real Estate Agent or family member for one in the very beginning, and keep his number saved at the top of your favorites.

 

EPROPERTYWATCH

What did that house a block away sell for? Is that one on Easy Street in foreclosure?

ePropertyWatch is one of our favorites. It will email you when a neighborhood home sells. It emails you if one goes into foreclosure.

Most importantly, it works in the background to make sure you don’t fall victim to a false or erroneous lien. You are notified immediately if a mistake is made at the County Recorder’s office so you can get a jump on corrective action. If there’s one thing that can mess up a refinance or a sale, it’s a cloudy title report. To sign up for ePropertyWatch, please use the form on this page.

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TIP: Always, always, always read your title report at time of purchase, refinance, or sale. Especially if you have a common name, where erroneous liens happen more often.

 

NEXTDOOR

Nextdoor is the private social network for you, your neighbors and your community. It’s the easiest way for you and your neighbors to talk online and make all of your lives better in the real world. And it’s free.

Thousands of neighborhoods are already using Nextdoor to build happier, safer places to call home. We’ve got one of the largest Nextdoor communities in the U.S. right here in McCormick Ranch. So when you find your new home, go to Nextdoor and punch in your shiny new address to see if there is a community already established. If not, start one.

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People are using Nextdoor to:

  • Quickly get the word out about a break-in
  • Organize a Neighborhood Watch Group
  • Track down a trustworthy babysitter
  • Find out who does the best paint job in town
  • Ask for help keeping an eye out for a lost dog
  • Find a new home for an outgrown bike
  • Finally call that nice man down the street by his first name

Nextdoor’s mission is to use the power of technology to build stronger and safer neighborhoods.

 

THE CENTRALSCOTTSDALE.COM DAILY

So you’ve checked out that new sale in your hood, changed the air filters and uploaded your new wall’s paint colors.

Now it’s time to paint the town.

We’ve carefully curated our online newspaper, the CentralScottsdale.com Daily, to showcase all of the latest news, sports, real estate, tech, and local events.

 

TIP: Get out and enjoy!

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