Your REALTOR:
Margie & Mike Ginnaty
September 2019
Real
"Neighbors serving neighbors in the Valley of the Sun"


5 Questions to Ponder If You’re Thinking of Buying Your Very First Home
Sometimes it’s simply a small notion that someone at work mentioned. A coworker just bought a first home and they just keep talking about it. Or maybe you start noticing For Sale signs around that were there, but you never noticed them. Perhaps your real estate agent friend keeps telling you it’s time to buy and stop renting. Whatever the motive, buying a first home is a pretty big step. All homeowners remember buying their very first home. Pretty much every detail. They remember where they close and can remember what their settlement agent looked like. They certainly remember the down payment and closing costs and getting the keys to the home handed over to them. It’s pretty exciting. If these
Mortgage Rates
U.S. averages as of September 2019:


30 yr. fixed: 3.55%
15 yr. fixed: 3.03%
5/1 yr. adj: 3.32%






thoughts are swirling in your head, ask these questions to see if they can push you across the goal line.
      How much money do I need? You’ll need
WHAT IS YOUR HOME WORTH?

Let us show you.




10 Easy Solutions for Creating More Storage at Home
     If you’re frustrated with the lack of storage in your home, you’re not alone. Forbes reports that, "Most buyers are looking for extra storage space to organize and declutter their homes. Garage storage solutions and walk-in pantries rank high for organizing and concealing items.”
      Take a new look at your house Don’t have enough linen space? Maybe there’s a corner or niche that could be turned into a closet. It might just take an open mind and a fresh outlook to reimagine a space. 
      Pick the right furniture "A hardworking family needs a hardworking living area, one that uses every inch of space available,” said Better Homes and Gardens. "Built-in



Finding Down Payment Money
     One of the biggest challenges, if not the biggest challenge, is coming up with the money for a down payment on a home. Even if someone is taking advantage of the new conventional 3.0 percent down program or the FHA mortgage, most every loan requires some sort of a down payment. While 3.0 percent doesn’t sound like a whole lot, if you’re buying your first home it usually is. On a $250,000 home, that comes out to $7,500. That’s not even mentioning closing costs. But there are sources for down payment funds that might sometimes be overlooked.
      The Bank. Okay, this is the obvious source. From a checking or a savings account, accessing readily available cash from a bank account is the most common. Consumers can save up a little each month until the minimum amount of funds needed have accrued. The lender will ask for copies of the most recent bank statements showing available funds as well as documenting the source of those

BUYING A NEW HOME?

If you are searching for a new home in the Phoenix Metropolitan Area contact us for all of the CURRENT information available. We can help you with Resale or New Builder homes!!



Would You Pay Top Dollar for Your Own House?
     If the answer is a resounding yes, you’re ready to list. If the answer is no, you’ll need to understand why it is a no and create a strategic plan of attack to create a yes. Realtors are often called upon to outline exactly what a seller may need to do to get their house ready to sell at top dollar. Do you know what to do to get your own house ready to list?
      Most sellers realize they are expected to do a few things to "spruce up” their home before they sell. Do you understand exactly what you need to do and why? This information is vital to understand to positively position your house to sell. This is just one part of the larger "total home transition”, but a critical part that will directly affect the list price, DOM (days on market) and ultimate sales price of your house. The biggest mistake sellers make is not looking at their house through the eyes of the BUYER and not making the necessary visual and cosmetic updates in order to meet BUYER expectations. Ask yourself, would you pay top dollar for your own house? If not, you need to understand why not and what to do about


  Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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What’s More Important: A Large Floor Plan or the Right Layout?
Bold Patterns: Tips for Using the Trend in Your Home



Margie & Mike Ginnaty
E-mail: ginnaty@hotmail.com
Website: ginnaty.com
(602) 573-9000 - Office
(866) 701-1329 - FAX

DPR Realty LLC
Office: 480-926-2727
3850 E. Baseline Rd. Suite 119 - 120
Mesa AZ 85206


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