Super Smart Real Estate

We recently closed out a Bank Owned property. There were quite a few surprises that we don’t want to catch you off guard. Luckily we have a manager that has done hundreds of these so he guided us through the process. Here’s what we learned:

Quick Tips from Matthew:

There are some fantastic deals to be had buying repossessed homes aka Bank Owned Property. There is more work on your part to purchase them however, this leaves most buyers running for the hills. You really need to do more diligence up front. Specifically on their purchase contracts. You need to know exactly what terms they are communicating in ALL the fine print. Who pays escrow, TX fees, title fees, and any further restrictions they have. Most buyers are not willing to do this diligence so it leaves you with more leverage to negotiate on the property.

More about Matthew:

Matthew is a licensed Real Estate Agent in Arizona. He works with a team cooperative team of agents to assemble the best real estate solutions possible. These are based off client needs and marketplace conditions. Make sure to give him a call if you are in Southern Arizona. You can reach him at (520) 344-3481 and or checkout his work at KeysToArizona.com

My cousin called me and asked the question every agent dreds, “How do I sell my home without an Agent.” I continued with a breakdown of how it works…

Quick Tips from Matthew:

It only takes a few weeks of study and a test (at least in Arizona) to become an agent. Really anybody can do it. There are a lot of agents out there that do a minimal service. These agents are typically the ones who also brag about having the most sales as they have little time to do much more. We don’t call them top agents, we call them “minimum service” agents as a result. It’s quite easy to replicate at least the marketing side of the services. This along with a good title company can get you a long ways in the way of selling your own home. A good agent is a different story. They may thousands of hours of experience which you’re not going to be able to replicate selling your home on your own. And hiring a good agent is an investment that pays for itself.

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More about Matthew:

Matthew is a licensed Real Estate Agent in Arizona. He works with a team cooperative team of agents to assemble the best real estate solutions possible. These are based off client needs and marketplace conditions. Make sure to give him a call if you are in Southern Arizona. You can reach him at (520) 344-3481 and or checkout his work at KeysToArizona.com

When I was an engineer, I’d interview with people who didn’t know how to do my job. They had no idea how to qualify me for that which they did not know how to do themselves. Interviewing a Realtor has the same challenges. Learn a few questions to get off in the right direction…

Quick Tips from Matthew:

The biggest mistake sellers make is thinking their agent can control the market. Their agent can bring them a cash buyer in the first week, or pull a magic carrot out of their hat and sell home themselves. These are really bait and switch tactics to get you under listing contract with them. When interviewing an agent it’s important to understand that the agent cannot control the marketplace in any way shape or form. They are your LIAISON to the market place. There they guide you to make sure you do the right things and have the best chance to do well selling your home. This takes a solid marketing plan and lots of strategist. So a good agent will be asking you LOTS Of questions and developing a custom plan to get your home sold based off your needs. His tool kit should be well polished. Today most all the tools are on the internet as that is where virtually all the buyers go to find their home.

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More about Matthew:

Matthew is a licensed Real Estate Agent in Arizona. He works with a team cooperative team of agents to assemble the best real estate solutions possible. These are based off client needs and marketplace conditions. Make sure to give him a call if you are in Southern Arizona. You can reach him at (520) 344-3481 and or checkout his work at KeysToArizona.com

When I was little my grandma let me cheat at cards so it’s no wonder I always won. Do you want to let your competition cheat when you’re playing Real Estate? My guess is not, find out how to identify the cheaters…

Quick Tips from Matthew:

The easiest way to get taken advantage of is not understanding agency. Likely you would not even realise somebody has their hand in your wallet. So you need to take a little time to explain exactly what Agency is…. Think of agency as the players at a game of poker. It is important to know who is playing so you can hide your hand of cards from them. Simple enough, but this is violated every day in Real Estate. The only thing we want to show the marketplace is positivity so we can attract the best the universe has to offer.

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More About Matthew:

Matthew is a licensed Real Estate Agent in Arizona and super geek. He commands several Real Estate websites seeking to educate consumers on how to Rock the Real Estate market. If ever you are selling a home in Arizona (or would like a referral to sell a home) give him a call. You won’t be dissapointed, you’ll be delighted! You can Real Matthew’s Real Estate hotline at 520-344-3481

Did you know most Realtors want to DO AWAY with home inspections. They are THE source of most issues in home sales. I have a different solution… Let’s use them to our advantage. Here’s how to you can make more or get more using home inspections.

Quick Tips from Matthew:

Home inspections are a highly debated topic among Real Estate Agents. Inspections are intended to find hidden defects in the home. Items that would effect the buyer’s decision to purchase the home. I see home inspections as a tremendous advantage. We have seen buyers who are fair with the seller get much better deals than otherwise. We have also seen sellers who are prepared for the inspections get top dollar, and quick closings.

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Contacting Matthew Jeschke:

If you are looking to buy or sell Real Estate in Southern Arizona MAKE sure to contact Matthew. He works throughout Pima, and Santa Cruz county. You can reach him at 520-344-3481 or on his website at http://www.keystoaz.com/contact-us/

I got a call from a customer a few days ago. He spotted a home that was priced so well it looked to good to be true. We found out it was being auctioned off. So can you get a good deal on an auction site?

Quick Tips from Matthew:

It is really unfortunate to see misleading auction sites. There may be some good sites out there but in my experience most of them are a trap and so most agents (and even buyers) avoid them. The banks who use these auction sites really end up getting the shaft as the houses do not sell as well as a result. What does that mean to you? A good buyer’s agent can get find you a great deal on an auction site.

Reference Materials:

As you sit here quietly reading this article you will realize improving your credit score is easier than you thought…

Improving your credit score may sound like an impossible task especially when you just want to take advantage of the excellent housing market.

You may feel discouraged, even give up prematurely especially if a lender has turned you down for a home loan.

Even if you do qualify for a home loan, a better credit score may help you qualify for a lower monthly payment!

So you ask, “How do I improve my credit and get the home I desire?”

That my friend is an excellent question!

Polishing your credit score is actually quite easy.  The hardest part is time.  Some of the factors evaluated in your credit score take time to clean themselves up.  Here are a few things you can do right now to improve you credit score,

Tip 1:  Pay off your credit cards This is probably the biggest immediate impact you can have on your credit score.  Carrying a balance on your credit cards reflects very negatively on your credit score.  The closer the balance is to the credit card’s maximum the more it tarnishes your credit score.  Pick your credit card which is closest to it’s maximum balance.  Pay it off then work your way through your cards paying each one off.

Tip 2:  Build a clean payment history Choose one of your credit cards, preferably the one with the highest limit, to use for personal expenses.  Diligently pay off the entire balance at the end of each month.  This creates a record of on-time payments which reflects well on your credit score.

Tip 3: Close extra credit cards Take your credit cards with the most recently missed payments.  Call the credit card companies and close them out.  This pushes those missed payments further down on your credit report reducing the impact on your credit score.  Note: If possible keep 3 credit cards open to avoid completely erasing your payment history.  The higher the credit limit the better.

Tip 4:  Check your credit report You may be surprised to find unknown creditors; other people’s credit history; identity fraud; blatant typos; and other surprises on your credit report.  Such mistakes are quite common so make sure to take advantage of your free anual credit report at, www.annualcreditreport.com

Tip 5: Consult an expert Credit repair services are offered everywhere.  The best services are typically offered, for FREE, by lenders.  Many of them will sit down with you one on one and explain how to repair your credit.  I highly recommend doing this as everybody’s situation is different.

In the below discussion, Ian Brannon spills all of his best tips about improving credit scores.  These tips apply to any credit agency, and any credit score.  They work equally well for home loans, car loans, anything that requires a credit check.  Plus there are tips that even you can complete with ease.  You are going to love it!

Also, leave a comment on this article to let me know your favorite piece of advice from Ian Brannon.  Additionally, if you have any interesting stores to share about your difficulties with home loans, tell those too.

Listen to this audio now and learn:

Click here for a printable credit repair checklist

Want to know more about Ian Brannon?

Ian Brannon obtained a degree from Cal Poly in 2002.  He went to work for a major bank as one of the top producers in Northern California.  After a few years he moved back to Tucson Arizona to continue his career in home finance.  He has prided himself in helping thousands of individuals good credit, bad credit and all circumstances to qualify for their dream home.  You can reach him at ian.brannon(at)novahomeloans.com or by phone at (520) 618-5636

Note:  I highly encourage you to request licensing info for any loan officer you work with.  Here are Ian’s Credentials – NMLS 205989 / BK 0902429 / Nova NMLS 3087

People have long debated of the difference between house and home. Does home have anything to do with a physical location at all? I challenge you to ponder the true meaning of your home.

Quick tips from Matthew

A home is something that cannot be bought. I find a common mantra with my clients who know exactly what they want to buy but know little of home. Home is created  from sharing with those who matter most in our lives. There you will find a richness of life that all the money in the world cannot buy.

Sites referenced in Podcast

More information

If you are looking to buy or sell a property in Southern Arizona make sure to look Matthew up. You can reach him at 520-344-3481.

confused about life insurance? Meet too, I don’t want to die let alone think about it. But there’s so many more amazing things you can do with life insurance and NOT die. Jared Grant shares them with us in this awesome podcast. Check it out,

Quick tips from Jared

The most interesting thing I hear Jared share was, many people don’t consider life insurance if the person is not working. For instance, a stay at home mom. However, if that person passed away you would not only have grief but a loss of help. You may have to hire a nanny, or employ daycare services. This is one example of where life insurance is so helpful. Nobody can ever replace the loss of a loved one but money helps so you do not experience additional hardship while mourning your loss.

Sites referenced in Podcast

More information

I encourage you to follow up with Jared directly at (520) 447-7900 and obtain a no obligation quote today. Jared is awesome, and will educate you on exactly what’s right for you even.

Everybody should build a new home at least once in their lifetime. It’s GREAT fun. Here are a few tips you should know before speaking with a builder.

Quick tips from Matthew

Building a new home is one of the most fun things you can do. It is however, VERY complicated with a LOT of variables you need to properly document. Always chat with a buyers agent about building a new home before you visit the builder. Negotiating with builders is much different from negotiating on resale and you can easily get lost in the details so it’s important you focus on (1) base price and (2) budget for the design center. Shoping your options, financing, and previewing resale homes first is a must. And lastly remember the builder’s agent represents the builder. They are contractually obligated to get the builder the most money. Your agent is contractually obligated to represent you. Ensuring you have a fair deal means equal representation for both parties. Builders love buyer’s agents and are happy to pay for yours on your behalf. We add a lot to the transaction and make for a smooth process for everybody involved.

Items referenced in Podcast