eXp Realty - Alluring Lifestyle Properties
Alluring Lifestyle Properties

Mortgage Rates have gone up quite a bit compared to the previous years numbers but historically these are not bad rates.

1981: The all-time high for mortgage rates – see the chart below.

The average mortgage rate in 1981 was 16.63 percent. And that’s just the average — some people paid more. For the week of Oct. 9, 1981, mortgage rates averaged 18.63%, the highest weekly rate on record, and almost five times the 2019 annual rate.

 

We have many Great Finance Options for You!

Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Our Preferred Lenders at Fairway Independent Mortgage Corporation offer a variety of loan options that can help you achieve home ownership with the speed and service you deserve. Plus they are dedicated to finding the right loan with great rates, terms and costs to meet your specific needs.

We have an Online Form you can use to apply down below or you can just call JD Doolin directly to discuss your options before applying.

We can help you into a new property whether you are a First Time Buyer, possibly even needing some Credit Restoration, all the way up to a Potential Cash Buyer who may prefer to Borrow rather than Tie Up all that Cash that could be used more Productively.

So what if you find out you’re still not ready?

If you are just unsure or maybe do not trust the market enough to move forward with a Mortgage Loan drop to the bottom of this page and check out our “Rent to Own” opportunity.

You can still choose any house we find for you on the MLS or even off market FSBO’s and we have a Program where the House is purchased for you and you can Lease it for up to 5 years before you decide to buy or at the end of any one of those years you can choose to just walk away. Go to the bottom of this page and check it out if this is you.

If You will Do a Cash Purchase

You will only need a Proof of Funds to Submit with Your Offer. Of course all of the money goes through Title & Escrow and since they do not accept bags of cash, the money is transferred or wired to them and we do have an App for Secure Transfer of Earnest Money Deposits.

Finance the Purchase, Leave Your Cash Invested

If you do have all the Cash you need to do your Purchase you may very likely prefer to take out a Low Interest Conventional Loan for the Property and leave your Hard Earned Cash wherever you have it Invested so it can continue to grow.

Finance a Purchase then Sell

In this Sellers Market if you are Well Off Financially and able to Buy your Next Property before Selling your Existing Property you will be in a much more solid position to get it all done with minimal stress. Once you are about half dug into your Next Home it will be all downhill when Selling your Existing Property.

FHA Loan Highlights

FHA loans are widely used by first-time home buyers and people with low-to-moderate incomes since this government-insured mortgage features:

Low down payments

  • Flexible income and credit requirements
  • Fixed- and adjustable-rate mortgages
  • Loans for 1-4 unit properties and condos may be available
  • Down payment funds can be a gift from a relative or employer*
  • Home sellers can contribute up to 6% of the closing costs
*Subject to underwriting review and approval.

VA Loans
Welcoming Veterans Home

Here at Fairway, we are proud to help our Service Members and Veterans achieve the American Dream of home ownership.

Home loans backed by the Department of Veterans Affairs (VA) provide affordable home financing options for eligible Service Members, Veterans and surviving spouses.

VA Loan Eligibility

In order to be eligible for a VA loan, you must first obtain a valid Certificate of Eligibility (COE). Your COE is based on length of service or service commitment, duty status and character of service.

VA Loan Highlights

Since VA loans often require no down payment* with lower closing costs, you can help keep your savings secure. VA loans also feature:

No prepayment penalties

No private mortgage insurance (PMI)

100% financing with full VA entitlement*

Fixed- and adjustable-rate mortgages

VA financing fees can be “rolled” into the loan amount

*A down payment is required if the borrower does not have full VA entitlement or when the loan amount exceeds the VA county limits.

Have You Applied Yet ???

Getting Fully Pre-Qualified is the First Step of the Home Buying Process if you are going to take advantage of Financing! This can happen in as fast as 1 day or so if you submit all of the required documents in a timely manner.

Click that Button to go to your Online Application or Call to discuss first.

Questions? Contact JD Doolin  | Loan Officer

[email protected]  | Cell: (480) 694-2566

Not Ready for a Mortgage? We have a Program Designed for You!

Whether you’re ready to settle down but haven’t been able to save, or are just not ready to commit, Pathway Homes is the perfect solution. Find the perfect home, let Pathway purchase the home, and lock in your rent for five years.

With Pathway you’ll always have the option to purchase the home at the pre-agreed price but no obligation.

If it’s needed Fairway Mortgage can work with you during your time renting on a Credit Restoration Program to get you ready for your Future Home Loan.

Click on an Image Below to Learn More or to Apply:

PATHWAY HOMES
PATHWAY HOMES AGENT PARTNER
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Please tell us a little about what we can do to help you and the best time to call you back. We will get back to you very quickly. Text any time night or day, I will return the message in the day, sometimes sooner if it's urgent.

(602) 471 1281

EQUAL HOUSING OPPORTUNITY REALTOR

Fair Housing Act

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Fair Housing Statement

It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related activities. The Fair Housing Act prohibits this discrimination because of race, color, national origin, religion, sex, familial status, and disability. A variety of other federal civil rights laws, including Title VI of the Civil Rights Act, Section 504 of the Rehabilitation Act, and the Americans with Disabilities Act, prohibit discrimination in housing and community development programs and activities, particularly those that are assisted with HUD funding. These civil rights laws include obligations such as taking reasonable steps to ensure meaningful access to their programs and activities for persons with limited English proficiency (LEP) and taking appropriate steps to ensure effective communication with individuals with disabilities through the provision of appropriate auxiliary aids and services.

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MLS® Disclaimer

2022© Arizona Regional Multiple Listing Service, Inc. All rights reserved. All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Information deemed to be reliable but not guaranteed. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. Only IDX residential listings are displayed on this site. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify perspective properties consumers may be interested in.

© 2022

Alluring Lifestyle Properties
Ed Long - REALTOR®
Lic. SA699086000
San Tan Valley, AZ

eXp Realty

Chandler Arizona
Broker In Charge:
Cathy Swann
888-897-7821

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