Marlyn El-koussa Mortgage Loan Officer NMLS 1028587

Let me help you fall in love with buying a home 🏠♥️

Are you a First-Time Homebuyer wondering where to start? Here’s a step-by-step checklist to get you going:

• Check your credit score
• Clean up your credit
• Figure out how much you can afford
• Find a loan officer you trust
• Get pre-approved
• Find out what you need for a down payment and closing costs
• Start saving money for down payment and closing costs
• Search for a realtor or ask your loan officer for a referral (we consistently work with the same realtors we trust to take care of our you!)

So by now we all know the first step to buying a house is getting pre-approved. But what all goes into this process? Your lender will ask you for the following documentation in order to put together your pre-approval. Think of it as a list of ingredients for your home buying recipe!

🧁 Identification (drivers license/photo ID, passport, etc.)

🧁 Income (paystubs, w-2’s, tax returns, etc.)

🧁 Debt (credit cards, auto loans, student loans, etc.)

🧁 Assets (bank statements, retirement, etc.)

🧁 Any other necessary documents (rent history, alimony, etc.)

Easy as pie 😉

“Two roads diverged in a wood, and I—
I took the one less traveled by,
And that has made all the difference.” - Robert Frost

Arizona has some of the most breathtaking scenery and adventure destinations to explore. Come experience the beauty it holds and let it bring out the adventurer in you 🏜️

Many people think the first step to buying a home is speaking to a realtor. Believe it or not, the first thing you want to do is get pre-approved for a loan! Getting pre-approved will tell you how much you can afford and how much the lender will let you borrow.

This is where I come in. With a pre-approval, when you find “the one” you want to put an offer down on, you will be able to show the seller you are a serious buyer who can afford to buy their home.

So when you’re ready to get pre-approved, or just have questions, I’m here to help 🙂

Many people think the first step to buying a home is speaking to a realtor. Believe it or not, you really want to get pre-approved for a loan first! This way when you go home searching and find “the one”, you can show the seller your offer is solid with a pre-approval showing you can afford to buy their home.

So what documentation will you need to provide your lender with for a pre-approval? Here is the list:

Not all things should be new this year when you have amazing customer service, the fastest closing times, and more loan options than any other lender! If you’re thinking of buying a home this year, I’m here to help every step of the way 💪🏻

Believe it or not, the Arizona market is hot! With fast rising interest rates and a dramatic increase in homes for sale, buyers are more cautious and price sensitive. The latest stats show the median price of Phoenix metro homes declines by almost 5% in the past two months. So why not take advantage of this market and it’s lowering home prices while it lasts?

Did you know Phoenix is one of the fastest growing metropolitan areas in the country, with over 3 million residents moving here between 1980 and 2020?

Happy 4th of July and thank you to all those who continue to serve to keep us safe and free 🇺🇸