CARING ROOTS
WWW.LOZADAREALESTATE.COM
TABLE OF CONTENTS
· Who are we? · The Market Today: Why it’s a good time to invest now? · West Valley Expansion
goodyear community park
estrella falls regional mall
main event shopping plaza
· Why is it important to hire the service of a REALTOR®? · Steps for Buying/Selling · Getting Pre-Qualified · Home Buying Programs
0 down-payment assistance programs
· Saving Money: Going Green
solar panels
· Real-Life Testimonies
LET YOUR HEART HIT HOME WITH
PRO SMART REALTY
Committed, dedicated and excited to serve YOU and you’re needs. We are advocates for finding your dream home without pressure to purchase. Our goal is to help you find what you’ve always envisioned, along with exceptional service and people you can trust like family. Our team consists of organized, time conscience and caring professionals who only want your best interest at heart. We pride ourselves in facilitating quality service and delivering a future you can depend on. Take our hand and all your stress will be left at the door. Home is where the heart is; let US bring home to YOU.
IT’S A BIG STEP, BUT EVEN BIGGER HEARTS ARE EQUIPPED TO HELP YOU GET THERE. A message from your team: Hey there, my name is Cristina Lozada, agent and contact for all you’re future home requests. Before anything, I’d like to thank you for reading this piece. I have dedicated my life in helping others and making an impact in our community. I aim to bring you an enjoyable and positive experience that will break the stigma of first-time home buying. This process should be exciting and a new chapter in your life that you’ll cherish as you continue delving into new goals for your future. Whether it’s purchasing or selling a home, I’m prepared to help you accomplish either service in as little time as possible. With servant-minded hearts, we hope to be a part of your success in becoming a home-owner. Your future is one call away.
Phoenix will be No. 1 housing market in 2017 – Realtor.com
WHY IT’S A GOOD TIME TO
INVEST NOW!
There are many factors that contribute in ultimately making a decision to buy or sell. But some things we may never quite find the “perfect timing” this is why it is crucial to partner with professionals in the business. Not only will we give you updates of the housing market, we are constantly on the lookout to get you the best deal for your money. It’s not everyday you buy a home; this is why our years of experience with our clients buying and selling homes will give you ease and peace of mind. We specialize in the West Valley of Arizona. It is on the rise, several reports have been made claiming West Valley land is on track to increase in value, moreover, steady growth in sales and price has Realtor.com saying: “Phoenix will be No. 1 housing market in 2017” particularly in the west valley. While interest rates are inching, you don’t want to miss the opportunity of current affordable home prices. Streetscout.com says: “Home sales are climbing in the Central West Valley as more people opt to buy bigger houses for lower prices. Homebuilding is also on the rise here. Several communities are planned on big tracts of former farmland in the Central West Valley.” Along with getting the best bang for your buck, there are several other developments and projects well on their way.
www.adelantehealthcare.com
West Valley Expansion One of the many exciting projects coming soon is the new Adelante Goodyear Health Center scheduled to open in 2018. Groundbreaking held place April 28, 2017 and the center is expected to be 45,000 square feet. Multidisciplinary in its roots, this new center will offer internal and family medicine as well as women’s health, dental, and pediatrics. Furthermore, the new construction is partnering with the West Valley hospital, Abrazo. What’s more, the partnership will also be a part of another project with the City of Goodyear to create a new greenspace health park.
Goodyear’s Community Health Park VISION The Goodyear Community Health Park will be a nationally recognized park that deploys innovative wellness amenities to favorably affect health behaviors and enhance critical care and heating, and promotes a culture of wellness, consistent with Goodyear’s vision to be a city that supports healthy lifestyles and the environment in the west valley. PURPOSE The Goodyear Community Health Park exists to provide park amenities and programs designated to improve the physical and emotional wellbeing of the community by promoting active, healthy living and opportunities for recovery from injury or other conditions in a park-like setting. www.goodyearaz.gov
POTENTIAL AMENITIES • Multi-Use and Wellness Trail • Corporate Wellness Village • Performance Village • Abrazo West Campus Active Living and Community Wellness Center • Cancer Treatment Centers of America® • • •
Garden and Education Center Action Sports Village Desert Wellness Garden Family Activity Village
Harkins Estrella Falls 16 You no longer have to travel all the way to the east Valley to experience a luxury theater; it can be right down the street from your future home! If you’ve made your way towards the West Valley you’ve probably passed by the enormous new Harkins development that is only part of the new project in the making: Estrella Falls regional mall. This theater is a whopping 78,000 square feet and features the widest screen in Arizona! If that isn’t enough to convince you to schedule a family night, the theater also includes Ultimate Loungers made for comfort with exclusive plush. The leather seats and in-lobby cocktail bar are sure to make you want to kick up your feet and relax as you recline to feel right at home.
Mark Boisclair Photography Inc.
www.goodyearaz.gov
Estrella Falls Regional Mall Among all the exciting projects coming to the West Valley, this one is at the top of the list and it may just be the largest! 2 million square feet and spanning across 300 acres of land, this is the largest project yet to grace the West Valley. Dining, shopping, entertainment, what else could we ask for? Before plans to build this regional shopping center, residents would have to depend on Westgate for entertainment and dining. Conveniently located at Interstate 10 between Bullard Ave. and PebbleCreek Parkway, West Valley’s trifecta of healthcare, entertainment and new wellness park plans makes it the perfect location to settle down and truly live life abundantly.
WHY IT’S IMPORTANT TO HIRE THE SERVICE OF A
REAL ESTATE AGENT
Buying or selling your home can be exciting but it has its fair share of stresses as well. With so many houses on the market the feeling of excitement can make a quick turn for overwhelming emotions. This is why hiring professionals to narrow down your options may be the better alternative.
4 Reasons to Hire an Agent 1. Paperwork
2. Negotiating
Weather this is your first time purchasing a home, or perhaps your third… there never fails to be a trail of endless paperwork to fill out. Contracts, agreements, letters, it’s all so time consuming, luckily with the help of an agent, you’ll be spending a lot less time worrying about paperwork and getting a lot more guidance to successfully get you through it.
We all want the best deal right? Well sometimes, it’s better to let the pro’s take care of it. Home buying/selling can be a fickle process. This is why it is crucial to know the tricks of the trade. Avoid all the back and forth headaches and all the different people you will have to answer to when trying to negotiate your home. Let us save you time and stress; it will be well worth it in the end!
3. Value
4. Market Knowledge
Avoid making a rookie mistake by incorrectly pricing your home and having to decrease the value to sell faster while it’s on the market. You will only be disappointed by the time wasted showing the property to the wrong buyers. You will need a professional unbiased opinion about the true value of your home. You never want to over-price or under-price your home and there is no other way to truly know the market unless you were spending majority of your time keeping track...our advice to you, just hire the agent!
Which brings us to our fourth reason. There are so many resources available that claim have the most up-to-date information on the housing market. The best way to really know what is happening in your area is to consult with an agent. They will better guide you towards pricing your home at the value it is worth and tell you the truth about future offers you tend to put towards purchasing a home. Save yourself from over spending.
The Bottom Line... Just as you wouldn’t purchase a cash-intensive product without doing your fair share of research, same rule applies for first time home-buying, only you don’t have to! Pro Smart Realty is equipped with professionals in the business ready to answer all your questions. Whether it’s about the history of the home or what the best financial decision is for your family, we take time to truly get to know our clients to find them the home they have always wanted without the worry of affordability.
STEPS TO BUYING A HOME
Analysis with Mortgage Planner
Loan Application Income/ Assets/Credit
Income/Asset Documentation Submission
Final Loan Pre-Approval (Credit Approval)
Start Looking for Property with Real Estate Agent
Ready to Order Closing Documents (Loan Docs)
Final Loan Full-Approval (Complete Approval)
Lender Submits Full File (with appraisal) to Underwriter
Inspections (for buyer) and Appraisal (for lender) Ordered
Submit Offers/ Offer Accepted
Closing Documents (Loan Docs) Are Emailed to Title
Escrow Officer Prepares Documents for Signing
Buyer and Seller Sign Closing Documents
Escrow Officer Faxes Required Documents to Lender for Funding
Lender Funds Loan/Escrow Officer Records
Congratulations On Your New Home! When it comes to purchasing a home, it is important to have all your ducks in a row. This means knowing what you can afford and preparing yourself financially to qualify for the home you are looking to buy. You want to make sure you don’t have any outstanding debts or delinquencies. When you first meet with a loan officer, they will go over all of your finances with you and run your credit score. There are a few things you should be aware of as a first time buyer. Our loan officers are very knowledgeable and will do everything in their power to make this a smooth process.
Your total monthly debts (including your mortgage)
SHOULD NOT EQUAL MORE THAN
43%
of your monthly income before taxes
Reducing your available credit can actually
DECREASE
your credit score
GETTING PREQUALIFIED? Call our Loan Officer, Martha Rodriguez, for all your inquiries
623-326-7518
PROGRAMS AVAILABLE FOR
HOME BUYERS Home in Five offer:
Grant for up to 3.5% of the loan amount, determined by credit score. Buyers in qualifying public service roles receive special incentives specific qualification criteria:
Household income
must be below $88,340 AzHFA HOME PLUS offer:
Grant for up to 5% of the loan amount
special qualification criteria:
Household income
must be below $92,984. Home’s price must be below $371,936.
SAVING AND
GOING GREEN Looking for a way to go green while saving green? The time to go Solar is now! Save money while simultaneously conserving energy in your home. Vida Solar is a company dedicated to provide the best solar panels in the business. Call now to learn more! 623-326-7518
REAL-LIFE
TESTIMONIES Adam & Athena: Adam: When Athena and I decided to purchase a home we were both lost, we would both be buying a home for the first time while starting our careers fresh out of school. Athena had just graduated with an undergrad degree and I had just graduated with a graduate degree, needless to say we were both fresh out of the womb when it came down to this whole “adulating� process. We knew we needed the right guidance and someone we could trust. We had heard from word of mouth that Cristina was a trustworthy and loyal agent that we could count on, so after the exchange of conversation and meeting with her we decided to work together in finding our new home. We began by telling her what kind of home we were interested in and within less than a week she had a list of homes that fit our wish list! From beginning until end, Cristina and her team did everything possible to make buying a home an easy and smooth process. Not only was she in constant communication with us, but she took the time to explain the process of home buying and answered all of our questions with complete truth and honesty. We had such a great experience we tell all of our friends interested in home buying about Prosmart Realty!
CRISTINA LOZADA
Your Trustworthy REALTOR®
602-460-4295
PROSMART 1805 N 91ST AVE SUITE 105, PHOENIX AZ 85037 602.460.4295 | WWW.LOZADAREALESTATE.COM