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Find your home.
From your first search to the keys, how Jan helps you buy a home in Arizona.
How do you buy a house in Arizona?
To buy a house in Arizona, get pre-approved for a mortgage, choose a buyer's agent, search and tour homes, make an offer, complete the inspection and appraisal during escrow, then sign and close. After an accepted offer, closing commonly takes about 30 to 45 days.
- Get pre-approved and set your budget.
- Choose a buyer's agent.
- Search and tour homes.
- Make an offer and negotiate.
- Open escrow and schedule the inspection.
- Complete the appraisal and loan approval.
- Sign, close and get the keys.
Buying a home in Arizona is a series of decisions, and most of them are easier with someone who knows the market and the process. Jan helps buyers find the right home and the right terms, whether it is a first home, a move-up, a downsize or an investment.
Her approach is to start with a conversation, not a sales pitch: what you need, what you can comfortably afford, and where you want to live. Then she builds a search around that and handles the details.
How buying a house in Arizona works
Most purchases follow the same path, and knowing the steps takes a lot of the stress out.
- Talk with Jan and a lender, and get pre-approved so you know your budget
- Decide your must-haves, then search the right areas and home types
- Tour homes, then make an offer with Jan's guidance on price and terms
- Do your inspection and appraisal during the contract period, and negotiate repairs if needed
- Complete your loan, final walk-through and closing, which typically takes about 30 to 45 days after an accepted offer
What does it cost to buy a house in Arizona?
Beyond the purchase price, plan for a down payment, closing costs, earnest money, and inspection and appraisal fees. Arizona does not charge a state real estate transfer tax, but there are lender, title and recording fees.
Down payment assistance can reduce what you need to bring to closing. Jan specializes in it, and can tell you which Arizona programs you may qualify for.
- Down payment, which depends on your loan type
- Closing costs, such as lender, title and escrow fees
- Earnest money, credited to you at closing
- Inspection and appraisal fees, and prepaid items like insurance and taxes
Foreclosures, new builds and no-down-payment options
Buyers often ask about foreclosures, new construction and buying with little or nothing down. Each has its own rules. Jan can explain how bank-owned homes are sold, how builder contracts differ, and which loans and assistance programs can reduce your upfront cash.
Frequently asked questions
How do I start the home buying process in Arizona?
Start by talking with Jan and a lender to get pre-approved. That tells you your budget and shows sellers you are serious. Then Jan sets up a search around your must-haves and the areas you like.
Do I need a buyer's agent?
You are not required to have one, but an agent helps you find homes, price offers, negotiate and avoid mistakes in the contract and inspection period. Jan represents you, the buyer, from search to closing.
When is the best time to buy a home in Phoenix?
There is no single best month, since prices, competition and interest rates all move. The best time is when you are financially ready and have found a home that fits, and Jan can tell you what the market looks like right now.
Can I buy a home with no down payment in Arizona?
Some loan types and assistance programs can reduce or even eliminate the down payment for qualified buyers. Eligibility depends on income, credit and the program, and Jan can tell you what you may qualify for.
Ready to get started?
Tell Jan what you are hoping to do and she will map out your next steps.