Home financing can be a critical part of any real estate transaction. Below you will find some outstanding mortgage information, grant program funds to help with downpayments, and the tax benefits of owning your own property, these resources will all help you with the purchase or 1031 exchange of your next home in Rio Rico, Nogales, Tubac or other surrounding Santa Cruz County, AZ areas.
- How Much Can I Afford
Getting an idea as to the price of the home you can afford is an important first step in the home buying process.
- Mortgage Calculators
Welcome to my Mortgage Calculators section. Please use the link(s) below to visit the following web sites with mortgage calculators and loans info.
- Mortgage Programs
This section features mortgage program information for home buyers interested in real estate in Santa Cruz County, AZ. Getting the right type of real estate home loan is an important part of the home buying process.
- Know Your Credit Score
The FTC's final ruling under the Fair and Accurate Credit Transactions Act ruled all Americans are now entitled to receive free credit reports every year with no strings attached.
- Best Loan
When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan.
Timing is essential when refinancing a home & understanding some basic information about the process before you proceed.
- Tax Information
Having a higher mortgage can be a huge tax benefit and one of the major benefits associated with real estate ownership.
- Property Tax Benefits
Everyone knows that owning a home is the American dream, but did you know that borrowing to pay for one is a taxpayer's dream?
- 1031 Exchange Property
1031 Exchanges are excellent tools to reduce income taxes. Known both as "tax free exchanges" and "1031 exchanges" this tool allows investors to sell real estate without paying income taxes.
- Mortgage Lenders
Today’s real estate market is very complex. Whether you are sophisticated in the field of real estate finance... or if this is your first experience, you should retain the services of an AMLA member lender.
- Predatory Lending
With the real estate industry still in high gear from the last five years of skyrocketing prices and low interest rates, predatory lending is at an all time high.
- Mortgage Fraud
Financial crimes are one of the fastest growing areas of criminal activity in the United States and one of the fastest growing areas of financial crimes is mortgage fraud.
- Anti-Deficiency Statutes
In Arizona, absent some agreement, rule or statute to the contrary, a lender can generally seek a deficiency judgment after foreclosing on a property securing a loan, if the property does not sell for enough money to satisfy the debt in full.
- Community Property States
Community property states implement the policy that, when a couple gets a divorce, all of their marital property will be equally divided between them.
- Real Estate Glossary
Knowing real estate terms can be of great assistance in buying or selling a home, commercial property, or investment property.