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Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!  You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. In the pre-qualification process, you will find out: - Exactly how much home or land you can afford. - How much cash you will need for the down payment. - The minimum down payment, and advantages of higher down payments. - What the bank feels you can afford for a monthly payment. We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Bullhead City, Mohave Valley and Fort Mohave real estate agents to offer services such as these. Once you fill out the form, we will quickly process your information and get right back to you! We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation...
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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What acclaimed house built of stone, concrete, and glass is built over a waterfall?
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Fallingwater in Mill Run, PA, built by architect Frank Lloyd Wright, is one of the most-visited homes in the U.S.
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Vickie and Chuck Polston
Keller Williams, River Cities Specialist
5635 Highway 95, Suite G
Bullhead City, AZ 86426
Tel: 928-727-2501
Fax: 928-768-2516
Email: vickieandchuckpolston@NUMBER1EXPERT.com
As residents of Mohave County Arizona, Chuck and I have become familiar with land and homes of the Tri- State area. Our passion for the Colorado River and the community surrounding the area, golfing and gaming at the local casinos in Laughlin, Nevada has not only given us a look into the community's future home growth but allowed us to develop a reputation for marketing, follow-up skills and motivation.
As your local Arizona Realtors® in Mohave County, we will work harder and longer to find the right lots, property, home, or investments to meet the needs of our clients.
Throughout our years in the Mohave Valley area, we have developed a network of investors and contacts to better serve the needs of our clients. Whether you are buying, selling acreage, new or used homes, or investing with us as your Arizona Realtors®, "no phone call will go unanswered, and no appointment will be missed!"   
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NUMBER1EXPERTS™ in real estate for
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