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Aug 31

Own Vs Rent in 2018

With rising interest rate and home prices, people are asking “Does it still make sense to buy a home?” The quick answer is: IT DEPENDS! In Yuma county, the average single family home sells for about $190,000.  With a 5% down payment, the monthly payment would be roughly $1240 a month.  So how does that compare to renting?  Well there are a few things to consider. Owning means more responsibility If you own your home and something breaks, you have to fix it.  It’s your problem.  There’s no

Aug 7

Do I need to put 20 percent down to buy a house?

In a recent survey, about 30% of millennials felt they could qualify for a house, but couldn’t come up with a down payment.  Why would that be?  Well, it turns out most of them thought they needed to put 20% down. If you fall in this category, I have good news for you.  You do not need 20% down to buy a house in today’s market. How much do I really need to put down to buy a home? If you are purchasing a home to live in

May 24

Renters: Are You Ready to Buy a Home?

Renters: Are You Ready to Buy a Home?

If you would like to buy a house at some point in the future, it is never too early to start preparing.  Between deciding how much of a payment you are comfortable with, saving up for a down payment and maximizing your credit score, there is plenty you can be doing.  Here are some tips and advice that can help you get ready to make the transition from renter to homeowner. Do the Rent vs. Own Math If you are used to renting, there are some homeownership costs

May 4

Relationship Benefits to Owning a Home

Relationship Benefits to Owning a Home
Aug 12

Yuma Down Payment Assistance Update

Yuma Down Payment Assistance Update

Exciting news!  The income and purchase price limits were recently raised for the Home Plus and Pathway 2 Purchase programs! You can now make up to $92,984 annual household income and still qualify for down payment assistance in Yuma! The purchase price limit was also raised, all the way up to $371,936.  With the average house in Yuma currently selling for under $165,000 (for more info, see our recent market update), the real estate market is wide open for these programs! If you are in the market for

Feb 18

First Time Home Buyer

First Time Home Buyer

If you are currently renting, you have probably thought about buying your first home.  As a first time home buyer, you should know that there are special programs for you! If you are concerned about not having enough money for a down payment, don’t worry!  There are several loan programs offering low and no money down.  For example: USDA Loans offer $0 down and low fixed rates for homebuyers who do not own any other property.  While not all areas of Yuma county are eligible for this program,

Feb 2

How to Buy a House in Yuma AZ With Next to Nothing Down

How to Buy a House in Yuma AZ With Next to Nothing Down

The real estate market has been booming in Yuma Arizona over the last few years.  Home prices are slowly but steadily rising, and interest rates are remaining relatively low.  For many people, owning a home is more affordable than renting.  Still, for many potential home buyers, down payment is the biggest concern. The good news is that there are currently quite a few options for buying a home with little to nothing down. VA Loans Between MCAS Yuma and Yuma Proving Grounds, Yuma is home to many active duty and retired

Oct 4

Do You Currently Rent in Yuma Arizona?

Do You Currently Rent in Yuma Arizona?

Home values have started to stabilize in Yuma County, and are even rising in certain neighborhoods.

Nov 30

Black Friday and the Real Estate Market

Black Friday and the Real Estate Market

Nine days prior to the Black Friday opening, people were pitching their tents outside Best Buy to be first in line.  I took a close look at the Best Buy ad.  There were some great deals.  According to my math, the average savings on the front page "door buster" items was 24% off list price.   Toys R Us opened at 10pm Thanksgiving night.  At 10pm, I was standing in line with my wife outside the store, waiting in line to get in.  Actually, I was at the back of the line, which

Jul 23

CMPS Chairman Interviewed on Fox Business

Gibran Nicholas, Chairman on the CMPS Institute, was interviewed on Fox Business about the new Financial Reform Act.  I think he does a pretty good job of staying positive.  I need some more time to digest it before I say anything more, but there's massive amounts of garbage in this new law.