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Bliss Realty & Investments Blog

Wednesday, March 20, 2024   /   by Tanesha Boler

What can the client expect at their closing as the buyer and what to bring and who should be at the closing?

At the closing as a buyer, the client can expect several key activities and should bring certain documents. Here's what they can anticipate:
1. Signing Documents: The buyer will sign various documents related to the purchase of the property, including the mortgage loan documents, the deed of trust or mortgage, the promissory note, and the closing disclosure.

2. Reviewing Documents: The buyer will have the opportunity to review all the documents before signing and ask any questions they may have. The closing agent or attorney will explain the purpose and significance of each document.

3. Payment of Closing Costs: The buyer will be required to pay any remaining closing costs and fees, such as the down payment, lender fees, title insurance premiums, and escrow fees. These payments are typically made by certified check or wire transfer.

4. Receiving Keys: Once all documents have been signed and funds have been disbursed, the buyer will receive the keys to the property and officia ...

Sunday, March 10, 2024   /   by Tanesha Boler

Purchasing a Home after Bankruptcy

Navigating Homeownership After Bankruptcy: A Guide to Buying a Home with a Financial Fresh Start
Introduction

Filing for bankruptcy can feel like hitting rock bottom financially, but it's important to remember that it's not the end of the road. Many people successfully rebuild their finances and even become homeowners after bankruptcy. In this guide, we'll explore the steps you can take to purchase a home after filing for bankruptcy, including the different types of bankruptcies and the waiting periods associated with each.

Understanding Bankruptcy

Bankruptcy is a legal process designed to help individuals or businesses eliminate or repay their debts under the protection of the bankruptcy court. There are several types of bankruptcy, but the most common ones for individuals are Chapter 7 and Chapter 13.

Chapter 7 bankruptcy, also known as "liquidation bankruptcy," involves the sale of non-exempt assets to repay creditors. After the process is complete, remaining eligible d ...

Tuesday, February 27, 2024   /   by Tanesha Boler

Understanding USDA Loans: A Complete Guide

Introduction:

When it comes to purchasing a home, finding the right financing option can be a daunting task. Among the various loan programs available, USDA loans offer a unique opportunity for homebuyers in rural and suburban areas. In this guide, we'll delve into the details of USDA loans, explaining what they are, how they work, and who is eligible. It's important to note that each USDA loan deal may have different terms, and this blog is for informational purposes only.
What are USDA Loans?

USDA loans, also known as Rural Development loans, are home loans backed by the United States Department of Agriculture (USDA). These loans are designed to encourage homeownership in rural and suburban areas by offering affordable financing options to eligible borrowers. USDA loans are unique in that they require no down payment, making homeownership more accessible for those who may not have significant savings for a down payment.
How Do USDA Loans Work?

USDA loans are available to! ...

Monday, June 12, 2023   /   by Tanesha Boler

Brand New Construction Home!!! Call or Text for More Information!!

Introducing your newly built Dream Home!!!!!
 
This newly built home offers an array of features and benefits that make it an absolute gem in today's real estate market. Picture yourself stepping into a space that has never been lived in before!! With brand new finishes, fixtures, and a beautiful layout, this level of customization truly feels like your home from the moment you walk through the door.
 
Maintenance concerns will be a thing of the past. With brand-new components and systems, you can rest easy knowing that major repairs or replacements are unlikely to be needed anytime soon. Additionally, our comprehensive warranty coverage ensures that any issues that do arise will be promptly addressed, providing you with peace of mind and protection for years to come.
 
Situated in Arizona City, this new home not only secures an exceptional living space for you and your family but also holds tremendous potential for future appreciation. As the surrounding area cont ...

Thursday, June 8, 2023   /   by Tanesha Boler

How To Go About Getting Pre-approved For A Mortgage

Getting pre-approved for a mortgage is an important step in the home buying process. Here's a general guide on how to go about getting pre-approved:


1. Gather Your Financial Documents:
Prepare essential financial documents such as pay stubs, W-2 forms, tax returns, bank statements, and any other documentation that showcases your income, assets, and debts.


2. Research Lenders:
Research different lenders and compare their mortgage programs, interest rates, fees, and customer reviews. Consider both traditional banks and credit unions, as well as online lenders.


3. Contact a Mortgage Lender:
Reach out to your chosen lender and schedule an appointment to discuss your pre-approval. This can often be done in person, over the phone, or online.  If your already working with a Realtor they may also suggest a lender.


4. Complete a Mortgage Application:
Fill out the lender's mortgage application form. Provide accurate and detailed information about your employment ...
Bliss Realty & Investments
1530 E Williams Field Rd, #201
Gilbert, AZ 85295
480-447-7442

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