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First Primier Real Estate Group

Todd Talbot
Tama Talbot Ortiz


Home Purchase Process

What Buyers Can Expect in an Extreme Seller's Market

In recent Blogs we have covered how extreme a seller’s market Maricopa County really is.  Being only 3,000 residential units away from the lowest inventory the Valley has ever seen and having thousands of people moving from various states;

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Credit Karma vs The Real World

July 18th, 2018 11:15am

Recently I spoke with a client who I have been working with for about one year.  She is working towards clearing credit issues to increase her credit score to the minimum requirement of 620/640 for the available down payment assistance programs.

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Insurance...What Type of Policy Do You Have?

The mission of an insurance policy is to bring the party at loss, back to where they were before the loss occurred.  It is difficult for an insurance company to replace the exact same appliances, colors, brands or models of any belongings lost in a flood, fire or other insurable event, nevertheless replacing those same items with similar wear and tear. 

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Look Out for Fees Ahead!

April 15th, 2018 2:55pm

There has been a lot of talk lately about two companies that have entered the Phoenix real estate market and are claiming their purchase model is going to disrupt the way real estate is done.  Open Door and Offer Pad have been present in the Phoenix market for a little over a year with Zillow just announcing they will join the game. 

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Don't Fret The Dreaded Interest Rate Increase

There is often a certain degree of panic in the real estate world when mortgage interest rates begin to rise.  Let’s take a look at some reasons why interest rate increases are NOT the end of the world.

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Mortgage Payment Chart

October 15th, 2017 10:04am

In our daily work, The Talbot Team talks to many folks who don't know how to match a payment with a purchase price.  Here is a guide to help sort out just that.

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Owning v. Renting - A Look at Your 5 Year Gain

Below is a breakdown of the financial benefits of owning a home versus renting at the same payment level, over a 5 year period.  Everyone knows there's a benefit for owning a home. 

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How Long Must I Wait? - BK-Short Sale-Foreclosure Waiting Periods

I hear that question many times when potential buyers have had a foreclosure, short sale or have filed for bankruptcy in the recent past. Known as rebound buyers, or bounce-back buyers, this group of active home seekers are making a big difference in the Phoenix area real estate surge. 

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Paying Too Much In Federal Income Taxes?

It’s no surprise to most people that buying a house provides big federal income tax breaks.  Below we’ve included a real example of how much this actually equates to. 

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Put Your Money Where Your Mouth Is

November 22nd, 2016 12:29pm

If anyone can screw up an otherwise perfect real estate transaction, it's a lender.  There seems to be a flaw in the function and form of the way mortgage brokers are related to the terms of a real estate Purchase Contract.

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Keys and Close of Escrow

June 20th, 2016 1:42pm

In my many years as a real estate professional, I have learned the day of closing has always been either the best part or the worst part of the home buying process.  I think the biggest part of the problem is that almost every buyer I represent thinks they get their keys when they sign the documents at the title company. 

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Talbot Team Real Estate