The Reeves Team – Gilbert Real Estate
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First Time Home Buyers
The Valley offers great opportunities for first time home buyers. Lenders are familiar with various programs that limit the “cash” outlay for buyers and helpful for first time buyers. As your professional Realtor, We are here to help you. Outlined below are “The Steps to Home Ownership “ which will begin to familiarize you with the home buying process. The Steps to Home Ownership First, we want to get to know you and find out about your dream home. When we have identified your needs, we will search the market for homes that meet your criterion. Then we can take a tour and further identify specific elements you are looking for in a home. We want you to be comfortable with us and know that we work for you. It is our job and goal to make sure you are happy and satisfied with your new home choice. Pre-Qualifying For a Home Loan As your Realtors, we can connect you with a selection of proven lenders. If you have already met with a lender and feel comfortable with the lender that poses no problem as we can work with you on any level. Credit Of course your credit report determines…
Home Search
Welcome to one of the very few Gilbert Real Estate websites that provides you with full MLS Home Search access. Below you’ll find a variety of home search options, from property type, to neighborhoods, schools, land size and more. Once you’ve found some houses that you’re interested in seeing in person, contact us immediately and we’ll get the ball rolling. However, we ask that you take just a moment to wait for the MLS Home Search to load. Thank you!
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Short Sale
Short Sale F.A.Q.
1. What is a short sale? A short sale is the process by which homeowners can sell their home for less money than they actually owe on the mortgage. If the sale is approved, the mortgage lender will actually take a loss on the mortgage, not the borrower. If a bank approves the discount of a mortgage, the home can be sold for a price lower than the amount owed without the seller having to come up with cash to cover the shortfall. The mortgage is satisfied and any foreclosure process stops. 2. How does the bank decide what price to put on the property? This is specific to the bank. Every bank has a different method of determining if it should accept a short sale. 3. What is the ideal situation for a short sale? Most short sales are considered on properties heading toward foreclosure. A home is considered in foreclosure if it is behind at least 3 payments. Also, the homeowner typically has negative equity in the home. In other words, the total balance owed to the lender is equal to, or greater than, the price at which the house can be sold. The homeowner must also have…
H.A.F.A. FAQ’s
Who is eligible for HAFA? The borrower must meet the basic eligibility criteria for HAMP: Principal residence First lien originated before 2009 Mortgage delinquent or default is reasonably foreseeable Unpaid principal balance no more than $729,750 (higher limits for two- to four-unit dwellings) Borrowers total monthly payment exceeds 31% of gross income How is the program being implemented? Supplemental Directive 09-09 (November 30, 2009) gives servicers guidance for carrying out the program. A short sale agreement (SSA) will be sent by the servicer to the borrower after determining the borrower is interested in a short sale and the property qualifies. It informs the borrower how the program works and the conditions that apply. After the borrower contracts to sell the property, the borrower submits a “request for approval of short sale” (RASS) to the servicer within 3 business days for approval. If the borrower already has an executed sales contract and asks the servicer to approve it before an SSA is executed, the Alternative RASS is used instead. The servicer must still consider the borrower for a loan modification. What are the steps for evaluating a loan to see if it is a candidate for HAFA? 1. Borrower solicitation and…
Mortgage Relief
This Arizona Real Estate Agent Follows Car Company Promise Real Estate veteran and community advocate, Troy Reeves, of RE/MAX Alliance Group, is now offering the Mortgage Relief Package program to new homeowners who may be worried about losing their jobs. Home buyers who purchase a home from Troy Reeves and The Reeves Team, in 2009, will find peace of mind when they learn that this real estate professional is offering to make your house payment for you – for up to 120 days – if you lose your job over the next year! ”After 15 years in East Valley real estate, this is my way of giving back to our community. With unprecedented prices and historically low interest rates, we have removed the last obstacle keeping buyers from becoming homeowners. This promise only helps in this uncertain time.” says Troy Reeves. Troy Reeves and The Reeves Team are real estate industry innovators with over a decade of experience and hundreds of satisfied clients. Troy Reeves has created industry firsts, like: “One Hour Return Call or Dinner For Two Is On Us” “The 90 day Sale program” Troy Reeves was also one of the first REALTORS® in Arizona to create a…
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Balloon Ride
Come take a free ride on our tethered RE/MAX hot air balloon. Great fun for the kids and family. Best part is, it is free! RE/MAX tethered hot air balloon ride. Saturday February 28th from 9am-noon. Park behind our office at 725 W Elliot Rd, Gilbert AZ 85233
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