Buyer Resources
Disclosure, negotiating terms, financing, inspection, legal documents...buying a home is an intimidating, complex process. Are you ready? Read the information below, then call a REALTOR® to help make your transaction as smooth as possible.

Financing
How much mortgage can you afford? What kinds of mortgage loans are available? Where can you get help with down payments? There are numerous federal, state, county, and city programs for buyers in almost every situation. Learn to talk "mortgage talk" - escrow, title, appraisals, closing costs, points - and become a informed

Find a Professional
Looking for a real estate professional but not sure where to start? How can you be sure the person you're hiring is qualified to do their job? Membership in a professional association often requires more ongoing education and members are held to higher standards of practice and ethics. Following are organizations that allow you to search their membership for professionals in your area.

Landlord/Tenant
Who do you call when you have a problem?  Your rights and obligations as a landlord or tenant are defined by many different laws and statutes.  The following resources will help you find the answers to your questions.

Residential Landlord and Tenant Act
Arizona Revised Statutes Title 33, Chapter 10.  updated with laws effective September 19, 2007.
Tenant Rights, Laws and Protections
Arizona - Fair housing questions? Contact Neighborhood Services Department at 602-256-3517

Homebuyer Tax Credit Expanded and Extended through April 30, 2010!
It’s official! President Obama has signed the Unemployment Insurance Bill, which contains the Homebuyer Tax Credit extension and expansion.

A Buyers' and Sellers' Guide to Multiple Offer Negotiations
A helpful guide for buyers’ and sellers’ to understand presenting and negotiating multiple, competing offers to purchase the same property.

Fair Housing
The Fair Housing Act and other federal and state laws have been enacted to guarantee equal housing opportunities for all Americans. These laws prohibit discrimination in housing on the basis of race, color, religion, sex, national origin, disability, and familial status. Arizona Attorney General If you think you have been discriminated against in a real estate transaction, find out who to contact and what your options are.

Arizona Attorney General  If you think you have been discriminated against in a real estate transaction, find out who to contact and what your options are.

National Fair Housing Advocate Online

A comprehensive guide to housing and mortgage for people with disabilities