For Home Buyers:
Why Buyers Choose Sarah Buchanan - Why homebuyers looking for a real estate agent in the Chandler, Gilbert and Queen Creek area choose Sarah Buchanan.
Latest Listings - Get Sarah Buchanan's latest Chandler, Gilbert and Queen Creek listings of homes for sale first!
Find Your Perfect Home - Sarah Buchanan will search for your ideal home and email you the newest Chandler, Gilbert and Queen Creek MLS listings of properties in Maricopa and Pinal County AZ.
First Time Homebuyers - Are you a first time homebuyer in Chandler, Gilbert and Queen Creek, AZ? Choose a top real estate agent. Sarah Buchanan can guide your home buying search.
Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Chandler, Gilbert and Queen Creek house or other real estate or property.
Go to Main Sitemap - Main sitemap sections include Find Chandler, Gilbert and Queen Creek Homes, For Home Buyers, For Home Sellers, Chandler, Gilbert and Queen Creek Information, Real Estate Resources, and About Sarah Buchanan.

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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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Nearly every state has a mandate for seller disclosure. What must a seller disclose?
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The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Sarah Buchanan Realty Executives 2450 S. Arizona Suite 1 Chandler, AZ 85286 480-510-0289 Fax: 480-355-8929 Sarah@findanyazhome.com
I have been a realtor for over 11 years in the Arizona market most notably in the Maricopa and Pinal counties. I have accomplished agent of the month for the Chandler-East valley with Remax. My success over the years has been a perfect balance between listings and prospecting for clients to find the house of their dreams. With my vast network of lenders at my disposal, I can assist you in finding the right lender for you to ensure you understand any challenges you may face in the loan process as well as determining what you may qualify for. Call me and Make the Move That’s Right For You. 
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