4 Ways to Help Your Mortgage Transaction Close On Time

4 Ways to Help Your Mortgage Transaction Close On TimeWhen you’ve finally found the home you’re looking for at the right price, it’s easy to think that the hard part is over; however, there’s still a lot to do in order to ensure your purchase goes through without a hitch. If you’re tying up the loose ends on your home purchase, here are some things you should do to avoid any unnecessary delays.

Hire A Real Estate Professional

However much research you may have done in regards to buying a home, there’s still a lot of legal jargon in the closing documents that can be difficult for most people to understand. Instead of doing guesswork, you may want to utilize a real estate professional who will represent your best interests and take the difficulty out of the documents for you so there will be no holdups with the paperwork.  Plus, the representation, in most cases, is free to you!

Arrange A Home Inspection

A home inspection is a necessary step before the sale of a home, but this is an important one to get out of the way because it can seriously impact your home purchase. Because major problems can often be discovered during inspection, getting this out of the way and deciding if an item should be fixed or the total price knocked down will ensure there are no delays at the last minute.

Acquire Title Insurance

In order to make sure your property really belongs to you, it’s a good idea to have a title search completed to see if there are any claims to your future property that could invalidate your purchase. As this is a legal safeguard for your claim to your home, it will help you avoid unnecessary issues in the event of an unknown property claim.

Determine The Closing Costs

An escrow company is responsible for holding the funds until all aspects of a home sale are complete, but there are fees that go along with this service. Before you get to the end of the process, determine what exactly the company will be charging so that you can be prepared for the final total. While fees are legitimate, if you see a higher tally than expected, you may want to negotiate for a reduced cost.

Purchasing a home is a significant investment full of hurdles you might not be aware of, but by acquiring title insurance and having a real estate professional look through your documents, you can make your home purchase go a little smoother. If you’re planning on purchasing a new home soon, please give me a call – J.P. Cook – 602-320-4253.

3417 E Wildwood Drive Phoenix, AZ 85048

$849,900
4 Beds
2.5 Baths
2,319 SqFt
Status Active Under Contract
MLS # 6774659
Property Type Single Family Residence
Price Type --
Lake house N/S exposure on one of the best lots on the lake & close to park!! Selling below value! Spent $200K remodeling home! Shade in backyard all afternoon! Pebble tech pool w/ waterfall, new $12K hot tub, new $40k kitchen, new bathrooms, new floors, new garage door, new appliances, newer a/c units and newer roof!! Boat dock in backyard, walk in closets, new cabinets, granite countertops, new flooring, stone paver walk ways, jetted tub, gas stove / HVAC & gas fire pit in backyard !! Great neighborhood!! Lakewood is the largest residential lake in metro Phx. Super nice quiet neighbors. VERY low hoa fee's! All the furniture / decor / artwork / Tv's, etc can be included ($58k value) for ONLY $9,995 outside of escrow. ATTN: Investors, there are Canadian snow birds who want to rent this house for $9K a month (December thru April of every year ) that will rent from you if you want them.

4818 E Hamblin Drive Phoenix, AZ 85054

$849,900
3 Beds
2 Baths
2,074 SqFt
Status Active Under Contract
MLS # 6776163
Property Type Single Family Residence
Price Type --
Beautifully remodeled Desert Ridge home with a 3-car garage, open floor plan, 12' ceilings, 8' doors, tons of windows and an entertainer's backyard that was completely redone in 2021 featuring a heated saltwater pool & spa with an automation system, gas firepit, travertine and artificial turf. Through the front door, you'll step into a large living room that is open to the kitchen, separated only by a natural quartzite peninsula with waterfall end, newly installed white shaker cabinets and a large dining area that includes a built-in bar. The master has a large bathroom with a dual sink vanity, makeup counter and soaking tub. The guest bedrooms both have large closets and share a freshly remodeled full bathroom. The house remodel was just completed in September of 2024 ... the backyard pool/spa was built in 2021. New HVAC unit installed in 2020. New water heater installed in 2022. Whole house water filter/softener installed in 2023. Double oven/range, microwave, undercounter wine & beverage refrigerators installed in 2024. Refrigerator, dishwasher, laundry washer & dryer installed in 2020. Garage door motors replaced in 2020.

20489 S 199th Place Queen Creek, AZ 85142

$849,900
4 Beds
2.5 Baths
3,250 SqFt
Status Active
MLS # 6755928
Property Type Single Family Residence
Price Type --
Welcome Home to the Gated Community of Cielo Noche in Queen Creek, Beautiful 4 Bedroom, 2.5 Bath Plus an Office & Bonus Room, Large Corner Lot, Kitchen Area w/ Large Island, Granite Counters, New Wolf Gas Cooktop, Double Ovens, New 4 Door Refrigerator, New Dishwasher, New Microwave, Large Primary Bedroom, Primary Bath w/ Tiled Walk-in Shower, Garden Tub & 2 Walk-In Closets, NEW Pergo Flooring in Bedrooms, NEW Tiled Guest Bathroom Shower, Laundry Room w/ Sink, 3 Car Tandem Garage w/ Mini-Split HVAC System ($10K) & Ceiling Storage Racks, Tesla Powerwall Unit and OWNED Solar System ($37K), EV Charging Station, NEW North Side Dual Zone HVAC SYSTEM (2022), FRESHLY Painted Exterior , Large Backyard Space w/ Heated Pool & Spa and Extended Patio Area that is Great for Entertaining.

2729 E Bridgeport Parkway Gilbert, AZ 85295

$849,900
6 Beds
4.5 Baths
4,316 SqFt
Status Active
MLS # 6688114
Property Type Single Family Residence
Price Type --
Welcome to your dream home in the desirable Vincenz subdivision of Gilbert, AZ! This stunning residence boasts 6 bedrooms, 4.5 bathrooms and room for the entire family to enjoy. The kitchen is a culinary enthusiast's delight, featuring a breakfast bar, quartz countertops, stainless steel appliances, and contemporary cabinets. Experience the tranquil retreat in the cozy courtyard area, perfect for unwinding or hosting gatherings with friends and family. Private Movie Theater Room and Game Room (or Office) to indulge in your favorite entertainment activities without leaving the comfort of your own home. Don't miss out on this gem, with endless possibilities for creating your own private oasis in the heart of the East Valley.

406 N Pine Island Drive Payson, AZ 85541

$849,900
3 Beds
2 Baths
1,720 SqFt
Status Active
MLS # 6710709
Property Type Single Family Residence
Price Type --
PRICE ADJUSTED! WONDERFUL !What a fabulous way to own at Chaparral Pines, premier guarded/gated luxury golf course community AND this section provides lock and leave low maintenance! This home has been beautifully updated and lovingly maintained for true move in condition. Walk in the great room space with soaring tongue and groove ceiling, dramatice floor to ceiling stone fp, cooks kitchen, all new stainless appliances and access to the back deck. Dine, relax and enjoy the wind in the tall pines overlooking Pine Island pond/waterfall! Home has 3 ample bedrooms, organized closets and 2 sizable baths (one completely reimagined) plus solid knotty alder doors thruout. Main bedroom opens to the back deck. Upgrades in documents. OVERSIZED GARAGE FOR TRUCKS, GOLF CARTS! Ahh listen to the pines!

13282 W Golden Puma Trail Peoria, AZ 85383

$849,900
4 Beds
3 Baths
2,414 SqFt
Status Active
MLS # 6721607
Property Type Single Family Residence
Price Type --
Spectacular views from every angle of this oversized 9000 sqft elevated lot located in a cut-de-sac. Stunning 22' David Weekly single story home featuring 4 bed 3 full baths open floorplan 12' ceilings in Living room & Kitchen private en-suite open bonus room natural lighting throughout. Chef's kitchen is designed w/ stainless appliances, oversized cabinets, granite w/ a large island. Well designed & spacious master-suite offers a super sized walk-in shower, dual shower heads, dual sinks + oversized walk-in closet. Breathtaking outdoors whether you are out back or enjoying your views of the valley from the private courtyard. 360' views from this unique lot in the Northpointe Community. State of the art community center offers many amenities to incl. pool, playground + more.

4055 Miners Spring Way Wickenburg, AZ 85390

$849,900
3 Beds
2.5 Baths
2,365 SqFt
Status Active
MLS # 6753327
Property Type Single Family Residence
Price Type --
Experience desert living at its finest in this exquisite 3-bedroom, 2.5-bath home with a 3-car garage, nestled in the serene oasis of Wickenburg. The stunning curb appeal is enhanced by brand new landscaping, welcoming you into a home that is a true canvas for your dreams. Situated on a spacious 1/2 acre lot, there's ample room to add an RV garage, pool, or even a casita. The outdoor kitchen is perfect for entertaining as you enjoy breathtaking sunsets and mountain views. Inside, the kitchen is a chef's delight with satin-finished granite countertops, soft-close cabinets and drawers, a gourmet cooktop, and a chimney hood. Additional features include an owned security system and a water softening system. As a resident of Wickenburg Ranch, you'll also enjoy access to a wide range of resort- style amenities including clubhouse, 2 golf courses, 3 restaurants, 14 miles of paths and trails, fishing, salon and classrooms. Property backs to land preserve owned by Wickenburg Ranch. Another plus! Sellers have paid for exterior painting to be completed in November and landscaping has been pre-paid through December 2024. Don't miss out on this incredible opportunity!

29224 N 146th Street Scottsdale, AZ 85262

$849,900
4 Beds
2 Baths
2,389 SqFt
Status Active
MLS # 6730322
Property Type Single Family Residence
Price Type --
PRIDE OF OWNERSHIP! Immaculate & peaceful North Scottsdale horse property w/ tons of natural light on 1.25 acres w/ pool, incredible mountain views & high producing shared well. This nearly 2400 sq ft home features an open floor plan w/ 4 bedrooms, 2 upgraded baths, plantation shutters throughout, stone gas fireplace, gourmet kitchen w/ granite countertops, stainless steel appliances & kitchen island, large master bedroom w/ beautifully upgraded master bath including tiled shower, soaking tub & dual vanities, highly upgraded second bath w/ tile shower and tub & large secondary bedroom w/ dual closets. Exterior features include large garage with plenty of storage, covered front patio and extended covered back patio, pool w/ incredible views and horse set up including riding arena & stall

25037 S Ribbonwood Drive Sun Lakes, AZ 85248

$849,900
3 Beds
2 Baths
2,631 SqFt
Status Active
MLS # 6732045
Property Type Single Family Residence
Price Type --
GORGEOUSLY REMODELED, CUSTOM Borgata model (3 Bedroom PLUS DEN & 2 Bath) w/ PHENOMENAL GOLF COURSE VIEWS in the GATED, ADULT COMMUNITY OF IRONWOOD! You'll be delighted with all of the LUXURIOUS UPGRADES throughout this home like: Wood-Look tile, designer lighting, plantation shutters, neutral colors, NEWER HVAC SYSTEMS & 2-car plus GOLF CART GARAGE. The GREAT ROOM is open to the Chef's kitchen w/ QUATRZ, MASSIVE ISLAND, NEW APPLIANCES & HUGE WALK-IN PANTRY. The AMAZING MASTER SUITE has a SITTING ROOM & HUGE WALK-IN CLOSET. BOTH BATHROOMS ARE REMODELED! 2 OVERSIZED GUEST BEDROOMS & A DEN TOO! EXPANSIVE PAVER PATIO W/ GREAT GOLF COURSE VIEW & LOW MAINTENANCE LANDSCAPING. ALL OF THIS & Community amenities like: golf, tennis, pickleball, pools/spas, fitness center, clubs & restaurants!

2522 W Brisa Drive Phoenix, AZ 85085

$849,900
5 Beds
3.5 Baths
3,536 SqFt
Status Active
MLS # 6738844
Property Type Single Family Residence
Price Type --
This stunning 5-bedroom, 3.5-bath home with a recent price reduction is a rare opportunity! Situated on the largest lot in the subdivision, it provides exceptional value, size, and functionality, perfect for family living and entertaining. The home features easy access to I-17 and the 303 corridor. The spacious primary suite is located downstairs and includes dual walk-in closets, a large shower, garden tub, and separate vanities. For remote work, there's a dedicated office complete with quartz countertops and built-in cabinets. Comes with a washer & dryer upstairs and an additional hook-up in the garage for added convenience. Outdoors, enjoy a low-maintenance pool with water features and smartphone controls, alongside a vast entertainer's backyard with a covered patio and ample room for gatherings. A 70-foot concrete utility pad with gated access provides extra parking for a boat, UTV or utility trailer. The 12KW owned solar system ensures low utility bills, complemented by a whole-house humidifier, water softener, and reverse osmosis system. Don't miss the chance to make this beautiful home yours!

16611 S 9th Street Phoenix, AZ 85048

$849,900
3 Beds
3 Baths
1,969 SqFt
Status Active
MLS # 6749591
Property Type Single Family Residence
Price Type --
This stunning Model Home in Ahwatukee's newest gated community of Palma Brisa awaits new owners! With every added detail and upgrade you will love the design and layout of this bright, open home. This beautiful 3 bed, 3 bath home has top of the line stainless steel appliances, a large island and living room, custom finishes throughout with a split floor plan and a convertible space to add an office or bonus room. With quick freeway access this property sits just 15 minutes from Sky Harbor Airport, Phoenix Premium Outlet Mall, Wild Horse Pass Hotel & Casino, Chandler Village, and so much more. With nearby hiking trails and bike paths and close proximity to both Foothills Golf Club & Whirlwind Golf Club you will love the lifestyle this home provides!

28352 N 124th Drive Peoria, AZ 85383

$849,900
2 Beds
2.5 Baths
2,438 SqFt
Status Active
MLS # 6752527
Property Type Single Family Residence
Price Type --
PRICED TO SELL! Welcome to Luxury Living with OWNED SOLAR on an oversized CORNER LOT boasting 2 bedrooms plus den, 2.5 bathrooms and 2,430+ sq. ft. Featuring 10ft ceilings and PLANTATION SHUTTERS throughout. A chef's dream kitchen featuring stainless-steel appliances, dual kitchen islands, GAS COOKTOP and under cabinet lighting! Benefit from 34 fully OWNED SOLAR panels. HUGE PRIMARY SUITE with access to back patio, bath w/dual sinks, shower, soaking tub, and 2 WALK-IN CLOSETS. The backyard is truly a PRIVATE OASIS with neighbors only on 1 side. Soak in your PRIVATE POOL and enjoy the mature landscaping. Sip your morning coffee on the pergola covered courtyard and experience beautiful sunsets on the large, covered patio with sensor motorized sunscreens. The 3-car tandem garage provides ample space for vehicles, with built-in storage cabinets. This home has been meticulously maintained, a MUST SEE! All of this is located within the award-winning 55+ Community of Trilogy at Vistancia, that offers resort style living at its finest.