Nitty Gritty Real Estate

Join top real estate agent, Jill Paddock and mortgage expert Seanna Cormier from Guild Mortgage as they unravel the intricacies of down payment assistance programs. Whether you're a first-time buyer or looking for more affordable housing solutions, this episode sheds light on how these programs can propel you towards homeownership. Delve into various program structures, understand their impacts on interest rates, and discover how you can find the right fit for your home buying journey.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team, or Jill Paddock. If you have any mortgage or lending questions feel free to reach out: Seanna- 520.820.0560 | [email protected]

If you have real estate questions, reach out to Jill Paddock: 520.391.7529 | [email protected]

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Explore the vibrant history of Tucson, AZ🌵. This episode unravels the rich tapestry of Tucson's past - from its foundation in 1776 as a Spanish Presidio to its current standing with its understated architectural and cultural brilliance. See why Tucson is, both figuratively and literally, cooler than its neighboring desert cities, and learn about its architectural wonders, agricultural heritage, and the legendary Turquoise Trail. 🏜 Whether you're a history buff, an AZ native, or simply curious about the hidden gems in Tucson's story, this episode is your passport to a journey through time. And don't miss out on our side chat about Sonoran dogs, the UNESCO Gastronomy award, and the quirky tales of street naming. 🛣 Tune in and immerse yourself in a conversation that's as colorful and diverse as Tucson itself!

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this episode we unpack the pivotal role of the Buyer Advisory in Arizona's real estate landscape. Because of the nuances of due diligence, navigate the maze of property restrictions, zoning laws, and HOA bylaws, this episode is an essential listen for both first-time homebuyers and seasoned real estate enthusiasts who don't recall this documents importance. Dive into discussions about Covenants, Conditions, Restrictions (CCNRs), the importance of a clear title, and the intricacies of local zoning laws. Plus, don't miss their insight into floodplains and the necessity of flood insurance. Whether you're thinking about painting your home a new color, raising chickens in your backyard, or just curious about the local zoning laws - this episode offers a comprehensive guide to navigating the complexities of home ownership in Arizona. Navigate your next purchase with confidence!

Homebuyer Advisory Link: https://www.aaronline.com/manage-risk/buyer-advisory-3/

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Let's get into the often misunderstood world of buyer agency with Tom Krieger and the team's leading buyer's agent, Jill Paddock here in Tucson. Explore the intricacies of buyer representation, from the role of a buyer's agent to how they add value to the real estate transaction. This episode provides invaluable insights for both first-time buyers and seasoned property enthusiasts. Discover the benefits of having a dedicated agent in your corner, the complexities of negotiations, and the ever-evolving landscape of real estate agency.

Jill Paddock- 520.391.7529 | [email protected] Tom Krieger- 520.907.5305 | [email protected]

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

This podcast is brought to you by The Tom J Krieger Team, Keller Williams Southern Arizona. Equal Housing Opportunity Realtors®.

Dive deep into the complexities of real estate lending with Jill Paddock, the leading agent for the Tom J. Krieger Team in Tucson, Arizona. In this episode, we unravel the often-misunderstood intricacies of lending for different property types, from condos and manufactured homes to townhomes and co-ops. Gain insights from a realtor’s perspective on what to expect, potential pitfalls, and how to navigate the nuances of lending for your next property purchase.

Topics covered:

• Lending limitations for condos, including condo communities not qualifying for traditional financing.
• The world of manufactured homes and the age factor.
• The differences in lending for townhomes and patio homes compared to condos.
• USDA loans: Not just for farmland!
• The distinction between commercial lending for multi-families vs. conventional lending.
• Financing land and construction loans in the abundant Arizona terrain.
• The hurdles of co-op lending.

Whether you're a first-time homebuyer, a seasoned investor, or someone curious about the world of real estate lending, this episode is packed with invaluable information to guide your decisions. Join us as we uncover the nitty-gritty details of the real estate market in Southern Arizona, empowering you with knowledge for your home buying journey.

Jill Paddock- 520.391.7529 | [email protected] Tom Krieger- 520.907.5303 | [email protected]

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Connect with us at our webaite for more resources and to be linked with over 5,000 agents nationwide. Remember, with the Tom J. Krieger Team at Keller Williams Southern Arizona, you're never alone in your real estate journey.

Ever heard that you need a 20% down payment, a perfect credit score, and a two-year job history to buy your first home? Think again! We're here to bust these myths wide open and uncover the truth behind buying your first home as a millennial or Gen Z. Dive into the world of down payments, credit scores, job stability, and much more with our expert guests, sharing their insider knowledge to help you navigate the home buying journey with confidence. Learn about down payment assistance programs, how to leverage your retirement account, and tips to boost your credit score. Discover the secret sauce to turning a functional first home into your perfect home. It's time to demystify homebuying and make your homeownership dreams a reality. Remember, your first home is a stepping stone, not a stumbling block. Tune in now, and let’s get you one step closer to holding the keys to your new home.

Jill Paddock- 520.391.7529 | [email protected] Alicia Sanchez- 520.341.2926 | [email protected]

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Dive into the financial intricacies of owning a home versus renting. With hosts Alicia Sanchez and Tom Krieger, you'll unravel the mysteries behind mortgage and rental payments, understanding interest rates, and how the choice between owning and renting affects your wealth over time. Did you know that with today's rates, a $2,100 monthly rent might equate to a mortgage on a $300,000 home? And what's the real story behind property value appreciation? Beyond numbers, we also discuss the freedom and customization owning offers over renting - from renovations to pet policies. Whether you're a first-time homeowner in Tucson, Arizona or looking to better understand the U.S housing market, this episode offers valuable insights. Proudly presented by Keller Williams Southern Arizona, we are dedicated to equal housing opportunities. Join us as we dissect these housing dilemmas, paving the way for informed decisions.

Tom Krieger- 520.907.5305 | [email protected] Alicia Sanchez- 520.341.2926 | [email protected]

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Dive into the Pima Tucson Lighthouse Program, the breakthrough for home buyers! 🏡 Join us as Nicole Johnson, the Community Development Champion from Pima Tucson Housing Innovation Hub, spills the beans about this exciting down payment assistance initiative. Discover how Tucson IDA and Pima IDA have collaborated to offer unbeatable interest rates and up to 4% forgivable down payment aid. From defining a 'first-time home buyer' to discussing qualifying areas and income limits, we’ve got all the insights for you. Turn your home buying dreams into reality with this incredible opportunity! 🎧🔥

Pima Tucson IDA programs can be found here- https://programs.ehousingplus.com/available-programs/arizona/ida-pima-tucson/

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]  

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com  

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Join Heather Oliboni and real estate industry veteran Tom Krieger, from the Tom J Krieger team, as they dissect the intricate world of the real estate market. With over 40 years of experience, Tom brings a wealth of knowledge about the ebb and flow of markets, while Heather adds insights from her 8-year experience post-crash. In this episode, they discuss:

• Interest Rates and Affordability Index: How do interest rates affect mortgages and home affordability? What does the history say, and how do we compare to the early eighties?
• The Healthy Market Metrics: What are the signs of a balanced market? How do days on market, absorption rates, and supply and demand impact the market dynamics?
• The Impact of Covid on Home Prices: How has the pandemic influenced property values? How are the buyers and sellers reacting to the current market scenario?
• Buyer's vs. Seller's Market: What's the difference, and what signals a shift in the balance? Tom and Heather dive into the details that define each market type.

If you're looking to buy a home, sell a property, or simply interested in understanding the complex mechanisms that drive the real estate market, this episode is for you. Tune in for an engaging and informative discussion that offers valuable insights whether you're a newbie or seasoned professional.

Don't forget to Subscribe for more valuable insights into the world of real estate.

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]  

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com  

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Welcome back to the Nitty Gritty of Real Estate. In this episode, we delve into the often confusing world of Medicare. With the help of our guest Rob Young, a licensed Medicare service agent and experienced insurance professional, we aim to demystify the ABCs (...and the rest) of Medicare and provide crucial insights into what you need to know.

Navigating the Medicare system can be overwhelming and complex. This episode is a must-listen for anyone trying to understand the ins and outs of this critical healthcare system. Rob Young's expert advice offers a lifeline in the sea of confusing Medicare information.

Rob Young 206.234.6797 | [email protected]

Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! [email protected]   

Be sure to check out our website for more resources ⬇️

https://TheTJKTeam.com   

Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704