Buying A Home

Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.

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I understand that every client has unique needs and financial goals. That's why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.

Home Buyer Checklist

1) Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.

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2) Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.

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3) Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.

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4) Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

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6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

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7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

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8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.

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10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.

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11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.

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12) Moving Expenses: Consider the cost of moving and factor it into your budget.

See What Clients Are Saying!

"As a first time homebuyer, we had millions of questions, concerns, and tons of anxiety. Patrick was always there to answer any questions we had and was extremely patient with us throughout the entire process. Patrick responded very quickly to email, text messages, and voice mails. We always felt like we were the most important clients he had."
J.S.

Extremely helpful

"Me and my wife recommend Patrick Morales to everyone. He is an angel for us, he is extremely responsive, extremely satisfied. extremely well. We would rate him Five out of Five star. Patrick you are outstanding."
NJ

Fantastic experience!

"Patrick is so easy to work with - he’s helpful and readily available to answer questions and calm any fears associated with first-time home buying! I had a million questions - Patrick was extremely patient and never made me feel silly. I confidently recommend Patrick to anyone!" D.S.

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Texas Veteran’s Land Board Transaction

"Thanks Patrick for getting us set up with a loan with outstanding terms! I also really appreciated the easy online document fulfillment process. Will use again!"
K. S.

Excellent Broker!

"My experience with Patrick Morales was extremely positive. He, my realtor, and I were all on the same page through the whole process. Communication is key and we had it! I highly recommend him as a broker. I have already mentioned him to other family members and friends. The house buying ups and downs do not phase him. He keeps his clients informed and is willing to answer any and all questions you may have, day or night.

I am grateful for the team I had during my first home buying experience.

Thank you Patrick for all of your help!" N. G.

Wonderful Lender!!

"Went above and beyond to make sure I had as much information I needed to close on my home. Great job by Kevin and team to stay connected and provide timely communication to close early. Patrick truly cares about the individual and families and provided a great overall experience for one of the more stressful times in someone's life. Great job overall and thanks again for all your hard work and information that was super helpful." V. H.

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Licensed to Do Business | NMLS #904228

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | NEXA Mortgage LLC

Corporate | NMLS ID NMLS# 1660690

Corporate Address : 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212