Congratulations on taking the first steps to finding your dream home! Sharing your enthusiasm in exploring this exciting journey and discovering where your heart is longing to live is an important attribute of your REALTORS.
Dean and Nancy have a commitment to answer every one of your questions and explain every detail each step of the way and to find you that perfect home which fits all of your needs, must haves, and desires. Combining experience and integrity, it is imperative to prepare you for what lies ahead in the search to help you find your dream home. They enjoy exploring new possibilities with you and eagerly await the moment when you know ‘this is it…the perfect home for us’. It takes hands to build a house, but only hearts can build a home.
COMPARE US TO ANY OTHER BROKER
Accessibility: As your REALTORS, Dean and Nancy are fully available to you 7 days a week.
Advertising: They are devoted to the effective advertising and results-oriented marketing of your home so that it sells in the minimum amount of time with the maximum amount of profit for you.
Community Image: Associated with Russ Lyon Realty, Dean and Nancy are proud of the brokerage to which they belong. Its strong reputation generates numerous leads. They also contribute to many local Phoenix charities including the Healing Paws Animal Therapy Program at the Phoenix Children’s Hospital and the Positive Focus Program allowing children from elementary schools through high school to “flip it” into something positive.
Dedication: These professionals are “full time” and aggressively pursue your objectives while serving your real estate needs.
Ethics: Russ Lyon Realty allows Dean and Nancy to offer a cancellation policy, if you are not satisfied. They are committed to fight for your best interests, not for just their own.
Competency: Their knowledge, understanding and ability to communicate contractual terms are well-tuned strengths you can depend on throughout your entire home buying or selling process.
Experience: Russ Lyon Realty has had the benefit of serving the Valley since 1947 and Dean and Nancy have consistently been multi-million dollar producers for over 7 years.
Full Service: As full time, full service, fine home specialists, Dean and Nancy work together through Russ Lyon Realty’s network to offer relocation services, mortgage assistance, and generate new leads.
Professionalism: They keep themselves informed about current trends in the community, are prepared to discuss all aspects concerning the sale or purchase of your home, are capable of presenting a marketing analysis of your property and offer you personalized service every step of the way.
Promotion: Russ Lyon Realty helps provide professional materials and sales aids, such as Properties of the Southwest magazine, color flyers and virtual and agent/office tours to assist them in effectively marketing your property. Their work is always first rate and your home will shine!
Technology: Through Russ Lyon Realty, Dean and Nancy have access to the Internet and many promotional websites as a valuable resource for displaying home listings inventory and current open houses.
Track Record: Dean and Nancy have consistently been a winning combination of real estate success for home buyers and sellers.
“Committed to partnership, as a matter of integrity”
To ensure a “fit” with discriminating clients, it is essential that we establish a framework within which to operate. Whether you are selling your home or purchasing a home, you’ll be assured that you’ll be dealing with pre-qualified clients who have read and understood this same agreement.
WHAT WILL WE PROVIDE?
Loyalty- We promise to always be true to you and your interests.
Professionalism- We promise complete and accurate work in a timely fashion while adhering to ethical standards of practice.
A Philosophy of “Win-Win”- We will only engage in transactions which benefit all parties involved.
and
WHAT DO WE ASK OF YOU?
Honesty- Please, “tell it like it is”...you won’t hurt our feelings. We are committed to be open to what you have to say.
Respect for Resources- Your time and energy is valuable and so is ours.
Be Realistic- We enjoy exploring new possibilities and “stretching the envelope”, provided it has a thread of reality in it.
FIVE THINGS TO AVOID WHEN PURCHASING A HOME
There are five major things to avoid before applying for a loan and during the loan process itself. Any one of these five things can greatly impact your ability to qualify for a loan so it is critical to avoid doing any of the following until AFTER your loan has Closed Escrow:
DO NOT CHANGE JOBS. Changing jobs before or during the loan process can create a real problem in qualifying you for a loan, particularly if that job is in a different line of work or at a lower rate of pay. During a loan process, it can also create time delays as the new job needs to be verified.
DO NOT SWITCH BANKS OR MOVE YOUR MONEY AROUND. It is best to leave your money right where it is until your loan is closed. Moving your money to a new bank or even into a new account can wreak havoc with the verification process.
DO NOT PAY OFF BILLS. Your Loan Officer will advise you if it is necessary to pay off bills to help you qualify for a loan. Your Loan Officer will also show you the best way to pay off bills to make sure you have the evidence needed to prove the bills have been paid.
DO NOT MAKE ANY MAJOR PURCHASES. Many borrowers make the mistake of buying a new car, furniture or other major purchases without realizing the impact it can have on their ability to buy a home. Any additional monthly payments can affect the amount of home you can purchase. During the loan processing period, it can make it extremely difficult to get an approval. In some cases increased debt can prohibit the loan from closing escrow.
DO NOT APPLY FOR ANY NEW CREDIT. DO NOT BUY ANTHING “SAME AS CASH.”
Do you want first-class attention and service in securing a loan? In order to save you time and frustration, and as a special service, we highly recommend contacting Mark Settell or Virginia Larson if you’re looking to secure a loan for your next home purchase.
These are two caring and knowledgeable loan officers that we’ve known for years, and have established a long-standing relationship with. We do trust them, and we’re confident you’ll be more than pleased with the service you receive and the results you get.
Mark Settell
602-667-4992 www.marksettell.com With over 15 years in the mortgage industry, I offer my customers a wealth of experience and knowledge in the home financing process. Although my product knowledge and experience is well rounded, I specialize in jumbo loans, I make sure I stay current with all local and national market trends by maintaining positions in the Arizona Board of Realtors.
I am proud to be a loan officer for First Horizon Home Loans, one of the nation’s leading lenders. I look forward to fulfilling all of your home financing needs.
Virginia Larson 602-553-9554 vlarson@russlyonmortgage.com
Virginia offers over 25 years of experience in the financial industry, including 12 years of exclusively arranging residential mortgages. She approaches each transaction professionally, always keeping the needs of her clients in the forefront. Virginia’s in-depth knowledge and expertise will ensure the best possible service for all mortgage needs.
Mark Settell
Virginia Larson