Bruce Schulman
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Do you have a question? We can help. We guarantee your privacy. By checking the box, you agree that Tierra Antigua Realty may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices. Message/data rates may apply. If you're moving to a brand new area you need a team of local experts to help you find the perfect place to settle down.

We're here to help you find the best spot at the best price. We look forward to working with you! As well-connected agents, we'll strive to get the best prices and get it sold quickly. It's easy to snap up the first REALTOR you meet, but deciding on the best agent takes a little time. It's a tremendous undertaking buying a home. Of course with all the excitement is also some uneasiness especially leading up to the transaction.

If you're like most people, we bet you'll likely want some expert advice along the way and you'll undoubtedly need a real estate agent looking out for your top interests. We're without question qualified in Naples real estate, and would love to provide assistance with purchasing your first home.
Highlights

read more › Compare Rates - See how changes in your rate affect your payment for a given principal and term. Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term. Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage. Adjustable Rate Mortgages - Determine monthly payments and the effective interest rate (APR) for an ARM. Mortgage Qualifier - Find out if you qualify for a given mortgage and just much you can afford, then create an amortization schedule.

read more › Your real estate experience and professionalism carried us through this difficult time of our lives and we feel very blessed to have had you on our side. Thank you for your contribution to Long Realty Cares Foundation in my honor. I am sure you do this for all your clients, but it is a thoughtful and generous thing to do and I appreciate it. It was a pleasure dealing with you and Phyllis. You promise great service and you certainly carried through that on my case. Feeling I could totally rely on you.

read more › What a huge undertaking purchasing your first house is! Of course with the excitement is also some uneasiness - especially leading up to the transaction. You'll undoubtedly want an agent looking out for your top interests, and you'll probably need some consultation along the way. We would be honored to provide guidance with purchasing your first house. Give us a call today at 520-577-9333. Not all REALTORS are equally qualified to help YOU find a home. Our dedication to our clients is what makes the difference.

read more › For many people, buying a home can be stressful. However, with a bit of up-front planning, it's not that complex. So you'll understand exactly what to expect, we like to give our buyers an overview of the entire deal. These are our nine steps to purchasing a home. There are several things you'll want to consider before beginning your home search. When you start your search, you'll probably want to make a checklist of features you need, get a feeling for what school districts you want to live in, and begin planning around your budget.

read more › A number of factors determine the price range of homes you'll want to preview - one of these factors is loan pre-qualification. With our knowledge of the mortgage market, I'll help you make an informed decision as to the type of loan you'll want. There are many different types of loans to consider - FHA, VA, Conventional and even Bad Credit Loans. We'll find the best loan for your situation.

read more › Who isn't curious about the value of their home? As you may be aware, home values in Tucson and the surrounding area are forever on the move. Simply fill out the information below to calculate an estimate of how much your home is worth now. Using data from the Freddie Mac House Price Index (FMHPI), this tool can estimate the value of your home by factoring in the appreciation rate for your metropolitan area and your home's original purchase price and date. Of course, the number produced here should not be taken as your home's actual or appraised value, but it should be a good starting point for you to see the fluctuations and trends in your market.

read more › When your home appreciates you have a larger asset to borrow against, and you get a greater profit when you sell. But how can you be sure what you're purchasing presently will appreciate over time? Property values in Tucson go up and down for various reasons. The most important element is that you select an agent in Tucson who can identify the factors that affect local prices. Many are convinced that the economy is the greatest factor affecting real estate appreciation. Obviously, there are numerous factors on a national level that influence your house's value: unemployment, interest rates, inflation, and more.

read more › When interviewing a home inspector, ask the inspector what type of report format he or she provides. There are many styles of reports used by property inspectors, including the checklist, computer generated using inspection programs, and the narrative style. The most important issue with an inspection report is the descriptions given for each item or component. A report that indicates the condition as "Good", "Fair" or "Poor" without a detailed explanation is vague and can be easily misinterpreted.

read more › The largest investment you'll make in Tucson, Arizona is a house. With that choice comes a lot of careful decision-making when it comes to picking a place to live. Using the Home Buyer's Checklist provided helps you wade through all of the characteristics of up to three homes and helps you identify what you need as a home buyer. So, to help you narrow down your "good enough" list from online to the list of houses you visit, take this Home Buyer Checklist along when you go shopping for your house.

read more › Experienced home buyers know that one of the first-steps in beginning a successful search for a new house is taking a hard, objective look at finances. Determining how much money you can dedicate to the purchase of your new house affects almost every aspect of buying a new home - including how we write the offer, which mortgage programs you will qualify for, shopping for the best mortgage loan and which homes are truly in your price range. How much cash is available for a down payment? The amount you have available for a down payment will affect what types of loans for which you can qualify.

read more › The amount you have available for a down payment will affect what types of loans for which you can qualify. Down payments typically range from 3 to 20 percent of the sales price for the property. Look for ways to reduce your monthly expenditures to save toward a down-payment. You could enroll for an automatic savings plan at your bank to have a portion of your payroll automatically transferred into savings. Most people save a couple of years for their down payment. Check the provisions of your retirement plan.

read more › One of the most important elements of marketing your home effectively is setting the price right. Set the price too high, and you won't get any offers and your home will take too long to sell. Set it too low and you cheat yourself by not getting your home's full, fair value. As experts in Tucson area real estate, we analyze the market and set area home prices every single day. We will work closely with you to assure that everything possible is done to get the highest price, in the time frame you need.

read more › If you have had your home on the market for several months and haven't seen much activity or any offers, chances are that one or more of the reasons below are to blame. No doubt about it, the most common reason for a home not selling is that the asking price has been set too high. The reasons for setting your price too high to begin with are many. Ranging from over enthusiastic listing agents to unrealistic seller expectations. Regardless of the reason though, if you've priced your home too high, you've set yourself up for a number of obstacles to selling your home.

read more › In a perfect world, you sell your old home and buy the new one on the same day. Given that things rarely turn out perfectly, here are some things to keep in mind as you negotiate the sale of one house with the purchase of another. Fall and spring are the best times for homes to move and you want to consider the season of the year when buying and selling. And if the closing dates aren't going to coincide, a gap - rather than two mortgages - is the better. It's easier and usually cheaper to find temporary housing than juggle two mortgages.

read more › Feeling lots of anxiety over applying for a mortgage? You don't have to be. We have close business relationships with a lot of lending companies in Tucson, and they've helped us understand a few things that make the process of applying for a loan effortless. If you do not entirely comprehend the pros and cons of all the various programs, be sure you have a list of questions with you. Oftentimes, it can be hard to understand the distinctions between fixed and adjustable rate mortgages. One of our lenders or associates can help you understand the advantages and disadvantages of each program.

read more › Making one extra mortgage payment a year will knock years off your mortgage and save you thousands of dollars. If you search for "bi-weekly mortgage" with an Internet search engine, you will be overwhelmed by the number of companies offering "Bi-weekly Mortgage Reduction Services" or "Bi-weekly Savings Programs." Beware, you are entering dangerous waters. These "Reduction Services" and "Savings Programs" are charging you fees to "make a bi-weekly mortgage payment" for you. The enticement is that they will save you an impressive amount of money on your mortgage and reduce the number of years you pay on your mortgage.

read more › Sellers: As we hammer out your transaction, not only will we work to get the optimal sales price, but we'll also advocate for reduced closing costs. And once we've reached an agreement, we'll walk you through the closing costs so you are aware of exactly what you're paying for. Buyers: If you are buying a property in Tucson, you'll get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing.

read more › When shopping for a mortgage, the lender may give you a quote for the mortgage interest rate and points (additional fees charged by the lender usually paid at closing by the borrower). These only represent terms available at the time of the quote. They may not be available by the closing date (which may be weeks or months in the future). To ensure the rate and points are the same at closing as they are when quoted, you'll need to lock-in the interest rate (also known as a rate lock or rate commitment).

read more › There's a simple trick to significantly reduce the length of your mortgage and save you thousands of dollars. The trick is to make one extra mortgage payment a year and apply that payment toward your loan's principal. This is the method being used by "Bi-Weekly Mortgage Reduction Services" and "Bi-Weekly Mortgage Savings Programs". Only, when you do it yourself, you don't pay a third party unnecessary set-up costs and fees! It may not be possible for you to increase your monthly mortgage payment.

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