- 8
- Episodes
- 2022
- First episode
About Good Morning Arizona Podcast
Real Estate in Arizona, real estate basics, tips and updates. marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast)
- Publisher
- MaryCarmen Ramos Realtor
- Category
- business · business
- Language
- en
- Explicit
- No
- First episode
- 23 Mar 2022
- Latest episode
- 13 Apr 2022
Latest episodes
8 episodes in the feed.
13 Apr 2022
Restarting Social Media and Starting a Podcast
Active Homes in Maricopa and Pinal County: • Maricopa County Phoenix (https://www.marycarmenramos.com/realestatehomes/phoenix-az/) | Mesa (https://www.marycarmenramos.com/realestatehomes/mesa-az/te_RES/)| Chandler (https://en.wikipedia.org/wiki/Chandler,_Arizona)| Glendale (https://www.marycarmenramos.com/realestatehomes/glendale-az/te_res/sort_prh/pg_4) | Scottsdale (https://www.marycarmenramos.com/realestatehomes/scottsdale-az/te_res/pg_24) | Gilbert (https://www.marycarmenramos.com/realestatehomes/gilbert-az/te_res/pg_15) | Tempe (https://www.marycarmenramos.com/realestatehomes/tempe-az/te_RES/)| Peoria (https://www.marycarmenramos.com/realestatehomes/peoria-az/te_res/pg_3)| Surprise (https://www.marycarmenramos.com/realestatehomes/surprise-az/te_RES/) • Pinal County Casa Grande (https://www.marycarmenramos.com/realestatehomes/casa-grande-az/te_RES/)| Maricopa (https://www.marycarmenramos.com/realestatehomes/maricopa-az/te_RES/) The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
12 Apr 2022
April statistics - Arizona Market Update
Active Homes in Maricopa and Pinal County: • Maricopa County Phoenix (https://www.marycarmenramos.com/realestatehomes/phoenix-az/) | Mesa (https://www.marycarmenramos.com/realestatehomes/mesa-az/te_RES/)| Chandler (https://en.wikipedia.org/wiki/Chandler,_Arizona)| Glendale (https://www.marycarmenramos.com/realestatehomes/glendale-az/te_res/sort_prh/pg_4) | Scottsdale (https://www.marycarmenramos.com/realestatehomes/scottsdale-az/te_res/pg_24) | Gilbert (https://www.marycarmenramos.com/realestatehomes/gilbert-az/te_res/pg_15) | Tempe (https://www.marycarmenramos.com/realestatehomes/tempe-az/te_RES/)| Peoria (https://www.marycarmenramos.com/realestatehomes/peoria-az/te_res/pg_3)| Surprise (https://www.marycarmenramos.com/realestatehomes/surprise-az/te_RES/) • Pinal County Casa Grande (https://www.marycarmenramos.com/realestatehomes/casa-grande-az/te_RES/)| Maricopa (https://www.marycarmenramos.com/realestatehomes/maricopa-az/te_RES/) The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
11 Apr 2022
What I love about living in Arizona
Active Homes in Maricopa and Pinal County: • Maricopa County Phoenix (https://www.marycarmenramos.com/realestatehomes/phoenix-az/) | Mesa (https://www.marycarmenramos.com/realestatehomes/mesa-az/te_RES/)| Chandler (https://en.wikipedia.org/wiki/Chandler,_Arizona)| Glendale (https://www.marycarmenramos.com/realestatehomes/glendale-az/te_res/sort_prh/pg_4) | Scottsdale (https://www.marycarmenramos.com/realestatehomes/scottsdale-az/te_res/pg_24) | Gilbert (https://www.marycarmenramos.com/realestatehomes/gilbert-az/te_res/pg_15) | Tempe (https://www.marycarmenramos.com/realestatehomes/tempe-az/te_RES/)| Peoria (https://www.marycarmenramos.com/realestatehomes/peoria-az/te_res/pg_3)| Surprise (https://www.marycarmenramos.com/realestatehomes/surprise-az/te_RES/) • Pinal County Casa Grande (https://www.marycarmenramos.com/realestatehomes/casa-grande-az/te_RES/)| Maricopa (https://www.marycarmenramos.com/realestatehomes/maricopa-az/te_RES/) The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
4 Apr 2022
Market update - Loan Applications Raised 1%
The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
29 Mar 2022
Things to avoid while buying a home with a loan
Purchasing your first house may be both thrilling and nerve-wracking. You must not only discover the perfect location, but you must also find the correct mortgage. Finding an inexpensive house can be difficult with little inventory in many local markets and rising housing prices across the country. You may feel pressed to find a home right quickly, but your finances must be in order before you go house hunting and making offers. This entails ensuring that your credit history and score, debt-to-income ratio, and general financial picture will persuade a lender that you are creditworthy enough to borrow money. Many first-time homebuyers make many mistakes during the mortgage and home-buying procedures. Some of the most typical blunders to avoid are listed below. KEY TAKEAWAYS * Obvious credit issues—a history of late payments, debt collection actions, or significant debt—could mean less-than-ideal interest rates and terms, or even an outright denial. * Boost your score by paying bills on time, making more than the minimum monthly payments on debts, and not maxing out your available credit. * Sellers are more likely to consider offers from buyers who have a pre-approval letter from a lender. * Apply for a mortgage with a few lenders to get a better sense of what you can afford and clearer comparison of loan products, interest rates, closing costs, and lender fees. Facebook (https://www.facebook.com/mcramosrealtor) | Instagram (https://www.instagram.com/mcramosrealtor/) | Twitter (https://twitter.com/MCRamosM) | TikTok (https://www.tiktok.com/@mcramosrealtor) The Bottom Line You don't want to damage your mortgage—or your house purchase—by accident. Some of these errors may appear innocuous, but they can derail your closing and cause major issues. To guarantee a seamless transaction, talk through your lender about what you should do from pre-approval to closing. Also, keep all of your paperwork organized and up to date, such as bank statements, W-2s, deposit records, tax returns, pay stubs, and so on, so you can offer verification if your lender wants it. When it comes to buying your first home, being well-informed and educated about the lending and real estate processes might help you avoid some of these blunders while also saving money. Having skilled, experienced specialists on your side to help you will also guarantee that the transaction proceeds well. This can help to ease some of the tension and complication that comes with the process. Active Homes in Maricopa and Pinal County: • Maricopa County Phoenix (https://www.marycarmenramos.com/realestatehomes/phoenix-az/) | Mesa (https://www.marycarmenramos.com/realestatehomes/mesa-az/te_RES/)| Chandler (https://en.wikipedia.org/wiki/Chandler,_Arizona)| Glendale (https://www.marycarmenramos.com/realestatehomes/glendale-az/te_res/sort_prh/pg_4) | Scottsdale (https://www.marycarmenramos.com/realestatehomes/scottsdale-az/te_res/pg_24) | Gilbert (https://www.marycarmenramos.com/realestatehomes/gilbert-az/te_res/pg_15) | Tempe (https://www.marycarmenramos.com/realestatehomes/tempe-az/te_RES/)| Peoria (https://www.marycarmenramos.com/realestatehomes/peoria-az/te_res/pg_3)| Surprise (https://www.marycarmenramos.com/realestatehomes/surprise-az/te_RES/) • Pinal County Casa Grande (https://www.marycarmenramos.com/realestatehomes/casa-grande-az/te_RES/)| Maricopa (https://www.marycarmenramos.com/realestatehomes/maricopa-az/te_RES/) The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
26 Mar 2022
Your voice matters
When it is difficult to express your truth, still do it, because what you have to say matters I have always appreciated the story behind each person, the voice within that validates what was lived, is lived at the moment. Your voice represents the vehicle that gives testimony to your life. Your voice truly mattered regardless of your age, or any physical, or mental characteristic, voice your reality with peace, validate your situation, validate your feeling, validate your past with your voice. Active Homes in Maricopa and Pinal County: • Maricopa County Phoenix (https://www.marycarmenramos.com/realestatehomes/phoenix-az/) | Mesa (https://www.marycarmenramos.com/realestatehomes/mesa-az/te_RES/)| Chandler (https://en.wikipedia.org/wiki/Chandler,_Arizona)| Glendale (https://www.marycarmenramos.com/realestatehomes/glendale-az/te_res/sort_prh/pg_4) | Scottsdale (https://www.marycarmenramos.com/realestatehomes/scottsdale-az/te_res/pg_24) | Gilbert (https://www.marycarmenramos.com/realestatehomes/gilbert-az/te_res/pg_15) | Tempe (https://www.marycarmenramos.com/realestatehomes/tempe-az/te_RES/)| Peoria (https://www.marycarmenramos.com/realestatehomes/peoria-az/te_res/pg_3)| Surprise (https://www.marycarmenramos.com/realestatehomes/surprise-az/te_RES/) • Pinal County Casa Grande (https://www.marycarmenramos.com/realestatehomes/casa-grande-az/te_RES/)| Maricopa (https://www.marycarmenramos.com/realestatehomes/maricopa-az/te_RES/) Follow us on Facebook (https://www.facebook.com/mcramosrealtor) | Instagram (https://www.instagram.com/mcramosrealtor/) | Twitter (https://twitter.com/MCRamosM) | TikTok (https://www.tiktok.com/@mcramosrealtor) The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
23 Mar 2022
Los vendedores tienen una oportunidad de oro esta primavera
Buenos días Arizona! Bienvenidos a mi primer episodio de mi Podcast donde hablaremos sobre Bienes Raíces y Vida, principalmente sobre lo que está sucediendo en el mercado, así como motivaciones identificables. Si está pensando en vender su casa (https://www.simplifyingthemarket.com/es/2022/01/27/why-right-now-is-a-once-in-a-lifetime-opportunity-for-sellers/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) este año, el tiempo es crucial. Después de todo, querrá balancear entre sacar el máximo provecho de la venta de su casa actual y hacer la mejor inversión (https://www.simplifyingthemarket.com/es/2022/01/21/americans-choose-real-estate-as-the-best-investment-infographic/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) cuando compre la siguiente. Si ese es el caso, debe saber que: es posible que pueda obtener lo mejor de ambos mundos hoy. Aquí hay cuatro razones por las que esta primavera puede ser una oportunidad única. 1. El número de casas en el mercado sigue siendo bajo La oferta limitada (https://www.simplifyingthemarket.com/es/2022/01/20/buyers-want-to-know-why-is-housing-supply-still-so-low/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) de casas en venta de hoy está poniendo a los vendedores en control. Hay muchos más compradores (https://www.simplifyingthemarket.com/es/2022/02/18/whats-driving-todays-high-buyer-demand-infographic/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) en el mercado que casas disponibles (https://www.simplifyingthemarket.com/es/2022/02/24/the-1-reason-to-sell-your-house-today/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769). Eso significa que los compradores están esperando ansiosamente por su casa. Al poner su casa para la venta ahora la convierte en el centro de atención. Y si trabaja con un profesional en bienes raíces para fijar el precio de su casa correctamente, puede esperar que se venda rápidamente y es probable que obtenga ofertas múltiples y fuertes esta temporada. 2. Su plusvalía está aumentando en cantidades récord De acuerdo con el informe ‘Homeowner Equity Insight (https://www.corelogic.com/intelligence/homeowner-equity-insights/)’ más reciente de CoreLogic, los propietarios de viviendas están sentados en cantidades récord de plusvalía gracias a la reciente apreciación del precio de las viviendas. El informe encuentra que el propietario promedio ha ganado $55,300 en plusvalía durante el último año. Esa cantidad de plusvalía puede abrirle puertas para que usted se pueda mudar. Si ha estado retrasando la venta porque le preocupa cómo el aumento de los precios afectará su próxima búsqueda de vivienda, tenga la seguridad de que su plusvalía puede ayudar a impulsar su mudanza. Puede ser justo lo que necesita para cubrir una gran parte, si no todo, del pago inicial de su próxima casa. 3. Las tasas hipotecarias están aumentando Si bien es cierto que las tasas hipotecarias ya han estado subiendo este año, las tasas hipotecarias actuales todavía están por debajo de donde han estado en las últimas décadas (https://www.freddiemac.com/pmms/archive). En la década de 2000, la tasa hipotecaria promedio era de 6.27 %. En el decenio de 1990, la tasa media era del 8.12 %. Para poner en contexto, la tasa hipotecaria promedio actual fija a 30 años, según Freddie Mac, es de 3.85 %. Y aunque la reciente incertidumbre global (https://www.simplifyingthemarket.com/es/2022/03/08/how-global-uncertainty-is-impacting-mortgage-rates/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) hizo que las tasas cayeran ligeramente a corto plazo, los expertos proyectan que las tasas aumentarán en los próximos meses. Doug Duncan, Vicepresidente y Economista Principal de Fannie Mae, dice (https://www.fanniemae.com/newsroom/fannie-mae-news/economic-growth-expected-slow-fed-wrangles-inflation): «Para los compradores de vivienda, creemos que los costos de endeudamiento probablemente aumentarán con el aumento de las tasas hipotecarias…» Cuando eso suceda, le costará más comprar su próxima casa. Es por eso por lo que es importante actuar ahora si está listo para vender. Trabaje con un asesor de confianza para iniciar el proceso para que pueda tomar medidas clave para realizar su próxima compra antes de que las tasas suban aún más. 4. Los precios de las casas también están subiendo Los precios (https://www.simplifyingthemarket.com/es/2022/03/03/are-home-prices-continuing-to-rise/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) de las casas se han elevado en los últimos años debido al desequilibrio entre la oferta y la demanda. Y mientras ese desequilibrio continúe, también lo hará el aumento en el valor de las casas. ¿Qué significa eso para usted? Si está vendiendo para poder mudarse a la casa de sus sueños o reducir el tamaño a algo que se adapte mejor a sus necesidades actuales, tiene la oportunidad de adelantarse a la curva aprovechando su plusvalía creciente y comprando su próxima casa antes de que los precios suban. Y, una vez que realice su compra, puede encontrar la tranquilidad (https://www.simplifyingthemarket.com/es/2022/01/11/why-inflation-shouldnt-stop-you-from-buying-a-home-in-2022/?a=722232-3e8cae2f6ca3d315e4dc920010d2e769) al saber que la apreciación continua del precio de la vivienda está aumentando el valor de su nueva inversión. En conclusión, Si quiere ganar cuando venda y cuando compre, esta primavera podría ser su oportunidad única. Comuniquémonos para que tenga la información que necesita para aprovechar el increíble mercado de los vendedores de hoy. Siga con nosotros Facebook (https://www.facebook.com/mcramosrealtor) | Instagram (https://www.instagram.com/mcramosrealtor/) | Twitter (https://twitter.com/MCRamosM) | TikTok (https://www.tiktok.com/@mcramosrealtor) El contenido de este podcast ha sido investigado y producido con sumo cuidado y no pretende ser construido como un consejo de inversión. Sin embargo, toda la información se proporciona sin ninguna garantía de integridad, precisión y actualidad. Antes de tomar cualquier decisión de vida, siempre debe realizar su propia diligencia debida y buscar orientación profesional. Good Morning Arizona o MaryCarmen Ramos no serán responsables de ninguna pérdida o daño causado por su confianza en la información u opiniones contenidas en este documento. Gracias por leer Buenos Días Arizona! Suscríbete gratis para recibir nuevas publicaciones y apoyar mi trabajo. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
23 Mar 2022
Sellers have a golden opportunity this spring
Good Morning Arizona! Welcome to my first episode of my Podcast where we will be talking about Real Estate and Life, mostly about what’s happening in the market as well as relatable motivations. If you’re thinking of selling your house (https://www.mykcm.com/2022/01/27/why-right-now-is-a-once-in-a-lifetime-opportunity-for-sellers/) this year, timing is crucial. After all, you’ll want to balance getting the most out of the sale of your current home and making the best investment (https://www.mykcm.com/2022/01/21/americans-choose-real-estate-as-the-best-investment-infographic/) when you buy your next one. If that’s the case, you should know – you may be able to get the best of both worlds today. Here are four reasons why this spring may be your golden window of opportunity. 1. The Number of Homes on the Market Is Still Low Today’s limited supply (https://www.mykcm.com/2022/01/20/buyers-want-to-know-why-is-housing-supply-still-so-low/) of houses for sale is putting sellers in the driver’s seat. There are far more buyers (https://www.mykcm.com/2022/02/18/whats-driving-todays-high-buyer-demand-infographic/) in the market today than there are homes available (https://www.mykcm.com/2022/02/24/the-1-reason-to-sell-your-house-today/). That means purchasers are eagerly waiting for your house. Listing your house now makes it the center of attention. And if you work with a real estate professional to price your house correctly, you can expect it to sell quickly and likely get multiple strong offers this season. 2. Your Equity Is Growing in Record Amounts According to the most recent Homeowner Equity Insight (https://www.corelogic.com/intelligence/homeowner-equity-insights/) report from CoreLogic, homeowners are sitting on record amounts of equity thanks to recent home price appreciation. The report finds that the average homeowner has gained $55,300 in equity over the past year. That much equity can open doors for you to make a move. If you’ve been holding off on selling because you’re worried about how rising prices will impact your next home search, rest assured your equity can help fuel your move. It may be just what you need to cover a large portion – if not all – of the down payment on your next home. 3. Mortgage Rates Are Increasing While it’s true mortgage rates have already been climbing this year, current mortgage rates are still below what they’ve been in recent decades (https://www.freddiemac.com/pmms/archive). In the 2000s, the average mortgage rate was 6.27%. In the 1990s, the average rate was 8.12%. For context, the current average 30-year fixed mortgage rate, according to Freddie Mac, is 3.85%. And while recent global uncertainty (https://www.mykcm.com/2022/03/08/how-global-uncertainty-is-impacting-mortgage-rates/) caused rates to dip slightly in the near-term, experts project rates will rise in the months ahead. Doug Duncan, Senior Vice President and Chief Economist at Fannie Mae, says (https://www.fanniemae.com/newsroom/fannie-mae-news/economic-growth-expected-slow-fed-wrangles-inflation): “For homebuyers, we believe that borrowing costs will likely rise with the increase in mortgage rates….” When that happens, it’ll cost you more to purchase your next home. That’s why it’s important to act now if you’re ready to sell. Work with a trusted advisor to kickstart the process so you can take key steps to making your next purchase before rates climb further. 4. Home Prices Are Climbing Too Home prices (https://www.mykcm.com/2022/03/03/are-home-prices-continuing-to-rise/) have been skyrocketing in recent years because of the imbalance of supply and demand. And as long as that imbalance continues, so will the rise in home values. What does that mean for you? If you’re selling so you can move into the home of your dreams or downsize into something that better suits your current needs, you have an opportunity to get ahead of the curve by leveraging your growing equity and purchasing your next home before prices climb higher. And, once you make your purchase, you can find peace of mind (https://www.mykcm.com/2022/01/11/why-inflation-shouldnt-stop-you-from-buying-a-home-in-2022/) in knowing ongoing home price appreciation is growing the value of your new investment. Bottom Line If you want to win when you sell and when you buy, this spring could be your golden opportunity. Let’s connect so you have the insights you need to take advantage of today’s incredible sellers’ market. Follow us on Facebook (https://www.facebook.com/mcramosrealtor) | Instagram (https://www.instagram.com/mcramosrealtor/) | Twitter (https://twitter.com/MCRamosM) | TikTok (https://www.tiktok.com/@mcramosrealtor) The content of this podcast has been researched and produced with great care and are not intended to be construed as investment advice. However, all information is provided without any guarantee on completeness, accuracy and currency. Before making any life decision, you should always perform your own due diligence and seek professional guidance. Good Morning Arizona or MaryCarmen Ramos will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein. Thanks for reading Good Morning Arizona! Subscribe for free to receive new posts and support my work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit marycarmen.substack.com (https://marycarmen.substack.com?utm_medium=podcast&utm_campaign=CTA_1)
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