A practice of RETSY, exclusive member of Forbes Global Properties in Arizona
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Questions we get asked

These are the questions that come up most often, answered the way we would answer them on a call. If yours is not here, ask us.

Getting started

I want to buy, but I honestly don’t know where to start.

That’s completely normal. Whether this is your first purchase or you haven’t bought a home in years, the process has changed considerably. From the beginning, we will walk you through what to expect, explain the process, and help you understand the decisions that will come along the way.

Step One: Get pre-qualified with a lender.

Understanding your financing gives us a clear starting point and helps establish the price range that makes sense for you. If you don’t already have a trusted lender, we can connect you with experienced professionals we know and trust to perform.

Once your pre-qualification is in place, we begin the search with a clear understanding of your budget, priorities, and the path ahead.

If I’m selling my house and buying another one, how does the timing work?

This is one of the biggest concerns for homeowners who are ready to move but are not sure how to coordinate a sale and a purchase.

There is no single right way to do it. The best approach depends on your equity, financing, the market, and how much flexibility or certainty you need. Bridge financing, lease-backs, contingent offers, and coordinating closing dates are all possible tools.

Before you list your home or make an offer, we map out the options with you so you understand how the timing could work, where the potential pressure points are, and which approach makes the most sense for your situation.

For many of our rightsizing clients, this is the first conversation we have because once the timing is clear, the rest of the move becomes much easier to plan.

What’s the first thing you do when I’m ready to sell?

We start with a conversation, then we come see the house.

We can review comparable sales before we ever meet, and we will. But location and recent sales only tell part of the story. Until we have walked your property, we cannot give you a thoughtful opinion of value. Condition, layout, updates, lot, presentation, and details that may not show clearly in photos can all affect the number.

So the first step is simple: a conversation, then a walkthrough. There is no commitment at that stage. It is simply an opportunity for us to understand the property, answer your questions, and give you a clear sense of what comes next.

The heat

How bad are the summers, really?

Dan

They stink.

That is not a sales problem. It is simply reality, and pretending otherwise does not help anyone. Phoenix summers are extremely hot.

What makes the heat more manageable is that life here is built around it. Air conditioning is everywhere, homes and businesses are designed for the climate, and people adjust their schedules accordingly.

Also, many people travel during the summer. Planning vacations and longer trips for June, July, and August is common here. And when you need a break from the heat, cooler temperatures in the mountains are only a few hours away.

Christy

The length of the summer.

The first summer can be difficult because the heat is unfamiliar. Subsequent summers carry a specific challenge: you know how long the season can last.

A hot day followed by a cool evening is one thing. What can wear on you is the stretch of summer when it is already very warm before sunrise and doesn’t cool in the evening. After a while, that can create a real sense of fatigue.

People often move here saying they survived brutal winters, so they can handle extreme heat. They probably can. But the experience is different and worth understanding before you move.

Will I get used to it?

Partly, and probably more than you expect.

Christy grew up in the Midwest, where she coached swimming and thought nothing of being in the water with temperatures in the mid 60s. Now 65 degrees in Arizona feels cold and 95 can feel surprisingly comfortable.

There is no science behind the old saying that your blood “thins,” but acclimation is real. Over time, most people find that their definition of hot changes considerably.

That does not mean 110 degrees suddenly feels pleasant. It means your body, habits, and expectations adjust.

Should I visit in summer before I buy?

If you can, yes.

Heat tolerance is personal. One person considers 105 degrees unbearable. Another will happily play eighteen holes in it. We cannot predict where you will fall.

What we can tell you is that Arizona in February does not give you the full picture of what it is like to live here year round.

If you are seriously considering a move, spending some time here during the summer is useful. And if you are still unsure, renting before buying can be a very reasonable way to experience a full season before making a long term decision.

Renting first

Would you ever tell me not to buy yet?

Yes, and we have.

Christy recently worked with someone relocating from Houston for a new medical role. After showing them homes, she recommended that they rent for a year instead of buying.

There were two reasons. First, she was not yet convinced they would love living in Arizona. Second, they were considering two very different parts of the Valley, which usually means there is still more to learn about where and how you want to live.

Buying before that picture is clear can turn an exciting move into an expensive mistake.

Our job is not to convince you to buy a house. It is to help you make the right decision about where, when, and whether to buy. Sometimes the best advice is to rent first, learn the area, and buy when you know what fits.

Water

Christy operated an irrigation company for a decade and spent years in state and regional water-planning meetings. Those answers have their own page.

Schools

Christy spent ten years teaching at a private Catholic high school, where students arrived from more than one hundred different junior highs and middle schools across Arizona. That experience shaped the way she looks at schools: not as a single statewide ranking, but school by school and child by child.

Arizona schools rank near the bottom. Should I not move here with kids?

We would not make that decision based on a statewide ranking.

Arizona has real educational challenges, and some statewide measures reflect them. But a statewide number combines very different schools, districts, student populations, programs and resources into one ranking. It tells you very little about the particular school your child might attend.

Christy’s experience in the classroom was that students arrived with very different levels of preparation. Some were ahead and some were behind. Over time, many of those differences narrowed considerably.

That does not mean every Arizona school is the same. They are not. It means we would never evaluate your child’s education from Arizona’s ranking alone.

So what’s different about education in Arizona?

Choice.

Arizona gives families a lot of it: traditional district schools, charter schools, open enrollment, private schools and Empowerment Scholarship Accounts.

The ESA program is often confused with Arizona’s private-school tax credits, but they are different programs. An ESA uses state education funding that would otherwise have been allocated for that student and allows qualifying families to use it for approved educational expenses, including private-school tuition.

Separately, Arizona taxpayers can receive state income-tax credits for donations to certified School Tuition Organizations that fund private-school scholarships. Those credits are based on the taxpayer’s contribution, not a set amount per child.

Whether you agree with Arizona’s approach or not, it is important to understand it because the education landscape here works differently from many other states.

Can you just tell me which schools are good?

We can give you information. What we will not do is reduce a school or neighborhood to a simple “good” or “bad” label.

We can discuss objective school information, programs, enrollment options and publicly available data, and we can point you toward resources that allow you to compare schools directly. A good place to start is GreatSchools.org, where you can look at individual schools yourself.

Ultimately, you should decide what matters most for your child.

What can you actually help me figure out?

Quite a bit, because sometimes the more useful question is not “Which school ranks highest?” but “Which school offers what my child needs?”

There are schools and districts around the Valley offering STEM and STEAM programs, International Baccalaureate, Advanced Placement, dual-language immersion, gifted education, arts programs, career and technical education and specialized academies.

For example, Paradise Valley Unified offers CREST, a four-year STEM program at Paradise Valley High School, as well as district-wide STEAM opportunities. Madison Heights Elementary offers a Spanish immersion program, while Madison Meadows Middle School offers International Baccalaureate.

Those distinctions can matter far more to an individual child than a statewide ranking.

Arizona also has open enrollment. A family may apply to a public school outside its assigned attendance area or even outside its home district, subject to available capacity and the school’s enrollment policies. That creates more flexibility, but it does not mean every child can attend every school. Transportation can also become the practical issue: getting your child there every morning may matter just as much as whether a seat is available.

Is private school here really cheaper than what I’m paying now?

It often is, particularly for families relocating from markets where private tuition runs higher.

We are not the right source for current tuition. Schools publish their own numbers and they change every year, so if private school is part of your plan, price the specific schools you are considering directly with them.

What we would say is to do it early. Education costs can change the math on a move, and it is better to know that before you are choosing between houses.

HOAs

Dan and Christy come at HOAs a little differently, and both perspectives are useful.

I don’t want an HOA. Can you just show me houses without one?

Yes. If no HOA is a firm requirement, we treat it as one.

Christy’s view is that when someone says “no HOA” emphatically, there is usually a reason. If you have already lived with restrictions you did not like, she is not going to spend your time trying to convince you that a different association will be better. Boards change, rules change and enforcement can change with them.

Dan asks one question first: what specifically do you not want?

Because HOAs vary considerably. Some established communities have relatively low dues and limited restrictions. Others are much more involved in what owners can do with their property. Sometimes the rule you are worried about does not exist in the community you like.

And sometimes the answer is still no HOA. That’s fine too.

What kinds of things do HOAs actually restrict?

Sometimes very specific things.

Dan recently worked with buyers from Nevada whose truck did not comply with a community’s overnight street-parking rules. The driveway could not accommodate it either. That one detail eliminated the house.

Depending on the community, rules may cover exterior paint, landscaping, parking, RVs, boats, pets, rentals, exterior alterations and even what can remain visible on a patio.

Christy’s view is simple: there is a degree of control that comes with an HOA. Some people appreciate what that control does for the neighborhood. Others do not.

How much can dues go up?

Enough that we want you looking beyond today’s monthly payment.

Dues can increase as operating costs rise, and larger repairs or underfunded reserves can lead to special assessments. The governing documents and type of association affect how increases are handled.

The bigger surprise is often the special assessment. Christy recently came across a condominium community with an approximately $12,000 per-unit assessment related to deferred maintenance.

That is why a $200 monthly HOA and a $400 monthly HOA do not necessarily tell you which association is in better financial condition. We care about what is behind the number.

Can an HOA affect my ability to get a loan?

Yes, particularly with condominiums, and many buyers do not realize this until they are already interested in a property.

The lender is not only qualifying you. With many condominium loans, it is also evaluating the project.

Problems involving the association’s finances, insurance, deferred maintenance, litigation, delinquent assessments or other project-level issues can affect whether conventional financing is available.

Christy has watched a buyer lose a property over exactly this issue.

It is one of the things we pay attention to before you get too far down the road.

Can you find out what a specific HOA’s rules are?

Usually, but sometimes it takes more work than it should.

If you have a specific concern, such as a large vehicle, a pet, an RV, a rental restriction or plans to remodel, tell us early. A targeted question is much easier to investigate than trying to interpret hundreds of pages of association documents without knowing what matters to you.

We will look for the governing documents, contact the association or management company when appropriate, and try to answer important questions before you make a decision.

Once a property is under contract, Arizona’s resale disclosure process provides much more. Depending on the type and size of the association, the required package can include the current rules and declaration, assessments, financial information, budget, reserve information and pending litigation.

So if an HOA rule would make you walk away from a property, tell us at the beginning. It is much better to investigate a dealbreaker before you fall in love with the house.

Right-sizing

Christy’s lane, and it has its own page. What right-sizing actually means, whether there is money left over, and what nobody tells you about leaving a house you have been in for thirty years.

Read the Right-Sizing page

Off-market listings

Do you have listings that aren’t on Zillow?

Yes. Ask us.

Some sellers choose not to market their homes publicly, meaning those properties will not appear on Zillow or the other sites you may be searching.

There are rules governing what we can share publicly about those listings, so we cannot advertise them here. What we can do is speak with you directly about opportunities that may fit what you are looking for.

Where do they come from?

Several places.

RETSY has an internal network where agents can share properties that are not being publicly marketed, giving us access to opportunities within the brokerage that buyers will not see on the consumer sites.

We also have relationships with builders and often hear about new projects before they are completed or publicly offered. Sometimes it is as simple as noticing a house under construction and finding out what is planned for it.

Our agent network is another source of opportunities. If we know exactly what you are looking for, we can call agents who work heavily in a particular neighborhood and ask what they may have coming to market.

Off-market properties are not always the answer, but they give us another place to look beyond what is already available in the MLS.

Why would a seller not list publicly?

Often, privacy.

Some sellers do not want a steady stream of people through their home. Others do not want photos online, a sign in the yard or neighbors knowing they are considering a sale. At certain price points, discretion can be particularly important.

Selling privately does mean giving up some of the exposure that comes with the open market, so it is not the right choice for every seller. For some, though, privacy and control over the process matter more.

Still have a question?

These are the ones we get most often. Yours might not be here. Ask us directly and you will get the same answer we would give a client.

Talk to Dan and Christy