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FINANCING YOUR PHOENIX AREA HOME... LET US HELP
Have you been thinking about purchasing a Phoenix area home? If you're like most people, you've already started using the Internet to gather ideas about what's available in the market for Phoenix area real estate. Phoenix, Arizona is an exciting and dynamic place to live and we've got a wide range of outstanding residential opportunities to choose from!
Here's something you may not realize, however. I's actually more prudent to shop for your loan first, and then your new home. Why is this? Simply put, being fully approved by your lender for the purchase price of the home you've chosen gives you a tremendous advantage! Without question, your negotiating strength with the seller and your competitive position in relation to other offers is greatly enhanced!
Additionally, taking a few minutes to get pre-approved for your home loan "upfront" will serve to sharpen and focus the entire purchase process. Your valuable time will be spent more efficiently and productively when you know that you're looking at Phoenix-Area homes you can buy! The entire pre-qualification process takes less than twenty minutes and can be accomplished easily right over the phone! Mira Vista Properties Realty Group urges you to take this vital first step in your home buying journey.
THE HOME LOAN PROCESS
1) Pre-Qualification/Pre-Approval ("Run Credit Report")
2) Formal Loan Application Taken
3) Escrow and Title Ordered
4) Property Appraisal Ordered
5) Borrower(s) Income and Asset Information Verified
6) Complete Loan Package Submitted to Loan Underwriter
7) Loan Approved
8) Forward Loan Underwriter Any Remaining Items Required
9) Loan Interest Rate Locked
10) Loan Documents Ordered and Sent To Escrow
11) Loan Documents Signed by Borrower(s)
12) Final Pre-Closing Conditions Sent To Lender
13) Loan Funds Wired to Title
14) Loan and Grant Deed Recorded, Close of Escrow... Buyers Receive Keys to Their New Home!
To request additional information about financing your Phoenix area real estate purchase, please contact one of our preferred mortgage partners:
 
Kelly Zitlow
Suburban Mortgage, Inc.
Vice President
Certified Mortgage Planner
8377 E. Hartford Drive, Suite 120
Scottsdale, Arizona 85255
Office: 480-355-8105
Fax: 480-344-7930
Email: kzitlow@submort.com
http://www.kellyzitlow.com/
Kelly Zitlow is an executive at Suburban Mortgage, she currently holds the positions of Vice President, Sr. Mortgage Advisor, and Branch Manager. Consistently a company and valley top producer, she has won the company’s prestigious President’s Club Award six times.
Kelly has extensive knowledge of all types of loan programs and can quickly navigate the nuances that each program and lender maintains. Local builders and Realtors respect her knowledge and level of service by trusting their clients with her. Her ability to listen to her clients and their needs allows her to fully determine the best loan program for their individual needs. Kelly’s unprecedented level of understanding, care, and communication with her clients during the loan process has earned her the highest form of respect her borrower’s can give, their repeat and referral business for over eleven years.
Kelly is active in the business community. She is a member of The Economic Club of Phoenix, Arizona Mortgage Lenders Association (ALMA), Women of Scottsdale, and Central Phoenix Women.
She supports numerous community and cultural endeavors. Kelly is a Circles Member of Phoenix Art Museum, and member of Arizona Costume Institute and The League at Phoenix Art Museum. She is a member of the Susan G. Komen Foundation’s Circle of Hope, Arizona Women’s Partnership (AWP), and The WISH List. Additionally she supports Sojourner Center and is currently a producing sponsor for a new play by Childsplay & Audubon Society Arizona. Kelly supports the American Cancer Society and Key to the Cure annually.
Kelly graduated Cum Laude from Arizona State University. She is passionate about her family and enjoys spending time with her husband Dan and their two sons, Jack and Nicholas.
 
Anthony Gerakos
Citizens Mortgage
Mortgage Banker
Office: 623-877-3000
Fax: 623-877-3002
Cell: 623-341-5626
Email: anthony.gerakos@citizensmtg.net
www.citizensmtg.net/anthonygerakos
Anthony Gerakos has over 10 years of experience in the Mortgage Industry. After receiving his Bachelors Degree in Finance from the University of Arkansas at Little Rock, this is the only field he has worked in. He worked as a loan processor, assistant underwriter and in secondary marketing setting interest rates.
Having that background has helped Anthony as a mortgage originator for the past 9 years. Prior to coming to work at Citizens Mortgage, a division of National City Mortgage, Anthony worked for as a licensed Mortgage Broker for 6 years in San Diego as well as the Phoenix area.
Working as a mortgage banker instead of a broker has been a very good fit. Anthony enjoys the added control that he has over loan files in this setting. He prides himself in putting the customer’s best interest first. Any loan officer can close a loan, but Anthony works to place the borrower in the best loan program for their unique situation.
He fully explains the details of the program to the borrower and gives the details of the pros and cons of all the loan programs that are available to each customer. To find out the best loan option for you, call or email Anthony today. He is available evenings and weekends via cell phone.
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