There is quite a bit of real estate available in Arizona, because new homes are being built constantly. If you’ve ever been to Arizona, you may be surprised by its vast open spaces – and even the new developments that spring up don’t seem to take anything away from all of that wide open space. In fact, all of that beautiful space is what attracts many people to the Arizona real estate market!

Many people buy real estate from a distance, sight unseen. While this practice can be used to scam people out of their hard-earned money, if you follow certain guidelines you and your money should be relatively safe. Start by understanding what documents you should see throughout the sale process.

The first thing you should see is the MLS printout. MLS stands for Multiple Listing Service. The MLS printout is a copy of the listing that was sent out by the service. It contains a description of the property, and there may be statements made in the MLS that need to be verified for accuracy. If the property or home is in a new sub-division, you need to ask for the Public Report as well.

Other important documents that you should request include the Seller’s Property Disclosure Statement (SPDS), Covenants, Conditions, & Restrictions (CC&Rs), governing documents from the Home Owner’s Association, HOA Disclosures, the Title Report, the Home Warranty Policy, an Affidavit of Disclosure, Lead-Based Paint Disclosure, County Assessors Records, and a Professional Home Inspection Report. Make sure that you get a copy of all of these documents, for your own protection. It is a good idea to have your lawyer look at these documents as well.

There is quite a bit of information that you need to learn about a property in the state of Arizona before making a purchase. For instance, some places in the state may be infested with scorpions, which are quite common in Arizona and are hard to get rid of. Some areas of Arizona contain soil and groundwater that has been contaminated by improper disposal methods. All of this information can be found at the Arizona Department of Real

Before you start to look for a property in France it is vital to know your budget. How much money do you have? How much are you prepared to borrow? Can you obtain a loan for the amount you require?

Different regions of France, and different parts of those regions, have varying prices for similar properties. Many local and national factors come into play in deciding the price of property across France, as in any country. Until you know your price range it is difficult to start searching for the area that suits you.

There are many UK banks and building societies that lend money on French property; there are also French banks that lend to foreign buyers or you may choose to raise the funds on your current property.  You can search lenders out directly, use the services of a financial adviser or mortgage broker, or come to VEF for help and advice.  It is important to be clear how you plan to raise the funds, the length of term, the interest rate, the type of mortgage, penalty clauses for early payment, the proof of income that will be required, the need for a medical and the length of time the mortgage will take to arrange.

At VEF we have researched the mortgage market for many years and continue to do so constantly to ensure that our clients get the very best service and the very best deals. There are constantly new financial products on offer and it is the job of our mortgage partners to be up to date with all the latest information. If you choose to use one of our partners, all your financial research will be done for you and you will receive written confirmation of the maximum amount of money you can borrow before you travel to France. Using one of the VEF approved brokers will save you time during the purchasing process.  Good properties do sell quickly anywhere in the world, and France is no exception to this. You will be more likely to secure the house you want if you have organised your finances before going to France to view properties.