Buying a Home in Arizona
From the first search to the day you get your keys, Lena Elbirt guides you through every step of the Arizona process.
Your Arizona Buying Roadmap
- 1
Get pre-approved
Connect with trusted local lenders so you know your budget and can write a strong offer.
- 2
Search and tour
Focus on neighborhoods, schools, commutes and HOA rules that fit your life.
- 3
Write the offer
Most resale offers use the AAR Residential Resale Real Estate Purchase Contract.
- 4
Open escrow
Earnest money goes to a title and escrow company that manages the closing.
- 5
Inspect
Use your inspection period and submit repair requests with a BINSR.
- 6
Appraise and approve
Your lender orders the appraisal while title prepares the commitment.
- 7
Close
Sign at the title company, funds are sent, the deed is recorded and the home is yours.
Arizona Buyer FAQs
Do I need an attorney to buy in Arizona?
Not generally. Arizona closings are handled by title and escrow companies, though you may hire an attorney if you wish.
What is the BINSR?
The Buyer Inspection Notice and Seller Response is the written form where you list repair requests after inspections and the seller responds.
What is the Seller Property Disclosure Statement?
Sellers complete the SPDS to report what they know about the home. Lena helps you review it carefully.
What should I inspect in a desert home?
Beyond a general inspection, look at the roof, cooling system, plumbing, pool and spa equipment and have a wood-destroying insect (termite) inspection.
What about HOA documents?
If the home is in an HOA you receive the CC&Rs, bylaws and financials to review. Transfer fees and assessments vary.
Why does community property matter?
Arizona is a community property state, so how title is held matters. Your title company or attorney can advise you.
What is an Affidavit of Disclosure?
Some properties outside city limits in unincorporated areas require one covering access, utilities and services. Lena will tell you when it applies.
General information, not legal or tax advice. Details vary by property and contract.
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