Congratulations On Your Home Purchase

Congratulations on the purchase of your new home! You may be eligible to claim tax deductions and credits, which will save you tax dollars.

You are entitled to claim deductions for the mortgage interest and real estate taxes you paid on your home. You may also qualify to claim a tax credit if you installed solar panels on hour home.  There is no separate organizer for new home purchases, however we will need you to bring the following documents to your tax interview:

• Form 1098 - Mortgage Interest Paid. If you refinanced, have a second mortgage or your mortgage was transferred to another lender, you will receive more than one form.

• Amounts and payment dates for real estate taxes you paid on your home. If your taxes are paid through your mortgage company, taxes paid may appear on the Form 1098 you receive.

• Receipts for solar panels you installed on your main or second home during the year.



First Time Home Buyer.

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer. Here’s some information that will keep you on track.

A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your real estate agent and loan officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

• Present the homes that suit your needs as you’ve defined them.

• Help you determine which property is the best investment for you.

• Negotiate the best deal for you. With a Priority Approval letter from us in hand, your real estate agent will be able to demonstrate that you are a qualified and capable borrower.

Count On Your Loan Officer To:

• Assist you in selecting the best loan to meet your personal situation and goals. This single decision can save you thousands of dollars throughout the years!

• Keep you informed of your loan status throughout the entire process.

• Provide you with final information for the closing of your loan.

Count On Yourself To:

Congratulations On Your Home Purchase

• Make sure you are Priority Approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.

• Keep your real estate agent informed of any questions or concerns as they develop.

• Keep the process moving by providing documentation and decisions as soon as reasonably possible to your loan officer.

• Enjoy purchasing your home!



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1430 E. Indian School Rd
Ste #100
Phoenix, AZ 85014

Phone: +1 284-5197

Despite setbacks in the past year, several factors have aligned to strengthen the US real estate market. Low mortgage rates, an economy that's showing resilience, and more homeowners working from home, are just a few. It's providing a great opportunity for real estate agents in almost all areas of the country.

Last year, 88% of buyers used a real estate broker or agent to purchase their home. That figure continues to increase with 91% of these buyers recommending their agent to others. It's all about the simple personal touches such as a ā€˜congrats on your new home' letter, that make a lasting impression.

A custom new home card is a great way to close the transaction and thank your client for trusting and choosing you. Custom cards for realtors can effectively convey this message.

Benefits of Using Custom Cards for Realtors

If you're a knowledgeable, experienced, and dedicated real estate agent, you shouldn't have a problem getting new clients. However, you'll stand out even more if you gave your last client a custom card welcoming them to their new home.

This is just one benefit of using custom cards as an agent. Here are a few more:

• Thanking a client for a listing reinforces your commitment to providing the best service

• Thanking your client after showing them listings shows them you're dedicated to finding their dream home

• Congratulating a former client on the anniversary of their purchase is a great way to remind them of the great service you provided

• If you write a card to a For Sale By Owner (FSBO) after informing them of your service, it will keep you top of mind if they decide to get an agent

• It allows you to stand out in an ever-growing industry, build better relationships with your clients, and increases your likelihood of getting positive reviews

The tone of your custom greeting cards should reflect the relationship you have with your clients. This will determine if your custom card is humorous, formal, short, or spiritual.

Your client may have had special circumstances to consider when purchasing. Your message can be encouraging. Let them know that it was your pleasure to help them get past these hurdles.

The Perfect ā€˜Congrats on Your New Home' Letter

Congratulations On Your Home Purchase

The tone is one element of a good custom new home card. There are a few other elements you should keep in mind when writing your letter.

Make It Personal

If your greeting card is generic it may seem insincere. Your client may view it as a formality that you undertake to promote yourself or your business. Start by addressing your client.

Ensure that from the start of your greeting your client knows that you wrote the card with them in mind. Refer to a situation that occurred during the process. Mention a room in their home that you're sure their four-year-old will enjoy.

You can also wish them luck on the changes they indicated they planned to make once they moved in. This makes your card specific to their unique situation. It will show your client you listened throughout the process.

They'll know that you aimed to provide them with the best. Most importantly, they'll feel that you're continuing to root for their future success.

Provide Encouragement

The home buying process can be overwhelming. But moving in and settling into a new neighborhood can also fill some homeowners with anxiety. Let the new homeowner know that they've made a good decision and that things will work out for the best.

Encourage them to take one day at a time. Suggest services that can make their transition a little easier. Remind them it is an exciting time and the start of them creating their dream home.

End With On A Positive Note

How you end your note provides another opportunity to make it more personal. Let them know it was a pleasure helping them to achieve this significant milestone. Wish them and their family all the best.

Remind them that their new home is where they will create a lifetime of great memories.

ā€˜Congrats on Your New Home' Letter Examples

Here are a few examples you can refer to for your new home letter:

Formal New Home Letter

Dear Mr. and Mrs. Davis,

Congratulations! It was a pleasure assisting you in finding a house to suit your needs.

Having experienced this journey with you, I am confident that you will enjoy turning this house into your dream home.

If you require any assistance as you complete this process, please do not hesitate to contact me.

Sincerely,

Your Name Here

Informal New Home Letter

Hi Chris and Wendy,

Congrats on your new home! I enjoyed sharing every moment of your journey finding it.

Hope you're settling in. I'm a phone call away if you need any assistance or recommendations for service providers.

All the Best,

Your Name Here

First New Home Letter

Dear Hunter and Eve,

Congratulations on your new home! I'm sure you're excited to make it your own.

Congratulations On Your Home Purchase

I join in celebrating this special moment with you and wish you joy and happiness as you create wonderful memories.

If you need any further assistance, please let me know. It was great sharing this experience with you.

Best Wishes,

Your Name Here

Newly Married Couple Letter

Logan and Mary,

Congratulations on fulfilling another major milestone together! I am certain your new home will bring you both joy as you continue your journey together.

It was great working with you to find the place you now call home. May it be filled with love and happiness and become a haven where you fulfill your dreams.

I'm a phone call away if you need any further assistance.

Wishing you both all the best.

Your Name Here

New Family Home Letter

To the Baileys,

Welcome to your new home. Your search has ended with a home that has something that each of you can enjoy. It was my pleasure sharing this journey with you.

I hope it becomes a place where you continue to grow closer together and share love, happiness, and great memories.

If you need my assistance please don't hesitate to call.

Wishing your family continued happiness.

Your Name Here

Humorous New Home Letter

Francis and Megan,

Thrilled to hand over your key after making you sign a million documents! Congrats on your new home!

It may have taken us a while, but I'm glad we were able to find the perfect place for you. Enjoy making a million and more memories!

I'm here if you need anything.

Happy Unpacking,

Your Name Here

Spiritual Greeting for New Homeowners

Dear Ted and Mary,

Congratulations on your new home! May it be blessed with happy memories and cherished moments.

I wish you and your family peace and protection as you make it your own.

If there is anything I can assist you with, please let me know.

Congratulations On Your Home Purchase

Blessings to you and on your new home.

Your Name Here

Greetings for a New Home After a Difficult Journey

Dear Mark and Theresa,

I am so glad to have the opportunity to wish you all the best as you move into your new home. The journey wasn't an easy one, but I was happy to be there every step of the way to find a place where you and your family are comfortable.

I am certain the joy of this moment will continue as you make great memories in your new home.

Please do not hesitate to reach out if I can be of further assistance.

Wishing you all the best.

Your Name Here

Regardless of the message you send to your clients, Handwrytten is an ideal source for custom cards and personalized messaging. They provide an automated process that ensures your notes are unique, handwritten, and personalized.

Closing the Deal With a Custom New Home Card

A new home is more than a sale. That's why a real estate agent is more than a salesperson. You're helping a potential buyer make a major milestone in their life a reality.

It's an important role and you should try to make it as easy as possible for your client. When they close on their new home, you should be ending your relationship with them on a positive note. A ā€˜congrats on your new home' letter is a great way to say ā€˜thank you for the opportunity' and cement your place as their ā€˜go-to' agent.

A custom new home card is the perfect way to do this. Many companies create custom cards for realtors. But remember that your relationship with your clients can determine the success of your business.

Automation solutions for your business.

Scale your handwritten outreach, creating positive impressions and long lasting bond.

Choose from our cards design or your own.

Over 100 designs to choose from or design your own. Our online card customizer makes it simple.

Still need help?

Send us a note.

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What’s next on your path to financial success?!  You can’t stop here.  After settling in and allowing a few months for the moving expenses to subside and your budget to settle into this new flow – there are a few more building blocks for you to add to your financial foundation.

Retirement

Now that you no longer need to be saving every dime for your down payment, you should instead be saving every dime for your future.  Max out your retirement contribution at work.  If you are self-employed, meet with a financial advisor right away to put together a plan to help you save for retirement so you can live well in retirement.  Whether you are an employee or entrepreneur, contributing to retirement has tax benefits too.

It seems far away but it takes a long time to save up for.

Address Other Debts

Really, the only good debt to have is your mortgage.  You need a plan in place to start attacking the rest.  Maybe you need to consolidate it, maybe you just need to pay a little extra each month.  The truth is, once you have a plan in place you will feel much better.  Plus, when you create a monthly budget that includes savings and debt reduction, you will automatically feel like you just gave yourself a raise.  Trust me on this.

Budget

Speaking of!  Take a minute to sit down and analyze your finances even deeper than the underwriter just did. Where are you wasting money?  How much did you spend on UberEats last month?  Is there something else you’d rather use those dollars for?  The first step is actually the most important one, figuring out where your money is and where it’s going.

Congratulations On Your Home Purchase

Not too far down the line, the investment you just made (homeownership) is going to start yielding you returns as well.  In a few years you could use your home to consolidate more debt, or to enable you to move up to a bigger, better home or to generate income for you as an investment property.  So when you combine those gains with the financial freedom you’ll achieve by taking the steps above, you’ll be really set!


How much of a mortgage payment can you comfortably handle?

A simple way to start is with a basic monthly budget.

• List your monthly income from all sources. That total is your ā€œgrossā€ monthly income.

• Subtract from your gross income any taxes you pay or owe monthly – Federal taxes, state taxes, FICA (social Security

The property that will be pledged as collateral for a loan.

security taxes), and Medicare taxes. Don’t forget to include the monthly amount of any estimated taxes you have to pay. What is left is your ā€œnetā€ income. If you receive a paycheck, your ā€œnetā€ income should be clearly listed on it.

• Now your other monthly expenses, such as savings, utilities, groceries, insurance, car payments, tuition, clothing, entertainment, etc. (If some are payable yearly or quarterly, divide the amounts by 12 or 4 and add that to the monthly expenses.) Do not include your current rent or housing payments, since you won’t pay rent once you own your own home!

• Subtract the total of your monthly expenses from your net income. What’s left is the house payment that you can afford.

Of course, you can always adjust your spending habits to leave more for a house payment. Just be sure to be realistic if you do that. An unrealistic budget can leave you in a financial bind when reality sets in. (Can you really get by with only $300 a month to feed your family of four? Probably not! Make sure your numbers make sense for your family.)

Pre Qualify

You many have heard the terms pre-approved or pre-qualified. These days most realtors will not even take you out to look at homes until you have been pre-approved or pre-qualified with a mortgage company. This is for your protection as well as theirs. You have to normally put down earnest money and possibly pay for some inspections up front. So you want to be sure that you are approved to purchase beforehand. Upstate Mortgage

A legal document that pledges a property to the lender as security for payment of a debt.

Mortgage will pre-approve you at no cost or obligation so you have confidence when you head out there to make that offer! You will know how much you can offer for the home and what your monthly payment will be.

Start Looking

for Your Home

Find a Real Estate Agent

Most real estate agents represent the seller, they do not represent you as a home buyer. It may be tempting to use the real estate agent who is selling the home if you have started the new home search on your own. It is in your best Interest

The fee charged for borrowing money.

interest to have a real estate agent representing your interests.

Don’t Attempt Paperwork Alone

All the paperwork required for the purchase of a new home can be intimidating and frustrating, especially for a first-time home buyer. Your mortgage lender can help you with all the paperwork. They will explain everything and be sure that you understand what you’re signing. Count on your team, your mortgage lender and real estate agent. Their expertise will help alleviate your stress and will prove invaluable before you sign your mortgage.

Rely On Your Real Estate Agent To:

• Show you homes that suit the wants and needs that you’ve defined.

• Help you determine the difference between a ā€œgood buyā€ and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

• Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your real estate agent will be able to show the home seller that you are a qualified and capable borrower. This will strongly influence the seller, and may make the difference between the seller accepting your offer or someone else’s offer — even if your offer is lower!


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