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Real Estate FAQs

Buying or selling in the West Valley? Here are the questions I get asked most — answered straight.

Buying a Home

Much less than most people think. FHA loans start at 3.5% down, conventional loans can go as low as 3%, and VA loans require 0% down for qualifying veterans. Arizona also offers the HOME Plus program, which provides up to 5% in down payment assistance as a grant that never needs to be repaid. On a $400,000 home, that's $20,000 toward your purchase.
For FHA loans, the minimum is 580 (sometimes 500 with 10% down). Conventional loans prefer 620 or higher, with the best rates above 700. Don't let an imperfect score stop you — I work with lenders who can create a credit improvement roadmap.
Closing costs typically run 2–5% of the loan amount and cover lender fees, title insurance, appraisal, escrow, and prepaid items like homeowner's insurance and property taxes. On a $350,000 home, budget $7,000–$17,500. In many transactions, the seller can be negotiated to contribute toward your closing costs.
Top neighborhoods include Palm Valley (established community near Loop 101 with great schools), Estrella Mountain Ranch (resort-style amenities and mountain views), and Canyon Trails. Nearby, Verrado in Buckeye is excellent for new construction. I specialize in the West Valley and can help match you to the right neighborhood for your lifestyle and budget.
I'm Eva Sandoval — a fully bilingual (English and Spanish) Realtor® serving Goodyear, Avondale, Litchfield Park, Buckeye, and Surprise. I offer all services in both languages: consultations, negotiations, paperwork, and ongoing communication. Call (623) 343-9144 or contact me here.

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Selling Your Home

Typical seller costs include agent commissions (negotiated), closing costs of 1–3%, any repair credits to the buyer, and your remaining mortgage payoff. I prepare a free net sheet before you list so you know exactly what you'll walk away with — no surprises at the closing table.
Well-priced, well-presented homes typically go under contract in 1–3 weeks. Once under contract, expect 30–45 days to close depending on the buyer's loan type. In August 2026, the average days on market in Goodyear is around 65 days — though correctly priced homes sell much faster.
You're not legally required to, but most sellers benefit significantly from professional representation. I provide pricing strategy, professional marketing, negotiation, transaction coordination, and legal guidance — typically resulting in a higher net sale price and fewer complications.
Eva Sandoval is a top-rated bilingual Realtor® serving Goodyear, Avondale, Litchfield Park, and the greater West Valley. She specializes in move-up buyers, relocation, VA loans, and first-time homebuyers — in English and Spanish. Licensed in Arizona (SA699895000), affiliated with 3rd Base Realty Group, LLC. Call (623) 343-9144.

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West Valley Market

The West Valley remains one of Arizona's fastest-growing regions. Goodyear, Avondale, and Buckeye are seeing continued job growth from employers like Amazon, Microsoft, and City of Hope. In 2026, inventory has improved compared to 2021–2023, giving buyers more options and negotiating power. Mortgage rates are around 6.5%, and down payment assistance programs are available. The best time to buy is when you're financially ready.
As of August 2026, the median home price in Goodyear is approximately $478,000 for single-family homes. Homes are averaging about 65 days on market. The list-to-sale ratio is approximately 98–99%, meaning homes are selling close to asking price when priced correctly.

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VA Loans & Special Programs

A VA loan is a mortgage benefit available to veterans, active military, and surviving spouses. It allows you to buy a home with zero down payment, no private mortgage insurance (PMI), and competitive interest rates. I'm a VA loan specialist and have helped multiple veteran families purchase homes in Goodyear and Avondale using this benefit.
Yes — Arizona's HOME Plus program offers up to 5% of the loan amount as a grant (not a loan) for down payment and closing costs. There are income and purchase price limits, but many West Valley buyers qualify. Read my full guide on Arizona down payment programs →

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