Buying a home

Most Agents Show You Houses. I Get You Ready to Win One.

Most agents start by showing houses. Kim Williamson starts by getting you ready to win one: pre-approved, educated, searching smart, and protected to closing.

The short version

Most buying stories start the same way. Someone browses Zillow for months, calls an agent about a house they like, tours it that weekend, and then scrambles. They aren't pre-approved yet, they don't know what the property is really worth, and by the time they're ready to write an offer, somebody else's offer is already signed.

I start somewhere else. Before I show you a single home, I get you ready to win one. My buying process has four parts:

  • Ready. Pre-approved, represented, and clear on what you're after before you tour.
  • Educated. The honest reality check on what your budget buys here, before you fall for something that doesn't fit.
  • Aligned. A search built on what you actually need, so you see fewer homes and better ones.
  • Locked. An offer strategy, negotiation, inspections, and closing run so the ending is boring.

I'm Kim Williamson, REALTOR® with REAL Broker. I've lived in the Phoenix metro for 36 years and sold real estate for 24, and I've closed more than 1,000 transactions. I've also bought and designed three horse properties of my own, so I've sat on your side of the table too. What you walk away with is a home that fits and a purchase you don't second-guess.

Ready: Be able to say yes the day the right home shows up

The home a buyer loses is usually the one they weren't ready to write on. Getting ready is the least exciting part of buying and the part that wins the house.

It starts with a real conversation. Before we tour, we sit down, in person or on a video call, and talk through what you want, your timeline, and how you'll decide. If horses are part of the plan, we talk about how many, what discipline, trailer parking, arena size, and whether you need trail access. I'll explain the whole buying process so nothing later catches you off guard.

Then we get you pre-approved. Pre-approval tells you your real budget, your payment options, and which homes are actually realistic. When it's time to write an offer, it tells the seller you're serious. On horse property and acreage, the lender matters as much as the approval. Acreage, outbuildings, and water rights documentation change how a loan is underwritten, and a lender who has never closed horse property is the most common cause of horse property closing delays. I'll connect you with lenders who have.

We put our working relationship in writing. Before we tour, you sign a written buyer agreement with me. It spells out what I do for you and how I'm paid, and those terms are negotiable between us. Nothing about it is automatic or fixed.

One more question I ask every buyer: what monthly payment lets you actually enjoy your life? Your lender will approve you for one number. Your lifestyle might point to a different one. The goal was never the most expensive home possible. The goal is a home you love that doesn't keep you up at night.

Most Agents Show You Houses. I Get You Ready to Win One.

Educated: The honest reality check that saves you months

Before you fall in love with a property, you need to know what your budget actually buys in each town. This is the conversation that saves buyers months of looking at the wrong homes, and it's the one most agents skip because it isn't fun.

Here's what I walk you through:

  • Prices compared like with like. Every comparison I give you names the product type and the acreage. On stick-built homes, Gilbert runs roughly $722,892 per acre against roughly $277,041 per acre in Queen Creek, because 3+ acre parcels are so scarce in Gilbert. On sub-2-acre lots, the two markets sit much closer. Manufactured homes are a completely separate category, and I never compare them to stick-built.
  • What the water is worth. Verified flood irrigation rights typically add $75,000 to $150,000 to an East Valley horse property. A property that hasn't been irrigated in over a year can take a full year to get back on its allotment.
  • Which county you're buying in. San Tan Valley sits in Pinal County, so wells, septic, and zoning run through different offices than Queen Creek or Gilbert in Maricopa County. Property taxes differ too: roughly 0.40% to 0.64% in Maricopa and roughly 0.47% to 0.52% in Pinal.
  • What financing fits the home. A manufactured home must be built after June 15, 1976, permanently affixed, and titled as real property, and one moved more than once won't qualify for financing. USDA rural loans are available in parts of San Tan Valley and Apache Junction.

If you're moving here from another state, this step includes the honest advice I give everyone: visit in July or August before you commit, not December. See relocating to Arizona for more.

You'll finish this step knowing exactly where your money goes furthest and what trade-offs each town asks of you.

Aligned: Fewer homes, better ones

You don't need more homes to look at. You need a better way to decide. Once we know what you need and what your budget buys, we build a search around your real criteria instead of everything on the market.

The search is set up to your criteria. You get an automatic MLS search built around what you told me, not a firehose of every listing in the Valley. For relocating buyers, I add virtual tours and video walk-throughs of the properties worth your time, plus digital contracts, so distance doesn't slow you down.

Properties get screened before you drive. On horse property, a home that fails the water or zoning test on paper doesn't make the tour list. Does the zoning allow your horses? In Maricopa County single-family zoning, corrals sit 40 or more feet back with 1,200 square feet per horse. Is the irrigation current? Is the well producing? Will your vet and farrier drive out?

We look past the photos. Some of the best deals I've seen were homes buyers almost skipped because of bad photos or a terrible paint color. Paint is cheap. Location, floor plan, water, and land are what you can't change. On acreage, that means walking the ditches and checking the gates and ports in person, or scheduling the zanjero, the irrigation district's ditch rider, to walk you through the system.

We don't ignore the homes that sat. A home that's been on the market a while isn't always a problem. Sometimes the price missed or the marketing was weak, and that can mean less competition and more room to negotiate.

The result is a short list of homes that genuinely fit, and a buyer who can recognize the right one when it shows up.

Locked: An offer that wins and a closing that holds

Winning the house is half the job. Keeping it through closing is the other half. This is where preparation pays off.

The offer. The highest offer isn't always the winning offer. Sellers look at the whole package: financing strength, timelines, contingencies, flexibility, and how likely the deal is to actually close. I've had buyers win against higher offers because their package was cleaner and their story was stronger. Before we write, I find out what matters most to that specific seller.

The protections. On horse property and acreage, every offer I write carries the right contingencies, with timelines mapped before escrow opens: a well inspection covering flow rate, recovery, water quality, and pump condition, irrigation verification directly with the district, and facility condition. On land, plan for a real due diligence period, typically 30 days, with the survey ordered early.

Escrow and inspections. Arizona purchases close through escrow and a title company. Once we're under contract, escrow opens and your earnest money is deposited. During the inspection period written into your contract, your inspections happen, and any repair requests go to the seller in writing on the buyer's inspection notice. You'll also receive the seller's disclosure statement, the SPDS, plus the well addendum when the property is on a well.

The appraisal. Rural and acreage appraisals take longer than tract-home appraisals, so we build in the time. Under the standard Arizona purchase contract, you have five days after notice of the appraised value to cancel and receive your earnest money back, or the appraisal contingency is waived.

The irrigation transfer. Irrigation rights must be formally transferred with the district. They don't transfer automatically, and the process takes weeks, so I build it into the timeline from day one so the water and the deed change hands together.

Closing. A final walk-through, signing, funding, and recording, and then the keys. You'll know where things stand every step of the way.

Ready to start? Tell me what you're looking for. If this is your first acreage purchase, read first-time horse property buyers and grab my free First-Time Horse Property Buyer's Guide. For working setups, see buying East Valley horse property. Everything else I do is on the Kim Williamson Realtor home page.

This page describes my general buying process. It is not legal, tax, or lending advice. Your contract, your lender, and your own advisers govern the specifics of your purchase.

Frequently Asked Questions

Do I need to be pre-approved before touring homes?

Yes. Pre-approval tells you your real budget and shows sellers you're serious, and the home you lose is usually the one you weren't ready to write on. For horse property, choose a lender who has closed horse property loans.

Do I have to sign an agreement before you show me homes?

Yes. Before we tour, you sign a written buyer agreement that spells out what I do for you and how I'm paid. Those terms are negotiable between us and are settled up front, so there are no surprises later.

What contingencies should a horse property offer include?

At minimum, it should include a well inspection covering flow rate, recovery, water quality, and pump condition, irrigation verification directly with the district, and facility condition. Confirm zoning and horse allowances during your inspection period too.

How does the appraisal contingency work in Arizona?

Under the standard Arizona purchase contract, you have five days after notice of the appraised value to cancel and receive your earnest money back. If you don't act in that window, the appraisal contingency is waived.