The Real Estate Guy

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The Real Estate Guy YOUR Realtor
CALL / TEXT 602-321-6188
Chris Dunham - The Real Estate Guy™
Brokers HUB Realty. https://linktr.ee/ChrisDunham

When you're ready to sell or buy, call The Real Estate Guy. 602-321-6188

No, there isn't one universal “three-tradeline rule” for every mortgage.A tradeline is simply an account on your credit ...
10/25/2026

No, there isn't one universal “three-tradeline rule” for every mortgage.

A tradeline is simply an account on your credit report—a credit card, car loan or similar reported debt. Some lenders and loan programs want established credit history. Others have options for borrowers with limited or nontraditional credit.

The confusion sometimes starts when somebody hears “three-bureau credit report” and thinks that means they must open three new credit cards. It does not.

Please don't go applying for accounts two weeks before trying to buy a house because somebody on social media told you to.

A solid mortgage broker can review the whole file and tell you what's actually needed for the program you're pursuing.

Call or text me and let's get you connected with a mortgage broker who can review your situation.

Chris Dunham | The Real Estate Guy™ | Brokers HUB Realty
Call or text: 602-321-6188
[email protected]
AzRLS8GUY.com

“Can my parents go on the loan with me?” It's a good question. It deserves more than a yes or no.Depending on the loan p...
10/24/2026

“Can my parents go on the loan with me?” It's a good question. It deserves more than a yes or no.

Depending on the loan program and the full financial picture, a co-borrower who won't live in the house may be allowed to help an otherwise qualified buyer. Their income could help, but their debts and credit matter too.

And here's the part everybody needs to hear: signing that note isn't a friendly character reference. It's a real financial obligation. If the primary buyer misses payments, the co-borrower can be responsible.

I've seen people focus so hard on the larger purchasing budget that they forget to ask what happens three years down the road.

Before a family member volunteers, have a lender run both scenarios and explain the obligation to everyone involved.

Call or text me and let’s get that conversation started.

Chris Dunham | The Real Estate Guy™ | Brokers HUB Realty
Call or text: 602-321-6188
[email protected]
AzRLS8GUY.com

A different-looking appraisal report doesn't mean somebody changed the rules about what your home is worth.Fannie Mae an...
10/23/2026

A different-looking appraisal report doesn't mean somebody changed the rules about what your home is worth.

Fannie Mae and Freddie Mac are transitioning to a redesigned appraisal reporting system called UAD 3.6. For new appraisal reports submitted through their shared portal, the mandatory change begins November 2, 2026. Some approved lenders have temporary exceptions, so confirm which timeline applies with your lender.

This is mainly a change to how property data is collected and reported. Buyers and sellers may notice a different report format, but a new form doesn't make every home appraise higher—or lower.

Here's what still matters: condition, comparable sales, market activity and accurate information about the property. If that guest room was converted or the permitted square footage doesn't match the listing, I want those details understood before an appraiser arrives.

Questions about a valuation? Let's talk about your specific neighborhood, not internet rumors.

Chris Dunham | The Real Estate Guy™ | Brokers HUB Realty
Call or text: 602-321-6188
[email protected]
AzRLS8GUY.com

That ink pad at the closing table isn't a new party trick.Arizona changed its notary rules, and it's worth knowing about...
10/22/2026

That ink pad at the closing table isn't a new party trick.

Arizona changed its notary rules, and it's worth knowing about before you sign. Effective September 12, 2026, notaries generally have to record a signer's right thumbprint in their journal when notarizing deeds, deeds of trust, powers of attorney and certain other documents affecting real property.

It's aimed at fighting deed fraud. It's also more specific than the rumor that every signature at every closing now requires a fingerprint. There are statutory exceptions and special rules for unavailable fingerprints and certain remote notarizations.

If you get to a signing appointment and someone hands you an ink pad, now you know why. One less surprise on closing day.

Buying or selling anywhere in the Phoenix Metro? I'll explain the process before you're sitting at the table wondering what happens next.

Chris Dunham | The Real Estate Guy™ | Brokers HUB Realty
Call or text: 602-321-6188
[email protected]
AzRLS8GUY.com

10/20/2026

This Phoenix home has its own song now. Give the reel a listen and take a look around.

3421 W Pershing Ave is offered at $444,900, with 3 bedrooms, 2 bathrooms, and 1,700 square feet—all on one level. You’ve also got a two-car garage, an RV gate, and fresh paint inside and out.

One of my favorite features is the enclosed Arizona room. Need an office, a workout space, or somewhere for your hobbies? You’ve got options.

If this looks like a place you’d want to call home, give me a call. Let’s get you inside and see what you think. And if someone you know is looking in Phoenix, send this their way.

Chris Dunham, The Real Estate Guy™
602-321-6188
[email protected]
AzRLS8GUY.com
Brokers HUB Realty

CLOSING DAY IS THE RESULT OF EVERYTHING WE DID BEFORE IT.Buying a brand-new home isn’t one decision. It’s a series of de...
10/20/2026

CLOSING DAY IS THE RESULT OF EVERYTHING WE DID BEFORE IT.

Buying a brand-new home isn’t one decision. It’s a series of decisions.

Financing.
Community.
Builder.
Lot.
Contract.
Incentives.
Upgrades.
Construction.
Inspections.
Walkthrough.
Closing.

And once you own the home, you should understand the builder’s warranty process, where warranty requests go and what documentation you should keep.

That’s why I stay involved.

For more than 25 years, I’ve helped Arizona buyers navigate the process from the first conversation through the keys. Builders manage volume. I focus on YOUR purchase, YOUR money and YOUR future home.

Thinking about buying new construction? Don’t walk into the sales office alone. Call or text me first.

Chris Dunham | The Real Estate Guy™
602-321-6188
[email protected]
AzRLS8GUY.com

10/20/2026

I do! Did I just date myself? Probably. But if you want lollipop, just follow the instructions on the video.

THE FINAL WALKTHROUGH IS NOT JUST YOUR CHANCE TO ADMIRE THE NEW HOUSE.I get it—the home is finished, everything smells n...
10/19/2026

THE FINAL WALKTHROUGH IS NOT JUST YOUR CHANCE TO ADMIRE THE NEW HOUSE.

I get it—the home is finished, everything smells new and you’re ready for the keys.

But we still have work to do.

The final walkthrough is where we confirm agreed-upon items are complete, look for visible concerns, review outstanding punch-list items and make sure the home is in the expected condition before closing.

This is exactly when excitement can make buyers stop paying attention to details.

I don’t.

For more than 25 years, I’ve stayed involved with my buyers through the finish line because the builder has a closing schedule—but I have a client to protect.

Buying brand new in Arizona? I’ll be there through the process, not just when it’s time to sign papers.

Chris Dunham | The Real Estate Guy™
602-321-6188
[email protected]
AzRLS8GUY.com

10/19/2026

Who says real estate marketing has to be boring? 😂

When you’ve got a home on PARK AVENUE, there’s only one thing to do… GIVE IT ITS OWN THEME SONG! 🎤🎷

And yes, if you’re getting those classic Jeffersons vibes, that’s exactly what we were going for!

🎵 We’re livin’ large on Park Avenue! Got that sunshine, got that view! 🎵

📍 2339 W Park Avenue | Chandler, AZ 85224

💰 Offered at $384,900!

🏡 2 Bedrooms | 2 Bathrooms
📐 1,141 Square Feet
🚗 2-Car Garage
✅ Fresh Interior & Exterior Paint
✅ Vaulted Ceilings & Open Floor Plan
✅ Private Backyard with No Rear Neighbors
🏊 Community Pool, Tennis Courts & Walking Paths

Located in Dobson Terrace, this charming single-story home offers comfort, convenience, and a little taste of that Park Avenue lifestyle without the Park Avenue price tag!

🎬 TURN UP THE VOLUME AND WATCH THE REEL!

I’m having a little fun with this one, but I’m absolutely serious about finding this home its next owner.

And if you’re thinking about buying or selling, remember: You don’t have to be a millionaire to get million-dollar service!

📲 Let’s get YOU movin’ on up!

Chris Dunham | The Real Estate Guy™
🏢 Brokers HUB Realty
📞 602-321-6188
📧 [email protected]
🌐 AzRLS8GUY.com

👇 DROP A 🎶 IN THE COMMENTS IF YOU REMEMBER THE ORIGINAL JEFFERSONS THEME SONG!

And tag somebody who needs to move on up to Park Avenue!



I verified the $384,900 asking price and property features against the current online listing.

“IT’S BRAND NEW” DOES NOT MEAN “DON’T INSPECT IT.”New homes are built by people. Multiple trades. Multiple subcontractor...
10/18/2026

“IT’S BRAND NEW” DOES NOT MEAN “DON’T INSPECT IT.”

New homes are built by people. Multiple trades. Multiple subcontractors. Tight schedules.

Things can be missed.

Depending on the builder and stage of construction, I talk with my buyers about independent inspections—including pre-drywall and final inspections when available.

The builder may have its own quality-control process. Good. I still want another qualified set of eyes looking at the home from YOUR side of the transaction.

After 25+ years in Arizona real estate, I can tell you this: identifying an issue before closing is usually a whole lot easier than discovering it after the moving truck arrives.

Buying new construction? Call me before the house is finished. Let’s talk inspection strategy.

Chris Dunham | The Real Estate Guy™
602-321-6188
[email protected]
AzRLS8GUY.com

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100 W Portland Street
Phoenix, AZ
85003

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