Israel, Finley and Ramos REALTORS

Israel, Finley and Ramos REALTORS is a residential real estate brokerage based in Glendale, Arizona. The brokerage is led by broker/owner Israel Ramos, who provides real estate services to home buyers and sellers in Glendale and surrounding communities.

Broker qualifications and experience

• Designated broker and owner: Israel Ramos (also known as Israel Finley Ramos).
• Professional designations: CRS (Certified Residential Specialist) and MBA.
• Licensed real estate professional since 1984.
• Broker's license earned in 1987.
• Educational background:
• B.S. in Economics – Arizona State University.
• MBA – Grand Canyon University.
• Full-time REALTOR® certified by the National Council of Residential Specialists and the United States Department of Housing and Urban Development.

Service philosophy

Israel follows a "client first" philosophy:

• Puts clients' needs first in every transaction.
• Focuses on excellent customer service and clear communication.
• Keeps clients fully informed throughout the buying or selling process.
• Stays in contact with past clients to help them understand how market changes may affect their real estate decisions.
• Measures success by client satisfaction and long-term relationships, not by awards.
• Uses current technologies to provide efficient, high-quality service and to extend the range of services offered.

Areas served

Based on the website, typical service areas include:

• Glendale, AZ
• Peoria, AZ
• Surprise, AZ
• Waddell, AZ
• Avondale, AZ
• Laveen, AZ
• Phoenix, AZ

Property types and specialization

• Primary focus: residential real estate.
• Works with a range of clients, including first-time buyers, move-up buyers, sellers, and investors in the Glendale area.

Role as a REALTOR®

• Member of the National Association of REALTORS®.
• Adheres to the National Association of REALTORS® Code of Ethics and Standards of Practice.
• Emphasizes ethical, professional and confidential service.

If you need details beyond what is listed here (such as additional designations, languages spoken, or niche specialties), please contact the office directly.

Buyer representation

For buyers in the Glendale area, services include:

• Representing your interests throughout the home buying process.
• Providing access to MLS listings and current homes for sale.
• Supplying up-to-date market information so you can make informed decisions.
• Offering advice on neighborhoods and local market conditions.
• Guiding you through offers, negotiations, inspections, and closing.

This support is available whether you are:

• Buying your first home.
• Moving up to a larger or different home.
• Purchasing an investment property.

Service approach for buyers

• Emphasis on client-first service, including good listening, clear communication, and responsiveness.
• Commitment to keeping buyers fully informed during the search, offer, and closing stages.
• Use of current technology to make the process more efficient and convenient.

7 reasons to own a home (as described on the website)

The website outlines several common benefits of homeownership:

1. Tax benefits – Mortgage interest, property taxes, and some costs of buying a home may be tax-deductible under the U.S. Tax Code.
2. Appreciation – Historically, real estate has shown long-term, stable growth in value, although values can fluctuate over shorter periods.
3. Equity – Monthly mortgage payments help you build ownership interest (equity) in your home, unlike rent payments.
4. Savings – Building equity can act as a form of long-term savings, and certain capital gains from a home sale may be excluded from federal income tax (subject to tax rules and limits).
5. Predictability – A fixed-rate mortgage can provide more predictable housing costs over time compared with rent, although property taxes and insurance may change.
6. Freedom – Homeowners can update, decorate, and improve their property according to their preferences, subject to local regulations and any community rules.
7. Stability – Staying in one neighborhood can help build long-term community ties and provide continuity, especially for families with children.

Working with a REALTOR® as a buyer

• REALTORS® are members of the National Association of REALTORS® and follow a professional code of ethics.
• A REALTOR® can help you navigate forms, disclosures, and other technical documents involved in a purchase.
• Buyers can rely on a REALTOR® to help avoid delays or costly mistakes and to explain real estate terminology.

For details on specific properties, pricing, or current availability, please contact the office directly or use the website contact form. This agent does not publish live listing data, prices, or availability in these documents.

Overview

Israel, Finley and Ramos REALTORS works with home sellers in Glendale, Arizona and nearby communities. The brokerage aims to help you sell your home effectively and for the highest possible price based on current market conditions.

Support for sellers

According to the website, services for sellers include:

• Using proven, effective marketing strategies to promote your property.
• Working to achieve the highest possible price for your home.
• Providing professional, ethical and confidential service.
• Keeping you fully informed at each step of the selling process.

Guidance throughout the sale

Selling a home can involve many steps and decisions. The brokerage helps sellers with:

• Understanding local market conditions in the Glendale area.
• Preparing and positioning the home for sale.
• Reviewing and responding to offers.
• Navigating negotiations, inspections, and closing.

Client-first approach for sellers

The same "client first" philosophy described on the website applies to sellers:

• Accessibility and responsiveness to your questions and concerns.
• Clear communication about what is happening and what to expect.
• Focus on your goals and timelines where possible.

Working with a REALTOR® as a seller

• REALTORS® handle many real estate transactions over their careers and stay current with changes in laws and regulations.
• A REALTOR® can help prepare the necessary forms, disclosures, and documents involved in selling a home.
• Having a knowledgeable, objective third party can help you stay focused on your priorities during what can be an emotional process.

Specific listing prices, estimated sale timelines, and marketing plans are not detailed in these documents. For a personalized consultation about selling your home, please contact the office directly.

Phone and fax

• Office phone (work): 623-435-8181
• Mobile phone: 623-687-8231
• Fax: 623-295-1124

Office address

• Street address: 7149 N 45th Ave
• City: Glendale
• State: Arizona (AZ)
• ZIP code: 85301
• Country: United States

This is the main office location listed on the website.

Online contact

• Website contact form: available at https://ifrhomes.com/contact_me

The website invites you to use the contact form for any real estate questions or needs. You can indicate your preferred contact method (phone or text) when you submit the form.

Business hours

• Specific office hours are not listed on the website.
• For current availability or to schedule a time to talk, please call the office or mobile number, or use the website contact form to request an appointment.

If you need information that is not covered here (such as after-hours availability or emergency contact procedures), please contact the office directly.

Lists Ramos, Glendale Heights, and Phoenix as a location. Names Arizona and Israel as a service area. Areas beyond these are not published.

• Recognizes that financing is a major part of the buying process.
• Can refer you to mortgage contacts in the Glendale area.
• Encourages buyers to research different lenders and products to find the best fit.

The brokerage itself does not lend money or set mortgage rates.

General mortgage information from the website

• Many lending institutions offer a variety of mortgage products.
• Rates, fees, and terms can vary significantly between lenders.
• Buyers are encouraged to shop around to find the mortgage that best meets their needs at the best price.

The website references mortgage calculators that can help buyers estimate monthly payments and view an amortization table based on purchase price, interest rate, term, and other factors.

Typical documents for a mortgage application (as listed on the website)

Lenders commonly request documentation similar to the following; exact requirements vary by lender and loan type:

• W-2 tax returns (or business tax returns if self-employed) for the last two or three years for each person signing the loan.
• At least one recent pay stub for each person signing the loan.
• Account numbers and current balances for all credit cards.
• Two to four months of bank or credit union statements for checking and savings accounts.
• Lender, loan number, and amount owed on any installment loans (for example, student loans or car loans).
• Addresses where you have lived for the last five to seven years, plus landlord names if applicable.
• Brokerage account statements for two to four months and a list of other major assets (such as certain vehicles, boats, or investments not held in brokerage accounts).
• The most recent statement for retirement accounts (such as a 401(k)).
• Documentation to verify additional income, such as child support or a pension (as noted in REALTOR® Magazine, March 30, 2020, referenced on the website).

Important notes

• Specific interest rates, loan programs, and approval criteria are not provided in these documents.
• Mortgage requirements and products can change over time and vary by lender.

For current mortgage options, interest rates, or pre-approval questions, please contact a qualified mortgage professional directly or ask the brokerage for a referral to local lenders. This agent does not publish live rate quotes or lender-specific terms here.

Ask anyway — the agent will say plainly that it is not published rather than guess.