Writing
Articles and insights from Cristhian Macias.
What Is the Hardest Month to Sell a House?
October carries an 8.8 percent seller premium, the lowest of the year, while January is the slowest month for sales. Here is how seasonality works in Tucson.
Qualifying for a Second-Home Mortgage on Retirement Income
What lenders require when a retiree finances a second home: occupancy rules, reserves, debt ratios, and retirement income documentation, with Tucson figures as of July 2026.
Qualifying for a Mortgage on Retirement Income in Arizona
How lenders count Social Security, pensions, IRA distributions and investment income when qualifying retired buyers, plus what to document before applying in Tucson.
Do Buyers Pay Realtor Fees in Arizona?
What Arizona buyers owe their agent in 2026: written buyer-broker agreements, seller-paid compensation negotiated off-MLS, VA rules, and Tucson market context.
Who Pays Closing Costs in Tucson, Buyer or Seller?
Both sides pay closing costs in Arizona. Here is which items the buyer customarily covers, which the seller covers, and how concessions work in Tucson.