Thoi Truong, Realtor

10/10/2026

🏡🔥 THEY BOUGHT THEIR FIRST HOME WITH ONLY ABOUT $1,000 OUT OF POCKET! 🤯💰

YES, YOU READ THAT RIGHT! JUST $1,000!

And NO, this isn’t a gimmick. These are REAL first-time homebuyers I recently helped! 🔑🏡

While so many people in Phoenix, Arizona are waiting to save $10,000, $20,000, or even $30,000 to buy a house…

This couple became HOMEOWNERS with approximately $1,000 out of pocket! 🎉

Imagine getting the keys to YOUR first home instead of paying your landlord’s mortgage every month.

Here’s what many buyers DON’T KNOW! 👇

✅ Arizona down payment assistance programs may help.
✅ Seller concessions could help cover closing costs.
✅ FHA and other low down payment loans may be available.
✅ Some assumable mortgages offer opportunities worth exploring.

After 20+ years helping people buy and sell homes in Arizona, one thing I’ve learned is that EVERY buyer’s situation is different.

That’s why I help you explore your options BEFORE you give up on your dream of owning a home!

📍 Phoenix | Peoria | Glendale | Surprise | Scottsdale | Maricopa County

💬 COMMENT “HOME” BELOW if you want to know what programs you might qualify for!

📲 Or send me a private message with the word ”$1,000”.

🏡 Your first home might be closer than you think!

Thoi Truong | eXp Realty Arizona
AI Certified Real Estate Agent | Assumption Specialist

Actual client example. Eligibility, costs, and assistance vary. $1,000 out of pocket is not guaranteed.

10/02/2026

PHOENIX, ARIZONA MARKET UPDATE | OCTOBER 1, 2026 🏡

We’re officially in the LAST QUARTER of 2026.

And if buying a home before the end of the year is still your goal, the clock is moving.

🎄 Christmas is only 85 days away.

BUYERS: More inventory and more price reductions mean you may have negotiating power on price, closing costs, rate buydowns and other seller concessions.

SELLERS: Buyers have choices. If your home is overpriced or poorly marketed, they can simply move on to the next one.

If you want to be celebrating Christmas in your NEW HOME, this is the time to start looking, get pre-approved and negotiate while buyers still have leverage.

And if you want your home SOLD before the end of 2026, don’t wait until November or December to figure out your strategy.

📞 CALL ME TODAY.

Buyers: Let’s find the opportunities.

Sellers: I’ll prepare your FREE RPR Property & Market Analysis and show you what your home could sell for, what you could potentially net, and whether selling traditionally or AS-IS makes the most sense.

Don’t let 2026 end with you saying, “I should have started sooner.”

Thoi Truong eXp Realty
Ai Certified Real Estate Agent
Assumption Specialist

09/22/2026

PHOENIX ARIZONA BUYERS, THIS MAY BE YOUR WINDOW 🏡🔥
September 22, 2026

If you’ve been sitting on the fence waiting for buyers to finally get some leverage, PAY ATTENTION.

The market has shifted.

🏡 58% more sellers than buyers
📈 560K+ excess listings
💰 42.1% of listings had price reductions
🤝 44.7% included seller concessions
⏰ Homes are taking longer to sell

That means BUYERS finally have something they haven’t had much of in years:

CHOICES. NEGOTIATING POWER. LEVERAGE.

This is the type of market where you may be able to negotiate:

✅ A lower purchase price
✅ Seller-paid closing costs
✅ Interest-rate buy-downs
✅ Repairs or credits
✅ Better terms
✅ More time to make the right decision

And don’t forget, there are also homes available with assumable FHA and VA loans carrying interest rates around 3% or even below.

If high rates have kept you from buying, it may be time to look at ALL your options instead of sitting on the sidelines.

SELLERS, THIS MARKET REQUIRES A DIFFERENT STRATEGY.

You cannot price your home based on what your neighbor sold for two years ago and expect buyers to chase you.

In a buyer’s market:

🎯 Strategic pricing matters
🏡 Presentation matters
📣 Maximum exposure matters
📱 Digital and AI marketing matter
🤝 Negotiation matters
👨‍💼 Having the right agent managing all of it matters

The first few weeks your home is on the market are critical.

Price it wrong and buyers may skip right past it.

Position it correctly, create demand, maximize exposure, and give buyers a reason to choose YOUR home over all the competition.

And if you need to sell without making repairs, you have options too.

Get multiple cash offers and compare them against what your home could potentially sell for on the open market:

👉 FastCashOffer AI⁠

BUYERS: Message me “BUY” and I’ll show you where the opportunities are.

SELLERS: Message me “VALUE” and I’ll show you how I would position your home in today’s market.



Thoi Truong eXp Realty
Ai Certified Real Estate Agent Assumption Specialist

09/21/2026

🚨 WAIT... BEFORE YOU LET A 7.12% MORTGAGE RATE SCARE YOU OUT OF BUYING A HOME.

Yes, mortgage rates are high right now.

The latest national average for a 30-year fixed mortgage is about 7.12%.

BUT HERE’S WHAT THE HEADLINES DON’T ALWAYS TELL YOU 👇

There are homes for sale RIGHT NOW in Arizona with assumable mortgages BELOW 3%.

I’m seeing opportunities around:

🏡 2.75%
🏡 2.80%
🏡 2.88%
🏡 2.90%

Instead of getting a brand-new mortgage near today’s market rate, a qualified buyer may be able to TAKE OVER the seller’s existing FHA, VA or USDA mortgage and keep their lower interest rate.

And here’s something many buyers still don’t know:

🇺🇸 You do NOT necessarily have to be a Veteran to assume a VA loan.

You still have to qualify, the loan servicer must approve the assumption, and you need a strategy for any difference between the remaining loan balance and the purchase price.

The point is simple:

DON’T LET THE HEADLINES MAKE YOUR REAL ESTATE DECISIONS FOR YOU.

The news tells you the average.

It doesn’t tell you about the 2.75% mortgage attached to a house you could potentially buy.

Know your options.
Know where to look.
Know how to structure the deal.

Want me to show you homes in Phoenix, Peoria, Glendale, Surprise, Buckeye, Maricopa and the surrounding Arizona market with LOW-RATE ASSUMABLE LOANS?

Comment “3%” or send me a message and I’ll show you what’s available.

Thoi Truong eXp Realty 🏡
AI Certified Real Estate Agent
Assumption Specialist

09/18/2026

🚨 THE HOUSING MARKET JUST SHIFTED.

Sellers now outnumber buyers by 58%.

Think about what that means.

There are a LOT more homes competing for fewer buyers.

For BUYERS:
You may finally have some negotiating power again.

🏡 More homes to choose from
💰 More opportunity to negotiate price
📉 Seller-paid closing costs may be possible
🔑 Rate buy-downs and other concessions may be back on the table
⏰ Less pressure to make a rushed decision

Yes, mortgage rates are around 7%, but the interest rate is only ONE part of the deal.

The purchase price, seller concessions, closing costs, assumable financing and how the offer is structured can completely change the numbers.

For SELLERS:
This is NOT the market to simply put a sign in the yard and hope someone shows up.

When buyers have more choices, your home has to compete.

That means:
✅ Correct pricing from Day 1
✅ Strong digital marketing
✅ Professional presentation
✅ Maximum online exposure
✅ A strategy designed to create competition

And if your house needs repairs, don't automatically assume you have to fix everything before selling.

I specialize in helping homeowners compare their options, including selling AS-IS and getting MULTIPLE CASH OFFERS instead of accepting one lowball wholesaler offer.

The market didn't stop.

The strategy changed.

Thinking about buying or selling in Phoenix Arizona or the surrounding area? Let's look at the numbers before you make your next move.

Thoi Truong eXp Realty 🏡
AI Certified Real Estate Agent
Assumption Specialist

The housing market is shifting. Sellers now outnumber buyers by 58%, giving shoppers more leverage — even as mortgage rates top 7%. Explore what it means for you in our interactive story.

09/18/2026

Client Success Story: Do you know anyone who received money back when they bought their home?!

I love working with Veteran home buyers.

You’ve done and sacrificed so much for our country, you deserve all the VA benefits that are allowed.

I love fighting for you so that you have little to nothing coming out of your pocket when you Buy your Home.

Who do you know who I can fight for and get into their home with ease?

Comment “Home” and I’ll help you Buy or Sell your Home.

…I don’t own the rights to this music…

09/09/2026

Exciting times for another New First Time HomeBuyer! 🎉

Zero Down & Seller Pay ALL Closing Costs and Realtor Fees! 🤝

Congratulations on your New Future Home 🏡

Wanna Know How I Can Help You With Your Real Estate Needs? 🤳

08/31/2026

🏡 COMING SOON IN MARICOPA, ARIZONA | AUGUST 30, 2026

WHY WAIT 8–10 MONTHS FOR A NEW BUILD?

Here’s your chance to get that fresh, new-construction feel WITHOUT waiting months for a home to be built.

This beautiful Maricopa, Arizona home was built in 2023, has had only ONE owner, and still feels incredibly fresh and new.

🏡 4 Bedrooms
🛁 2 Bathrooms
📐 1,924 Sq. Ft.
✨ Built in 2023
🔑 Only One Owner
🌵 Front Yard Already Finished
🌴 Backyard Already Finished
🏘️ Peaceful, Quiet Neighborhood
🤝 Friendly Neighbors & Great Community Feel

Instead of buying dirt and waiting 8–10 months for construction, you can get into a nearly-new home NOW.

And one of the biggest bonuses?

The landscaping is already done.

No waiting for your backyard.
No starting from scratch.
No months of construction delays.

Just move in and enjoy your home.

🔥 COMING SOON TO MARICOPA, ARIZONA

Want to get in BEFORE it officially hits the market?

If you’re not currently working with another Realtor, contact me for details and a PRIVATE TOUR.

Know someone looking for a newer 4-bedroom home in Maricopa? SHARE this with them.

Thoi Truong eXp Realty 🏡
Ai Certified Real Estate Agent
Assumption Specialist

08/29/2026

🔥 PHOENIX, ARIZONA HOME SALES RISE FOR 5TH STRAIGHT MONTH | AUGUST 29, 2026 🏡

The Phoenix housing market may be showing signs of improving buyer demand.

According to the latest Homes.com report, Phoenix home sales increased for the FIFTH consecutive month year over year in July.

Here’s the latest snapshot:

🏡 5,776 homes sold
📈 Sales up 1.6% year over year
💰 Median sale price: $450,000
🏠 22,253 homes for sale
📉 Inventory down 4.2% year over year
⏱️ Average time on market: 66 days
📊 About 3.8 months of housing supply
🔥 Single-family home sales up 2.5%

So what does this mean for YOU?

SELLERS 👇

More homes selling can mean more opportunities, but buyers are still price-sensitive. Pricing your home correctly, positioning it properly and exposing it to the right buyers matters.

And if your home needs repairs, you inherited a property, you’re relocating, facing foreclosure, dealing with probate, divorce or simply don’t want to fix anything…

DON’T assume your only option is one lowball wholesaler offer.

I can help you compare:

✅ Multiple as-is cash offers
✅ Traditional open-market value
✅ Estimated seller net proceeds
✅ Time vs. money
✅ Repairs vs. selling exactly as-is

If you have TIME, we can look at what may help you NET more on the open market.

If SPEED matters more, we can compare multiple cash buyers and find the strongest as-is option.

BUYERS 👇

You may still have negotiating power on homes that have been sitting longer, need updating or have motivated sellers.

And don’t forget about assumable mortgages. Some FHA and VA homeowners have rates far below today’s market rates, and in certain situations you may be able to take over that existing loan.

Knowledge is power.

Before you sell your Phoenix, Arizona home or make your next purchase, know ALL of your options.

👉 Want to know what your house could sell for?

Comment “VALUE” or contact me for a private home-selling strategy.

Thoi Truong eXp Realty
Ai Certified Real Estate Agent Assumption Specialist🏡

08/26/2026

🔥 TakeOver Seller’s Low Rate Tuesday: Why Wait for Rates to Drop in Phoenix, Arizona? | August 25, 2026

Everybody keeps asking the same question:

“When are mortgage rates coming down?”

But what if you didn’t have to wait?

There are homes in Phoenix, Arizona with existing VA, FHA, and USDA assumable mortgages where the seller may already have a much lower interest rate than what buyers are being quoted today.

Instead of waiting for the market to change, you may be able to take over the seller’s existing loan and low rate, subject to qualification and lender approval.

That can be a game changer if your biggest problem is:

❌ The monthly payment is too high
❌ You can’t qualify for enough house
❌ Today’s interest rate is hurting your buying power
❌ You want to move but the numbers don’t make sense
❌ You’re a first-time buyer trying to make homeownership affordable

💡 Knowledge is power. And who you work with matters.

I’m an Assumption Specialist.

I help buyers identify assumable-loan opportunities, understand the existing mortgage, calculate the seller’s equity gap, compare payments, and navigate the assumption process.

🇺🇸 Veterans: Your VA benefits may create even more opportunities. Depending on your eligibility, the seller’s equity, the property, and loan approval, there may be situations where you can purchase with very little or potentially nothing out of pocket.

And here’s something many buyers still don’t know:

👉 You do NOT have to be a Veteran to assume an eligible VA loan.

🔥 Take over the HOME.
🔥 Take over the LOAN.
🔥 Take over the SELLER’S LOW RATE.

First-time homebuyer?
Right-sizing into your next home?
Moving up but worried about the payment?
Veteran wanting to maximize your benefits?

Let’s see what options you actually have before you decide buying isn’t possible.

🏠 If you are not currently working with another Realtor and would like me to help you find assumable homes or schedule a PRIVATE TOUR, comment:

“RATE”
“TOUR”
or simply ask me “HOW?”

Thoi Truong eXp Realty 🏡
Ai Certified Real Estate Agent
Assumption Specialist