Arizona
HomeSmart Realty
Broker LC625611000
ADRE# SA701486000
Benjamin J Vigil
Real Estate Strategist
California
Cramer Consulting Group
CA DRE# 02006751
AI-Powered Buyer Readiness
KNOW WHERE YOU STAND
Before You Start Your Search.

Not sure if you’re ready to buy? BuyerIQ analyzes your current situation so you understand exactly where you stand — and what to do next.

Run My BuyerIQ Profile → See How It Works
BUYERIQ READINESS REPORT
Sample · First-Time Buyer · Phoenix AZ
SAMPLE
78
OUT OF 100
COMPETITIVE
Good position with areas to strengthen
Financing 82
Competitive 75
Flexibility 68
Urgency Match 80
GET STARTED →
✓ No Property Required
✓ AI-Assisted Profile
✓ Free & No Obligation
✓ Pre-Qual for CA & AZ
✓ Out-of-State Lender Network
Who BuyerIQ Is For

WHEREVER YOU ARE
IN THE JOURNEY

BuyerIQ is for anyone thinking about buying — whether that’s next month or next year. No property required. No commitment. Just clarity.

🏠 Just Starting Out
I DON’T HAVE A PROPERTY YET
You know you want to buy — but you’re not sure if you’re ready, what you can afford, or where to start. BuyerIQ gives you an honest picture so you can walk into the process with confidence.
→Understand your financing strength before talking to anyone
→See which seller types you’re most competitive against
→Get a personalized action plan for what to improve first
START MY BUYERIQ PROFILE →
💡 Exploring & Planning
I’M THINKING ABOUT IT
You’re in the planning stage — maybe 6 months out, maybe a year. BuyerIQ tells you where the gaps are now so you have time to fix them before you need to compete.
→Credit score impact on your buying power explained clearly
→Down payment benchmarks for the markets you’re targeting
→Honest timeline guidance — no pressure, just the truth
No Pressure. Ever.
Running BuyerIQ doesn’t obligate you to anything. Benjamin’s goal is to give you useful information — whether you’re ready now or two years from now.
The Four Dimensions

WHAT BUYERIQ ANALYZES

01
Financing Strength
Credit score, down payment, loan type, pre-approval status, and debt-to-income ratio. The foundation of your buying power.
02
Competitive Position
How your offer profile compares to other buyers in your target market. Down payment, pre-approval, and financing type all factor in.
03
Flexibility
Contingencies, sale-first situations, and timeline flexibility. Sellers notice — and buyers who can move clean win more often.
04
Urgency Match
How well you match motivated sellers — the ones most likely to accept a strong offer quickly.
Miki

Questions Before You Run the Tool?

Miki is Benjamin’s buyer strategy AI — available to answer questions about BuyerIQ, what affects your buying power, and what pre-qualification means.

CHAT WITH MIKI →
BuyerIQ Tool

BUILD YOUR PROFILE

Answer honestly for the most useful results. Benjamin receives your full report when you submit.

Let’s Start With You
Your name and email go to Benjamin right away so he can follow up personally.
✓ Benjamin has your contact info — continue at your own pace.
Your Financing Picture
Honest answers give you the most useful results. Nothing here is shared without your permission.
Approximately what percentage of your monthly income goes toward these payments? Do not include rent or your current mortgage.
Your Current Situation
Helps us identify the best strategy for your specific circumstances.
Outside CA & AZ? No problem — after you complete the tool, Benjamin will connect you with a vetted lender in your state.
Your Goals
Last section. Tell us your timeline and what matters most.
Educational tool only · Not real estate or financial advice · Not a lending commitment
BuyerIQ
THANK YOU!

Benjamin or a trusted agent partner in your area will be in touch with you shortly to discuss your situation personally. Use the button below to print or save your summary for your records.

480-466-0780bvigil@buysellcaz.com
HAVE THESE READY WHEN WE CALL
Having these available will help us serve you faster and more accurately.
✓Photo ID (driver's license or passport)
✓Last 2 pay stubs — or last 2 years of tax returns if self-employed
✓Last 2 months of bank statements (all accounts)
✓Your credit score if you know it — we'll pull it officially later
✓Any current lease or mortgage statement
✓Name and contact info of your lender if you have one
Next Step

READY TO GET
PRE-QUALIFIED?

Your BuyerIQ profile tells you where you stand. Pre-qualification makes it official.

🏠 California & Arizona
BENJAMIN QUALIFIES YOU DIRECTLY
Benjamin is an NMLS-licensed mortgage loan officer in California and Arizona. He can take your loan application and issue a pre-approval letter — all as part of the same trusted relationship.
✓One advisor for both real estate and mortgage
✓Offer strategy and financing built together
✓Access to the 1.5% bundled agent + lender rate
✓AI-assisted analysis at every step
START MY PRE-QUALIFICATION →
NMLS# 1870917 · AZ MLO# 1035617 · Arizona Wholesale Mortgage, Inc. · NMLS# 19254
🌎 Outside CA & AZ
WE FIND YOU THE RIGHT LENDER
Benjamin is licensed in California and Arizona only. For buyers elsewhere, he connects you with vetted lending partners who share the same commitment to honesty and AI-driven analysis.
✓Lenders vetted for integrity and client-first approach
✓Same data-driven, AI-informed process — different state
✓No referral fees influence who Benjamin recommends
✓Benjamin stays involved to make sure you’re well-served
Our Promise to Out-of-State Buyers
We will never refer you to someone we wouldn’t use ourselves. Every lender in our network is evaluated for transparency, fair pricing, and a genuine commitment to the client — not just the commission.
CONNECT ME WITH A LENDER →
Get Started

LET’S TALK
BUYING POWER

Benjamin J. Vigil
REACH OUT TO BENJAMIN

Not ready to run the full BuyerIQ tool yet? No problem — reach out directly. Benjamin follows up personally within one business day.

480-466-0780
CA DRE# 02006751 · AZ SA701486000 · NMLS# 1870917
Responds personally · Usually within one business day
Or send a quick message below
Send Benjamin a Message
Your info goes straight to Benjamin.
✓ Benjamin has your contact info. Continue when ready.
Your Situation
Outside CA & AZ? Benjamin will connect you with a vetted lending partner in your state.
Last Step
✅

Benjamin Has Your Information

You’ll hear back within one business day. In the meantime, run the BuyerIQ tool above or chat with Miki on the main page.

RUN MY BUYERIQ PROFILE →
Buyer Strategy AI
Miki
💬
I’m Away Right Now
Live chat is temporarily offline while we upgrade our AI systems. Benjamin personally responds to every inquiry — usually within one business day.
OR FILL OUT THE CONTACT FORM
bvigil@buysellcaz.com · 480-466-0780
NMLS# 1870917 · CA DRE# 02006751 · AZ SA701486000