Maricopa County has over 25,000 active listings right now and rates have ticked up, which means most buyers are hesitating. That hesitation is a mistake. Phoenix mortgage broker Chris Theall breaks down how to structure a winning offer in today's buyers market, including how to get closing costs covered, when you need your own Realtor, and what to have in place before you write a single word on a purchase contract.

Why is there so little inventory in Arizona? The answer has a name: the mortgage rate lock-in effect. Here is what it means for buyers trying to find a home and homeowners wondering if they should ever move.