Need help paying your mortgage?

In Arizona, there is a program called Save Our Home, it is Federally back program that looks at your situation and can help you pay down your principal, or reduce your monthly mortgage payments.


  Are you or someone you know struggling to pay your mortgage? Well there is help!! http://www.azhousing.gov/ There is a program that could help with lowing monthly payments, or perhaps reducing principal. Take a quick survey and you could get help! Click here to find out more!

There is a survey you must take to see if you qualify;

https://www.saveourhomeaz.gov/self-assessment/

I hope this helps you or someone you know-- for further information to see the value of your home so perhaps you could sell it please contact me and I will be happy to go over your options.

3 reasons to keep your home on the market during the holidays.

As the holidays approach, home sellers are often tempted to take their homes off the market until spring—or even wait until spring to list. After all, buyers are too busy now to search for houses, right? In a word, no. As a rule, you should list your home when you want to sell it, not when you think it will sell, because no one can predict with any certainty when the right buyer might show up at your door. In fact, canceling or postponing your listing may actually prove counterproductive. Here are three reasons why:

1. Motivated Buyers
Buyers who take time from their holiday preparations―and their holiday time off work―to house-hunt tend to be serious buyers who are ready to move. Although some buyers prefer to move in warmer weather, those who are relocating or who are purchasing upon expiration of their leases don't have a choice. Furthermore, buyers who have no children, and buyers already living in your school district, may not have a seasonal preference.

2. Less Competition
Winter inventories tend to decline, so the homes that are listed during the holiday months have less competition. And, as buyers hold off for lower prices and sellers hold off for higher ones, pent-up demand creates an urgency that can benefit holiday sellers.

3. Your Home is Already Staged
Despite temporary disarray when you're in the process of decorating for the holidays, your home looks more inviting than ever after the work is finished. The warm, festive atmosphere encourages prospective buyers to linger, as they imagine celebrating their own holidays there. If you're worried that showing requests might catch you off-guard, have a five-minute family clean-up each morning to prepare your home for the day. You also may alter your showing instructions to accommodate changes in your routine. Beyond that, leave the details to your agent as you enjoy the season and look forward to a successful sale.  Return to Newsletter

Renting? You are still paying a mortgage- why not reap the benefits?

Either Way, You’re Still Paying a Mortgage

November 4 2014

There are some people that have not purchased a home because they are uncomfortable taking on the obligation of a mortgage- or perhaps you can't because of a short sale or a foreclosure. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage - either your mortgage or your landlord’s. There are programs out there to help get you back on your feet and start reaping the benefits that you deserve!
As a paper from the Joint Center for Housing Studies at Harvard University explains: 
“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”
Also, if you purchase with a 30-year fixed rate mortgage, your ‘housing expense’ is locked in over the thirty years for the most part. If you rent, the one guarantee you will have is that your rent will increase over that same thirty year time period.
As an owner, the mortgage payment is a ‘forced savings’ which will allow you to have equity in your home you can tap into later in your life. As a renter, you guarantee the landlord is the person with that equity.
Bottom Line
Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, owning might make more sense than renting since home values and interest rates are still at bargain prices.

If you are paying your landlord’s mortgage, you are giving him some of the benefits of ownership that should fall to you since you are paying for it.  Why not find out how to reap the benefits and in some cases pay less to own your home than what that landlord is charging you? Contact me today to find out how to start!  

This home is the complete package-- Better than a New home $264,900!

The pride of ownership shows in this well-appointed highly upgraded 3 bedroom --Much nicer than a new home –it is the complete package! 2 baths, 2 car extended garage. It boasts beautiful 18in tile throughout the home, custom interior paint, with carpeting in all bedrooms & upgraded carpet in the split master bedroom and large walk-in- closet, and a wonderful great room feel with kitchen and living room area wired for surround sound. The kitchen has many upgrades; with pull out shelves, pendant lighting, granite counter tops, under cabinet lighting, Stainless steel appliances (fridge in garage conveys not one in kitchen) double ovens are ready for the holidays. Plantation shutters and faux wood blinds are throughout the home. This backyard is well equipped, too! Pavers extend the patio to lead you to a wonderful sitting area by the gas fire pit, perfect for those winter gatherings, overlooking the mature plants, and trees, grass with nice curbing to finish it off. The covered patio is also plumbed for a gas BBQ.  The cabinets and hanging storage racks in the garage convey.  The fully equipped Clubhouse offers heated pool, full fitness room, child center, meeting rooms, full kitchen, and locker room. HOA fee includes full of use of Clubhouse and amenities. This is the home you need to see, contact me for an appointment, you will not be disappointed!