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Dove Valley AZ Condominiums

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    Checklist for Home Buyers

    - Know Your Rights as a Homebuyer Before you start, there are many laws that protect you from scams, unnecessary expenses, and discrimination in the process of homebuying. Know your rights! Find out How Much Mortgage Can You Afford You can save yourself a lot of wheel-spinning if you take a..     

    Buy vs Rent

    - Why should I buy, instead of rent? Answer: You'll love the feeling of having something that's all yours - a home where your own personal style will tell the world who you are. A thriving vegetable garden in the backyard, a tiled entryway, a yellow kitchen...when you own, you can do it all your way..     

    Home Ownership : How To

    - You probably started the home buying process in one of two ways: you saw a home you were interested in buying or you consulted a lender to figure out how much money you could borrow before you found a home (sometimes called pre-qualifying). The next step is to sign an agreement of sale with the sell..     

    Buying an Affordable Home

    - Home loans can be available from several types of lenders--thrift institutions, mortgage companies, commercial banks, and credit unions. Various lenders may quote you different prices, so you should contact several lenders to make sure you’re getting the best price. You can also get a home loan thr..     

    Home Ownership: Are You Prepared?

    - You can find out by asking yourself some questions: Do I have a steady source of income (usually a job)? Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable? Do I have a good record of paying my bills? Do I have few outstanding long-term debts, l..     

    Young Buyer

    - Buying your first home can be scary, but if you follow these tips, you will do just fine! Look at as many homes as possible to get a better feel for ones available in your price range. Keep track of what you like and dislike about each home that you visit by printing and using our Home Visits W..     

    Ownership Advice

    - Know Your Rights as a Homebuyer Before you start, there are many laws that protect you from scams, unnecessary expenses, and discrimination in the process of homebuying. Know your rights! Find out How Much Mortgage Can You Afford You can save yourself a lot of wheel-spinning if you take a minut..     

    Confidence and Experience

    - Start by thinking about your situation. Are you ready to buy a home? How much can you afford in a monthly mortgage payment (see Question 4 for help)? How much space do you need? What areas of town do you like? After you answer these questions, make a "To Do" list and start doing casual research. ..     

    A REALTOR Can Help

    - Using a real estate agent is a very good idea. All the details involved in home buying, particularly the financial ones, can be mind-boggling. A good real estate professional can guide you through the entire process and make the experience much easier. A real estate broker will be well-acquainted wi..     

    Find your Dream

    - Almost everybody has a dream home. A place they like to wander through in their thoughts, choosing imaginary wallpaper and putting in imaginary skylights. But for too many people, dream homes remain just that--dreams. The reality of owning their own home never seems to become theirs. Once you have ..     

    Your Wish List

    - Creating a Wish List on paper will help you decide which home you should buy! There are many things to consider when thinking of your new home and making a wish list. You can create check boxes to help you weed out the less than satisfactory homes. Be sure to prioritize your list so that each ite..     

    House Search

    - Start by thinking about your situation. Are you ready to buy a home? How much can you afford in a monthly mortgage payment ? How much space do you need? What areas of town do you like? After you answer these questions, make a "To Do" list and start doing casual research. Talk to friends and family, ..     

    Real Estate Ads

    - 4B/2B -- four bedrooms and two bathrooms. "Bedroom" usually means a sleeping area with a window and a closet, but the definition varies in different places. A "full bathroom" is a room with a toilet, a sink and a bathtub. A "three-quarter bathroom" has a toilet, a sink and a shower. A "half bathroo..     

    Approval Letters

    - Pre-qualification is an informal way to see how much you maybe able to borrow. You can be 'pre-qualified' over the phone with no paperwork by telling a lender your income, your long-term debts, and how large a down payment you can afford. Without any obligation, this helps you arrive at a ballpark f..     

    Home Hunt

    - Every neighborhood is different. It is strongly recommended that you research the neighborhood you plan on living in before buying your home. It is even advisable that you park nearby and walk to neighborhood after the normal work day is done to see what the area is really like! Depending on you..     

    Home Selection

    - HOW CAN I KEEP TRACK OF ALL THE HOMES I SEE? If possible, take photographs of each house: the outside, the major rooms, the yard, and extra features that you like or ones you see as potential problems. And don't hesitate to return for a second look. Use the HUD Home Scorecard to organize your pho..     

    Comparison Shopping

    - Print out this worksheet and make notes about the homes you visit. Features House #1 House #2 House #3 Address Price Location # Bedrooms # Baths Square Feet # Garages Family Room Air Conditioning Fo..     

    Mental Control

    - One tip that may be effective, is to take a deep breath! If this doesn't work, remember that there are more homes! A home seller can smell anxiety and excitement, so keep caml and find several houses that you wish to buy. Dont buy into the 'dream home' mentality. Find several homes that fit yo..     

    Effective Offer Writing

    - HOW DO I MAKE AN OFFER? Your real estate agent will assist you in making an offer, which will include the following information: Complete legal description of the property Amount of earnest money Down payment and financing details Proposed move-in date Price you are offe..     

    Mortgage Loan

    - Just as there is more than one kind of home, there is more than one way to finance it. Mortgage lenders have come up with many different methods of helping you pay for a home--each one with its own advantages and disadvantages. First of all, you should know that HUD itself does not provide finan..     

    Basic Mortgage

    - Generally speaking, a mortgage is a loan obtained to purchase real estate. The "mortgage" itself is a lien (a legal claim) on the home or property that secures the promise to pay the debt. All mortgages have two features in common: principal and interest. Also Consider LOAN TO VALUE (LTV) H T..     

    Mortgage Alternatives

    - WHAT TYPES OF LOANS ARE AVAILABLE AND WHAT ARE THE ADVANTAGES OF EACH? Fixed Rate Mortgages: Payments remain the same for the the life of the loan Types 15-year 30-year Advantages Predictable Housing cost remains unaffected by interest rate changes and inflation. ..     

    Select a Mortgage

    - WHAT TYPES OF LOANS ARE AVAILABLE AND WHAT ARE THE ADVANTAGES OF EACH? Fixed Rate Mortgages: Payments remain the same for the the life of the loan Types 15-year 30-year Advantages Predictable Housing cost remains unaffected by interest rate changes and inflation. ..     

    Apply for a Mortgage

    - To ensure you won't fall victim to loan fraud, be sure to follow all of these steps as you apply for a loan: Be sure to read and understand everything before you sign. Refuse to sign any blank documents. Do not buy property for someone else. Do not overstate your income. ..     

    Your Loan

    - There are several things you need to think about before you apply for your loan! Example..How much money will I have to come up with to buy a home? Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up ..     

    Debt To Income Ratio

    - The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. According to the FHA,monthly mortgage payments shoul..     

    Home Inspection

    - Once you've found the home of your dreams, it's time to make an offer to buy it. Before deciding how much to offer, HUD urges you to get a professional inspection. It can also be helpful to find out how long the home has been on the market-if it's been for sale a while, the seller may be more willin..     

    Home Insurance

    - DO I REALLY NEED HOMEOWNER'S INSURANCE? Yes. A paid homeowner's insurance policy (or a paid receipt for one) is required at closing, so arrangements will have to be made prior to that day. Plus, involving the insurance agent early in the home buying process can save you money. Insurance agents ar..     

    Home Inspector Worksheet

    - Though a final assessment can be made by an inspection service company, this checklist can serve as a reminder of some things to consider to make wise buying decisions. Check the foundation, floors, walls and poured concrete. Make sure there's no evidence of water seepage or moisture pr..     

    Safety Inspection

    - Before you buy a home, you'll want to know exactly what it is you're getting. An inspector checks the safety of your potential new home. Home Inspectors focus especially on the structure, construction, and mechanical systems of the house and will make you aware of only repairs,that are needed. ..     

    Property Negotiation

    - A seasoned real estate agent can help you with all three of these items. They're experienced negotiators and have written hundreds (thousands?) of offers on all types of property. They are also familar with the market and neighborhood so can be of some assistance when it comes to shooting for a lo..     

    Negotiating Tips

    - These tips will help you get the very best deal and write the best possible offer: Have the home inspected - You can deal off any flaws! Learn which financing options can benefit the buyer. Ask for advice! A seasoned real estate agent can help you with all three of these items. They're ..     

    Credit History

    - The FHA is generally more flexible than conventional lenders in its qualifying guidelines. In fact, the FHA allows you to re-establish credit if: two years have passed since a bankruptcy has been discharged all judgments have been paid any outstanding tax liens have been satisfied or app..     

    After The Loan

    - It usually takes a lender between 1-6 weeks to complete the evaluation of your application. Its not unusual for the lender to ask for more information once the application has been submitted. The sooner you can provide the information, the faster your application will be processed. Once all the info..     

    Closing a Home

    - This will likely be the first opportunity to examine the house without furniture, giving you a clear view of everything. Check the walls and ceilings carefully, as well as any work the seller agreed to do in response to the inspection. Any problems discovered previously that you find uncorrected sho..     

    Review A Closing

    - This will likely be the first opportunity to examine the house without furniture, giving you a clear view of everything. Check the walls and ceilings carefully, as well as any work the seller agreed to do in response to the inspection. Any problems discovered previously that you find uncorrected sho..     

    Closing Costs

    - HOW DOES THE LENDER DECIDE THE MAXIMUM LOAN AMOUNT THAT CAN AFFORD? The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony,..     

    Home Loans

    - You can save yourself a lot of wheel-spinning if you take a minute to figure out how much mortgage you can afford. Generally, a lender will want your monthly mortgage payment to total no more than 29% of your monthly gross income (that's your monthly income before taxes and other paycheck deductions..     

    Escrow Advice

    - Escrow - A neutral third party holds documents and money for a real estate transaction and ensures that all conditions of a sale are met. Also refers to a special account that a lender uses to hold a borrower's monthly payments on property taxes and insurance. The amount of money that you will be..     

    Loan Closing Advice

    - WHAT MAKES UP CLOSING COST? There may be closing cost customary or unique to a certain locality, but closing cost are usually made up of the following: Attorney's or escrow fees (Yours and your lender's if applicable) Property taxes (to cover tax period to date) Interest (paid from date ..     

    Real Estate Tax Benefits

    - The purchase - The IRS says you can deduct interest in the year that it is paid, and that is usually part of each monthly loan payment. Mortgage interest - In general, you can deduct interest charged on a loan used to acquire or improve your principal residence in the year that it is paid. Th..     

    Real Estate Tax Shelter(s)

    - You May Be Able To Shelter Up to $500,000 In Your Home! If you have a gain from the sale or exchange of your main home in 2003, you may be able to exclude from income up to $250,000 of the gain ($500,000, for certain married taxpayers filing a joint return). The exclusion may be allowed each time..     

    Real Estate Appraisal

    - You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more ambiance, and have lower property tax rates. People who buy older homes, however, shouldn't mind maintaining their home and making some repairs. Newer homes te..     

    Real Estate FSBO Advice

    - Granted, some people are able to sell their own homes without the services of a real estate agent. Some of these successful do-it-yourselfers are very experienced home sellers. Others are transferring ownership of their home to a child, a coworker or a tenant who's already living in the home..     

    Real Estate Agent

    - One of the most complex and important financial events in peoples’ lives is the purchase or sale of a home or investment property. Because of this complexity and importance, people usually seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate broker..     

    More Tax Advice

    - You may qualify to exclude from your income all or part of any gain from the sale of your main home. Your main home is the one in which you live most of the time. Ownership and Use Tests To claim the exclusion, you must meet the ownership and use tests. This means that during the 5-year period..     

    Real Estate Appraisal Info

    - The appraisal process is often considered to be the process of analyzing collecting and reconciling data that relates to any home or property being appraised. This data is then formatted in an order that can lead the reader of the report to the same conclusions as the appraiser. You should look ..     

    Property Appraisal

    - The preparation of any appraisal begins with an interior and exterior inspection of any given home, building or property. The appraiser then looks for assets and any and all detriments that the real estate will offer by viewing the property with an objective perspective. Some of the more impor..     

    Pricing Your Property

    - If you´ve decided to sell your home, chances are you´re caught up in a host of emotions. You may be looking forward to moving up to a new dream house or facing the uncertainty of a major move across country. You may be reluctant to leave your memories behind or eager to start new adventures. Whateve..     

    Housing Market Info

    - Homeowners have a seemingly insatiable appetite for information about the housing markets. "Are prices going up? How's the market? Is now a good time to sell?" they ask. Research reports and newspaper articles provide useful answers, but the information is usually buried in economic jargon. ..     

    Real Estate List Price

    - An agent can help you set your best list price because they have access to data you may not! Consider the free home evaluation tool. This is but a small taste of the data at the fingertips of of your real estate agent! Consider these things when deciding whether or not to work with a listing ag..     

    Getting Real Estate Ready

    - From experience, realtors also know that a "well-polished" house appeals to more buyers and will sell faster and for a higher price. Additionally, buyers feel more comfortable purchasing a well-cared for home because if what they can see is maintained, what they can't see has probably also ..     

    Multiple Offers

    - A "seller's market," in one in which competition for houses gives a seller the advantage! It is the result of all kinds of things we do not have control over, from the economy to the sudden and amazing popularity of any given city or neighborhood. When this happens, home prices tend to rise with..     

    Selling My Property

    - Making a good first impression can mean the difference between receiving serious offers for your home or being subjected to months of lookie-loos dropping by but never buying. How can you ensure that your home will make the best impression possible? Here are six tips for savvy home sellers: ..     

    Listing Real Estate

    - Realtors and buyers often work together without a written contract, but the opposite is true for realtors and sellers. On the listing side, written contracts are overwhelmingly the rule, not the exception. A listing agreement is a binding legal contract that shouldn't be taken lightly. The ..     

    Marketing Info

    - Your home should be listed, whenever possible, in the local Multiple Listing Service and on my site, which has a huge online database of homes and virtually 100% of potential buyers who look for property on the Internet. AdvertisingThe realtors largest expense has traditionally been classif..     

    Your Open House

    - The weekend open house is a time-honored tradition in real estate sales, but has it outlived its effectiveness? Quite possibly, according to a new survey conducted by the Real Estate Center at Texas A&M University. The survey results hint at the notion that public open houses may be more..     

    Open House Expectations

    - Your agent is closing up shop in your home after a weekend open house. You cleared out early, as instructed, but now you've returned home and are bursting with curiosity about the day's event. Here are some questions you might want to ask: 1. How many people stopped by and who were they? If..     

    Pick An Offer

    - In many of today's strong real estate markets, home sellers can expect to receive multiple offers for their home. Multiple offers are a classic example of economic realities because they appear when the supply of homes for sale is limited and the demand for good-condition homes is strong. Se..     

    Property Inspection

    - A pre-sale evaluation from a qualified home inspector can save both money and heartache. You'll end up with a list of repairs you can address before you sell. The last thing you want is a surprise during the buyer's home inspection that will force you to lower the price or make costly, last-minute r..     

    Real Estate Tax Advice

    - You may qualify to exclude from your income all or part of any gain from the sale of your main home. Your main home is the one in which you live most of the time. Ownership and Use Tests To claim the exclusion, you must meet the ownership and use tests. This means that during the 5-year period..     

    Sell Your Home Fast

    - Don't waste time. The longer a house sits on the market, the less likely you are to get the best price. Put your house on the market during the spring or fall, when the most buyers are looking; avoid the seasonal slow periods of mid-summer and mid-winter. Remember, you're paying property tax, insur..     

    Dont Let It Fall Through

    - The following represents the most common reasons why deals fall through Moving too fast. It can be tempting to push negotiations through quickly, especially if you need to sell for financial or relocation reasons, or if the market is fast (if there are many buyers but few listings). Take the t..     

    Real Estate Negotiation

    - When writing a purchase contract, avoid expensive terminology such as paying a buyer's closing costs, and of course you should watch out for all the contingencies that could cost you time with your home off the market. If the buyer wants to close on the sale contingent with the selling of his or her..     

    Negotiating a Contract

    - When writing a purchase contract, avoid expensive terminology such as paying a buyer's closing costs, and of course you should watch out for all the contingencies that could cost you time with your home off the market. If the buyer wants to close on the sale contingent with the selling of his or her..     

    Property Trust(s)

    - An REIT is a company dedicated to owning and, in most cases, operating income-producing real estate, such as apartments, shopping centers, offices and warehouses. Some REITs also are engaged in financing real estate. Most importantly, to be a REIT a company is legally required to pay virtually all o..     

    Property Investment

    - If that's the question that keeps you up at night, welcome to the club. Many investors are wondering where to park their cash. And with the stock market in the dumps and real estate going gangbusters, who hasn't wondered if becoming the next Donald Trump is where it's at? Nationally, housing..     

    Real Property Definition

    - Real property is generally defined as land and the things permanently attached to the land. Things that are permanently attached to the land, also can be referred to as improvements, include homes, garages, and buildings. Substances that are beneath the land (such as gas, oil, minerals) are also..     

    Property Rights

    - You have a right to do with the land as you please, subject to restrictions imposed by law. When you own land, you can do many things with it, such as: use it rent or lease it to others sell or transfer it give it away use it as collateral for a loan bequeath it to intended benef..     

    Fico Scores Effect Purchasing

    - FICO® scores were developed by Fair Isaac & Company, Inc. for each of the credit repositories. The scores are: (Equifax) Beacon®, (Experian formerly TRW) Experian/FICO and (TransUnion) Empirica®. They are simply repository scores meaning they only consider the information contained in a pe..     

    Credit Info

    - Did you know that 75% of all mortgage lenders use a three-digit credit score to determine your loan eligibility?  This score is based on the information contained in your credit report. And the interest rate you will be charged is based on your credit score, so raising your credit scor..     

    Mortgage Funding Info

    - The reason why most commercial mortgage deals don't get funded is not because you can't find a lender. More often than not, the reason can be traced back to the "presentation" of the loan request. For example, when completing a residential loan, you fill out a 1003 using Point, Genesis, or a..     

    Understanding Your Credit

    - If you have ever applied for a charge card, student loan, or other kinds of credit, you probably have a credit report (or credit profile). Credit reporting agencies collect and organize information about you and your repayment history, and make it available to those who are considering granting you ..     

    BLOGS::Moser Group on Phoenix Market

    - Welcome to our Blog Post. We will try and use the Blog Post to help keep you informed with what is going on in the Phoenix Real Estate Market. The Moser Group specializes in Phoenix area real estate We love Phoenix! And we're passionate about the real e..     

    BLOGS::Property Values up in Phoenix Real Estate

    - The Phoenix real estate market has seen one of the fastest and biggest increase in values in the country. the last 12 months have seen a increase of 19.8 percent increase. That puts us #4 in the country.Their is still a-lot of growth needed for Phoenix to see a strong and healthy market but we are m..     

    BLOGS::Peoria Az. new park Pioneer Park to open Sept. 2

    - As many of you know my boys are all into to baseball big and have been excited about the new park opening in Peoria. All indications are that this is a top notch park. Now if we could just get some ball fields in northern Peoria. Here is the info on the new park that I attached.Residents are invited..     

    BLOGS::Real Estate future looking good in Arizona

    - Phoenix Arizona Real Estate home prices had a good growth in 2013 and Economists think the future in the Arizona's Real Estate market looks bright. Arizona is behind the rest of the nation in Job growths but this week at the Phoenix Chamber of Commerce economists feel the upswing has just started. “..     

    BLOGS::Fletcher Heights Water Company

    - The Water Company in Fletcher Heights is looking to be bought by City. Please see article recently in the Peoria Times.City begins negotiations to buy water companyPosted: Thursday, October 23, 2014 12:40 pmBy CAROLYN DRYER, Editor | 0 commentsAfter a lengthy presentation by staff at an Oct. 21 stud..     

    BLOGS::Peoria Home Prices Spike 13.22 in 2014

    - Peoria Az. home Prices have jumped 13.22% in the last year!Find Out How Much Your Homes Value Has Jumped For FREEPeoria Real Estate Home owners,I am happy to inform you that your PeoriaHome is probably worth more than you think it is! The Peoria Real Estate Market is RED HOTand homes are selling qui..     

    BLOGS::Peoria Home Prices jump 13.22% in 2014

    - Peoria Az. home Prices have jumped13.22% in the last year!Find Out How Much Your Homes Value Has Jumped For FREEPeoria Real Estate Home owners,I am happy to inform you that your Peoria Home is probably worth more than you think it is!The Peoria Real Estate Market is RED HOT and homes are selling qui..     

    BLOGS::Phoenix area foreclosures up in October

    - The number of metro Phoenix houses taken back by lenders rose slightly last month but the overall trend is back to pre-bust levels.In October, 469 houses were foreclosed on across the Valley, compared with 405 in September, according to The Information Market, a real estate research firm owned by th..     

    BLOGS::Peoria High School football team Liberty in Quar

    - Peoria High School team Liberty advances to quarterfinals with win over St. Mary’sThe #1 ranked Liberty Lions football team will now host No. 8-seeded Oro Valley Canyon del Oro in the quarterfinals 7 p.m. Nov. 14  Liberty High School is at 95th Ave and Deer Valley in Peoria Az.Go Liberty!..     
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