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Debt Free Dave’s Blog

By Debt Free Dave | Agent in 85260
  • Uncontested Divorce Arizona

    Posted Under: General Area in Phoenix  |  May 6, 2010 9:58 AM  |  1,389 views  |  No comments
    In Arizona if you are getting divorce you do not necessarily need to go to court.  There are options such as mediation and arbitration.  These alternatives are not only less expensive but often they can be done in much less time.  You may also have all of details worked out, therefore you would be able to get an uncontested divorce.
  • Mediation to solve real estate disputes - Arizona

    Posted Under: Property Q&A  |  June 18, 2009 2:07 PM  |  1,542 views  |  1 comment
    Its time has come but mediation in Arizona is making its way into solving real estate conflict.  There is now a mediation clause that is standard in every Arizona Association or Realtors Contract.  I think this is a better first step for clients rather than trying to slug it out in court.  The benefits of mediation would seem to out weigh going to court.  For one going to court is expensive and it can take a long time.  Litigation can take years, while mediation can be completed in a day.  The cost of mediation is less as well.  Litigation can run in the tens of thousands of dollars quickly.  Most mediators charge between $200 - $300 per hour.  If you can get your dispute settled in a day, I think you can do the math.

    The only hitch to trying to use a mediatoris that if one party wont participate you may need to seek other methods to settle your dispute like arbitration or litigation.

    Real Estate Mediator Arizona

    Divorce Arizona
  • What is Mediation?

    Posted Under: Market Conditions  |  May 21, 2009 3:24 PM  |  1,553 views  |  No comments
    Going to court to resolve a dispute can not only be draining on your wallet but also on your emotional bank account.  If you are having a conflict with a real estate transaction, you may want to call to a mediator first befor an lawyer.  Mediation can not only resolve issues faster but it can save you on your wallet as well.  Mediation is a way to resolve conflict in an efficient manner.  In mediation both sides work together rather than against each other.

    Mediation is one of the fastest growing alternatives to going to court.  Some courts even require that parties go to mediation before litigation.

    Arizona Mediator
  • What does it take to Buy A New Home?

    Posted Under: Home Buying  |  May 20, 2009 10:35 AM  |  1,524 views  |  No comments
    Buying a home does require:

        * knowledge of industry terminology
        * knowledge of the home buying process
        * awareness of down payment assistance programs
        * understanding first time home buyer programs
        * typically good credit history and credit scores that are above 620
        * must being gainfully employed receiving some proof of income
        * have some money for closing costs and down payment - or access to get some funds for
         settlement
        * knowledge of real estate mortgage loan programs

    If you are confused by the process speak to a professional.  A bad transaction will stay with you a long time.  Many consumers that bought during the real estate bubble would be able to tell you about their misfortunes.
  • 8000 fha bridge loan program

    Posted Under: Home Buying  |  May 14, 2009 8:45 AM  |  1,532 views  |  No comments
    FHA home loans will soon be a lot better for home buyers and first time home buyers.  Hud and FHA plan on giving buyers an $8000 bridge loan that they can use now to buy a home rather than wait to get their refunds.  Not all of the details have been outlined yet.

    8000 FHA bridge loan program
  • How to raise your credit score

    Posted Under: Credit Score  |  May 8, 2009 9:21 AM  |  1,518 views  |  No comments
    How to improve fico scores and credit scores  

    When is comes to improving your credit report scores there is a lot of rotten information on the web.  The reality is that it only takes a little common sense and it will go a long way towards improving your credit.

        * Don't spend what you can't afford
        * Don't go over 30% of your available credit limit on your credit cards
        * Don't cancel your old credit cards.  If you do, your credit history will go out the window
        * Don't get too many credit cards
        * Be mindful of what credit cards you are getting.  Department store credit cards lower the quality of your credit mix

    How to raise your bad fico score
  • Understanding Your Fico Score

    Posted Under: Financing  |  May 6, 2009 9:08 AM  |  1,529 views  |  No comments
    The more you know about youryour credit score, the better you will be able to get a mortgage.  It is important that you understand your credit as well as your credit scores.  There is more than one type of mortgage.  Your credit score will dictate what programs you will be eligible for.  Typically the higher your fico score is, the better interest rate you will get.

    Different Types of Mortgage Programs For First Time Home Buyers.

        * How to increase your credit fico score
        * What factors impact your credit report score
        * How to recover from bankruptcy or foreclosure
        * Credit Repair
     

    Most Consumers Want to Know the Following about Credit Scores

        * Locking the best mortgage interest rate
        * First Time Home Buyer Programs
        * Down Payment Assistance or DPA
        * HomePath Mortgage Program
        * FHA loans, great for first time home buyers and buyers with low credit scores

    For more information about credit scores talk to your mortgage professional.
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