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85614 : Real Estate Advice

  • All20
  • Local Info2
  • Home Buying5
  • Home Selling5
  • Market Conditions2

Activity 18
Sat Aug 13, 2016
whkraus asked:
Wed Aug 3, 2016
Stuart asked:
Tue Mar 8, 2016
Karen Peyton answered:
If you have tried using different browsers without success, chalk it up to Trulia (rather "Zulia") making changes to the site once again. You aren't the only one having difficulty over the past two to three weeks.
While I imagine it will be up and running shortly, it doesn't help you if you are searching for a home "now." To that end, find a Realtor in the area you wish to live and have them email (you) a personalized home search with a "live" feed directly from MLS.
To find an agent, use the tab at the top of the page and call (don't email) for assistance.
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0 votes 1 answer Share Flag
Wed Jan 6, 2016
Swele3 asked:
Mon Aug 3, 2015
Brandon Thompson answered:
I'd like to know this, also. Doesn't look like it's possible, but it should be. It's kind of essential for what I need.
2 votes 1 answer Share Flag
Mon Apr 20, 2015
Marsha Klinefelter Royer asked:
Wed Jan 28, 2015
John Gamble asked:
I tried to get you free home buyers checklist, but the link just takes me to an add for ADTECH. How do I get the checklist?
0 votes 0 Answers Share Flag
Sat Jan 10, 2015
USMortgageRanger answered:
Thanks for service to our country from one Veteran to another. As a Veteran if there is still unused portion of your COE you can used it to qualify for a 2nd home as long as it follows the guidelines. I would be delighted to go over the details with you.

We are the Nation only veteran-owned, federally chartered bank with a focus on educating customers about the mortgage process and providing opportunity for home-ownership. Meet the Veterans from our CEO to every other Mortgage Banker at our website chances you may have served with one of us. We have complete control of the entire Lending process with the ability to lend in all states. We specialized in VA direct Loan.

I recognize that you are very busy, so I am only asking you to spend 6 minutes with me to discuss your needs so we can determine if we can be of service to you. After answering just a few simple non-credit related questions (I do not need to pull your credit report in advance) I will be able to email you some options that will allow you to immediately determine if we are the right choice for you and your family.
I look forward to working with you to make your dreams a REALITY.

Lowell Sterling
Mortgage Banker
NMLS# 968898
The Federal Savings Bank
Mobile: 469-347-3572
Direct: 512-717-0403
https://www.thefederalsavingsbank.com/LowellSterling
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0 votes 2 answers Share Flag
Fri Dec 19, 2014
bambiboots answered:
Neighbor can do it without consent, but you can take it down without consent as well, especially if it blocks your view. It is "encroaching", if you will, on your right of enjoyment. For others that tried to answer question with question. A block wall is a wall built with cement blocks basically. Party wall means the wall that separates neighboring properties. ... more
0 votes 4 answers Share Flag
Tue Sep 16, 2014
Judi Monday, CRS answered:
Your agent will need to add photos to your listing as they are the ones authorized to edit the listing.
0 votes 2 answers Share Flag
Thu Sep 4, 2014
Pat and Mike Andrews answered:
I would love to help you in your search and provide you with more details on this home. Please reach out to me directly.

Patricia Andrews
(520) 305-6632
pat.copperview@gmail.com
0 votes 2 answers Share Flag
Wed Jan 16, 2013
Michelle Metcalf answered:
Hi -like the others mentioned, CC&R's is your main resource to find out what is allow or not; pertaining to pets, landscaping, outside color, parking, etc. In most cases the CC &Rs are very lengthy so alot of times a simple phone call to the correct HOA board member or management company will be able to help you a lot faster. If you need any of their contact information I can help you get it. ... more
0 votes 6 answers Share Flag
Thu Nov 4, 2010
Laurie Lundeen answered:
Have you found your answer? The market here is stable and it has given a great environment for buyers and sellers. To win out over other buyers submitting offers its a combination of allot of things. The source and completeness of the loan approval, the offer structure (cash/loan ratio), offer to asking and so much more. Many that have answered here have great contributions. As the Top agent in Green Valley I help buyers and sellers get the deal they were looking for and I find the "deal maker" being different to each transaction about 80% of the time. Good Luck ... more
0 votes 12 answers Share Flag
Wed May 26, 2010
Scott Chancellor answered:
Hi Sofia,

If the still have not showed up. Give me a call and I will help you.

Scott
0 votes 6 answers Share Flag
Sun May 23, 2010
Dan Chase answered:
Since this was asked in 2007 I think the answer is painfully obvious. George SHOULD HAVE WAITED!!!

The price drops since then would pay for waiting. Even now more price drops are likely. ... more
0 votes 13 answers Share Flag
Tue Feb 2, 2010
Jeffrey Masich answered:
Dear Hopeless:

There is hope. Let me give you some information about Short Sales in Arizona and if you wish I will provide the name of an agent in our office handling Green Valley that is also a top short sale negotiator and very experience in negotiating with the banks to get a rull release fo the deficiency caused by a short payment on your loan. First of all the facts.

Lenders will try to convince a borrower to sign a note for the shorted amount in Arizona and are often successful. Many borrowers feel an obligation or guilt in paying at least a portion of the shorted amount on loan after a short sale. However, they should be aware that Arizona law protects them.

Regarding the deficiency on your mortgage that will be created with the short sale of theirhome, many homeowners/borrowers are not aware that Arizona is a "Non-Deficiency" State for short paid mortgages. This means that, unless there are specific issues in the loan agreement, which only an attorney can advise you on, the lender is prohibited by Arizona Statue 33-729 from pursuing a judgment against the borrower if the home has sold for a deficiency, an amount less than the mortgage balance due to a diminished value of the home (or secured property).

Specifically, Lenders are prohibited by Arizona Statute (33-729) from obtaining deficiency judgments in foreclosures where the land size is 2.5 acres or less and where the property was used as either a single one-family or single two-family dwelling. The actual language from the Arizona Statue follows:

Arizona Statute 33-729. Purchase money mortgage; limitation on liability

A. Except as provided in subsection B, if a mortgage is given to secure the payment of the balance of the purchase price, or to secure a loan to pay all or part of the purchase price, of a parcel of real property of two and one-half acres or less which is limited to and utilized for either a single one-family or single two-family dwelling, the lien of judgment in an action to foreclose such mortgage shall not extend to any other property of the judgment debtor, nor may general execution be issued against the judgment debtor to enforce such judgment, and if the proceeds of the mortgaged real property sold under special execution are insufficient to satisfy the judgment, the judgment may not otherwise be satisfied out of other property of the judgment debtor, notwithstanding any agreement to the contrary.

B. The balance due on a mortgage foreclosure judgment after sale of the mortgaged property shall
constitute a lien against other property of the judgment debtor, general execution may be issued thereon, and the judgment may be otherwise satisfied out of other property of the judgment debtor, if the court determines, after sale upon special execution and upon written application and such notice to the judgment debtor as the court may require, that the sale price was less than the amount of the judgment because of diminution in the value of such real property while such property was in the ownership, possession, or control of the judgment debtor because of voluntary waste committed or permitted by the judgment debtor, not to exceed the amount of diminution in value as determined by such court.

It is my opinion that a professional short sale negotiator shoud represent you in working out a full release of the deficiency in writing to allow your client to have "peace of mind" that the lender will not pursue payment for the deficiency. The lender is prohibited by law from doing so. However, if the borrower signs a separate note to he lender for the deficiency, that new note would govern the deficiency balance owed on the debt. A Realtor often does the negotiating for the borrower (and often are successful), but this is a complex issue. The bank's have professional "Loss Mitigators" that try to maximize the bank's return on a short sale to avoid an even larger loss in a foreclosure. Your client has the law behind to ask for a full release of the deficiency amount.

In my practice, I will bring in a negotiator that will be the advocate for my client in the short sale and will, if the home is sold at current market value, will obtain a deficiency release from the lender. My goal is to get the house sold at market value, the negotiator's job is to get the release for the borrower on the deficiency.

Borrowers need to know that Arizona is a "Non Deficiency" State. Again, an attorney's advice should be obtained if you believe you have special situations outside of the Arizona Statute. Unless, the borrower feels that they have a committed responsibility to pay the deficiency, or are trying to protect their credit rating, or have available funds to pay the deficiency, your Realtor and Short Sale Negotiator have the right to ask the lender for a full release under Arizona Statue 33-729.

See my website for an excellent webinar on short sales. Click: http://www.arizonahomesland.com/forsellersorlandlords.html
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0 votes 6 answers Share Flag
Fri May 8, 2009
Jerry Clifford answered:
In this instance where the agent out and out lied to you I would be of the opinion you have every right to fire her. In the case of procurring cause for the most part she is the first to take you across the threshold, and in fact did create the contractual documents on you behalf.

Now did she take reasonable care of the transaction. It doesn't sound as though that was the case when you had to follow up on your own with the listing agent. It also does not sound as though she acted in a timely fashion, nor abide by all the procurring cause standards as ambiguos as they may be sometimes.

It amazes me when agents take a hard stance as this one did, also the broker. I believe she and her broker would have been much better off trying to overcome this obstacle by searching out a better customer service solution i.e. asking if another agent within the brokers group would be acceptable, at least there could be some commssion sharing and the procurring cause issue would have gone away, or some other solution where both parties in the end could feel not so slammed by one another.

I hope you get the home of your choice and am sorry you have been treated so poorly. Not all real estate professionals are like this one. It sounds as though you are putting alot of right efforts into this. It has been my observation most generally in situations of this nature the buyer agent and broker do not take it to a law suit. Too much time and money.

Good Luck with your new home !
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0 votes 11 answers Share Flag
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