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Home Buying in Surprise : Real Estate Advice

  • All184
  • Local Info12
  • Home Buying73
  • Home Selling5
  • Market Conditions6

Activity 59
Thu Mar 7, 2013
Donald Keys answered:
Ray, you maybe reading the HOA fees incorrectly.
I am showing that the fees are paid QUARTERLY, but some REALTORS have listed them as monthly.

Here is the property management company info, you could call and ask (listed on a current home for sale):
Ashton ranch HOA 623-877-1396

Here is a list of all homes for sale in Surprise currently:

http://www.thekeysteam.com/Surprise.html

I hope this helps.
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Tue Mar 1, 2011
Stew Keene answered:
Thu Jun 21, 2012
Doug McVinua answered:
Bob

Mortgages are for the most part a national product and very few assumable mortgages have been written recently. Most of the lenders stopped the practice of assumptions years ago.

We still see a few and I would be glad to look for you if you would share what your wants and needs are.

Doug
HomeSmart

Arizona Homes for Sale by a Guy from Iowa
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Fri Jan 14, 2011
Ron Hall answered:
Yes, FHA , VA are subject to lender review. FNMA, and FHLMC still have assumable loans on the books so its worth checking out. FHA simple assumption may still exist but that's going extremely rare and if memory serves they stopped issuing those type of loans in 84 or 85.

Hope that helps.
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Wed May 18, 2016
Jeffrey Masich answered:
Dear Theresa:

Arizona's water in Maricopa County comes from a combination of the Salt River, Gila River resevoir systems and the Colorado River. There are about 12 dams around the rivers which comes from water runoff in the northeeastern mountains. Waterr bills for a residential communit y run from $50 to $100 per month dependig on usage. There have been no water restriction uses during the past 25 years in areas served by this system. There is still a lot of water in the system used by farmers. Over the years many of these farms and ranches have been sold to support newer residential communities.

The old investment adage is buy low and sell high. They are low now and mortgage interest rates are near 40 year lows. How much longer will both remain at this low point.? No one knows for sure.

Jeff Maisch, Realtor
Arizona Homes and Land
http://ArizonaHomesLand.com
HomeSmart Realty
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Thu May 5, 2011
Roland Rogge answered:
Are you working with an Agent? That would be the person to talk to. If not call an agent that YOU TRUST. Most of us can help you with your concerns and questions. Develope a good working relatinship with yur agent and let that agent protect your interest. The developers agents work for the developer. ... more
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Thu Oct 21, 2010
Barbara Nichols answered:
Elaine. I have been here for over 10 years, and the prices have never been lower. Also, once prices start to go back up, do not expect them to go up more than a percent or so. I would didcuss this with your accoountant to decide which would be a better fit for you and your finances. There are quite a few over 55 communities in the greater Phoenix area, but most of them seem to be in the NW Valley area. We have averything from the original Sun City, Sun City West, Sun City Grand, Sun City Festival, Sun City Anthem, Pebble Creek, Trilogy, Westbrook and Ventana Lakes. There are also a few RV/modular home parks. You can contact me or the Ken Meade Realty Rental office to discuss rentals. If you wish to look at properties in the area before you get here, just let me know. You can contact me at Barbara@BarbaraNichols.com. ... more
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Sun Oct 10, 2010
Donald Keys answered:
Fit65, Royal Ranch is a great Fulton neighborhood.

All you need to do is talk to a mortgage professional about your situation. A good mortgage professional will be willing to work with you in order to fix anything that you need in order to obtain financing.

Mortgage professionals work during normal banking market hours 9 to 5 Monday through Friday. I would try calling Mark Taylor's office on Monday 602-361-0707.

Another option is to keep saving cash and pay for a home in 100% cash in a few years. Then you would have no mortgage :)

I hope this helps.
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Wed Sep 1, 2010
Randy Hooker answered:
If we only knew the address, Pac, we would be able to answer your question. ;-)
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Mon May 24, 2010
Anna M Brocco answered:
Depends--is the property priced on target for today's market or slightly below--if so multiple offers may arise--what is your agent advising and have you reviewed recently sold similar properties in the immediate area--if so what does the data suggest as to a fair price. Keep in mind that the seller can accept whatever offer he/she wishes, but the lender decides to accept, reject or at times counter offer, and they are looking to get as much money back as possible. ... more
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Thu Sep 2, 2010
Kristi Roberts answered:
Have you considered looking into FHA financing? FHA loans have few qualifiers then conventional mortgages and ususally only require 3% downpayment.
Another option you can look into are properties that have offer a Seller Carryback. This is where the property owner acts as the mortgage company.
Good luck and let me know if I can answer any of your other questions
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Tue Feb 1, 2011
Anna M Brocco answered:
When doing an inspection your inspector/engineer can advise or ask if any insurance claims have been due to water damage on the property.
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Mon Jun 23, 2014
The Canto Team answered:
Another idea is to compare what buying vs. renting means for your family, financially. For example, does owning a home take up a large chunk of your disposable income, meaning eating out less, no more going to the movies, etc.. Or does owning a home give you benefits, such as better schools in the area you purchase, more room for the family, backyard, etc..

You probably will need to speak to a financial planner (if you have one), or talk to a Loan Officer to go over the figures with you.

Let me know if I can be of assistance.

Ted Canto
Sr. Mortgage Planner
Direct: 480.650.8602
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Mon Jan 25, 2010
The Canto Team answered:
Hi Kim,

First you do not need to be married to have him co-sign with you on the loan. However, he does have to apply with you on the loan in order to use his income. If his credit is in good shape, there shouldn't beany problem. There are a lot of questions to be answered. I suggest that you speak with a Loan Officer.

If you would like a consultation, please contact me directly at 480.650.8602.

Good Luck!
Ted Canto
Sr. Mortgage Planner
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Mon Dec 28, 2009
Debra (Debbie) Rose answered:
Lee - are you looking to buy a short sale, or sell your home as a short sale?

A short sale occurs when a homeowner owes more on the home than it is worth. The owner is asking the bank to accept less than the amount owed (sell it short of the amount owed), and allow them to then walk away. Their credit will be affected, but not as much as if the home is foreclosed on.
In order to "qualify" for a short sale, the seller would need to meet the lender's requirements and show a hardship of some kind, such as the loss of a job. Each ,ender may have different stipulations.

If you're looking to buy a short sale, they are often listed as any other properties are, but expect it to take a longer time to finalize than a "normal" sale..

This is a condensed answer............as I am not sure whether you're looking to buy or sell.

Good luck!
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Mon Dec 28, 2009
answered:
What I can tell you is this.. Not all lenders are alike.. You may need a lender that will qualify you for a bit more. If you want a second opinion I be happy to discuss with you.
0 votes 8 answers Share Flag
Tue Dec 15, 2009
Donald Keys answered:
In GENERAL, H.O.A. fees cover common area maintenance landscapers, water, electricity etc...
One of the functions of an H.O.A. is to keep the appearance of a neighborhood in uniform and help protect property values. There are usually several committees (i.e. an architectural committee that approves landscaping in the front yard or the painting of a home) that oversee various aspects of the community. If a community pool or park is present, then the H.O.A. fees would help keep that common area maintained.

I can not verify the information, but here is the Property Management Company that oversees the H.O.A. for Ashton Ranch:
HOA Name: Lone Star Prop Mngmt
HOA Telephone: 623-873-4300
You can call them with more specific questions.

Here is a list of current homes for sale in Ashton Ranch:

http://www.flexmls.com/link.html?oy52d85k2um,12,1

I hope this helps.
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Tue Aug 10, 2010
Stew Keene answered:
Hi Traci,

I just helped a teacher who teaches in Surprise purchase a home near her school. There are a lot of great opportunities in that area for sure.

I could pull from some of my teacher resources to try and bring more info to light about specific classes for you. the thing to remember thought about schools is that Arizona/s budget is tightening up and cuts are coming which may mean less curriculum offered as teachers are laid off. So there is no guaranty that next year you will have the same classes available that you find today.

Here is a link to the Arizona Buyers Advisory for your review to help you find information about Arizona including school info and so on: http://www.aaronline.com/documents/buy_advis.pdf

Here is also the link to the City of Surprise info: http://www.surpriseaz.com

Let me know if there is anything else I can assist you with.

Sincerely,

Stew Keene - Home Smart Realty - Phoenix and Scottsdale
stewkeene@gmail.com 480-220-7491
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Tue Aug 10, 2010
Tonje Kearney answered:
Each house would need to be evaluated. It so much depends on neighborhood and features it is impossible to give you an answer.
0 votes 4 answers Share Flag
Sat Oct 3, 2009
Temporarily Off-line answered:
Not quite sure if this is what you mean, but in our standard Realtor purchase contract we have a financing contingency that allows the buyer to cancel if they can't get approved for a loan. If not what you meant, then maybe you could give some more background about your question. ... more
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