668 W Raymond

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668 W Raymond

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Dean's class at Great American Title

Again Dean's class was great... so much information, I will need to go to open hours to get some of this started... see all of you there!

Good Monday Morning!

Good Monday Morning! Hope your weekend was a success,waiting to hear about dean's weekend, did his brain go into overload?

Help! need an offer

I am getting an open house set up, golf course property, bank approval. yes, the buyer walked! we need an offer today.

Open House

Tempe home for sale, open house1-4 today stop by and see me.. Just reduced to $120,000.00 2124 E Greenway Dr, Tempe

533 North New Haven Mesa Arizona

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533 North New Haven Mesa Arizona

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Short sale or Foreclosure Part III

Part III – Foreclosure
I know, I said the F word, but let’s talk about it. A deed in lieu, mailing your keys back, foreclosure, it’s all the same thing to your credit. It’s the financial equivalent of a bomb. Your credit can be rebuilt, but it will take years before you can get another FHA or VA. If you do decide to do this, talk with the bank first and find out their policies.
Also, leave the home in good condition. When you were purchasing the home, there was a purchase contract and everything in it needs to stay in the home www.abetterrealty.net ( scroll to the bottom go to short sale), including but not limited to the Stove, dishwasher, toilets, cabinets, door knobs, and floor coverings. I know you’re unhappy about this turn of events, but taking these things just makes it worse for you.
Have you tried to modify your loan, and had someone call for you to see if there is any one last thing you could try? This is your investment, and you should do anything you can to protect it.

If you have any questions please feel free to call Lisa at A Better Realty .Net 602-390-4329

short sale or foreclosure

Part II – Options: Short Sale?
Knowing the home’s worth, now, you can decide what to do. Can you still pay for the home? Are you behind in the payments? Have you talked to the bank?
Thinking about selling? Short sales will affect your credit, but not as bad as foreclosure. If you’re going to pursue this method, be certain that the agent you have chosen can do a short sale and close it. Are they charging an upfront fee? Whether that be for their time or a packet or what have you, if they’re asking for 1,500 – 3,000, grab the running shoes and get out of there. No one can guarantee the bank will go thru with the short sale, no matter what they say.
The bank pays commission for the sale, so a realtor has no reason to charge a fee upfront. The short sale does require a lot of paperwork, and you must supply all of this. If you cannot or will not supply all the paperwork, then a short sale is not the method you want to use. www.abetterrealty.net (scroll to the bottom and short sale check list)

short sale or foreclosure

Part I – Find out the worth of your home.
So, you bought the house in hopes you could sell it for a profit, but as the market’s value plummets, what do you do with it? Foreclosure, short sale, rent it? Before you make any decisions, you need to decide the value of your home, and not with the use of some website that tells you what you want to hear. You need a professional in the real estate business, and this isn’t a pitch. We at A Better Realty .Net provide this service absolutely free of charge. If someone does want to charge you for a CMA, or Comparative Market Analysis, you should leave immediately; this is a huge red flag.

Investment Home or was it?

That investment home had seemed like such a brilliant plan. The market was hot, prices were soaring, but as we all know, the market has gone from a blazing inferno to the freezer section. What now? Sell it, rent it out, try to hold it? Do you owe more then what it’s worth? We’re going to provide several options for you to consider, but before take any action you should always speak with your tax person, or an attorney. We are simply providing ideas, and in no way should you consider this legal or tax advice.

Need more information call Lisa 480-655-0904
or email me Lisa@abetterrealty.net

533 North New Haven Mesa Arizona

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533 North New Haven Mesa Arizona

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Home Renting Made Simple: Part VII - Moving Out

All your bags are packed, you’ve got Princess Froo Froo and you’re ready to leave that odd spot on the ceiling behind you as you go onwards forth, into the world! Or are you? Did you give written notice of your move? If so, did you give your notice to your landlord with thirty full days before your next rent payment is due? For example, if your rent is due on the 1^st, you would need to give your notice on the 31^st, or 30^th depending on the month in question.

Now, get that move in sheet you were so diligent with when you filled it out, and the lovely pictures of all the funky spots and bruises of the home. These, my friend, do not go in any boxes. Have them in-hand when you do the final walk-through when you turn the property back to the landlord.

And those utilities also must be on for the walk-through. Otherwise, who is to know if the heater works, if the toilets flush, etcetera. Do not do this walk –through until you’re absolutely certain you’re ready. There’s no do-over’s or second chances after this point.

Finally, the crowning jewel of your journey, the security deposit comes. This shouldn’t be much of a surprise, you know how well you treated the home, so you should know to expect all of it, or a fraction of it. Finally, for your viewing pleasure, a move out checklist: click here.

Hopefully this cleared up any questions about the rental process you might have had, if not, feel free to call our offices and allow us to clear things up for you.

Home Renting Made Simple: Part VI - Moving In

It’s that time. You’re on the precipice of your new home. Boxes packed, all of the craze of the move filling your days, and it’s finally the day to move all of your things in and settle into your new home. But, before you put that box down, there’s one more task at hand.

Grab your magnifying glass, because it’s time to play detective. Get your move in sheet out, here for your viewing pleasure, and your camera and take a picture of every flaw you see. Every hole in the wall, spot in the carpet, strange but harmless mark on the ceiling. You might feel like you’re nitpicking, but if you don’t, it could come back to bite you later.

A year from now when you move out, and your land lord comes in and asks about that mark on the ceiling, what are you going to say? ‘It was there when I moved in’? Not so believable to a landlord who has probably heard that many times before, and you’re the one footing the bill for the damages you didn’t do.

So, safest bet is to be a little irritating now, and save that security deposit. Take a picture of everything and write everything down, then make a copy of both the pictures and the checklist. Give one to your landlord, and keep one for your own records. Here at A Better Realty .Net, our policy is if you don’t turn one in, then we use the one already on file. We are meticulous in our own notations, but your money is on the line, so wouldn’t you like to have a hand in protecting it?

Also, the utilities absolutely must be turned on. Even if it’s just one gas furnace, the gas must be turned on, even in the summertime. If you do not decide to do this, it is a breach of the lease agreement and you could be evicted.

The best rule is to treat the home with more care then you would your own. Leave the home in better shape than when you rented it, and that security deposit will go right back into your wallet, and the home will be ripe and ready for the next tenant that decides to move in without weeks of repair and clean up.

Home Renting Made Simple: Part V - Home Owner's Association

Let’s be honest here. Do you religiously pull in the garbage can by 5:00 PM the very next day without fail? Do you fawn over your lawn as if it were your child, ne’er a weed allowed in? And of course, always be sure that you’ve not parked your car on the street overnight?

If the answer was no, then you probably want to avoid a home with a Home Owner’s Association attached to it. Some of their rules can seem meticulous and silly, but reguardless of your feelings on them, they are rules and there can be fines involved.

If the home you’re looking at has an HOA, ask if you can be given a copy of the rules, and how fees will be handled. Our own policy is to make the renter hire a yard person if three warning letters or fines about the front yard have been received, and the payment for the yard person comes out of the renter’s pocket. This is in the lease.

If you’re moving into an HOA, make sure you get a handle on all of the rules and understand them, then do your best to be a good neighbor and abide by these rules, as you’ve agreed to them.

Home Renting Made Simple: Part IV - Pet Policies

Now that you have the application filled up to the brim with lovely handwriting all about little old you, you are no doubt excited and eager to ‘get your move on’, as it were. There is someone else, though, who’s not quite excited. That’s right. Four legged, doe eyed, and whining is Princess Froo Froo, and she knows you forgot about her.

Pets are more than just companions on a rental application, so be certain you check policies with the person you’ve been working with thus far. Find out what the fees are, be they per pet or one lump sum. Is your pet deposit refundable? And what about Princess Froo Froo’s big sister Bertha, the Great Dane. Is there a breed restriction? You also need to find out what the Home Owner’s Association’s rules on pets are. Is your pet an inside pet, or outside? Has it bitten anyone, and do you have insurance on it?

Most landlords will have rules concerning how your deposit can be used, how the pet must be cleaned up after, the general upkeep of the animal and more, so be absolutely certain to get this information when you get your rental application. Princess Froo Froo and Bertha will be glad you did.

Home Renting Made Simple: Part III - Credit reports and background checks

So, you put your application together, you've dotted your 'I's and crossed your 'T's. Yet, still as you read over this packet and check your work you wonder, 'what if they don't like my shoes, and deny me?'

Rest assured, a landlord or property management company will not be denying or accepting renter applications simply on the basis of fashion sense (though I'm sure yours is impeccable), instead, they tend to look at a few other specific things.

Some keep an eye out for good credit with no judgments, and everything up to date. Others rely more on you having an alright credit score with no judgments, all topped with a steady job and good references. When you fill out your application, keep in mind that Suzy from work might still be holding a grudge over that stapler you borrowed, as the fees you pay for your rental application are non-refundable.

So, maybe your credit isn't quite as pretty as you would like it to be, maybe it's time to look into credit repair. If your credit doesn't fit their policies, they can turn you down. Some will work with you, but in some such cases you must bring in three times the amount your rent is.

Still, be honest on your application, because the truth will come out. It is better to be told no and be out an application fee, then to be evicted and thrown out on your back end for fibbing here and there on your rental application.

Home Renting Made Simple: Part II - Rental Applications

So, you've found the place; whether it was the little flowers that stole your heart, the warm atmosphere, or maybe the neighbors, you've found it. Fantastic, but what now?

Now is the time to put the agents involved through their paces. That home you're eyeing has an application for it hidden someplace, your job is to find it. Be that by calling the agent, or finding it on the internet, that is your ticket to your home.

Once you get the documents in question, be as meticulous as you possibly can. Every line needs to be filled out as truthfully as you possibly can in your nicest handwriting. Attaching all the necessary documents that it asks for will speed up the process, and not have your phone ringing off the hook with people asking where this or that is.

'This or that' generally consists of a verifiable income source, your rental history, verified by any past landlords, and a background check, as some landlords have a no felony policy. When you answer the questions on the application, be as completely upfront and honest as you possibly can be. If something seems like it needs to be explained, go ahead and do so. Being open from the start earns much more trust. Besides creating a good relationship with your landlord, lies and lies by omission are grounds for eviction from that lovely home you've been eyeing.

The last, but still important step in your quest to qualify is your application fee. Find out when you receive your application how much it is, and what accepted payment forms are, and have it bright and shining with your application when you turn it in. If you're hoping this person will be your future landlord, do you really want the first impression they have of you to be 'well I'll have it soon'? I didn't think so!

Home Renting Made Simple: Part I - How do I find a home to rent?

There are a lot of questions floating around about just how exactly a person goes about getting a home to rent. From finding the home, to rental applications and everything associated with them, the task can seem daunting, so we’ve decided to post this series about how to go about getting this your home rental done the best way possible.

The first step is finding the home. While there are printed ads, such as in newspapers, flyers, magazines, and other such media, they tend to be dated and often times have already been rented by the time you see them. This method can work, but tends to induce more headaches then progress.

A better method would be to research yourself on the internet. There are hundreds of free online searches, and while it is useful, it’s also daunting. I recommend calling a real estate agent. Make sure they work with rentals, some firms even specialize in them.

A Better Realty .Net sets up a personalized search based entirely on your preferences and needs. Our website also has a search, and if you find a home you’d like to see our agents would be more than happy to show it to you.

Our agents are knowledgeable on the market today, and understand what the other companies want to see. We can explain the process in terms that aren’t so confusing or intimidating as they can sometimes be. We do affordable property management ourselves, so we have a wealth of knowledge on this topic!

2 Bedroom Home For Rent In Phoenix Hubbell ,

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2 Bedroom Home For Rent In Phoenix Hubbell ,

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7303 South 172nd Street

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7303 South 172nd Street

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1059 S Western Skies

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1059 S Western Skies

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What is my house worth?

I am asked this question a lot, what is my home worth?



I have people that have searched on the Internet to find out what their home is worth. This is my opinion about what homes are worth. Have a qualified person give you an idea of the worth of the home. Ask a real estate agent to do a C-M-A ( comparative market analysis), or pay for an appraisal. This will give you what your home is really worth.



Now what did you pay for the home or improvements on the home, that is a different question. If you are upside down in your home, you owe more than you can sell your home for. Don't sell, if you have an option and you can wait, you can make your payments. Stay put...



If that isn't an option, then you might want to see if you can qualify for a loan modification, if that doesn't work then a short sale might be the way to go. Again, look at your options, what can you afford to do. Call and ask a real estate professional about some different options.



The one thing you don't want to do is nothing... do something.. ask questions.... call someone....



Foreclosure will hurt your credit, keep you from purchasing a home maybe for 7 years.. Try everything before foreclosure.

Please if you are in this position, and would like to call me. Don't hesitate to do so!

Here is my contact information
480-655-0904
Lisa@abetterrealty.net


Lisa

Letters you receive from the bank- What do you do with them?

Let’s talk about these letters, they want you to pay your past due payments. They give you a number to call. That number is the collection department…. Yes…. The collection department.
So now what do you do? Well, you need to call them or have someone call for you. I call for several of my clients. I have one client that is just as happy as can be to bring me all the letters they send him. I take care of it. We are working with the lender on a short sale of this home. The lenders talk to me differently than they do to the owners we can work out opportunities for the owners. (ie; loan modifications, forbearance agreements, and short sales.
If you would like this help, please call me let’s talk about your options!
Email me if you are more comfortable.

Take the stress out of your life,

Lisa

Stop Foreclosure!

This seems to be the current question for home owners. How do I stop the foreclosure or do I want to stop it?
As a real estate professional we can help answer that for you. There are some simple steps to go through to see what you need to do or want to do.

1) open the letters sent by the lending institution
2) Find out what your home is worth
3) Find out if homes are selling in your area
4) Do you qualify for loan modification

I would be glad to help with any of your questions, please feel free to call Lisa with A Better Realty.Net at 480-655-0904