Application packets are available on this home, the rental criteria is included. This home is offered for Rent by A Better Realty Property Management.Net Do not miss out on this wonderful rental home; Call today 480-655-0904, A Better Realty.Net has another rental in Scottsdale if this one does not work for you. We also have agents that can help you find just what you want email us or use our FREE search.
For more information go to A Better Realty.Net Homes for Rent
Lisa
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This Morning I received a call from a dear friend of mine, she was looking for a way to stop the foreclosure process on her home, she had received information that for x dollars, x company could do this. I let her know NOT to do that. Please read the information below and share it! Nothing is worse than being in a hard situation and having someone prey on you, this is as predator as it gets.We have an appointment tomorrow so I can help her.
If you are in a positition and you need help, please call me, you do have options.. this call cost you nothing.. help me help you!
Lisa 480-655-0904 or email me at lisa@abetterrealty.net
AG HORNE WARNS HOMEOWNERS: MORTGAGE LAWSUIT SCAM HITS ARIZONA
PHOENIX (Monday, August 22, 2011) -- Attorney General Tom Horne today issued a warning to consumers to be wary of any notices or advertisements that claim to offer homeowners facing foreclosure “complete forgiveness of the loan” or other monetary relief if they join a class-action lawsuit. Such ploys are likely a pretext to collect illegal up-front fees for foreclosure assistance.
In class action litigation, consumers generally do not have to pay to join, and most reputable firms will not charge a fee for attorneys to review your case or to determine if you are eligible to join a lawsuit.
“The mortgage crisis is only made worse by predators who take advantage of consumers who are already facing the loss of their home,” Horne said. “State and federal law ban almost all types of up-front fees for foreclosure assistance. I am committed to prosecuting anyone who engages in this type of consumer fraud, and it is just as important that consumers be vigilant against these types of scams.”
The California Attorney General recently filed a lawsuit against California lawyer Philip Kramer, the Law Offices of Kramer & Kaslow, plus 19 other lawyer and non-lawyer individuals and companies, for deceptively marketing class action or “mass joinder” lawsuits. The defendants in that case are believed to have taken over $7 million in fees from homeowners in 17 states – including Arizona - after sending out hundreds of thousands of flyers advertising the program. The lawsuit alleges that the defendants advertised nationwide settlements against lenders that did not exist and that many servicers were not provided by lawyers or legal staff.
Notices may be mailed to homeowners or posted on their doors. Typically, the business claims that the fee they are charging is for a forensic audit of your loan documents to see if you are eligible to join the class action litigation. However, the Federal Trade Commission’s Mortgage Assistance Relief Services Rule (“MARS Rule”) contains a broad ban on requesting or collecting up-front fees for almost all types of mortgage assistance, including forensic audits related to foreclosure relief. Arizona’s foreclosure consultant statute also prohibits companies from collecting an up-front fee for assisting homeowners in foreclosure.
Foreclosure rescue companies may promise to refund your fee if you are not eligible to join the litigation. However, the Office’s experience with guaranteed refunds indicates that they are very difficult to obtain, or the company may disappear before the refund is paid. If you are facing foreclosure, refuse to pay up-front fees and instead contact the Arizona Foreclosure Prevention Helpline at (877) 448-1211 for free assistance provided by HUD approved housing counseling agencies.
If you feel you’ve been a victim of a class joinder scam or any other type of consumer fraud, please contact the Arizona Attorney General’s Office Consumer Information & Complaints Unit at (602) 542-5763 / (520) 628-6504 / (800) 352-8431. You can also file a consumer complaint online at: http://www.azag.gov/consumer/complaintform.html
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| What’s Ahead For Mortgage Rates This Week : August 22, 2011 Posted: 22 Aug 2011 05:48 AM PDT
Last week’s low mortgage rate drivers are primarily European. Joining the debt concerns that have dogged Europe since March, a fresh wave of doubt has surfaced about the health of some Eurozone banks. The fears sparked a new wave of safe haven buying. Global equities were socked last week and the Dow Jones Industrial Average fell for the 4th straight week. For home buyers in Phoenix , though, the timing may be perfect. As stock markets lose, bond markets gain and when bond markets gain, mortgage rates drop. According to government-group Freddie Mac’s weekly mortgage rate survey, the average 30-year fixed rate mortgage fell to 4.17% last week with 0.7 points. This is the lowest rate-and-points combination in history. The 5-year ARM fell to 3.08 with 0.5 points. As mortgage rates fall, though, be wary of trying to “time the market”. It’s impossible to know when rates have bottomed and mortgage rates tend to spike without notice. That’s what happened in May 2010. And then again in November 2010. And then a third time in April 2011. When rates rise, they could tack on 0.500% or more overnight. This week, there is a lot that can move mortgage rates. With housing data set for Tuesday release, the Eurozone stories still unfolding, and three Treasury auctions planned, it’s best to be ready for locking. If you’re floating a mortgage rate or still shopping, consider locking your rate as soon as possible. Rates trended higher to close out last week and will be riding that momentum forward. Rates are lower than they’ve been in history. Take advantage of it. Thank you Mark for this information.. you can reach Mark@awsomerates.com
Lisa Hanawalt A Better Realty.Net 480-655-0904 |
Happy Friday to everyone.. I know for my buyers this means homes to look at this weekend, and for renters the same. We are featuring one open house in San Tan Valley on Saturday, and another on Sunday in Scottsdale.These will be posted on abetterrealty.net in the homes for rent section.
Today I am off to MREA Mastermind group, this will be fun... All the ideas I will come out with, the best part is this helps me help my Clients! That is what the real estate business is, Realtors helping their clients. We aren't sales people, I sure don't want to be sold something, and I am sure that is how most people feel.
Have a happy Friday, and remember... If I can help you let me know! :-)
Lisa Hanawalt
480-655-0904
San Tan Valley/Queen Creek home for Rent in the Rancho Bella Vista Subdivision. This 3 bedroom 2 baths home is great home with a flowing floor plan, tile in all the right places and carpeting in the bedrooms. Kitchen has black appliances and a breakfast bar, there is an eating area at the front of the home with windows for light and air, and wooden blinds are at the windows. The great room has plenty of room to live-in and a sliding glass door to the covered patio, block fenced back yard, with rock, no grass to mow. Master bedroom is split from the other bedrooms and is to the back of the home. Inside laundry room with washer and dryer, fire door out to the 2 car garage. Near the park, fry,s shopping plaza, banks, and restaurants. The new Banner Ironwood Hospital is open! Poston Butte is a K-12 School and they are having open enrollment, Queen Creek School District.
Call Bill for showing 602-390-3096A Better Realty.net
480-655-0904
Real Estate Tax Talk
By Stephen Fishman
Inman News™
From time to time the IRS releases tips designed to help people with their taxes. Some of these are quite useful.
Last week the agency released "Ten Tax Tips for Individuals Selling Their Home," (IRS Summertime Tax Tip 2011-15).
As a real estate agent or broker, it is not your job to give home sellers tax advice. Indeed, it is advisable not to, since you could end up getting sued if you give wrong advice.
Instead, refer sellers to this list of IRS tips. It's a good starting place for them to begin to understand this often complex area of tax law. You could even print it out and hand it to anyone who asks you about these issues.
Here are the IRS's top 10 tax tips for home sellers:
1. In general, you are eligible to exclude the gain from income if you have owned and used your home as your main home for two years out of the five years prior to the date of its sale.
2. If you have a gain from the sale of your main home, you may be able to exclude up to $250,000 of the gain from your income ($500,000 on a joint return in most cases).
3. You are not eligible for the exclusion if you excluded the gain from the sale of another home during the two-year period prior to the sale of your home.
4. If you can exclude all of the gain, you do not need to report the sale on your tax return.
5. If you have a gain that cannot be excluded, it is taxable. You must report it on Form 1040, Schedule D, Capital Gains and Losses.
6. You cannot deduct a loss from the sale of your main home.
7. Worksheets are included in Publication 523, Selling Your Home, to help you figure the adjusted basis of the home you sold, the gain (or loss) on the sale, and the gain that you can exclude.
8. If you have more than one home, you can exclude a gain only from the sale of your main home. You must pay tax on the gain from selling any other home. If you have two homes and live in both of them, your main home is ordinarily the one you live in most of the time.
9. If you received the first-time homebuyer credit and within 36 months of the date of purchase, the property is no longer used as your principal residence, you are required to repay the credit. Repayment of the full credit is due with the income tax return for the year the home ceased to be your principal residence, using Form 5405, First-Time Homebuyer Credit and Repayment of the Credit. The full amount of the credit is reflected as additional tax on that year's tax return.
10. When you move, be sure to update your address with the IRS and the U.S. Postal Service to ensure you receive refunds or correspondence from the IRS. Use Form 8822, Change of Address, to notify the IRS of your address change.
These tips can be found on the IRS website at http://www.irs.gov/newsroom/content/0,,id=104608,00.html.
Stephen Fishman is a tax expert, attorney and author who has published 18 books, including "Working for Yourself: Law & Taxes for Contractors, Freelancers and Consultants," "Deduct It," "Working as an Independent Contractor," and "Working with Independent Contractors." He welcomes your questions for this weekly column.
This came to me via Lowe's
Lisa Hanawalt
A Better Realty.net
480-655-0904
Does anyone have a number for a supervisor in Chase's Short Sale Department.
I have been trying for 2 weeks to send an updated HUD, their request.. of course I have to fax it, all I have gotten for 2 weeks is a Busy sigal. OH yes, I have tried all different times of day, even on the weekends, I just tried still fast busy. I have call the Negotiator and left messages.
Any help I can get would be great!
Thank you,
Lisa
A Better Realty.Net
480-655-0904
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| Foreclosures Sink To 4-Year Low Posted: 12 Aug 2011 05:47 AM PDT
According to RealtyTrac, a national foreclosure-tracking firm, the number of foreclosure filings nationwide fell 35 percent as compared to July 2010, a statistic suggesting that the housing market continues to improve. “Foreclosure filing” is a catch-all term encompassing default notices, scheduled auctions, and bank repossessions. Filings fell to a 44-month low in July 2011. For all the improvement, though, activity remains concentrated in just a few states. More than half of all bank repossessions last month occurred in just a handful of states. In July, 6 states accounted for 52% of activity. 1. California : 19% of all repossessions 2. Georgia : 8% of all repossessions 3. Florida : 7% of all repossessions 4. Texas : 6% of all repossessions 5. Michigan : 6% of all repossessions 6. Arizona : 6% of all repossessions At the other end of the spectrum is Vermont. With just 11 repossessions for all of July, Vermont accounted for 0.016% of repossessions nationwide. Distressed homes are in high demand with today’s home buyers. According to the National Association of REALTORS®, they account for 30% of all home resales. That’s no surprise, either. Distressed homes typically sell at 20 percent discounts as compared to non-distressed ones. But, if buying a foreclosure is in your agenda, be sure to do your homework. Buying bank-owned homes is different from buying from “people”. The contracts are different, the negotiations are different, and the homes are sometimes sold with defects. If you plan to purchase a foreclosure in Scottsdale, Gilbert, Chandler,Mesa, or Apache Junction including Gold Canyon , therefore, be sure to speak with a licensed real estate agent first. There’s plenty of available information online but when it’s time to buy, have an experienced agent on your side. Make sure you have a HUD agent if you are looking at HUD homes, have an experienced HUD agent on your side. Thank you, Mark for sharing this with us. That is mark@awesomerates.com Lisa Hanawalt A Better Realty.Net 480-655-0904 |
| Strong Job Growth In July Trumped By Credit Downgrade Posted: 11 Aug 2011 05:48 AM PDT
The latest Non-Farm Payrolls survey from the Bureau of Labor Statistics shows that 117,000 net new jobs were created in July, thumping analyst estimates and surprising Wall Street investors. In addition, May and June’s originally-reported figures were both revised higher: § May 2011 was revised higher by 28,000 jobs § June 2011 was revised higher by 28,000 jobs The national Unemployment Rate slipped to 9.1 percent. The jobs report’s strong readings would typically be a boon to stock market and a threat to mortgage rates. This is because more employed Americans means more disposable income spent on products and services; and more taxes paid to governments at the federal, state and local level. This combination fuels consumer spending and supports new job growth, a self-reinforcing cycle that spurs economic growth and often to draw investors into equities. This month, however, the market reaction has been decidedly different. Since the Friday release of the July Non-Farm Payrolls report, the Dow Jones Industrial Average has lost close to 6 percent of its value. Furthermore, mortgage bonds — which typically sink on a strong jobs figure — have thrived. High demand for mortgage-backed bonds have pushed mortgage rates below their all-time lows set last November; the biggest cause of which is Standard & Poor’s credit downgrade of U.S. government-issued debt. Ironically, the credit rating downgrade sparked a surge of safe haven bidding that has been tremendous to rate shoppers and home buyers in Mesa and nationwide. Bond buyers are flocking to the U.S. If you’ve been shopping for a mortgage, therefore, or recently bought a home, use this week’s action to your advantage. Call your lender and ask about rates. You may be surprised at what you find.
Thank you Mark@awsomerates.com for this information. Call If you need help with any of your real estate needs Lisa 480-655-0904 A Better Realty. Net |
What do you do with a computer repair company that will not work on your machine? The tech says " there is a bad sector on the disk so we aren't allowed to work on your machine".... so why do I pay you a monthly fee? Has anyone else had this problem and how did you fix it, besides firing them?
Or that may be the only thing left, I just don't know. So, I am back to doing my own IT as if I need to do that. :-) Help Susan!
Lisa Hanawalt
A Better Realty.Net, with a sick computer :-(
480-655-0904
This is a wonderful home 3 bedroom 2 bath home Home for Rent! Move in ready today, I will have applications there, all your questions answered.
See you there! If you need directions just call.
If this home doesn't meet your needs, we do have another home for rent in Scottsdale on Phelps. 2 bedroom 2 bath we can show that to you also.
Lisa Hanawalt
A Better Realty.Net
480-655-0904
Mortgage markets improved again last week, pushing mortgage rates in AZ to an all-time low; lower than the lows set last November, even.
Foreclosure activity continues to slow.
More Americans are getting back to work.
