"33th Best Place to Live in US by CNN in 2012"

The nation's "top places to live and learn" by GreatSchools.org. Washington-based C.Q. Press rated Gilbert the "safest municipality in Arizona, and 24th safest in the nation.

Val Vista Lakes - Water Wonderland Paradise

Val Vista Lakes offerings are the result of an artfully master planned community consisting of 900 acres. This luxury development includes twenty-four subdivisions of exquisite properties, some of which have lakefront and several of which are custom gated communities.

Seville - Deluxe Neighborhood for Every Lifestyle

Located in south Gilbert, Seville is a unique and beautiful golf course community. It features an 18 hole Championship Golf Course Designed By Gary Panks that gently winds its way throughout the community.

The Islands - Live by the Lakes

The Islands, located in Gilbert, Arizona, is the largest lake community in the Phoenix Valley. Elegantly constructed around a beautiful, peaceful lake, properties in the Islands are among Gilbert's most sought-after real estate.

Saturday, June 30, 2012

Distressed Home HELP

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Do You Need Help with your Mortgage?
Have your Expenses Increased?
Have your Income Decreased?
Are you Upside Down / Underwater?
Are you in Financial Hardships?
I received Truestee Sale notification, what can I do?
If you's struggling to make your mortgage payment, Get HELP NOW!

First question to ask yourself: Do you want to keep your home?

If YES:
Here are your options:
If NO:
Here are your options:

What is Short Sale?

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What is a Short Sale? 
A Short Sale is the sale of a home when the net proceeds do not fully pay off the existing mortgage loan(s) and the Mortgage Servicer is willing to accept a discounted payoff. The closing costs that are typically paid by the Seller are paid out of the proceeds from the sale, including but not limited to, commissions, escrow and title fees and any negotiated Buyer’s cost. Your home is sold and you avoid foreclosure.

Why would any Mortgage Servicer accept less than what is owed on a mortgage? 
Mortgage Servicers are in business to lend money, not to own real estate. They do not want the expense of the foreclosure process and/or the holding and maintaining of the property if it does not sell at foreclosure. The foreclosure process is very expensive and time consuming, so many lenders will agree to what seems a loss on the mortgage when they will actually save money by not completing the foreclosure and holding the property in their portfolio.

If I do a Short Sale, how much will I have to pay to sell my home? 
In most cases, you will not pay any sales costs if your Mortgage Servicer approves the Short Sale. All commissions, title and escrow fees, and some repair expenses are paid by the Mortgage Servicer, Investor or Mortgage Insurance company, if applicable, as part of the Short Sale approval.

What sort of hardship would my lender consider legitimate? 
To some extent, that will depend upon the Mortgage Servicer considering your Short Sale request. Below you will find a list of common “hardships” that may be accepted by Mortgage Servicers:
  • Family illness or injury
  • Job relocation
  • Job loss or significant income loss
  • Divorce or split of domestic partners
  • Death of a spouse
  • Adjustment in mortgage payment or unforeseen increase in living expenses
  • Too much debt
  • Military service
Do lenders approve all Short Sales? 
No. That is why it is critical to work with someone, who has extensive experience at getting Short Sales approved and has direct contact with Mortgage Servicers.

I have a second mortgage on my property, so can I still do a Short Sale?
Yes. it is possible and common to work with the Mortgage Servicer that holds the second mortgage, (many times the same Mortgage Servicer holds the 1st and the 2nd loans) to put together a Short Sale transaction. It is very important however, that you let your Real Estate agent know if you have a second mortgage, home equity line of credit (HELOC), or any type of lien against your property such as a Home Owners Association lien, tax lien or mechanics lien. ·

My property is in rough shape and needs work; can I still do a Short Sale? 
Absolutely, Mortgage Servicers often take into consideration repair costs, as a factor, when determining whether to approve a Short Sale offer.

I am concerned about my credit, so how will a Short Sale affect my credit?
The goal in a short sale to avoid foreclosure. Consult your attorney to verify how this may affect your credit.

Can I receive cash from a Short Sale? 
No, the Short Sale is only designed to get you out of your mortgage debt rather than going through the entire foreclosure process. It is not a refinance option and you will be vacating the property, as you would, if you were going through foreclosure. However, there are particular government programs, depending on several factors, that you may or may not qualify to participate in that are designed provide limited cash to offset moving expenses and/or rental down payments. These programs would need to be discussed with your lender at the time the short sale was initiated.

What if my home is not worth what I purchased it for? 
This is the typical scenario for a short sale, when you can only sale it for less than it is currently worth. · What if I have filed bankruptcy? You will need to check with your Bankruptcy Attorney to verify if you can proceed with a Short Sale.

How do I know if I qualify for a short sale?
Swee Phoenix Homes Group can help you determine if your lender would consider approving a short sale of your property. Call 480.721.7253 today.

How much will this service cost?
Swee Phoenix Homes Group’s services won’t cost you a penny! The fees are paid by your lenders upon the successful sale of your property. They understand that sellers of short sales are experiencing hardship and as a result, are already having financial difficulties. The services are designed to help homeowners find a solution to the mortgage problem and sell their property ASAP!
If you need immediate assistance, please contact us today.

What is required from the property owner?
  • Sign a listing agreement with a qualified Realtor.
  • Cooperate with access, showing, offers and with the Realtor.
  • Provide all written documentation of hardship as requested by your lenders and your Realtor.
What can I expect? 
Below is a partial list of the services provided by Swee Phoenix Homes Group:
  • Help you avoid foreclosure and eviction 
  • Help minimize credit damage 
  • Counsel you through the process 
  • Act as the liaison between you and the lender to ensure all parties work together towards a successful solution 
  • Provide relief during a difficult time

IMPORTANT NOTICE: Keller Williams Realty Sonoran Living is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.

Short Sale vs Foreclosure

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A "Short Sale" is a sale of real estate in which the sale proceeds fall short of the balance owed on the property's loan. It often occurs when a borrower cannot pay the loan on their property, but the lender decides that selling the property at a moderate lodd is better than pressing the current debtor. Both parties consent to the short sale process, because it allows them to avoid foreclosure, when then involves hefty fees for the bank and poorer credit report outcomes for the borrower.

A foreclosure is the legal process by which an owner's right to the property is terminated, ususally due to default. This typically involves a forced sale of the property at public auction, with the proceeds being applied to the debt.

Forclosures or short sale are indeed going to affect the market value of neighboring homes in one way or another. Whenever a house sells in neighborhood, the amount at which the house is sold is noted and has an effect on general housing prices within the same locality. If your neighboring house is facing short sale or foreclosure, then the house sells for much less than it would have if it hadn't gone into foreclosure. Additionally, if that foreclosed house is similar to yours in size and attributes then this can depreciate the market value of your house.

The same is true when people sell their homes for less than the homes are actually worth because they just want to get rid of the loan. Every real estate transaction in your neighborhood has the potential to bring up or bring down the market value of your home. Every real estate market is different. Your real estate professional's main goal is to get you the best price in any martket.

“Why should a seller go through the short sale process rather than letting their house be foreclosed upon?”

While we cannot speak to every client circumstance, we can say one thing with complete conviction.  In almost all instances in which a potential seller is contemplating whether they should short sell their house or let it go through the foreclosure process, a short sale is the better option. The following are examples to consider:

Example A - Short Sale
Mr. Smith owns a home in which he has a mortgage balance of $220,000 and a current market value of $150,000. Mr. Smith has elected to short sell his property. His Realtor successfully obtains a buyer who puts forth an offer price of $120,000 (80% current market value according to Realty Trac Foreclosure Report 5/26/2011). After reviewing the buyers offer and the financial hardship information from Mr. Smith, Mr Smith’s bank agrees to accept the short payoff of $120,000 which would leave a deficiency balance of $100,000.

The transaction closes and is final.  Mr. Smith then pulls his credit report 30 days after the transaction takes place. On the report he notices that the mortgage trade line states “Mortgage debt was settled for less than full” and the balance on the mortgage is $0.  Mr. Smith is now on the road to financial recovery.

Example B - Foreclosure
For the ease of illustration we will use the same value and mortgage debt amounts as in Example A. However, Mr. Smith has elected to forgo the short sale process and let the bank foreclose on the property.  The bank holding his mortgage facilitates the proper legal procedures to foreclose on the property, all of which are costly.  Mr. Smith is notified and his property foreclosed upon of which is taken back by the bank to sell as an REO.

Six months later, the bank finally sells Mr. Smith’s home only they sell it for $90,000 (60% of current market value according to Realty Trac Foreclosure report dated 5/26/2011). Remember, as a short sale, the home would have sold for $120,000 keeping the deficiency to $100,000. In addition to the deficiency now being $130,000, the bank has elected to add on legal costs of $15,000 and asset preservation costs of another $5000 for a total deficiency liability of $150,000. Mr. Smith pulls his credit report 30 days after being notified that the bank has sold his property and of his liability.

On the report he notices that the mortgage trade line states “Foreclosure” and the balance is $150,000. Because of Mr Smith’s choice to choose foreclosure vs. short sale his road to financial recovery has taken a major detour. He not only has a foreclosure on his credit report but now has a much larger deficiency balance in which the bank, in most cases, will report on his credit report as a balance owed.

The Best Option is Clear
While the financial and credit advantages are clear when choosing a short sale over a foreclosure, other advantages are sometimes overlooked. The most important of all of them is maintaining the seller’s dignity and peace of mind. We have heard too many stories of families having to leave their homes because of a Sheriff’s order or some other type of legal action. The short sale process alleviates this negative social impact. The process puts the control back in the seller’s hands so that they can get back on the road to financial recovery and start providing for their families. In the battle of the two evils, a short sale always wins!!!

Click here for more information regarding Short Sale vs Foreclosure effect on credit score, credit history and future loan ability.

IMPORTANT NOTICE: Keller Williams Realty Sonoran Living is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.

HARP Refinance

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If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply. You may be eligible for HARP if you meet all of the following criteria:
  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae and who got their loan before May 2009 
  • Most homeowners will not have to get an appraisal or have their loan underwritten, making their refinance process smoother and faster
  • Borrowers will now be able to refinance regardless of how far their homes have fallen in value. 
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.
  • The end date to get a HARP refinance has been extended to Dec. 31, 2013
To "look up" your mortgage, check Fannie Mae. If you can't find your mortgage there, check Freddie Mac.

*Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you are eligible for HARP.

FHA Streamline Refinance

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FHA Streamline Refinance
FHA Streamline Refinance FHA has permitted streamline refinances on insured mortgages since the early 1980s. “Streamline refinance” refers only to the amount of documentation and underwriting that the lender must perform, and does not mean that there are no costs involved in the transaction. The basic requirements of a streamline refinance are:
  • The mortgage to be refinanced must already be FHA insured
  • The mortgage to be refinanced should be current (not delinquent)
  • The refinance results in a lowering of the borrower's monthly principal and interest payments, or, under certain circumstances, the conversion of an adjustable rate mortgage (ARM) to a fixed-rate mortgage
  • No cash may be taken out on mortgages refinanced using the streamline refinance process.

What To Know Before Buying A New Home

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Search New Build Homes For Sale in Gilbert

Buying a new house brings up different issues than buying a pre-ownedt home. You have access to more information on the building materials and systems than a subsequent buyer. But unknowns lurk: What will the completed neighborhood look like? Will it include all the features promised in the brochure?

Bottom line: Buyers need to research a different set of questions before making an offer on a new house.

If you're vowing "out with the old and in with the new" as you shop for a home, here are six tips to help you make a smart buy.

It's easier to get custom features
You love the house, except for the wallpaper in the powder room or the carpet in the den.

You might be able to persuade the builder to change a few things before you move in, says Stephen Melman, director of economic services for the National Association of Home Builders.

With an existing home, alterations are often negotiated with the seller, he says. That can be uncomfortable. But with a new home in an unfinished neighborhood, the labor and materials are still on site, so "it's no big deal," he says.

Most builders are flexible and provide a greater range of choices in things such as appliances, flooring and paint -- "the kind of choices that didn't exist 10 years ago and weren't common five years ago," Melman says.

If your changes aren't finished by the time you close, "it's probably a really good idea to escrow some money" so the builder has incentive to do the work, says Ron Phipps, immediate past president of the National Association of Realtors and principal broker with Phipps Realty in Warwick, R.I.

You could have additional options for financing
Builders often work with banks and, as a result, may be able to offer financing options, says Melman.

So, while you still want to get prequalified with a lender of your own choosing before you start shopping for a home, it makes sense to weigh all of your options. And you can always try to use the offer of builder financing to drive a better deal with your own lender.

Builders can't require you to use their banks. And don't automatically assume that builder-arranged financing will be a better deal, Phipps says. Always shop around and compare terms. "And if someone doesn't want you to do that, your antenna should go up," he says.

It's still a buyer's market
Shoppers are used to being in the driver's seat when it comes to the price on a previously owned home. But that same market will also help them get a good deal on a new home, Melman says: "The market speaks."

"There is such price pressure on the builder," Melman says. And that can help buyers negotiate a better price on a new home. "Prices haven't been this low in years," he says.

That said, buyers can often get a pre-owned home with the same square footage and number of bedrooms and bathrooms for less money than a new one, he says.

Phipps says that with a new home, "you're starting fresh, its economic life is longer, you get to personalize it, and you don't have to undo what that other person thought was important." You get the latest in technology and systems, "but there's a cost involved in that," he says.

Where you'll also likely save some money? Those power bills. Those new appliances and systems often equate to lower power bills, too, says Barry Zigas, housing policy director for the Consumer Federation of America.

Read (and understand) your warranty
A warranty often means the builder will come back and fix problems, Melman says. "You're not going to have that in an existing home."

Zigas recommends you find out exactly what that warranty covers, the remedies it offers and how long it's valid.

Warranties vary widely, so read the fine print, says David Jaffe, vice president in the office of the general counsel for the National Association of Home Builders.

Typically, warranties run from as little as one year to as many as five years, he says. It's as important to understand what the warranty doesn't cover as it is to know what the warranty covers, he says.

It's critical to know who backs the warranty, Jaffe says. It might be the builder, or it could be a third-party company, he says.

The contract might include an arbitration clause
Some builders include arbitration clauses in contracts, in which buyers give up their rights to file lawsuits. Instead, buyers have to use a dispute resolution process designated by the builder.

Not all builders use arbitration clauses, Phipps says. Find out if it's in the contract.

While arbitration can be a quicker and less expensive way to solve problems for buyers, much depends on how the arbitration is handled and who picks the arbitrators, Zigas says. Check the track record of the arbitration company if one is specified, he says. Does it have a reputation of being consumer-friendly?

Also, make sure you can seek arbitration in your own city or state, Phipps says.

If you don't favor arbitration, you have several choices, Jaffe says. You can choose another builder, buy a pre-owned home or ask that the arbitration clause be removed from your contract, he says. "For the most part, all the provisions in that contract are going to be negotiable."

Before you sign a contract, it's smart to have your own lawyer review all the documents, Jaffe says.

Amenities to come? Get it in writing
If you're buying in a community built around certain amenities -- such as a pool, golf course or tennis court -- that's part of the value of your purchase, Phipps says. If the amenities are still on the drawing board, do a little due diligence if you're banking on their completion, he says.

"Anything that involves new construction or phased development means you're at risk of the developer running out of money," Zigas says.

Phipps says many municipalities require builders to post bond for yet-to-be-built shared amenities. You can find out if this has been done by asking the local building department, an agent you trust or an attorney.

Zigas recommends Googling the builder and visiting the builder's other, previous developments. And if the neighborhood requires dues, find out who picks up the tab for unsold or undeveloped property in the community, he says.

via bankrate

Friday, June 29, 2012

3 Bedrooms Homes For Sale in Gilbert 85295

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3 Bedrooms Homes For Sale in Gilbert 85295
Front Exterior
3 Bedrooms Homes For Sale in Gilbert 85295
Kitchen
3 Bedrooms Homes For Sale in Gilbert 85295
Living Room
3 Bedrooms Homes For Sale in Gilbert 85295
Backyard
3 Bedrooms HUD Homes For Sale in Gilbert 85295. Just seconds away from fabulous shopping at the San Tan Mall, restaurants, 202 Freeway, and much much more! Darling curb appeal will draw you right in and the charming floor plan will make you want to make this home now! Enjoy tiled flooring throughout living room, kitchen, and hallways. Kitchen is nice and open with island, stone detail, and dark stained cabinetry! Living room is perfect for entertaining! Cozy covered patio out back leads to a low maintenance gravel backyard.

Elementary School District: 060 - Higley Unified District
Elementary School: Chaparral Elementary
Jr. High School: Chaparral
High School: Williams Field High School

Click here for more information and photos for this listing. You also find out more about the community, school report, crime report and much more...

Click here for more Home for Sale in Chaparral Estates
Click here for more Homes for Sale in 85295
* Important Disclosure: This property is available at the time of this ad creation. It is very possible that an offer has been submitted or even accepted since that time. If you are interested in this property, Please call 480-721-6253 to check on its current availability.

5 Easy Ways to Get a Greener Home

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Forget a fleet of solar panels (for now). These ideas can make your home a whole lot greener when money or time is in short supply

When you hear the term "green building," you might first think of solar panels on the roof or compact fluorescent (CFL) bulbs. Then you might start to think of bigger concepts, like walls built with straw bales. But while CFLs definitely have their place in every home, and straw bale walls are great for insulation in some applications, solar power is one of the last things you should think about.

First, you should shrink your home's energy use as much as possible, manage your light and heat gain and loss, make sure you have good air quality and check to ensure that you have well-maintained surfaces inside and out. Then crown your green masterpiece with a photovoltaic array. It's important to prioritize your wants and needs during a green remodel, as with any other project. Here are five places to start.

1. Buy a bath fan. What's the most important thing in a bathroom? It's hard to argue with a toilet and some running water. But after those (and before you add a shower), you need a bath fan. I'm amazed at how many bathrooms I go in that don't have one. A window is not enough, and a small noisy fan that nobody wants to turn on is not going to do you any good.

Buy a good, quiet bath fan, and if it doesn't have an occupancy sensor, wire it with a separate timer switch. A fan should run for at least 10 minutes after you leave the room for odors and 20 to 30 minutes after a shower. Make sure it vents to the outside. Though it's important to have a certain level of moisture in the air in your home, it's not good to have it all in one place. Vent your bathroom and your paint will last longer, you won't run the risk of mold growth and cleaning will be easier.

2. Manage the light. Managing the light that enters your home is a way to save on utility bills and make your home a more cheerful place. Strategically placed awnings and roof overhangs can help you do this. In the summer, when you don't want as much light or heat, the sun is higher in the sky. Because the light hits your house at a steeper angle, the same awning that blocks out light in the summer will allow the low-angled winter light in when you need it most.

The awning pictured here serves another purpose. Because it is set down below the top of the window, it reflects light up onto the ceiling inside, creating a nice ambient glow inside instead of a glare.

Another great way to get light into your home without bringing in a lot of unwanted heat is to install a solar light tube. These capture the low-angled winter light using reflective coatings within a roof-top dome, and are much easier to install than a skylight since they require no structural headers. Also don't feel limited to rooms right below the roof. The reflective tubes can be run down from the second floor to the first floor though closets or thick walls, and they can even make slight turns.

3. Insulate. If you spent a lot of money getting the most efficient windows you could afford, don't let the heat escape all around their sides.

If you've ever used a can of foam, however, you know it can be a tricky, messy process, and some is inevitably wasted when the can dries up. So if you have a lot of foaming to do, invest in a foam gun. The foam doesn't dry out, and you can control the flow rate, which means the application process will be less messy and less wasteful.

Once you seal up your house with foam and caulk, you don't want to trap harmful pollutants inside. Indoor air is generally much worse for you than outdoor air, so don't make it worse by using home improvement products that release volatile organic compounds (VOCs) into the air.

Most of you have probably heard of no-VOC paints. But what about the painter's caulk? I've tried many "green" caulks, and most are not as easy to use as standard painter's caulk. This product from Geocel is solvent free and VOC free, and it works great.

4. Use reclaimed materials. Most metropolitan areas now have several architectural salvage shops. While materials made from recycled materials are great, remember that it's reduce, reuse and then recycle.

Reclaimed materials are a great way to reuse. Go to your local salvage yard and think creatively. Here a wall is dressed up with old boards, some with the original paint on them. Reclaimed doors, light fixtures and tile are all great ways to give a space character. Don't be afraid to use something for a purpose other than what it was intended for; my coffee table at home is made of an old exterior shutter.

I know what you're thinking: "Kenny, you just got done telling me not to let my airtight home be filled with VOCs, and now you're telling me to bring crusty old building products into my house and leave the old lead paint on them for charm?"

Yes, but there's one more step. If you want to safely coexist with surfaces that may be covered in lead paint (and any painted surface from before 1978 should be considered a risk), you can encapsulate the lead by using a product like this one from Nansulate. It has a very low level of sheen, so you won't even know it's there. And you can get that rustic look without endangering your family.

5. Choose quality materials. Finally, think about every aspect of your project with that first "r" — reduce — in mind. We're currently renovating a house in Philadelphia built in the 1700s. The floors are original; the plaster is original; the brick front is original. By using materials that last, such as brick, we reduce the number of times a home needs to be renovated. And that means less waste and less energy used making new materials (and less work for contractors like me). Of course, there will always be work building for a growing population and serving people's changing needs and tastes. I just hate tearing out a cheap floor that lasted only 10 years.

via houzz.com

3 Bedrooms Home For Sale in Seville Gilbert 85298

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3 Bedrooms Home For Sale in Seville Gilbert 85298
Front Exterior
3 Bedrooms Home For Sale in Seville Gilbert 85298
Kitchen
3 Bedrooms Home For Sale in Seville Gilbert 85298
Living Room
3 Bedrooms Home For Sale in Seville Gilbert 85298
Backyard
3 Bedrooms HUD Home For Sale in Seville Gilbert 85298. This GREAT ROOM floor plan with an eat-in kitchen maximizes the use of square footage in this house. Located in Seville Golf Country Club, the Southeast Valleys Only Private Resort Club! Community features golf, tennis, fitness, water park, basketball, restaurant & more! Golf and fitness memberships optional. 

Elementary School District: 080 - Chandler Unified District
Elementary School: Riggs
Jr. High School: Santan Jr. High
High School: Basha High School


* Important Disclosure: This property is available at the time of this ad creation. It is very possible that an offer has been submitted or even accepted since that time. If you are interested in this property, Please call 480-721-6253 to check on its current availability.

Thursday, June 28, 2012

4 Bedrooms with Pool For Sale in Neely Farms Gilbert 85296

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4 Bedrooms with Pool For Sale in Neely Farms Gilbert 85296
Front Exterior
4 Bedrooms with Pool For Sale in Neely Farms Gilbert 85296
Kitchen
4 Bedrooms with Pool For Sale in Neely Farms Gilbert 85296
Oversize Lot with Pool + Slide
4 Bedrooms with Pool For Sale in Neely Farms Gilbert 85296
Hot Tub / Spa
4 Bedrooms with Pool HUD Home For Sale in Neely Farms Gilbert 85296. Beauty /POOL Slide. 2 Story on 12,428 SQFT Lot!! 4 Bedbroom, 2.5bath, 2 Car Garage, Bright Open Island Kitchen with Breakfast Niche & Appliences, Formal Living, Dining & Family Room, High Vaulted Ceilings, Lots of Tile, 3 Panel Doors, Custom Window Blinds, Gas Fireplace, Custom Paint,Oak Banister Stairs, Master with 2 Sinks, Tub/Shower, Gigantic Walk-in Closet,Private Outdoor Balcony/Patio, Grassy Front & Back Yard, This property is a '' 1O'' !!! Near parks, Gilbert Schools, shopping & much much more!! Don't Miss Out!

Elementary School District: 041 - Gilbert Unified District
Elementary School: Settler's Point
Jr. High School: South Valley
High School: Mesquite High School

Click here for more information and photos for this listing. You also find out more about the community, school report, crime report and much more...

Search Homes for Sale in Neely Farms community
Search Homes for Sale in 85296
* Important Disclosure: This property is available at the time of this blog creation. It is very possible that an offer has been submitted or even accepted since that time. If you are interested in this property, Please call 480-721-6253 to check on its current availability.

Home Affordable Foreclosure Alternatives (HAFA) Program

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If you can't afford your mortgage payment and it's time for you to transition to more affordable housing, the Home Affordable Foreclosure Alternatives (HAFA) program is designed for you. HAFA provides two options for transitioning out of your mortgage: a short sale or a Deed-in-Lieu (DIL) of foreclosure. In a short sale, the mortgage company lets you sell your house for an amount that falls "short" of the amount you still owe. In a DIL, the mortgage company lets you give the title back, transferring ownership back to them.

In either case, HAFA offers benefits that make the transition as favorable as possible:
  • Unlike conventional short sales, a HAFA short sale completely releases you from your mortgage debt after selling the property. This means you will no longer be responsible for the amount that falls "short" of the amount you still owe. The deficiency is guaranteed to be waived by the servicer.
  • In a HAFA short sale, your mortgage company works with you to determine an acceptable sale price.
  • HAFA has a less negative effect on your credit score than foreclosure or conventional short sales.
  • When you close, HAFA provides $3,000 in relocation assistance.
You may be eligible for HAFA if you meet all of the following criteria:
  • You live in the home or have lived there within the last 12 months.
  • You have a documented financial hardship.
  • You have not purchased a new house within the last 12 months.
  • Your first mortgage is less than $729,750.
  • You obtained your mortgage on or before January 1, 2009.
  • You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering or tax evasion in connection with a mortgage or real estate transaction.
  • HAFA is available for mortgages that are owned or guaranteed by Fannie Mae and Freddie Mac
*Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you qualify for HAFA.

7 Things to Consider Before You Get a Pool

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Is there anything better than jumping into a crisp, cool pool when it's 90 degrees outside? It's our first official heatwave here in NYC and today is Day 3 of hazy, hot and humid. Just getting on and off the subway is a lesson in restraint. But knowing you are going home to a cool, sparkling pool can make the commute bearable. Unlike the beach or a public pool, your own pool is private, clean, and always available. Sure, having your own pool in your own yard has immense benefits, but it can also be a headache. I've learned a lot of lessons from being a pool owner. Before you dive into this big purchase, here are 7 things to consider:


1. Home Insurance 
Your home insurance will go up slightly. Obviously having a pool is a hazard. You'll also need to have a fence enclosed around your yard with a lock on your gate so children can't get into your yard without your knowledge and fall in the pool. Liability insurance will vary from place to place, so it's best to ask your insurance company before you purchase.

2. Safety 
Above-ground or in-ground? If you have very young children, you might feel more comfortable with an above-ground pool. All it takes is one minute for a child to open a door and fall into an in-ground pool. If that thought weighs heavily on your mind, you might feel better with an above-ground pool, which you can remove the ladder from when you're not using it. Yet even if you choose an above-ground pool, there is a still a myriad of safety concerns to address. Children need to be supervised at all times, the pool chemicals need to be balanced each day, and proper safety equipment needs to be readily available (think life preservers and floaties). And if your child can't swim just yet, now is a good time for a swim class.

3. Work 
It takes work to keep your pool crystal clear. A few days of rain can leave your once crisp, blue pool looking a bit cloudy or even green. Checking your pool's PH, chlorine and acidity levels must become a routine, like taking out the dog!

4. Cost 
While it can be expensive initially, a pool in your own yard will keep your kids busy for so many days this summer that the extra money might just be worth its weight in gold (or sanity!). But, you will have to factor in the cost of the pool itself, plus its upkeep, including replacement parts when something breaks (like our pump which recently gave way and cost us $500). In addition to the price of the actual swimming pool, you'll have additional expenses such as chemicals, safety equipment, pool accessories and toys, ground leveling and installation fees, and as mentioned earlier, possible fencing.

5. Germ Factor 
One of the things that gross me out about the beach and public pools are the seen and unseen things floating in the water that children share. Think dirty diapers, bodily fluids, saliva, etc... Sure, the chances of someone getting sick from shared water funk is relatively low, but I can't lower the gross factor in my mind no matter how hard I try, and for this I am truly grateful to have a pool.

6. Space 
If you get a pool that doesn't fold up and go in the basement once summer ends, your yard will lose a bulk of its space, which means less area for ball games, gardening, doggy spaces, and general room. I have a 4-foot year-round above-ground pool and I can tell you that when summer ends, I only wish I could fold it up and store it away like my much smarter sister-in-law does with her 4-foot collapsible pool.

7. Memories 
Having a pool is a gateway to making a ton of memories with family and friends. A pool enhances every barbecue and summer party. Plus, the instant cool factor on a stifling summer day is priceless!

via yahoo shine

Wednesday, June 27, 2012

Home Buyer Tips: Get What You Want

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According to KW research, the majority of homebuyers saw fewer than 11 houses. In fact, folks who saw thirty or more houses only accounted for 5% of all sales. Finding a great agent who can help you narrow your focus can go a long way to getting exactly what you want. To learn more, talk to your local real estate professional.

Tuesday, June 26, 2012

Gilbert Foreclosure Deal

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Gilbert Foreclosure Deal and Bank Owned Properties Real Estate Listings

View Gilbert Foreclosure Deal and Bank Owned Properties Real Estate Listings. Feel free to browse as many houses as you like. Remember to save your favorite homes. When you are ready about buying a home in Gilbert AZ, contact Swee Ng at 480.721.6253 today for complimentary consultation and to schedule showing appointment.



New Listing in Last 24 hour Gilbert AZ

Swee Ng, Realtor and Phoenix East Valley resident specializing in win-win real estate transaction through great communication and fighting for his clients' best interest. After all, this is more than real estates, this is about your life and your dreams.

If you are looking to buy or sell your home in Phoenix AZ area, we hope you will consider us. Contact us today for complimentary consultation.

Contact Swee Ng, Gilbert Real Estate Agent, Realtor in Gilbert AZ

Search and view your dream home your way
Receive email alert as soon as a Gilbert property matching your criteria hits the market. Be one of the first to see new listings. Simply type in everything you want in a house and save your search here to be notified.

Search your dream home now

Layton Lakes Gilbert Real Estate and Homes For Sale

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Layton Lakes Gilbert Real Estate and Homes For Sale

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Located in North-East and North-West of Lindsay Road and Queen Creek Road in Gilbert AZ 85297. Layton Lakes is geared toward active family lifestyles with amenities such as multiple lakes and steams, splash pad, parks, playgrounds, sports fields, basketball courts, volleyball courts, tennis courts, walking trails and picnic areas with barbeques. Just minutes from Santan Village, Crossroad Towne Center and charming Downtown Gilbert Heritage District. Homes in Layton Lakes were built since 2007 and ranging from 1,400 - over 4,000 sq/ft.

Lennar offers 5 Collections of New Homes in Layton Lakes:
Layton Lakes Gilbert AZ 85297 Real Estate and Homes for Sale
Layton Lakes, Gilbert AZ


Community and Demographic Information for Layton Lakes
Gain valuable insight into the Layton Lakes community by looking at household incomes, crime risk, education levels attained and weather information. Use the map to locate points of interest like shopping, restaurants, and health care services.

School near Layton Lakes
Layton Lakes is served by Chandler Unified School District. School aged children at North-West of Lindsay Road and Queen Creek Road attend Haley Elementary, Santan Jr High and Perry High School. School aged children at North-Eest of Lindsay Road and Queen Creek Road attend Weinberg Elementary, Payne Jr High and Perry High School. Access Gilbert 85297 school detailed information on the Chandler Unified School District, school ratings, test scores by grade, student-teacher ratio, and much more.

Affordable Financing Options
Several low down payment financing options including; FHA 3.5% 0.5% Down Financing, VA ZERO Down Financing, Conventional Financing and others are available. Contact Us to find out what loan programs you qualify for. Learn more about how to buy a house in Gilbert AZ with a low down payment.

Free Gilbert AZ 85297 Market Report
Sign Up for Free Gilbert AZ 85297 Market Report. The data used this Gilbert 85297 Market Report is consolidated from multiple sources and includes current listings, recent sales, and more. Whether you’re a buyer or seller, the knowledge you gain will help put you in control of your real estate transactions.

Selling Your Home in Layton Lakes, Gilbert
Contact Us or call Swee Ng, Gilbert Real Estate Agent at 480.721.6253 today to discuss your potential home value and our comprehensive marketing plan. We will prepare complimentary competitive market analysis (CMA) to find out what your Home is worth at today's market. You also can view your home value instantly at www.GilbertAZHouseValue.com.


Ready to Sell?
  • Call 480.721.6253 or Contact Us to schedule a Complimentary & NO OBLIGATION Seller Consultation
  • Go to sell.sweephoenixhomes.com for Comprehensive Marketing Plan when list with us
  • Click here to Check your Gilbert home's value instantly
  • Click here and Enter your zipcode and find out Market Snapshot for Free
  • Not Thinking of Selling Right Now? – Text Update to 480.788.6408 and Your Zip Code and I will send you the following update on the 1st of every month. NO SPAM – JUST ONE INFORMATIVE TXT PER MONTH
Ready to Buy?
  • Call 480.721.6253 or Contact Us to schedule a Complimentary & NO OBLIGATION Buyer Consultation
  • TXT AZ246 to 32323 to Download My GPS enabled Mobile App and Browse Homes on your smartphone
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Keller Williams Realty

15905 S 46th St #160
Phoenix , AZ , 85048
480-721-6253

Swee Ng, Realtor with Keller Williams Realty who live, work and play in Gilbert AZ, specialty in Residential Resale, First Time Home Buyer and Investment Homes.
Visit www.SweeEastValleyHomes.com for your Gilbert Real Estate needs.
Go to www.GilbertAZHouseValue.com to find out what your Gilbert house is worth
instantly.Buyer's Representation Services (NO COST TO HOMEBUYERS)

Monday, June 25, 2012

Freeman Farms Gilbert Real Estate and Homes For Sale

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Freeman Farms Real Estate and Homes For Sale | Gilbert AZ 85298

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Located on North-East and South-East corner of Greenfield Road and Ocotillo Road in Gilbert AZ 85298, Freeman Farms by Fulton Homes is ideal for growing family. The community features lake, mountain view, green belt, covered playgrounds and sport court and plenty of open spaces.

Just up Greenfield Road is the fabulous San Tan Mall, an outdoor mall that features Dillards, Macys, Apple Store and many top retail stores as well as plenty of dining plus and a huge Harkins Theater complex.

Freeman Farms Gilbert Homes For Sale
Freeman Farms, Gilbert AZ 85298


Fulton Homes offer 5 series of homes in Freeman Farms:
  • Mediterranean - 9 floor plans, 1,763 - 3,769 sq/ft
  • Oasis - 8 floor plans, 1,997 - 3,801 sq/ft
  • Caribbean - 8 floor plans, 2,431 - 4,065 sq/ft
  • Peninsula - 8 floor plans, 2,714 - 4,204 sq/ft
  • Legacy - Luxury Gated Community with 9 floor plans, 3,877 - 6,683 sq/ft
Community and Demographic Information for Freeman Farms
Gain valuable insight into the Feeeman Farms community by looking at household incomes, crime risk, education levels attained, and weather information. Use the map to locate points of interest like shopping, restaurants, and health care services.

Freeman Farms is served by both Chandler Unified School District and Higley Unified School District. School aged children inside Chandler Unified School Boundary (South-East of Greenfield Road and Ocotillo Road) is attending Chandler Trad Campus - Freedom Elementary, Willie & Coy Payne Jr. High and Perry High School.
School aged children inside Higley Unified School Boundary (North-East of Greenfield Road and Ocotillo Road) is attending Coronado Elementary, Cooley Middle School and Williams Field High School.
Access Gilbert 85298 school detailed information on school ratings, test scores by grade, student-teacher ratio, and much more.

Free Gilbert 85298 Market Report
Sign Up for Free Gilbert AZ 85298 Market Report. The data used this Gilbert 85298 Market Report is consolidated from multiple sources and includes current listings, recent sales, and more. Whether you’re a buyer or seller, the knowledge you gain will help put you in control of your real estate transactions.

Click here to view Homes for Sale in Freeman Farms

Ready to Sell?
  • Call 480.721.6253 or Contact Us to schedule a Complimentary & NO OBLIGATION Seller Consultation
  • Go to sell.sweephoenixhomes.com for Comprehensive Marketing on Selling Your Home with us
  • Click here to Check your Gilbert home's value in 30 seconds
  • Click here and Enter your zipcode and find out Market Snapshot for Free
  • Not Thinking of Selling Right Now? – Text Update to 480.788.6408 and Your Zip Code and I will send you the following update on the 1st of every month. NO SPAM – JUST ONE INFORMATIVE TXT PER MONTH
Ready to Buy?
  • Call 480.721.6253 or Contact Us to schedule a Complimentary & NO OBLIGATION Buyer Consultation
  • TXT AZ246 to 32323 to Download My GPS enabled Mobile App and Browse Homes on your smartphone
Swee Ng, Realtor with Keller Williams Realty who live, work and play in Gilbert AZ, specialty in Residential Resale, First Time Home Buyer and Investment Homes.
Visit www.SweeEastValleyHomes.com for your Gilbert Real Estate needs.
Go to www.GilbertAZHouseValue.com to find out what your Gilbert house is worth instantly.

Request FREE Buyer Guide

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Sunday, June 24, 2012

FHA Short Sale Program

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Considering a Short Sale? 
                                             - - - - Is your Mortgage FHA?

YOU MAY BE ENTITLED TO $1000 CASH BACK ON YOUR SHORT SALE!!!!

FHA short sales are a great process.  A very specific process has been established by HUD (Department of Housing and Urban Development) that is required to be followed when doing an FHA short sale.  This causes the lenders to adhere to specific steps and moves the process along much easier.

Great Kitchens Sell Homes

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The kitchen is the most important room to stage in your home. Potential home buyers will want to view it void of unnecessary countertop appliances and clutter. By showcasing your kitchen in the best possible light, you can potentially sell your home faster and increase the closing price.  Even in a slow real estate market, making your kitchen attractive to a buyer could make the difference.

Clean up the kitchen
Studies have shown that one of the dirtiest places in the home is the kitchen. Before you list, pull out those rubber gloves and give everything a good scrub so that the kitchen sparkles. Replace unsightly floor tiles, or in a worst-case scenario, consider a complete floor makeover. Pay special attention to the cabinetry; in older homes, it is common to see cracks in the beaded caulking between the ceiling and the trim above the cupboards. For less than $10, you can buy a pre-mixed tube of crack filler and make it look like new. Also, to give the kitchen an inexpensive facelift, consider replacing the fixturing – an affordable way to give doors and drawers a second wind.

Clutter is a kitchen killer
Kitchens are the focal point of almost every home. A great rule of thumb for the staging of a kitchen is to leave no more than two appliances on your counter. After you have uncluttered the kitchen counter, brighten and soften the space by adding some fresh fruit, new dishtowels, a cookbook, and plants or flowers.

Modernizing today will help you sell tomorrow
Modernizing your kitchen can help you sell your home for years to come. Renovating your kitchen now will let you enjoy new appliances while boosting the value of your home for the future. While you may want to take specific appliances with you, stainless steel can make almost any kitchen sing. Another way to add value to your kitchen is to install concealed appliances – hiding the dishwasher and fridge, for example, can really spice up your kitchen for buyers. Also popular are dual microwave/convection oven (prices can vary between $200 - $900 for higher-end stainless built-ins) – another appliance quickly becoming a staple in most modern kitchens.

If you can’t replace appliances, be sure to have them repaired and cleaned. It’s also a good idea to clean your fridge and stove, as buyers will almost always open oven and fridge doors.

Lighting
Take the time to make sure all the existing light fixtures have working light bulbs. Make sure the blinds are open on all the windows and, if required, add a small table lamp or two to accent a dark corner.

… And the kitchen sink
Another kitchen remodeling idea is to upgrade your “sinkware.” New faucets, soap dispensers and sinks (whether you are reglazing or replacing altogether) are affordable ways to give the kitchen an immediate facelift. Don’t forget, buyers love to turn on the kitchen faucet when touring a home.

The kitchen is the most important room and biggest selling feature in your house. Staging it properly can make every potential buyer say, “this could be my kitchen.

via bhgrealestate

Saturday, June 23, 2012

Home Buyer Tips: Purchasing Power

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Back in 1989, a loaf of bread cost $0.67- now it costs $1.98. And gas has more than doubled in price. Even though homes have appreciated, a monthly payment on the average house is actually less than it was in 1989.

3 Bedrooms Neely Commons Gilbert 85296 For Sale

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3 Bedrooms Neely Commons Gilbert 85296 For Sale
Front Exterior
3 Bedrooms Neely Commons Gilbert 85296 For Sale
Kitchen
3 Bedrooms Neely Commons Gilbert 85296 For Sale
Family Room
3 Bedrooms Neely Commons Gilbert 85296 For Sale
Back to Greenbelt
3 Bedrooms HUD Home next to greenbelt in Neely Commons Gilbert 85296 For Sale. Single Story 3 Bedroom, 2 Bath, 2 Car Garage, Bright Open Tiled Breakfast Bar/Island Eat in Kitchen with Appliances, Gorgeous 8 Foot Entry Door, Large Great Room with Vaulted Ceilings, Custom Paint, 3 Panel Doors, Ceiling Fans, Split Master with 2 Sinks Huge walk in closet, Grassy Front , Cozy Back Yard with Private Covered Patio, community park is adjacent to the home and no neighbors behind, Near schools, shopping and all freeways!!

Elementary School District: 041 - Gilbert Unified District
Elementary School: Greenfield
Jr. High School: Greenfield
High School: Gilbert High School

Click here for more information and photos for this listing. You also find out more about the community, school report, crime report and much more...

Search Homes for Sale in Neely Commons community
Search Homes for Sale in 85296
* Important Disclosure: This property is available at the time of this blog creation. It is very possible that an offer has been submitted or even accepted since that time. If you are interested in this property, Please call 480-721-6253 to check on its current availability.

Friday, June 22, 2012

20 Questions You Should Ask Yourself Before You Relocate For A Job

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If you were offered a job in another city—or your current employer asked you to relocate—would you make the move?

Some would say yes in a heartbeat, while others might struggle with the uncertainty that accompanies such a big change.

To avoid problems like this, ask yourself the following questions before you relocate for a job:
  • Will I love my new job?
  • Where will I live?
  • Who will pay for relocation expenses?
  • What is the cost of living like in this new city? Can I afford to live in the new city and still save some money? Click here to find out
  • What does the future of this company or position look like?
  • Is the job one in which I can definitely envision myself learning and advancing my career?
  • Is the culture of the new company and new city a good match for me and my family?
  • Will we make friends easily?
  • Will living and working in the new city provide me with better opportunities than my current situation?
  • What are the benefits of relocating for this job? Do they outweigh the obstacles?
  • Is my significant other on board and where will he or she work?
  • What is there to do in the new city besides work? Click here to find out
  • What am I leaving behind?
  • Do I do well with change?
  • Where will my kids go to school? Does the school system have a good reputation? Click here to find out
  • What is the neighborhood like? Click here to find out
  • What is the weather like? Click here to find out
  • What’s my backup plan if things don’t work out?
  • Will my family be happy in this new place?
  • Will I be happy?

端午节快乐 Happy Dragon Boat Festival

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端午节快乐
Happy Dragon Boat Festival

Thursday, June 21, 2012

Shamrock Estates Gilbert Homes For Sale and Real Estate

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Shamrock Estates Homes for Sale | Gilbert AZ 85298

Located at the southern end of Gilbert, Shamrock Estates is found just off of S Higley Road and E Chandler Heights Road, Gilbert AZ 85298 Shamrock Estates is set amid a palette of lush landscaping and tree lined streets that are connected by meandering walking and biking paths that lead to several neighborhood parks. Residents of Shamrock Estates are afforded a relaxed living environment and serene settings with the majestic San Tan mountain views.

Shamrock Estates Gilbert 85298 Homes For Sale
Shamrock Estates, Gilbert AZ 85298

Homes in Shamrock Estates are built in mid 2000 and are ranging from 1,200 - over 5,000 sq/ft. Whether you are looking for 3 Bedrooms Homes for Sale, 4 Bedrooms Homes for Sale or Homes with Pool for Sale, you can find them all at Shamrock Estates.


Conveniently Located in Shamrock Estates
Residents in Seville enjoy near by shopping (Walgreen), grocery stores (Fry's Food), restaurant and other amenities.

What's nearby Shamrock Estates


Community and Demographic Information for Shamrock Estates
Gain valuable insight into the Shamrock Estates community by looking at household incomes, crime risk, education levels attained, and potential for extreme weather. Use the map to locate points of interest like shopping, restaurants, and health care services.

Shamrock Estates is served by Chandler Unified School District. School aged children is attending onsite Chandler Traditional Academy - Freedom, Willie & Coy Payne Jr. High and Perry High School. The quality of a school can greatly influence home values in an area. Access Gilbert 85298 school detailed information on the Chandler Unified School District, school ratings, test scores by grade, student-teacher ratio, and much more.

Free Market Report Gilbert 85298 AZ
The data used this Gilbert 85298 Market Report is consolidated from multiple sources and includes current listings, recent sales, and more. Whether you’re a buyer or seller, the knowledge you gain will help put you in control of your real estate transactions.

Click here for Homes for Sale in Shamrock Estates

Click here for Homes for Sale in 85298
Click here for Homes for Sale in Gilbert

Ready to Sell?
  • Call 480.721.6253 or Contact Us to schedule a Complimentary & NO OBLIGATION Seller Consultation
  • Click here to Check your Gilbert home's value instantly
  • Click here and Enter your zipcode and find out Market Snapshot for Free
  • Not Thinking of Selling Right Now? – Text Update to 480.788.6408 and Your Zip Code and I will send you the following update on the 1st of every month. NO SPAM – JUST ONE INFORMATIVE TXT PER MONTH 
Ready to Buy?
  • Call 480.721.6253 or Contact Us to schedule a Complimentary & NO OBLIGATION Buyer Consultation 
  • TXT AZ246 to 32323 to Download My GPS enabled Mobile App and Browse Homes on your smartphone
Swee Ng, Realtor with Keller Williams Realty who live, work and play in Gilbert AZ, specialty in Residential Resale, First Time Home Buyer and Investment Homes.
Visit www.SweeEastValleyHomes.com for your Gilbert Real Estate needs.
Go to www.GilbertAZHouseValue.com to find out what your Gilbert house is worth instantly.

Smarthome Amazon Alexa 'works with'