"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.

Friday, August 31, 2012

Ashley Heights Gilbert AZ 85295 Real Estate and Homes for Sale

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Ashley Heights Real Estate and Homes for Sale | Gilbert AZ 85295

Last updated on

Ashley Heights is located on Recker Road south of Ray Road in Gilbert AZ 85295. Ashley Heights community provides a great place for families of all ages to live and play. Walking paths and parks are scattered throughout the neighborhood. Other amenities including sports courts, playgrounds, and picnic areas. Homes in Ashley Heights are built in 2000 and ranging from around 1,300 - over 3,000 sq/ft.

Ashley Heights, Gilbert AZ 85295


School near Ashley Heights Gilbert AZ 85295
Ashley Heights community is served by the Higley Unified School District. Children in Ashley Heights community attend Gateway Elementary, Cooley Middle School and Williams Field High School.

Affordable Financing Options
Several low down payment financing options including; FHA 3.5% Down Financing, VA ZERO Down Financing, Conventional Financing and others are available. Contact Us to find out what loan programs you qualify for.

How to buy a house with low down payment


Gilbert AZ Housing Market Report
View Gilbert AZ Housing Market Report. The data used this Gilbert AZ 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.

Ashley Heights Gilbert AZ 85295 Homes for Sale

Selling your home in Gilbert AZ
Contact Us or call Swee Ng at 480.721.6253 today to discuss your potential Gilbert AZ House 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.

What's My Gilbert AZ Home Worth?
Enter your home address and see your house value instantly for free

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
  • 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 and Gilbert AZ 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 Gilbert AZ, we hope you will consider us. Contact us today for complimentary consultation.

This Month in Real Estate (US) September 2012

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Sunday, August 26, 2012

Higley School Boundary Map

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Higley K8 School Boundary

Higley High School Boundary



Chandler School Boundary Map

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Chandler Elementary School Boundary

Chandler Junior High School Boundary

Chandler High School Boundary




How To Make Moving Efficient And Easier On Everyone

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Poll the average person and ask them what they think of having to move to a new residence and the answer won’t be all peaches and sunshine. It’s certain that almost can agree that having to move can be a time-consuming necessity, but nonetheless it’s a necessity. Settling on a new place can be a chore in and of itself, and having to plan, pack and unpack is on deck.

And procrastinating won’t get you any further, either. In fact, having a plan in place and the motivation to see through it is what separates an easy move from a loathsome one. With that said, below are a few basic tips to making the most from your move.

The Plan Before The Plan
Right off the bat, you must decide if you have the time and energy to do the move yourself or if you should hire a professional to do the task instead. There’s probably an abundance of moving companies around your area, but if you have some spacious trucks and a few helping hands to do if for you, that’s another option. Just make sure you’ve got this one decided before doing anything else.

Lists, Lists And More Lists!
Grab the nearest legal pad and start surveying your possessions. Make a note of every one, from the most fragile to the sturdiest. What this does is allow you to see just how much clutter you have in your home and you’ll know whether or not a garage sale is in order, or better yet, you can donate them to local charities.

Sort Packaged Items By Room
This one will save you time during the unpacking phase. As you start to pack up items, label the boxes for kitchen, living room, bedrooms and so forth. The last thing you want is a bunch of boxes stacked on top of each other in one empty room of your new home and not know which go where.

Pack Weeks In Advance
As procrastinators love to wait till a few days before the move, you should do the opposite. You should begin packing up all small to medium-sized belongings weeks in advance. In fact, save a block of time on certain days and dedicate that solely to packing. Also, if you’re in the hunt for big, sturdy boxes and don’t want to have to pay for them, ask around for some and see if friends and family have some in storage. Or go to the grocery store or liquor store and see if they have any extra boxes lying around.

Take Your Time When Lifting and Hauling
I included this one specifically because I’ve injured myself needlessly by either trying to act like a hero and carry more items than I should at once, or I just was not aware of my surroundings (see: steps and stairs). Be cautious with how you lift and haul away bulky items like couches and mattresses or other heavy objects to and from the truck and on into the home. Instead, call upon the help of two or three of your friends with each heavy item, being careful to bend at the knees and not put the weight solely on your back. There’s no sense in pulling a muscle or having something worse happen.

If Possible, Make Less Trips Back And Forth
Some moves require a lot of backtracking from the old home to the new one because there are simply too many items to be hauled away. But, if you take a few extra minutes with how you store every box in a truck or moving van and open up more space, you’ll be saving yourself an extra trip, which in turn saves the gas tank in the end. And really, this is all about making the move as effortless and swift as possible.

Lastly, Don’t Put Off Unpacking
I fell into this category on a couple of my moves where I just wanted to rest on the couch in my pretty bare-bones living room with just the T.V. and cable box to bide my time. All those unpacked boxes scattered around the house just stood there for a couple days to the point I would get to them one by one through the week.

Don’t do that.

You’ll have wasted all those good hours you saved from doing the previous steps and probably tack on a few more in the process. While you may be exhausted from the moving day, unpacking and sorting your possessions throughout your new residence can give you a good idea of what you want the layout to be and feel.

Concluding Thoughts
Moving into a new home should be about good vibes and getting the new chapter in your life underway. Don’t let the happy emotions fall by the wayside by dreading the moving process. Rather, embrace it and get a jumpstart on it. The rest should fall in place.

via homegain.com

Friday, August 24, 2012

JD Power Associates | Keller Williams Realty # 1

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PROUD and HONOR to be in the great company! 
THANK YOU ALL for making in happen!

AUSTIN, TEXAS (August 16, 2012) — According to the J.D. Power and Associates 2012 Home Buyer/Seller Satisfaction StudySM released yesterday, Keller Williams Realty, Inc. ranks highest in customer satisfaction in both the homebuyer and home seller segments. Keller Williams Realty, Inc. achieved the highest scores in all measured factors across both segments, receiving the highest JDPower.com Power Circle RatingSM among its competitors overall.... continue reading....

Wednesday, August 22, 2012

5 Mistakes Buyers Make in a Hot Market

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While home prices are nowhere near their peak of 6 or 7 years ago, the nationwide data is clear: the housing market this summer has been hotter than at any time since the recession:
  • The Census Bureau just revealed that new home starts rose 6.9% in June to their highest level in four years - up 23.6% from a year earlier.
  • In April, home prices rose for the first time in seven months, according to the S&P/Case-Shiller home price index. 
  • The number of home sales pending rose 9.5 percent year-over-year from June 2011 to June 2012, as reported by the National Association of Realtors. 
Given this rapid turn of the market, what’s a buyer to do? Maybe take a new approach to prepping for the hot market house hunt. To that effect, I submit that savvy buyers will find more pitfall-preventing power in learning what not to do. Inspired by the last time we had a market heated up by short times on market, low inventory and multiple offers, here are five hot market mistakes home buyers should avoid making:

1.  Acting out of desperation.  Deep inhale - aaaaaand exhale. It’s extremely easy to get caught up in the lightning-fast pace at which the great homes come on and off your local market, growing panicked and even desperate - especially when you see ‘just-right’ homes go from 'New' to 'Pending' status before you can even get an appointment to see them!

But know this: desperation has no place in a home buying transaction. Panic does nothing but cause people to make impulsive and otherwise unwise decisions, ranging from talking themselves into a home that isn’t quite what they really want, to paying way more than they can truly afford to spend (see #s 4 and 5, below).

If you’re in the market for a home, and your local market is so hot it’s causing you to feel freaked-out, panicked or overwhelmed, remind yourself that:
  • There are probably hundreds of homes in your neck of the woods that will meet your needs. When one goes off the market, another is on it's way on.
  • There is no ‘perfect’ home.  If you didn’t get that one that seems like ‘the one,’ then, by definition, it’s not ‘the one.’ 
  • Every home you see or make an offer on, and don’t get, equips you with a better understanding of the market, putting you in a better position to get the home that will eventually be yours. In life generally, I believe every experience is either a stunning success, or a successful education. Look at the homes you miss out on as an opportunity to get a successful education about the market.
Desperate is bad.  Urgent, however, is good. If you know, for example, that single family, 3+ bedroom homes, near downtown under $400,000 move very, very quickly, then act on that knowledge:
  • Ask your agent to notify you as soon as they hear of homes coming on the market that meet your needs - even before they are on the MLS, if possible. 
  • Give your contact information to the listing agents at Open Houses similar to what you’re looking for and ask them to drop you a note if they get similar listings.
  • As soon as you see a new listing that seems like it might work for you, go see it - don’t wait for the weekend. And if you see a home and really like it, make an offer without further ado.  
2.  Hesitating. What’s worse than seeing great properties come and go before you can get out to see them?  Seeing them go into contract after you view them, but before you make your own offer. When the market is hot, often buyers who have been sitting on the fence or simply window-shopping for ages will stumble into a great Open House and decide that it’s time to make an offer, only to realize that their loan approval has expired and it will take a day or two to get a new one. At the other end of the spectrum, buyers who have just started house hunting can come across a home they love, but drag their feet in making an offer because (a) they’re used to a slower-paced market, so don't recognize the urgency and (b) they aren’t 100 percent sure something better won’t be coming right along.

On a hot real estate market, hesitation can be costly.  You can end up in a multiple offer situation where you would have been the only offer a few days prior, or can even end up losing out on a property entirely because another, more decisive buyer swoops the place right out from under your nose.

Morals of the story: Make sure you maintain a current loan approval in place at all times - in fact, I say you shouldn’t be out house hunting if you don’t have a current loan approval.  And, for those new to the house hunt, go Open House hunting even when you aren’t completely in love with the listings you’re seeing online. Once you’ve seen a good number of homes, you’ll have more material against which to compare every other home you see, making you less likely to dither before making an offer when you do find a good one.

3.  Ignoring the market entirely.  I’m not an advocate of making your decisions about whether and when to buy or sell based on what’s happening in the market. Rather, I recommend making your real estate decisions based on what’s happening (and what you forecast and envision will be happening in the next 5-10 years) in your family, your career and your life.

That said, when it comes time to execute your decision to buy, it’s foolhardy not to take market dynamics into account.  I’ve seen many a buyer over the years decide to stick their heads in the sand and their ears in their fingers, tuning out all of the market ‘noise’ as though it doesn't apply to them.  Unfortunately, in a hot market, this usually results in them getting beat out for 5 or 10 different houses, then having the emotional kneejerk reaction of throwing every single dollar they have at the next house they fall in love with - whether it’s the right house or not, and whether they can truly afford it or not.

You don’t want to fall under the panic-inducing spell of the market, but neither do you want to ignore it. Rather, ask your local agent to help you pay attention to neighborhood-specific information, like:
  • which types of properties move quickly,
  • how many days they generally stay on the market,
  • whether multiple offers are a reality you need to face, and
  • how much over-asking homes like the one you want are selling for.
Then, use this information to make strategic decisions about your home buying process, covering everything from which properties and areas you’ll focus on, how quickly you’ll need to get out to see listings and - most importantly - what price range you should focus your search on.  If you know homes are selling for over-asking, engineer your search price range to be low enough that you can be successful, rather than exclusively looking at properties priced at the top of the range you can afford.

4.  Financial fogginess.  Don’t run the numbers in your head.  Don’t ballpark your income, the big bills and such on a notepad, stick your finger in the wind, and decide you can afford X number of thousands of dollars a month for a home. Home buying is the big leagues, financially speaking, so you need to be sparkling, crystal clear on precisely what you can afford. This universal truth of home buying is especially critical in a hot market, where you may be faced with the need to make decisions about whether to increase your price range or your offer price on relatively short notice.

Either keep an income/expense journal, use an online money app like Mint or Manilla or sit down and do a deep dive into your last few months’ checking and other account statements to get a complete picture of what you can afford and to get conscious about what sacrifices might want or need to make.

It is not overkill to bring your tax advisor or financial planner into this conversation, so they can help you understand how your tax situation as a home owner may change, freeing up some extra monthly budget room for your mortgage, property taxes, insurance and HOA Dues or Private Mortgage Insurance (PMI), if applicable. Also, make sure you include line items for your savings, retirement investing, gifts, school tuition, travel and recreation - the sorts of things that lenders will not account for when they tell you what their guidelines say you can afford.

5.  Overpaying.  There are several ways to overpay for a home.  You could pay more than the place is worth, which is difficult to do if you are buying the place with a mortgage loan which requires an appraisal. You could pay more than you need to in order to get the property, which sometimes happens to buyers in multiple offer situations, and buyers who have experienced the trauma of losing out on home after home, and who just decide to make a high offer to get closure and secure a place they like. Whether any price meets this second definition of ‘overpaying’ is difficult to ascertain, as it would require us to know what would have happened in the hypothetical world in which they didn’t offer such a high price and so, might not actually have been the successful buyer.

The antidote to both these forms of overpaying is simple: pulling the comparables before you decide what to offer.  It only takes a minute, your agent will help you, and it’s just not prudent, in 2012, to decide on an offer price without a fresh pull of the sales data on the similar, nearby homes that have recently sold.  If your agent includes active and pending sales in their pull of the comparable data set, you may also find out useful information like whether several other competitive properties have just hit the market, or that all of the competition is now pending - things that might also inform your motivation levels or price strategy.

And there is a third, more insidious form of overpaying that haunts hot market buyers as well: paying more than you can truly afford for a home. It’s fine, even expected, that if you thought you were buying into a depressed market and instead end up buying in a hot one, you might have experienced some upward ‘creep’ in what you’re willing to spend for a home. But that doesn’t excuse letting that creep go beyond what you can truly afford, overextending yourself.

This form of overspending is also more difficult to do now than it was before the housing market recession began, as lender guidelines a much tighter now than then. But it’s still possible - especially as lenders don’t account for what you should be putting aside for savings, for retirement, for your children’s education and other essential monthly budget items that impact what you can truly afford to pay for a home.

The only cure for this form of overspending is for you to both know (see #4, above) and to set in stone what your actual, top-line maximum home purchase price is - even if you are the only one who knows this number, in your own head. Your mortgage professional can help you work backwards from the amount of cash you have to invest in the transaction and the maximum amount you can devote to your housing costs on a monthly basis, to arrive at your maximum home purchase price.

Long story short - if you’ve been pondering the prospect of buying a home for long, you might feel like you’ve been sitting in the economy section of an emotional rollercoaster. Prices fell so fast you might have doubted whether buying makes sense at all. Now, with barely a plateau, they’re on the upswing - and every other buyer in town seems to be dropping offers on the choice homes before you can even get out to see them.  Use these tools to avoid repeating the mistakes of the last generation of homeowners.

via trulia

Tuesday, August 21, 2012

The Gardens Gilbert 85296 Real Estate and Homes for Sale

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The Gardens Real Estate, House Value & Homes for Sale | Gilbert AZ 85296

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The Gardens is located at the northeast corner of Ray and Recker road, in the northen sections of 202 Loop, adjacent to Ray Ranch and Ashley Heights in Gilbert AZ 85296. Residents of The Gardens will enjoy many on-site amenities, including numerous parks, basketball courts, playgrounds, and 3 community pools. Homes in The Gardens are built in the early 2,000 and ranging from 1000 - over 2,500 sq/ft.

The Gardens, Gilbert AZ 85296



Conveniently Located in The Gardens
Residents in The Gardens enjoy near by shopping and restaurants in Crossroads Towne Center, Santan Village, grocery stores and other amenities.

School near The Garden Gilbert AZ 85296
The Gardens community is served by the Higley Unified School District. Children in The Gardens attend Gateway Elementary, Cooley Middle School and Williams Field High School.

Affordable Financing Options
Several low down payment financing options including; FHA Financing, VA ZERO Down Financing, Conventional Financing and others are available. Contact Us to find out what loan programs you qualify for.

How to buy a house with low down payment

Gilbert AZ Housing Market Report
View Gilbert AZ Housing Market Report. The data used this Gilbert AZ 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.

The Gardens Gilbert AZ 85296 Homes for Sale

Selling your home in Gilbert AZ
Contact Us or call Swee Ng at 480.721.6253 today to discuss your potential Gilbert AZ House 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.

What's My Gilbert AZ Home Worth?
Enter your home address and see your house value instantly for free

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
  • 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 and Gilbert AZ 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 Gilbert AZ, we hope you will consider us. Contact us today for complimentary consultation. Buyer's Representation Services (NO COST TO HOMEBUYERS) Search and view your dream home in Gilbert AZ

Sunday, August 19, 2012

5 Steps to a Successful Loan Modification

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A loan modification is often the last, best hope for millions of Americans in danger of losing their homes to foreclosure.

The way you prepare for and execute the application process will have a huge impact on how successful your request is likely to be.

Heed the advice of a trio of housing counselors who have spent countless hours laboring to make sure financially troubled homeowners get fair, sustainable loan workouts. The following five steps can put you on the fast track to keeping your house.

Work with a housing counselor
When homeowners can't make their payments and want some sort of home loan workout, "they really need to go to a counselor, because then they will be represented," says Michelle Lewis, president of Northwest Counseling Service in Philadelphia.

When a mortgage servicer denies a loan modification or other type of workout, or when the servicer's offer of relief is insufficient, a counselor can make a counteroffer.

A counteroffer should be viewed as a "challenge," says James Jones, director of foreclosure prevention advocacy for ESOP, or Empowering and Strengthening Ohio's People, in Cleveland.

"When we look at a person's specific situation, we have a good idea of what they qualify for," Jones says. "If it does not look like the servicer is giving them the best deal, we do challenge. That's part of our process.

"In other words, what we're looking to do is get the best workable solution to the homeowner's problem. Challenging servicers -- we do it all the time, almost daily."

Counseling agencies often have direct phone and fax numbers they can use to cut through mortgage servicers' red tape. A good way of finding a HUD-certified housing counseling agency is to call the HOPE hot line at (888) 995-4673.

Make sure the workout is sustainable
Mortgage modifications result in lower interest rates, extended payback periods and (sometimes) forgiven debt. A modification is one way to save a mortgage. There are other types of loan workouts:

Forbearance. This allows you to skip payments or make partial payments while you go through a temporary hardship.

Repayment plan. You pay extra every month until you catch up after falling behind.

A workout has to be sustainable over the long haul, says Sue Hunt, director of housing counseling for debt counseling giant CredAbility, in Atlanta.

"Our job is to work with the homeowner to make sure that they've presented true and accurate figures to the servicer, so that the servicer can give them the best option that's available to them," Hunt says.

Hunt adds, "If we can present the case to a servicer that the original plan is not sustainable, and there's another option available, servicers will tend to do that."

Have realistic expectations
Sometimes, borrowers have unrealistic expectations. That's a big mistake.

"We're looking for 'fair and reasonable' on both ends," Jones says. "We're looking for the servicer to be fair and reasonable, and we're looking for the homeowner to understand what their situation is, and expect something fair and reasonable."

In other words, counselors sometimes find themselves telling borrowers not to expect a generous handout.

Under the federal government's guidelines for the Home Affordable Modification Plan, a mortgage is presumed sustainable if the monthly payment is 31 percent of the monthly before-tax income.

Given his druthers, Jones would prefer that number to be 28 percent. But he says 31 percent is fair and reasonable.

Own up to your role in the mess
Housing counselors must summon diplomatic skills when talking with troubled borrowers. Counselors gently tell homeowners to cut back on spending. And counselors often have to prod borrowers to provide more accurate financial information to servicers.

Hunt says homeowners often report inaccurate income and budget figures to servicers and overestimate some expenses. That results in unsustainable workout offers.

"Maybe they hadn't taken some (budget) reductions that they could have, or they underestimated their income because they wanted to be on the conservative side," she says. "And while we always want homeowners to be truthful, we also want them to be realistic."

Lewis says that when a borrower inflates monthly expenses, it's important to go back into the budget, identify real expenses and slim them down.

"Usually it's a matter of coming back and crunching the numbers again, and really looking at that budget," Lewis says.

Then, the new income and budget figures are sent to the servicer, "and most of the time you are able to come back with something affordable," Lewis says.

Get financially literate
Housing counselors have empathy for clients. But there is an undercurrent of frustration, too.

"The key to this process is they need some kind of financial literacy training," Jones says. "Yes, we get a workout, but counseling should not stop there."

Borrowers need financial coaching, with frequent checkups, Jones says. ESOP surveys its mortgage-workout clients at three months, six months and one year afterward, "just to see if they're staying on track," Jones says.

"And you'll be surprised at what we call 'frequent fliers,'" Jones says. "We get them out of trouble and the next thing you know, here they come again."

Financial literacy, Jones says, is the key to "changing that frame of mind that says, 'I see it, I want it, and I can get it, so I'm going to get it.' That whole idea has to change."

via bankrate

Wednesday, August 15, 2012

Gilbert School Boundary Maps

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Gilbert Elementary School Boundary

Gilbert Junior High School Boundary

Gilbert High School Boundary




Tuesday, August 14, 2012

5 Dirt-Cheap Home Staging Ideas

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When it comes to selling your home, appearance is everything. But hiring a professional "stager" to prepare the home for prospective buyers can cost anywhere from $50 to $150 per hour, according to Jessica Page, a Realtor with Innovative Real Estate in Denver.

Fortunately, homeowners can take matters into their own hands.

Page, along with veteran Florida Realtor Jennifer Radice, of Coldwell Banker in Boca Raton, share expert tips for staging your home that cost next to nothing.

Pack away personal items
Packing away personal items is one of the simplest -- and cheapest -- things you can do to sell your house or condo quickly, according to Page and Radice.

"The reason you want to 'de-personalize' your home is because you want buyers to view it as their potential home," Page says.

Prospective buyers won't be able to picture themselves in the house if they're surrounded by dozens of photos of your children and grandparents.

"Pictures are extremely distracting. You cannot believe how long potential buyers will stop and stare at people they do not know in photos," says Radice, who also recommends removing any religious items from plain view.

"You want your home to show like a model," Radice says.

In addition to attracting the buyer, "you want the buyer's agent to enjoy showing the home. You never know whom they may have, if this particular buyer is not interested," says Radice, who is in the top 1 percent of Realtors nationwide.

The cost: $2 to $3 for a roll of packaging tape. You already have the scissors on hand and you can often score the boxes for free from a neighborhood store.

Clear away clutter
Ridding your home of clutter is another simple way to get buyers to focus on the bones of the house, not the titles in your CD collection.

"This is the hardest thing for most people to do because they are emotionally attached to everything in the house," Page says.

"After years of living in the same home, clutter collects in such a way that may not be evident to the homeowner. However, it does affect the way buyers see the home, even if you do not realize it. Clutter collects on shelves and countertops, and in drawers, closets, garages, attics and basements," she says.

Radice recommends removing items from countertops in the kitchen and bathrooms.

"If you have kids, get rid of the toys all around the house. For all you know, the buyers could be empty nesters," Radice says.

She suggests putting things in boxes and neatly stacking them in the corner of the garage. Anything extra should go in a small, rented storage unit.

Even better, ask a friend or relative to hang onto your items for free.

"Pack up 90 percent of your home," Radice says.

The cost: The price of a storage unit varies (around $45 a month for a 5-foot-by-5-foot unit).

Rearrange and neutralize rooms
Rearrange the rooms in your home to reel in prospective buyers. Make sure each room has a distinct, useful purpose.

Page suggests touring builders' models to see how the rooms are furnished.

"Builders are experts on preparing their product for prospective buyers," she says.

Radice says closets should be "neat and organized."

"The pair of shoes that you haven't worn in 10 years, get rid of," she says.

If your home has been painted recently, consider yourself ahead of the game. If not, take a paintbrush to the rooms that need it most. Sellers who paint the interior of their home will see a large return on the investment, Page says.

"Fresh, neutral paint on the walls, trim and doors is worth its weight in gold -- it makes everything appear clean and new," she says.

The cost: Anywhere from $12 to $50 per gallon for paint, plus another $10 to $50 for other painting supplies (primer, brushes, drop cloths, etc.) You can get back some of that money as a refund on your taxes for any items you donate to charity (such as those extra shoes in the closet).

Scrub and deodorize
No one wants to look at a dirty, smelly home -- especially not prospective buyers. So make sure your house or condo shines from top to bottom.

Page says cleaning and deodorizing a home before every showing "should be first and foremost."

The goal is to help buyers imagine themselves living in the home, Page says.

"When buyers see an unkempt home or smell something when they first walk in, they become turned off immediately," Page says. "They can rarely see past it to look at all of the great features in the home."

Radice suggests having the house professionally cleaned so that everything is spotless -- windows, sliding glass door tracks, garage, basement, ceiling fans, etc.

"This is worth the money spent," Radice says.

She also recommends baking cookies in the oven, bringing cinnamon sticks to a slow boil in a pot of water or using air freshener to mask smells before each showing. Ridding the home of litter boxes is also a must.

The cost: Varies by the location and size of the home cleaning service, but typically less than $100 to clean a four-bedroom, 2,500-square-foot home. Cookie dough runs about $3.

Enhance curb appeal
Whatever you do, do not overlook the home's exterior when selling.

"Curb appeal is just as important as cleaning the inside of the home -- it's the buyer's first impression of your home," Page says.

Radice agrees. "You only have one chance to make a first impression. There are so few buyers out there -- you want your home to stand out."

Mow the lawn, make sure the sidewalk and driveway are free of clutter and debris, and ensure the house number is easily visible.

It may also be beneficial to pressure-clean the exterior of your home, driveway and sidewalk, if needed.

Another valuable low-cost solution? Mulch.

"Mulch is cheap and covers a multitude of sins. It makes everything look trim and neat," Radice says.

The cost: Mulch costs around $3 per bag.The cost of renting a pressure washer varies, but you may be able to get one from a local hardware store for around $50 per day. It may cost double that to purchase a pressure washer. Professional cleaning with a pressure washer for a 2,500 square-foot-house may set you back about $250.

via bankrate

Saturday, August 11, 2012

Villages at Val Vista Gilbert AZ 85297 Real Estate and Homes for Sale

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Villages at Val Vista Gilbert AZ 85297 Real Estate and Homes for Sale

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Villages at Val Vista is located between East German Road, East Queen Creek Road ad South Val Vista Dr in Gilbert AZ 85297, and just one mile South of Loop 202. Villages at Val Vista is a community of new, incredibly energy-efficient homes (solar system options available), ranging 1,768 - 2,785 sq. ft is a new community (2011) developed by Meritage Homes. This community also offers an array of amenities that include: Playground, Trails, Splash Pad and Volleyball. A new Val Vista Academy Charter School is located adjacent to the community.

Villages at Val Vista, Gilbert AZ 85297


Community and Demographic Information for Villages at Val Vista
Gain valuable insight into the Villages at Val Vista 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.

Villages at Val Vista community is served by the Chandler Unified School District. Children in Villages at Val Vista attend Weinberg Elementary, Payne Junior High and Perry High School. Access Gilbert 85297 school detailed information on 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% 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 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.

Prairie Zinnia 1,768 sq/ft
3 Beds, 2 Baths, 2 Car Garage
Purslane 1,914 sq/ft
3 Beds, 2 Bath, 2 Car Garage
Tamarisk 2,050 sq/ft
3 Beds, 2 Baths, 2 Car Garage
Eldorado 2,278 sq/ft
3 Beds, 2 Baths, 2 Car Garage
Barberry 2,288 sq/ft
4 Beds, 2.5 Baths, 2 Car Garage
Desert Star 2,409 sq/ft
4 Beds, 2.5 Baths, 2 Car Garage
Sierra 2,415 sq/ft, 
4 Beds, 3 Baths, 3 Car Garage
Arizona Sycamore 2,543 sq/ft
4 Beds, 2.5 Baths, 2 Car Garage
Gazania 2,785 sq/ft
5 Beds, 3 Baths, 2 Car Garage
Tahoe 2,900 sq/ft
4 Beds, 3.5 Baths, 3 Car Garage
Gallatin 3,222 st/ft
4 Beds, 3.5 Baths, 3 Car Garage
Coronado 3,687 sq/ft
4 Beds, 3.5 Baths, 3 Car Garage
Santa Fe 3,785 sq/ft
5 Beds, 4.5 Baths, 4 Car Garage

Remember New Nome Home Sales Associate represent builder, so if you would like an experienced Realtor to represent you should you decide to purchase I will need to go with you on your first visit to the development. (Read why it is important to work with a Realtor.)

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
photo of Swee Ng
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.

A Realtors Fiduciary Responsibility

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Do you know Realtor has Fiduciary Responsibility to his/her client?

According to wikipedia, Fiduciary duty is a legal or ethical relationship of confidence or trust between two or more parties. A fiduciary duty is the highest standard of care at either equity or law. A fiduciary is expected to be extremely loyal to the person to whom he owes the duty (the "principal"): he must not put his personal interests before the duty, and must not profit from his position as a fiduciary, unless the principal consents.

In a fiduciary relationship, one person, in a position of vulnerability, justifiably vests confidence, good faith, reliance and trust in another whose aid, advice or protection is sought in some matter. In such a relation good conscience requires the fiduciary to act at all times for the sole benefit and interest of the one who trusts.

As a Realtor, we have Fiduciary Responsibility to our client. The client is the home buyer or home seller that has contracted with the Realtor to represent them (signed Buyer Broker Agreement).

If you are not that Realtor's client, you are his customer. Realtor's owe a fiduciary duty to their clients, not their customers.

Example of client and customer:
Sales person at a new home development. While it may seem like they are representing you to buy the home from the builder, that is not the case at all. They are representing the builder. That sales person does not has fiduciary responsibility to you, that's why You Should Never Browse Model Homes Without a Realtor.

A Realtor Fiduciary Responsibility Spelled Out:
  • Care: Realtor is expected to be knowledgeable to represent the seller or buyer in matters related to the real estate transaction.
  • Obedience: Realtor must obey the instructions of the principal.
  • Accountability: Realtor must safeguard any money and documents that are entrusted in our possession during the transaction.
  • Loyalty: This means at all times the client's best interest must be first and foremost. The client's interests are ahead of the Realtor, and their broker's interests.
  • Disclosure: Realtor must disclose all materials facts and defects in any property that is being sold
As you can see a Realtor fiduciary duty to their client is quite extensive. I hope these clarify why you would want a Realtor to represent you in the purchase or sale of your home. If you are my client I have a fiduciary duty to represent your interests before any others, including my own.


Which Mortgage is Right for You?

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The mortgage world can be a confusing place. Every mortgage has variables that determine how much a borrower ends up paying, and technical jargon can make it tough to understand what you're getting into.

Most shoppers simply want a good deal on a loan. Making apples-to-apples comparisons can be difficult, but a little education can go a long way toward landing the right mortgage at a great price.

Bankrate offers many tools to help you find the best mortgage. You can search for top mortgage rates or use an online mortgage calculator to weigh options and compare costs. But before you begin, take a look at the different types of loans available today and who is most likely to benefit from using them.

30-year fixed-rate mortgage
What is it? This mortgage combines a stable fixed interest rate with a long loan term that helps create manageable payments for millions of American families. During the years leading up to the current mortgage crisis, many homebuyers strayed from this time-tested formula in search of exotic loans with lower interest costs. Today, many borrowers are returning to the 30-year fixed-rate fold.

Who is it good for? Borrowers who plan to remain in their homes for a long period of time and/or want the security of knowing their monthly payment will never change.

15-year fixed-rate mortgage
What is it? This mortgage typically offers lower interest rates than its 30-year fixed-rate counterpart because banks don't have to price in as much long-term inflation risk. Borrowers who purchase a 15-year fixed-rate mortgage must pay off the loan more quickly. But they also build equity faster than homeowners with 30-year mortgages.

Who is it good for? Buyers of less expensive homes who hope to avoid a big chunk of interest costs by paying back the mortgage faster. This loan also appeals to homeowners seeking to refinance their mortgages without extending the term back out to 30 years.

30-year jumbo mortgage
What is it? Jumbo mortgage loans are 30-year fixed-rate loans too big to be bought and repackaged by mortgage giants Freddie Mac and Fannie Mae for resale to investors. Banks that issue jumbo mortgages have to hold onto the debt themselves, thus incurring more risk (which is compounded further by the large amount of money at stake).

As a result, jumbo borrowers can expect not only a higher interest rate on their loans, but also more difficulty finding lenders.

Who is it good for? Buyers of large, expensive or midrange homes in areas of the country where housing is more costly.

1-year ARM
What is it? ARM stands for adjustable-rate mortgage. Unlike fixed-rate mortgages, these loans don't have a rate guaranteed to remain stable for the length of the term. Initially, rates on these loans often are significantly lower than rates on fixed-rate loans.

Over time, the interest rate on an ARM (and the resulting payments) adjusts periodically based on a mortgage index such as LIBOR or COFI. In a falling-rate environment, that's a good thing, as it results in lower payments. However, if rates increase, you'll be stuck with higher payments.

Who is it good for? Buyers who do not plan to stay in their homes very long and who are looking for lower borrowing costs. Also, borrowers with enough cushion in their income to cover higher payments should rates increase.

5/1 ARM
What is it? The 5/1 ARM is an adjustable-rate mortgage that has a fixed rate for five years. After that time period, the rate adjusts periodically. Like the 1-year ARM, borrowing costs are tied to a mortgage index such as LIBOR or COFI. Buyers benefit from lower borrowing costs when interest rates fall, but feel the pain of higher payments when rates rise.

Who is it good for? Buyers who intend to sell within five years and are looking to cut down on their mortgage costs. Also, borrowers with enough cushion in their income to cover higher payments should rates increase.

Mortgage indices
What is it? Mortgage indices such as LIBOR (London Interbank Offered Rate) and COFI (11th District Cost of Funds) represent the constantly fluctuating rates lenders pay to borrow money as economic conditions change. Adjustable-rate mortgages are tied to these indices -- mortgage contracts usually set an adjustable rate at LIBOR or COFI, plus a certain number of percentage points called a margin.

Borrowers with ARMs -- especially those whose loans are approaching their reset date -- should keep an eye on these indices to help plan for fluctuations in mortgage payments.

Other types of mortgages
What is it? Over the years, mortgage lenders have devised a variety of home loan products designed to appeal to homebuyers. The interest-only mortgage allows a buyer to purchase a home and pay only the interest, leaving the principal untouched for a fixed period of time.

Balloon mortgages offer lower rates over a period of time before the loan balance comes due. Assumable mortgages can be transferred from a homeowner to a buyer, alleviating the need for a new mortgage to clinch a sale.

Private mortgage insurance
What is it? Private mortgage insurance, or PMI, protects a lender against suffering a loss in the event a buyer defaults on a loan. PMI covers any shortfall between the price the home fetches when resold by the lender and the amount the homeowner owes.

Lenders typically require PMI for loans with an outstanding balance that is 80 percent or more of the home's current market value. Keep in mind that although borrowers pay PMI, the insurance does nothing to protect them; it's strictly for the lender's protection.

Once homeowners reach 20 percent equity, they have the right (under the Homeowner's Protection Act of 1998) to request cancellation of PMI.

via bankrate

Friday, August 10, 2012

5 Cheap Ways to Increase Home Value

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Selling your home this summer? Cheap tweaks can pay off big time. “And even when these don’t equate to big dollars, they may help sell your property faster,” says Adam Hade, an associate broker with Houlihan Lawrence in southeastern New York state.

But choosing which improvements to make is where many homeowners go wrong, according to Hade. “They over-improve or improve in ways that don’t really matter to the buyers in their particular area,” he says.

Exactly the reason you should consult with a qualified realtor in your neighborhood before investing in any improvement projects. They can tell you if buyers are looking for nurseries or extra bedrooms and can actually save you money by preventing well-intended but unnecessary upgrades.

One such superfluous improvement is splurging on high-end kitchen appliances. “While a buyer may appreciate chef-quality ranges or top-of-the-line fixtures, a well-kept lower-price brand will rarely break a deal,” says Hade. “On the other hand, worn carpet, dirty grout and clutter will give the impression that the house is not well-maintained and lacks sufficient storage,” he adds. Details like these make it difficult–and even impossible–for many prospective buyers to envision themselves living there.

A home’s layout is another adjustable feature sellers should take advantage of. Dina Landi of Rebecca Riskin & Associates in Montecito, Calif., suggests reconfiguring your home’s layout to meet market demands. Substituting one room’s use for another is a cheap way to transform a three-bedroom home with a den to a four-bedroom home. Or a home that has a dining room with doors can be reconfigured for use as a main floor master bedroom.

The best way to improve home values on the cheap is to do what needs doing–and nothing more. Here are five smart and simple ways:

Don't Add a Room, Invent One
Main floor master bedrooms, nurseries, and crafting rooms are desirable, but many homes don’t have them. If you have a den, attic, or bonus room, decorate it to look like one of these. Your realtor can tell you what clients in the area are looking for.

Create Multiple Seating Areas
An empty stone terrace becomes an instant second dining room with the addition of patio furniture. Add to that, the furniture emphasizes the size of the space and creates a destination. Hade, the realtor with Houlihan Lawrence, recommends creating spaces like this inside and out.

Fix Right for Your Home Type
Every home has a personality and a function. Buyers seeking a little lakeside cabin aren’t looking for granite countertops. So, don’t add them. Young families aren’t looking for an elaborate master bath. So focus on the yard. The cozy look of a wood interior is what buyers want from a log cabin. So, don’t paint or drywall. Stain the deck, instead.

Get Creative with Cabinetry
This house in Katonah, N.Y., features a gorgeous kitchen renovation. “By painting the cabinets instead of purchasing new ones, the owner was able to create a wonderful space without investing in new cabinetry,” said Hade, who is listing the house. Changing the hardware is another way to update cabinetry without buying new.

Group Potted Plants
Set at a front entry, three large terra-cotta pots filled with colorful blooms create instant curb appeal. So, why landscape? Lining the perimeter of a deck or terrace with potted annuals enhances those spaces as well. Selling in winter? Fill the pots with seasonal foliage, such as holly branches or pine boughs.

via yahoo homes

Thursday, August 9, 2012

Gilbert July 2012 Market Statistics

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Median Sold Price in Gilbert (by zipcode) from July 2011 - July 2012
Median Sold Price in Gilbert by zipcode June 2012
*Active Listing
**Price/SQFT
Gilbert
807
$101
85233
121
$99
85234
142
$102
85295
119
$96
85296
136
$97
85297
134
$102
85298
153
$110
* Active Listing as 8/1/12
** Price/SQFT as 8/9/12
source armls. Information is deemed to be reliable, but is not guaranteed

View Homes for Sale in Gilbert
View Homes for Sale in 85233
View Homes for Sale in 85234
View Homes for Sale in 85295
View Homes for Sale in 85296
View Homes for Sale in 85297
View Homes for Sale in 85298
View Bank Owned Listing in Gilbert

Chandler July 2012 Market Statistics

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Median Sold Price in Chandler (by zipcode) from July 2011 - July 2012
Median Sold Price in Chandler by zipcode July 2011 - July 2012
* Active Listing
** Price/SQFT
Chandler
724
$102
85224
125
$96
85225
132
$85
85226
87
$113
85248
60
$114
85249
201
$105
85286
119
$110
* Active Listing as 8/1/12
** Price/SQFT as 8/9/12
source armls. Information is deemed to be reliable, but is not guaranteed
View Homes for Sale in Chandler

Wednesday, August 8, 2012

10 Worst Things to Forget Before a Major Move

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NEW YORK (MainStreet) -- Moving day is a giant logistical hassle before you get to the minutiae. A missed detail just makes it that much worse.

Renting a truck, hiring movers and getting stuff packed up and out of the house are the relatively easy portions of the move. Only when you get second notices forwarded to your new address or the lights cut off as you're packing up the old one do you realize how much the little things add up.

In the interests of saving readers some hassle while they plan to ship out, we contacted the American Moving and Storage Association industry group and asked if there were any common oversights its customers made while planning long or involved moves. The following 10 items are usually the easiest to overlook and the toughest to just shove into a garbage bag with the contents of the junk drawer at the last minutes:

Your local government 
If you don't have a driveway for a moving truck to pull into or a storage container to be dropped in, chances are you need to put it on the street. If that's the case, in some places you're going to need a permit. To get that permit, you're going to need some sort of proof the company you're working with is insured or bonded with the local government. That's the case in Massachusetts, Florida and elsewhere and it can really put a crimp in your moving plans if you don't check first and your belongings end up in the impound lot.

Your hidden belongings 
It seems pretty obvious, but taking another few sweeps around the house can help you avoid leaving grandma's china to the new tenants or going without holiday decorations for a season or so. AMSA spokesman John Bisey says the easiest items to forget are usually those tucked away in crawlspaces, attics and built-in cabinets. If there's a spot in your house or apartment that's out of sight, chances are that's where your last box full of stuff is coming from.

Your items on loan 
Wondering where your reciprocating saw or popcorn maker got off to? Check in with the neighbors. The AMSA says items lent to neighbors, family or friends tend to cause customers the greatest headaches once they realize they're gone. Take some quick inventory and make some rounds at the going-away party.

Your sleeping arrangements 
So you've packed up the truck or container and are ready to take off in the morning. That's great, but where are you going to sleep tonight? The first night at the new destination isn't that big of a problem, as you'll get to your bed eventually, but the last night after the big load-up can be a bit tough if you don't pack the bed last or stay with someone else for the evening.

Your records 
It's a lot easier to do things electronically these days, but that's not always the case with medical, dental or school records. Sometimes it's just easier to keep these things on hand, so try to get copies from everyone as soon as you're ready to pack them up. Once you have them, keep them all in the same place so they're easy to refer to once you're setting up your new home.

Your heat and lights 
If you don't turn the electricity, gas or oil heat on, nobody's going to do it for you. The AMSA advises turning off all of the utilities two to three days after you load out and turning them on at the new place two to three days before you move in. It's not great to get a bill for lights someone else is using forwarded to the address you're already being charged for. Speaking of forwarding ...

Your mail 
Oh yeah, you're going to want to check in with the U.S. Postal Service and make sure it knows you're leaving. It'll only forward mail to your new address if you check with it in advance, and even then it's not permanent. Forwarding basically gives you a couple of months to change your mailing address with various institutions yourself. At some point, that yellow forwarding label's going to stop appearing. Just get the service's handy little change of address kit and you should be fine.

Your insurance 
"Be careful when referring to 'insurance,'" Bisey warns. "Very few movers offer true insurance, which is regulated by the states and is offered by an insurance agent."

The best you can get from the movers themselves is valuation protection, which covers only a percentage of what your goods are worth. In May, a federal regulation took effect requiring interstate movers to include the cost of full-value protection in their initial written estimate. This should give consumers some second thoughts about choosing the minimal valuation option, which is only 60 cents per pound.

Your paid labor 
If you tip someone for carrying a tray of food to you, you may want to consider tipping the people who just lugged a dresser up to your fourth-floor walk-up. There's no hard-and-fast rule about this, but if you're not at least offering some water afterward, you have no sense of empathy whatsoever.

"Not sure if people forget to tip or if they just don't think they should," Bisey says. "It's certainly not a requirement or even expected by most movers, but it is appreciated."

Your mess 
Whether there are a few nail holes left in the walls where your family photos once hung or a huge paint spot in the closet from when you knocked over a gallon of Periwinkle Blue, it's usually in your best interest to take care of it immediately. Your security deposit or even a sale could hang in the balance.

"I think the last-minute repairs and/or fix-ups are legit," Bisey says. "Especially when, for example, a large piece of furniture is moved away, revealing a problem with the floor or wall it was hiding."

via The Street

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