HILARIOUS! How to Buy a Bank Owned Home in Real Estate

Pending home sales reach 3-year high Tax credit for first-time homebuyers fuels increase in September

The National Association of Realtors said Monday its seasonally adjusted index of sales agreements rose 6.1 percent from August to 110.1. It was the highest reading since December 2006 and more than 21 percent above a year ago.

Visit msnbc.com for Breaking News, World News, and News about the Economy

Inside The Law: Do You Qualify For HAMP?

Great Video

The housing market is terrible, but this video might just make you laugh…

The housing market is terrible, but this video might just make you laugh… or make you angry. Timothy Geithner is having a little trouble selling his $1.6 Million dollar house in New York.

The Daily Show With Jon Stewart	Mon - Thurs 11p / 10c
Home Crisis Investigation
www.thedailyshow.com
Daily Show Full Episodes Political Humor Healthcare Protests

Exceptional real estate investment in Phoenix, HOW bout that FHA buyer

Phoenix, Arizona is one of the lowest priced housing markets in the West, with exceptional real estate investment opportunities.

But..... How bout that FHA BUYER!!! or shall we call them discouraged qualified buyers.

Not only are we seeing 7-10 offers on every decent low priced REO property, but of those offers about 50% of them are all cash. This has become a problem for the First time FHA buyer, who are constantly losing out to these cash bids.

Trying to sell lender owned homes to FHA buyers can be very frustrating, very time consuming and an extremely long process. Most of the REO listing in the MLS will say they accept FHA financing but when they have other offers for either Cash or Conventional terms it seem like the FHA offer is on the bottom of the pile.

Hopefully as banks release more of their foreclosed properties and the competition lessens as we approach the holidays, sellers will again start looking at FHA buyers. It's a shame that so many will miss out on the $8000 tax credit, lets hope for an extension there.

September & October Gay Arizona

SEPTEMBER 19th SEDONA PRIDE The FIRST annual pride event in the COOL Red Rocks. For more info please go to www.SedonaPride.org

SEPTEMBER 26th CASA GRANDE GAY DAY Through the day and into the Night !! FREE ADMISSION 12 p.m. to 9 p.m. Dave White Park at 2121 N. Thornton Road, Casa Grande. Featuring entertainment such as Geoffrey Paris, Marc Pedraza, Brandi Amorose, Barbra Seville, and Chane Jordan. for more info CentralArizonaRainbowEquality.com

OCTOBER 3-4th RAINBOWS FESTIVAL RainbowsFestival.com

OCTOBER 4th PHOENIX AIDS WALK www.AidsWalkPhoenix.org

OCTOBER 10th TUCSON PRIDE www.Tucsonpride.org

OCTOBER 11th TUCSON AIDSWALK www.aidswalktucson.com

Ben & Jerry's Partners with Freedom to Marry

Hubby Hubby' Ice Cream Flavor

In celebration of the freedom to marry in Vermont officially beginning on September 1, 2009, Vermont-based Ben & Jerry’s is symbolically renaming their iconic flavor ‘Chubby Hubby’ to: Hubby Hubby

In Vermont during the month of September go to your local scoop shop offering delicious Ben & Jerry’s ice cream and ask for the new special Hubby Hubby Sundae and spread the love.

With the launch of ‘Hubby Hubby’, Ben & Jerry’s is partnering with Freedom to Marry to raise awareness about why marriage equality matters and encourage nationwide support for the freedom to marry.

Join Ben & Jerry’s and Freedom to Marry in advancing awareness about marriage equality by taking any or all of these actions:

SHOW YOUR SUPPORT Join us in our work to win marriage equality nationwide by signing the marriage resolution:

Presidant Obama Opens up about his Father

Visit msnbc.com for Breaking News, World News, and News about the Economy

Phoenix homeowners that need to stop foreclosure... SHORT SALE

Phoenix homeowners that need to stop foreclosure
Attention Phoenix homeowners that need to stop foreclosure. Phoenix is ranked in the top 10 of cities with the highest foreclosure rate.

Home values are sinking and owners that are behind on payments with little to no equity and you need a solutions to stop the foreclosure process. Banks are taking back homes in your area and home prices are becoming very competitive. If you are losing equity on a house, you cant make your payments and you dont want a foreclosure on your credit a short sale might be your best option.

AZPrideProperty.com doesn't charge you to do a short sale on your HOME. Keep your money in your pocket.. This is for you if need quick solutions. Homeowners are doing short sales all around the country in order to stop their house from going to foreclosure. If you are a homeowner and your house is for sale but you lack the equity to pay a real estate agent, or pay your loan off you should contact AZPrideProperty.com to stop-foreclosure. Homeowners CALL for information...
Linda Wieczorek 602-391-8246.

The clock is ticking toward the expiration date on the special $8,000

The clock is ticking toward the expiration date on the special $8,000 new home buyer credit currently offered as part of the government’s emergency economic stimulus legislation. Lets hope the provision is amended or renewed, you only have until the end of November to completely finalize their purchases of your New Home.

Keep in mind that the government and the IRS define first time home buyers in a broader sense. You may still be entitled to the tax perk even if you have already owned a home in your life or have bought and sold dozens of them.

That’s because the official definition of a first time buyer is one who has not owned or co-owned their principle residence during the past three consecutive years.

The time it takes typically to get from point a to point b is about 30 to 45 days. And that is only if they are buying a home that is not a short sale.

So contact Linda Wieczorek, lesbian real estate agents your real estate marketplace for the LGBT community.

Your Phoenix Gay Real Estate Agent Linda Wieczorek

Your Phoenix Gay Real Estate Agent

Whether you are buying, selling or
building a property, Linda Wieczorek, your Phoenix gay agent at AZPrideProperty.com
can provide expert guidance throughout your Phoenix Metro Area real estate transaction.

As a gay agent, feel rest assured that I can handle your transaction and completely understand alternative lifestyle relationships! Find out what properties are
available or what are some great Phoenix gay businesses and organizations. Take a look at the information and please contact me with any questions!
Linda Wieczorek 602-391-8246 AZhomes4u@gmail.com


I will answer your questions and get you ready for your move!

It’s a Jungle – Being a Buyer in this Market - "feeding frenzy"

For Buyer's who are trying to make sense of today's crazy real estate market.
IT'S A JUNGLE OUT THERE! a "feeding frenzy" and the survivors only reap the profits. With multiple offers, contract acceptance times running anywhere from a few days to months, appraisals not coming in and with the loan programs changing almost daily. This is a market where only the well thought out plan will survive. FHA Buyers mine as well wrestle an alligator. The Feeding frenzy is here and has been here,with the majority of homes available being short sales, all with multiple offers over asking, what's a buyer to do? Especially at the lower end of our market There is no room for slow decision makers, or indecisiveness if you want a home.

With all of that said, it doesn’t mean that it’s a bad time to buy,it's a GREAT time to buy, interest rates are low and the market is affordable more then ever.The reality is, there are still a lot more short sales and foreclosures and the banks are not really making the effort to make the process any easier, which is why the market, for many, is so complicated.

Now more than ever it is important to have a Realtor you can trust, one that has your best interests at heart, an alligator wrestler, a CNE Certified Negotiation EXPERT.
Give me a call Linda 602-391-8246

What is Home Path Financing

With the number of REO properties increasing, I’m being asked more often about HomePath financing. HomePath financing is available for Fannie Mae REO’s with the HomePath logo found on HomePath.com. I’ve personally noticed a significant increase in questions about this financing so I thought I would cover the basics. First, there are two types: a Home Path Mortgage and a Home Path Renovation Mortgage. The difference being, the Home Path Renovation Mortgage will allow minor fixes to the property.

Here is a quick synopsis of the Home Path Mortgage:

Minimum 3% down for primary residence, 10% down investment property
Borrower can own up to 10 financed properties (but need 25% down if they own more than 4)
NO APPRAISAL NEEDED
NO MORTGAGE INSURANCE
High balance (jumbo) and interest only products available
Seller contributions can be 6-9% on primary residence (the larger the down payment, the larger the allowable contribution), only 2% on investment property
This loan does price with a higher rate than your average 30 year fixed conforming loan. If you want an equivalent rate to the going 30 year fixed, this loan would price with an additional approx 1% to 3.75% discount points. Keep in mind, much of this can be covered by the seller and there is no mortgage insurance. Of course one can just opt for the higher rate in lieu of the discount points.
Same basic underwriting requirements of a conforming loan, but without the property issues (appliances missing - no problem)
The HomePath Renovation Mortgage is currently only offered by 3 lenders nationwide. This will allow for light renovations to the property that can be included into the loan. Information about this specific product is scarce. In general, renovation and construction type of products work like this:

An appraisal is done “subject to” the completion of the repairs. The value will typically be the appraised value or the cost of the house plus renovations, whichever is lower. The down payment is based on this value (hence, most of the renovation work gets financed into the loan).
The loan closes and the repairs are completed by a licensed contractor within a specified amount of time
There is more involved with these types of loans, such as: bids, inspections, draw schedules, etc.
The interest rate is typically higher than your general conforming 30 year fixed
Overall, the Home Path Mortgage is a great loan. I can’t attest to the Home Path Renovation Mortgage but I’m sure it’s great loan as well. If you are “handy” and can do most of the work yourself, you may consider the Home Path Mortgage. When a lender is going to finance renovation work, they will require the work to be completed by a licensed contractor so this sometimes may not work for the “do-it-yourself er”.

6 Historic Willo Homes - Downtown Phoenix

Willo Neighborhood History
Nestled in the very heart of urban Phoenix, Willo was once the epitome of suburbia - a collection of subdivisions on the outskirts of the small, but thriving metropolis of Phoenix. The Willo neighborhood between 7th and Central Avenues can be divided into two sections. J. P. Holcomb used a Homestead Patent in 1878 to acquire and settle the southern portion of Willo between Encanto Blvd. and McDowell. Mr. Holcomb acquired the northern portion, between Thomas Rd. and Encanto Blvd. in 1886 through a Timber Culture Land Patent.

For the next 20 years or so, the land was primarily for agricultural purposes and lay on the outskirts of town. In the early 1900's, four subdivisions were platted, containing home sites with long narrow lots. In the early 1920s, Home Builders, a residential construction firm, built 41 homes in the Bungalow style. During the mid to late 1920s Phoenix, like the rest of the West, experienced tremendous growth and a building boom.

Standards were set for residential construction, and "exhibition houses" (now called model homes) were developed to market the new construction. Most of the building activity in Willo during this period occurred in the N. Kenilworth and Broadmoor subdivisions, and included a "Spanish Rancho Home" exhibition house.

During the 1930's the Period Revival movement brought tremendous variety in architectural styles, including Tudor Revival, Greek Revival, American Colonial Revival, Spanish Colonial Revival and Pueblo Revival. However, the Depression brought construction to a near standstill. The mid to late 1930s and the development of the Federal Housing Administration (FHA) brought construction back to Willo. Construction from this period and later years often featured French Provincial and Monterey styles, with an architectural design that would eventually become what we know today as the Ranch Style house. Construction was also more standardized due to the influence of the FHA and other government-imposed standards. Most of these newer homes are found in the northern section of Willo.

In all, 22 separate subdivisions were platted and developed in Willo by various entrepreneurs from the turn of the century up to the beginning of WWII. Eventually, with the growth of Phoenix over the last century, the individual subdivisions platted by early developers were forgotten and the area blended into one cohesive whole. Unfortunately, the amazing growth of the city resulted in the encroachment of commercial development on what were once quiet suburbs. In the 1980s, residents of Willo successfully lobbied for status as a special conservation district, achieving historic status and assuring that this beautiful part of Phoenix history will be preserved for the enjoyment of future generations.

For Information on Historic Willo Downtown Phoenix Call Linda 602-391-8246

Phoenix Condo and Loft Homebuyer's Guide

Find out if these urban abodes are right for you to buy, live in.

If you're looking for amenities, attractive prices and a low-maintenance lifestyle in the city, a condo or loft may be right for you, Phoenix Condo's & Lofts

A condo is generally an individual unit in a larger building or structure that was built as housing. A typical condo complex may look like an apartment building, but each unit is (owned), not rented. A homeowners association (HOA) governs the condo community, collects dues and maintains the common areas.

A loft is a living space carved out of a building that wasn't built as a living unit. Many lofts are built out of converted warehouses or old factory buildings in a city's urban center, making them an appealing alternative for professionals who work downtown. Lofts typically do not have interior walls, have more open space and higher ceilings than other homes, and require minimal maintenance. Loft developers will sell them as move-in-ready units or as empty "shells" for buyers interested in designing the space themselves. An HOA also governs the loft building.

"There's an interesting phenomenon happening today in Phoenix urban centers. People are moving back into the cities. "They're realizing it's much more cost-effective to live and work in the city center."

If you're considering buying a condo or loft, follow these six steps to guide you through the process.

•Step 1: Weigh the Pros and Cons
The condo lifestyle can be an attractive choice for a variety of buyers, such as families who like to be near parks and schools or the empty-Nester looking to downsize. Advantages of living in a condo or loft building include:

•Sense of safety;
•Minimal exterior maintenance;
•Convenience;
•Sense of community;
•Resort like amenities, such as concierge service, pools, fitness facilities, tennis courts, roof deck with views and valet service.
But expect to sacrifice some freedom.

"It can be a bigger process to get approval for renovations, and sometimes personal hobbies and entertaining may be curtailed, depending on building rules.

•Step 2: Find a Real Estate Agent Who Knows the Market (Linda Wieczorek 602-391-8246)
A knowledgeable real estate agent can help in your property search and is especially key if you're a first-time buyer. Most people who are buying condos are entry-level buyers. It's important for these buyers to find someone who has a lot of experience with condos and lofts and who can explain the process well. Transactions usually go sour when the buyer isn't aware of how the process works.

•Step 3: Know What to Look For
•How many units are owner-occupied?
"If a large percentage are owned by investors as second homes or rented out, it can have a negative effect on the value of your property.

•How is the building maintained?
"When you buy a condo, you own the common areas," she says. "Badly maintained common areas can be a red flag that perhaps the homeowners association is not running the building as well as it should."

•Is there an application process?
Sawyer says in Manhattan this step is becoming more common because it protects the owners by making sure others are financially qualified to live in the building.

•Who is the developer/builder?
Check reputations and other developments. "Remember, you are in essence buying a building.

•Step 4: Get to Know the HOA
Before you buy a condo or loft and join the HOA:

•Find out what the monthly dues are and if an automatic debit system is available;
•Ask for a copy of the HOA's covenants, conditions and restrictions (CC&Rs) as these rules can limit improvements or alterations you can make to how many pets you can have;
•Ask for a copy of the HOA by laws, which dictate in fine detail how the association should operate;
•Ask about any special assessments that were made in the past three years;
•Meet the HOA president and ask any questions you may have about the community;
•Find out when and where meetings are held;
•Ask for a copy of the latest budget and meeting minutes. Review them to see how dues are being spent.

•Step 5: Consider Insurance
With a single-family property, a homeowner must insure the building, its contents and even the land and landscaping. With condos and lofts, the HOA collects monthly dues from members that cover the cost of insuring the building.

Even though the building is insured, condo and loft owners should buy policies to cover their belongings inside the building."It's highly recommended that buyers also purchase a separate homeowner policy to insure the contents of the home, similar to renter's insurance," says Leslie Williamson, executive vice president of The Condo Store, a nationwide real estate service specializing in sales of condos and lofts.

•Step 6: Do the Research
Before you sign on the dotted line, make sure you find out the nitty-gritty on the community you're considering. Dig into the HOA's books, ask neighbors about their experiences and talk to the real estate agent on-site to see if it's a good fit for you.

Don't forget to research the community's management system. Is it managed by a small, local firm? Or is it a large company that manages several properties in the city or region? What is the grievance procedure? Who is the on-site manager and how well does he or she respond to day-to-day issues?

Anderson Cooper Addresses Obama’s Broken LGBT Promises

I think it is way too early to say Obama has abandoed the LGBT community. Look at what has been on his plate and honestly gay marriage or Don’t Ask Don’t Tell is not on his top plate with the economic crisis he inherited.

What is an FHA Mortgage ?

Found this great info on FHA Mortgage. Almost every one I work with wants to know about FHA Mortgage. SO, What is an FHA Mortgage ?


FHA Mortgage Calculator
How Much Can I Afford?

Single Family
FHA Insured Mortgage Programs

Why Hiring a Real Estate Professional Works in Your Favor

Whether you're buying, or selling real estate, it is beneficial on a personal level and in a financial capacity that you consider hiring a realtor.

Hiring a real estate professional when buying or selling a home, especially in an uncertain economic climate, means that you can take advantage of their market knowledge, researching skills, and their comparative pricing analytics, as well as their negotiating skills, so that you get the best possible deal.


In today's world of realty where real estate transactions are becoming more complex and negotiations are becoming more aggressive, it is vital for home buyers and sellers have professional representation, otherwise they risk the ability to secure future investment opportunities.

When you search for a realtor consider these aspects:

1) Local Knowledge - look for a realtor that is familiar with your neighborhood, as they will have valuable insight into the region, possible opportunities for growth and what suburbs represent the best value in terms of investment appreciation.

2) Experience - the more experience your realtor has, the better, because they will be experts at negotiation, and be able to offer you sound advice.

3) Communication - a realtor with little or no communication skills is not a good choice. Find a realtor who you can talk to, and one that you actually enjoy being around, because you will spend a fair bit of time with them discussing your wants and needs.

Linda Wieczorek your Phoenix Realtor AZPrideProperty.Com

Article Source: Krueger, Michelle (2009) Local Experts Find Success in Today's Challenging Real Estate Market

Willo Historical Neighborhood - Great Buys

interested in viewing any of these Amazing Homes Call Linda 602-391-8246

1st time Home Buyers- Time to BUY!!!

Get Moving!! With interest reates down to the lowest rates in yrs and home prices down. Then you throw an $8,000 tax credit. What are you waiting for.

Home purchase must close by December 1 - NOT December 31!
It’s not too soon to start moving on this! Your home needs to be under contact by October at the latest.
You should start shopping NOW ! September at the very latest but. By September the available inventory of homes for sale will be picked over - the best homes will be long gone.

The law defines “first-time home buyer” as a buyer who has not owned a principal residence during the three-year period prior to the purchase.\

First Time Home Buyers Need to Purchase Now to Qualify for Tax Credit

Federal Tax Credit for First Time Home Buyers is Contingent on Closing Home Sale by November 30th.

Time is running out for home buyers looking to purchase their first home and qualify for the $8,000 Federal tax credit. According to the National Association of Home Builders (NAHB) first time home buyers looking to purchase a new home in 2009 and take advantage of the $8,000 first time home buyer tax credit, should do so immediately in order to qualify. The Federal tax credit is contingent upon closing the home sale prior to the November 30th deadline. full story..

Staging on a Budget

Was reading Realtor Magazine and found these Great Ideas on home staging I wanted to share.

REALTOR® Magazine asked readers of our Daily Real Estate News e-mail to send in their best tips for sprucing up listings on the cheap. Here are some of the quick, creative ideas that poured into our inbox.

Ideas for:

•Living Room
•Bedroom
•Bathroom
•Color and Lighting
•Kitchen
•De-cluttering
•Exteriors
•Special Touches

LIVING ROOMS

Create a Focal Point

"Pick out the most visible corner and put a large plant—I've found that silk trees work best. Set up a spotlight behind it so it lights up the leaves and throws an interesting shadow on another wall. It really makes a difference in a person's perception of the space, especially if it's a large room without too much natural lighting."

—Izabela Stone, Keller Williams Realty, Apollo Beach, Fla.


Set Up a Chat Room

"Be sure that the living room furniture is positioned for conversation as well as entertainment. Potential buyers should be able to easily envision sitting in a space where they can easily talk without having to move a chair or turn completely around."

—Rana Lindhorst and Troy Schmidt, Prudential One Realty Centre, Edwardsville, Ill.


Get Rid of Carpet Dents

"Furniture often leaves indentations in the carpet. When a piece of furniture is moved, I tell my clients to put medium-sized ice cubes in the imprints. As the ice melts, it causes the compacted carpet to expand and erase those imprints."

—Shawn Moss, Century 21 C.R. O'Neil & Co.


Accent Special Features

"Place an accent by a home's feature, such as an attractive plant near a fireplace to draw the eye to it or a tall palm or two in place that directs the buyer toward another part of the home or suggests a separation of areas. This also ensures that someone often enters the home to care for it."

—Susan Cramer, HomeSmart Real Estate, Temecula, Calif.


Invoke the Outdoors

"Use a little nature in each room. I create a flow throughout the home using cuttings, flowers, dried flowers, whatever will work. Simple things, such as twigs to spell out a word or a small cutting tied with raffia around a pillow on a bed, draw the eye into the room but don't overpower it. I have even used a branch cutting to make a 'tree' in an empty corner. I try to use one piece of nature in each room to create an ongoing theme throughout the home. It works with any type of decor, whether it's modern or traditional. One important note: Always check for insects!"

—Lauren Scurlock, North Star Real Estate Inc., Virginia Beach, Va.

and of course here is mine, Linda Wieczorek Arizona Elite Properties., Phoenix AZ

Outdoor Space Takes Centre Stage in Phoenix AZ

Playing up the outdoor space can increase the use able square footage as well as highlighting a lifestyle, when I am out showing property it's is the out door living that wows me and most of my clients.

1st When a client drives up to your home, you want them to feel invited, to feel excited to view the inside of your home,and that happens by having a clean front yard.. Add a few flower pots,a door mat, hose the front sidewalk, get rid of the weeds, hose the house off, it gives the front of the home a fresh look. Just a little elbow grease goes a long way.

Personalize your outdoor living space with items such as: Yard art (fountains. unique walking stones, stakes, sculptures, wind chimes, weather vanes, flags and colorful windsocks. Use trellis and garden arbors or Stepping-stones to break up and to connect other areas of the space. Welcome birds by utilizing birdhouses and decorative feeders. Don’t forget to use colorful plants in the ground, pots, railings, window boxes, and/or hanging baskets.

Evening lighting will always add interest and drama so use candles throughout your seating space and string lights to accent an arbor, railing, umbrella, or put them in your trees for light and sparkle. There are solar lights that can be used as a floodlight to highlight trees or garden statuary or fountain. Also use solar lighting to line a walking path, pathways, around gardens, railings and window boxes. These are inexpensive and free to operate. A little goes a long way.

Fireplaces help to warm the space in many ways and are available in many different styles, from built-ins to small mobile types. These help to extend your comfort into the evening hours and add a lot of ambiance.

Stunning Beauty in "Gay Friendly Willo Neighborhood in Phoenix"

For information on the Gay Friendly Neighborhood in Phoenix give me a jingle 602-391-8246 or E-mail Linda Wieczorek

Featured properties on this web site may not necessarly be listed by Linda Wieczorek. They represent homes Linda Wieczorek has previewed and selected for her Fine Homes of Phoenix buying clients and visitors to AZPrideProperty.com

Gay and Lesbian Retirement

Many gays and lesbians reject the traditional retirement community lifestyle. After years of living freely, they don’t want to move back into the closet. So make way for the following alternatives:

Marigold Creek which is a new retirement community for gays, lesbians and their family and friends. Marigold Creek is located In Surprise, Arizona, which is 30 minutes from Phoenix. Close to Sun City West on Phoenix’s rapidly growing west valley. Marigold Creek is a welcoming and "straight-friendly" community.




1. They offer the choices of 2 or 3 bedroom Single Family Homes or Patio Homes with Casitas available for an additional charge.

2. They offer 1 to 3 bedroom Condos, all of these in a “Contemporary Southwestern” design.

3. The property is owned by Out Properties and is a gay-owned and operated
Realetate development company with many years of experience in building luxurious, lifestyle properties.

4. A Green Community, and pet friendly community complete with a dog run and bath area.

5. Marigold Creek is specifically designed to cater to the wishes of the “gayby boomer” generation.

6. Walking Trails - Persuades you to “break a sweat” with the breath-taking beauty that surround you.

7. Coffee Kiosk - serves fine coffees, teas and other beverages in a cozy gathering place.

8. Travel Club - Coordinates trips to exciting destinations for you, your loved ones and neighbors who share your love for seeing new places and faces.
Activities Director - Plans enjoyable outings and programs that suit your active lifestyle.

9. Gated Entrance - Contributes to the safe, secure and full-acceptance atmosphere that makes Marigold Creek such a unique place.
10. Poolside Bar and Grill - Features delicious snacks and refreshing beverages so you can make the most of your time in the sun.

11. Daytime Spa and Salon - Provides the finest relaxation and beauty treatments without ever leaving the comfort of Marigold Creek.

12. Concierge Service - Supports the entire living experience, from securing tickets to area events to helping you find the best dry cleaning services in the area.

13. Fitness Center - Features state-of-the-art equipment in the ideal environment for staying fit.

14. Spiritual Center - Provides a relaxing and meditative space for residents of all faiths and devotions.

15. Theatre & Cabaret - And we love the theatre, Engages the community with live entertainment and movies. Showcases the residents with the Annual Talent Show!

How do I secure a home at Marigold Creek or view the community?
Contact Linda Wieczorek, 602-391-8246 or e-mail me.

Rainbow Vision has developed gay and lesbian retirement communities in Santa Fe, New Mexico and Palm Springs, California.
Currently under development, Paradise One Condominiums is part retirement community and part upscale condominium, “a progressive community that is as Straight-Friendly as it is Gay Friendly.”
Stonewall Communities’ vision is to develop and offer a range of options for older GLBT people. Stonewall Audubon Circle, currently under development, will be open to anyone regardless of race, colour, national origin, religion, familial status, age, handicap, gender, sexual orientation, gender identity or gender expression.
The Resort on Carefree Boulevard bills itself as Southwest Florida’s premier lesbian destination, with a mixture of full-time and holiday residents ranging in age from 40 to 85 years, both working and retired.
Despite its name, Finnish Mummolaakso (’Grandma Valley’) is a solidarity group open to women of all ages, with most members aged between 30 and 60. The organisation aims to provide healthcare and terminal care for lesbians and bisexual women, with the ultimate aim of providing retirement housing services, too.
F
For information and any of these communities contact Linda Wieczorek

First Time Home Buyers & Investors... Now is the time to buy in Phoenix

Things have changed in the Phoenix market in the last month, it is NOW time to buy. All you first time buyers who've been on the fence, there are some Great Homes out there just waiting for you. The interest rates are down and plentty of inventory. I have been working with investors who are busy building their real estate portfolios. it is time for you.

Several market indicators suggest the Greater Phoenix market is rebounding, primarily in the under $200,000 price range. This is not to say prices are going to go up soon... that would be wishful thinking and I'd be stupid to suggest it. However, prices in the under $200,000 market are stabilizing and that market is pretty darn hot right now.

To sum things up, if your thinking about that first home, investment property or just getting back into home ownership in the under $200,000 range you may want to move forward. At the top-right portion of my Blog there is a sweet home search tool. We invite you to take a look, dream a bit and maybe you'll find something that really excites and surprises you.

Have a great weekend. If you have any questions, we're here for you. We love to help first time home buyers and investors have the real estate experience of their life.

Contact Linda NOW

The city of Phoenix has kicked off their first Neighborhood Stabilization Program

To find out if you are eligible for federal money to help purchase an Arizona foreclosure home, go to yourwayhomeaz.com.
The new site lists information on the state's neighborhood stabilization programs, which target areas hardest hit by foreclosures.

Most of the programs offer down-payment money to home buyers.

The programs are funded by the $121 million that the state, Maricopa and Pima counties, six Valley cities and Tucson recently received from the U.S. Department of Housing and Urban Development.

Home buyers can qualify for money from more than one program in some communities. The money must be spent before 2011.

"Homeownership Assistance" assisting buyers of foreclosed homes, townhouses or condominiums with $15,000 in down payment and closing cost assistance. Why not give it a try!!!

If you are interested in finding out how to purchase a foreclosed property using this program Call Linda at 602-391-8246 or send me an e-mail.

Guide to Gay old Phoenix

The Valley's lesbian and gay community is large and thriving, especially in the area of downtown Phoenix. With more than 30 gay bars - more per capita than anywhere in the United States - a growing number of gay-friendly churches, heavily gay residential neighborhoods and plenty of resources and publications that cater to the lesbian and gay demographic, the Valley offers a positive environment to live and work.

There's gay-specific bowling (International Gay Bowling Organization [igbo.org], gay square dancing (Desert Valley Squares [www.iagsdc.org/desertvalleysqs]) and gay hiking and camping (Desert Adventures [www.desertadventures.org].


Gay-borhoods and business

Most of downtown Phoenix's historic neighborhoods, especially Coronado, Encanto and Willow, have a heavy gay and lesbian presence. The Greater Phoenix Gay & Lesbian Chamber of Commerce reported in 2004 that the ZIP code with the highest gay population is 85013, the area fanning out from Central Avenue and Camelback Road. The gay-owned Clarendon Hotel+Suites, incidentally, is in the 85013 ZIP.

Unique on Central (4700 N. Central Ave.; 602-279-9691; www.uniqueoncentral.com) sells gay and lesbian paraphernalia - videos, jewelry and adult items.

As for the arts, Stray Cat Theatre and Nearly Naked Theatre produce quite a bit of gay fare but are not specifically gay, while The Alternative Theatre Company (www.thealternativetheatreco.com) produces exclusively gay works and bills itself as the state's "only gay and lesbian theater company."

Bars and Restaurants

Nightclubs of every genre exist in the Phoenix area. Here's a sampling:

Cash Inn Country
2140 E. McDowell Rd., Phoenix
(602) 244-9943
www.cashinncountry.com
Country dance bar.

Charlie's
77 W. Camelback Rd., Phoenix
(602) 265-0224
www.charliesphoenix.com
Twenty years old and always hoppin', filled with fresh-faced cowboy types.

Phoenix La Roca Bar
4129 N. 7th Ave., Phoenix
(602) 248-8559
www.phoenixlaroca.com
The only gay hookah bar in town.

A League of Our Own
40 E. Camelback Rd., St. 102
(602) 252-2354
Supper club with live jazz, sometimes performed by the always fabulous Margo Reed.

Club Vibe
3031 East Indian School Rd.
(602) 224-9977
www.clubvibe602.com
Lesbian bar formerly known as "Ain't Nobody's Bizness."

Amsterdam
718 N. Central Ave.
(602) 258-6122
www.amsterdambar.com
Upscale martini bar.

BS
7125 E. 5th Ave., Scottsdale
(480) 945-9028
Casual sports bar with lots of regulars and THE place to be on Halloween.

Pat O's Bunkhouse Saloon
4428 North 7th Ave., Phoenix
(602) 200-9154
www.bunkhousesaloon.com
$1 drinks on Thursday nights for men in their underwear.

Pumphouse II
4132 E. McDowell Rd., Phoenix
(602) 275-3509
www.pumphouseii.com
Karaoke and drag shows, no pretension.

Roscoe's
4531 N. 7th St., Phoenix
(602) 285-0833
www.roscoeson7.com
Lively sports bar.

Wild Card
801 N. Arizona Ave., Chandler
(480) 857-3088
The east Valley's only lesbian bar.

Gay-friendly churches

Within the past decade, more and more churches are becoming "affirming," meaning that they incorporate into their mission the concept that all worshippers, regardless of xx or sexual orientation, are welcome. The United Church of Christ is, as a whole, is known for being gay-supportive, as are the Unitarian Universalists. The clergy group No Longer Silent (nolongersilent.org) is made up of representatives from two prominent "gay churches," Community Church of Hope and Gentle Shepard (www.gsmcc.org), and offers support to gays and lesbians.

Here are some welcoming churches, plus a motto or a bit about the philosophy of each:

Trinity Episcopal Cathedral
100 W. Roosevelt, Phoenix
(602) 254-7126
www.trinitycathedral.com
"Radical hospitality, radical equality, radical love."

Grace Lutheran
1124 N. 3rd St., Phoenix
(602) 258-3787
www.graceinthecity.com
Known as "The Pancake Church" for its pancake-breakfast outreach to the homeless.

Valley Unitarian Universalist Church
6400 W. Del Rio St., Chandler
(480) 899-4249
www.vuu.org
"A welcoming community that honors diversity in all its forms."

Olive Tree Christian Fellowship at Palo Cristi Presbyterian
3535 E. Lincoln Dr., Paradise Valley
(602) 955-6080
www.palocristipres.org
"We welcome and encourage all people to join us in knowing Jesus Christ and learning about our faith."

Asbury United Methodist
1601 W. Indian School Rd., Phoenix
(602) 279-2369
www.aplaceforallpeople.com
"A place for all people to become disciples of Jesus Christ."

Casa de Cristo Evangelical Church
1029 E. Turney Ave., Phoenix
(602) 265-2831
www.casadecristo.org
"Christ-centered, Bible-based, spirit-filled, open and affirming."

Christ of the Desert Catholic of the Antioch at Faith Evangelical Lutheran Church
801 E. Camelback Rd., Phoenix
"We welcome all to our altars regardless of race, gender, marital or economic status, sexual orientation or denominational affiliation."

Community Church of Hope
4121 N. 7th Ave., Phoenix
(602) 234-2180
www.communitychurchofhope.com
"A diverse group of people who are God-centered and Christ-driven, seeking to provide God's hope and love to all."

Scottsdale Congregational United Church of Christ
4425 North Granite Reef Road
Scottsdale, Arizona 85251
(480) 946-2900
www.scucc.com
"An open and Affirming community of Christians who gladly welcome into our midst any person who seeks Christian fellowship regardless of race, age, gender or sexual orientation."

Via de Cristo United Methodist Church
20199 N. 78th Place, Scottsdale
(480) 515-4490
www.viadecristo.com
"Open hearts, open minds, open doors"

Healing Waters Ministries
225 West University Drive, Suite 105, Tempe
(480) 894-8681
www.hwmaz.com
"A Non-Denominational Christian church for lesbians, gays, bisexuals, transgenders and heterosexuals."

Resources and publications

• OutlookAz Magazine (www.outlook-mag.com) is the Valley's premiere gay publication. The magazine says it is "edgy, upscale" and "offers a clever mix of lifestyle elements targeted to the sophisticated reader."

• Echo Magazine (www.echomag.com) is a well-respected gay-centric news magazine that has been around since 1990 and focuses less on nightlife than issues.

• The Greater Phoenix Gay and Lesbian Chamber of Commerce (www.gpglcc.org) is a non-profit that focuses on networking within the Valley.

• For entertainment and events, check out www.visitgayarizona.com, www.gayarizona.org and www.funmaps.com.

Events

The pre-eminent lesbian and gay event in the state is the Arizona Pride Festival, also known as the "Party in the Park." Held the second weekend of April each year at Phoenix's Steele Park, it has drawn close to 20,000 people in recent years. (www.azpride.org)

Other annual events include the following:

• OutFar Lesbian & Gay Film Festival, February (outfar.org)

• Road Runner Regional Rodeo and the Sierra Stampede in Sierra Vista, January.

• Rainbows Festival, October in Phoenix's Heritage Park. (rainbowsfestival.com).

• AIDS Walk Arizona, November. By Carrie Miner

Welcome to the Gayborhood

Welcome to the "Valley of the Sun" - Gay Phoenix and Scottsdale

Phoenix and Scottsdale sit in the heart of a valley which enjoys 325 sunny days a year and is aptly named "The Valley of the Sun". The temperatures here are warm year round and the summers bring many days over 100 degrees . Phoenix, probably due to its warmth, has a laid back small town feel. But don't let that stop you -- it has a thriving gay community and there's a growing variety of dining and nightlife options for all types here. Gay nightlife and the bars & clubs are mostly concentrated in central Phoenix between 7th Ave and 7th Street and Indian School and Camelback ..

ARIZONA REGIONAL MULTIPLE LISTING SERVICE, INC. HOME SALES / per Month

View the number of Residential (Class 1) listings added monthly or view sales activity charted by Average List/Sales Price and Median List/Sales Price. These charts cover years 2001 - 2009. Home Sales and Home Listings.

A Great 'How-To' Website

Hello. We're happy to be able to share more information with you that we think you may find interesting. Have you heard of the web site that provides step-by-step how-to information for thousands of common projects, from how to replace a leaky faucet to how to plan a dinner party? It's How-To' Website

We enjoy being able to share Internet sites that we think may be useful to our clients. It's one of the ways we say that we care about you and your family. Of course, we have a whole lot more information that we can share with you. We just need to know your needs and goals. We find that the better prepared our clients are in advance of the actual purchase or sale of a home, the less anxiety they tend to experience.

Don't think you are bothering us with your questions, either. That's what we're here for. You want someone you can trust with a decision of this size. That's why we encourage you to call or e-mail us, so that we can get to know each other.

Whatever your real estate needs, we look forward to the chance of working with you.
Feel Free to Contact me at any time with any real estate questions.

Scottsdale Arizona Foreclosures

Goodyear/Avondale Bank Foreclosures

Appealing Your Property Appraisal Phoenix Arizona

After looking at my Property Appraisal for taxes my eyes poped out, the value went up on my home! This was not right.. I know I lost value. It was time to take on the County Assessor ........



HOW TO APPEAL for Phoenix AZ

January 1 is the property valuation date for the following tax year. The County Assessor must mail the Notice of Value card to you no later than March 1. The assessor's opinion of the market value of the property is indicated on the postcard as "Full Cash Value". The assessor's determination of the use of the property is reflected in the legal classification as indicated on the postcard. A.R.S.§§ 42-11001 , 15101,15102 ,15103. and Title 42, Chapter 12, articles 1, 2, 3, and 4. Your Right To Appeal
If you believe the "Full Cash Value" is greater than the market value of the property - or that the legal classification is incorrect - you have two methods of appeal: Administrative or Judicial. A.R.S.§§ 42-15104,16051, 16201.


You may appeal the "Full Cash Value" or legal classification to the County Assessor where your property is located. This is the first step of the Administrative Process. Steps for this process are outlined below. A.R.S.§ 42-16051

OR You may file a petition directly with the Tax Court at any time after receiving the Notice of Value, provided you do not file an administrative appeal - but you must file it no later than December 15. This is the Judicial Process. You are responsible for expenses such as filing fees. A.R.S.§§ 42-16201 , 16202 , 16203 , 16204 , 16205 .

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Administrative Process

Step 1
File a petition with the County Assessor. The filing deadline is printed on the Notice of Value card. You must file your appeal within 60 days after the card was mailed to you. A.R.S.§ 42-16051 D.

Step 2
You may request a meeting with the County Assessor's office - or submit written evidence that supports your appeal. The assessor must consider, decide, and answer all requests on or before August 15. A.R.S.§§ 42-16054 , 16055,

If you reach an agreement, no further appeal is permitted. A.R.S.§ 42-16056.

Step 3
If you do not agree with the assessor's decision, you may file a petition with the Board of Equalization for that county. The petition must be filed within 25 days of the date the assessor's decision was mailed to you. However, you may decide to bypass the Board and appeal directly to the Tax Court within 60 days. A.R.S.§§ 42-16056, 16157, 16201.

Step 4
If you are not satisfied with the Board of Equalization's decision, you may appeal to the Tax Court. Be sure to file your appeal no later than 60 days after the Board of Equalization decision is mailed to you. A.R.S.§§ 16168, 16203 .
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Notice of Change Appeals
Individuals may file an appeal pursuant to A.R.S.§ 15105, supplemental notice of appeal of valuation in case of new construction, additions, deletions, splits, consolidations or change in use. These appeals are filed directly to the Board within 25 days after the the date of the assessor's notice.
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Notice of Proposed Correction and Taxpayer Notice of Claim Appeals
These appeals are for correction of prior tax year records. Property owners may file an appeal to the Assessor pursuant to A.R.S.§42-16252 Assessor Notice of Proposed Correction or A.R.S. §42-16254 Taxpayer Notice of Claim within the time limits specified in the statutes. After the appeal to the County Assessor individuals may file an appeal to the County Board of Equalization or State Board of Equalization. The appeal must be filed on a form DOR82179C Petition for Review of Proposed Correction or DOR82179C-1 Petition For Review of Taxpayer Notice of Claim. File the form along with a copy of the original form DOR82179A Notice of Proposed Correction or form DOR 82179B Taxpayer Notice of Claim. Be sure to include a copy of the Assessor's decision if available. These appeals are filed directly to the Board. If filed electronically, the taxpayer must submit the requested hard copies by mail or in person.
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Electronic Filing/E-Filing
Individuals may file an electronic petition according to the rules above for manual filing, but without having to mail in a form, by filling out an electronic filing via this web site. Make sure you understand the rules and the deadlines and then click here to start an individual e-filing .

Agents filing large amounts of petitions or individuals submitting many tax filings may also talk to the SBOE about sending in a bulk database filing.
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Petitions rejected by the Assessor cannot be e-filed to the Board. When filing a petition that has been rejected by the Assessor, mail or deliver the original filing in addition to attaching the required information to correct the deficiencies. Petitions rejected by the Assessor for the second time must include the original of the second rejection. Petitions rejected by the Assessor after June 15 are filed directly to the Board.

Iowa marriage no longer limited to one man, one woman

WHAT A GREAT DAY TO LIVE IN IOWA...WE WON TODAY!!!!!

The Iowa Supreme Court this morning unanimously upheld gays' right to marry. "The Iowa statute limiting civil marriage to a union between a man and a woman violates the equal protection clause of the... Read More

When the Iowa Supreme Court ruled on Friday that gays can marry in the Hawkeye State, gay marriage became not just a coastal thing. Deep in the rural heartland, a straightforward opinion — written by a justice appointed by a conservative Republican governor — methodically eviscerates one argument after another that for decades has been used to keep marriage the sole preserve of straight couples. "This class of people asks a simple and direct question: How can a state premised on the constitutional principle of equal protection justify exclusion of a class of Iowans from civil marriage?"

Video Link

Top 10 Bargin Markets and Phoenix AZ is #7

Bargain Market #10: Washington, D.C.
is prime for bargain-seeking homebuyers. The area has one of the lowest unemployment rates in the country and boasts bustling nightlife and culture. With home prices down 12.15 percent over the past year, this may be the time to buy in the nation's capital.

Bargain Market #9: Detroit, MI
Home prices have fallen 16.42 percent over the past year in this Midwestern metropolis, as job losses fueled a flood of foreclosures on the market. But Detroit is committed to restoration and revitalization, as evidenced by its mix of historic districts and new developments.

Bargain Market #8: San Diego, CA
With year-round sun, sand and surf, who wouldn't want to live in Southern California's gem, San Diego? Home prices are down 18.03 percent over the past year, so you could find a great deal in this once super-hot market. Plus, it doesn't hurt to be a couple hours' drive from Los Angeles, in case you want to bargain hunt there as well.




Bargain Market #7: Phoenix, AZ
The Valley of the Sun is teeming with potential bargains, with home prices down 18.85percent year-over-year. The Phoenix market was a hotbed of speculative overbuying during the real estate boom, and these days, stretched-thin investors may be willing to negotiate. Homebuyers who can appreciate this rugged Southwest region will find many diverse neighborhoods to choose from. bargin Homes are flying off the market right now..

Bargain Market #6: Napa, CA
Like many vacation destinations, Napa in Northern California saw a surge in speculative buying that inflated real estate prices during the boom. Today, buyers can find homes in beautiful wine country selling for 20.11 percent less than last year. If you're a luxury homebuyer, you may find multi-million-dollar properties offered at steep discounts.

Bargain Market #5: Miami, FL
The heat is on in Miami. Home prices have come down 24.15 percent over the past year, meaning you won't have to shell out as much to enjoy tropical weather, beautiful beaches and hot nightlife year-round.

Bargain Market #4: Ft. Lauderdale, FL
Shedding its "spring break" reputation, Ft. Lauderdale has redefined itself as a pedestrian-friendly, 24-hour community offering a mix of traditional Old Florida neighborhoods with trendy shopping and nightlife. Prices have fallen 25.95 percent since last year, so if a laid-back yet lively lifestyle is what you crave, start here.

Bargain Market #3: Las Vegas, NV
Gamblers weren't the only ones taking risks in Sin City. Eager developers and investors flocked to Las Vegas looking to cash in big on the real estate boom. The hype is over, and prices have plunged 32.60 percent since last year. The city is consistently among RealtyTrac's list of top foreclosure markets, making this area prime for bargain hunters who want to spice up their lifestyle.

Bargain Market #2: Naples, FL
Florida is going Strong with 3 Ciies on the list. Known for its vibrant art scene and the natural scenery of the nearby Everglades, Naples was another vacation destination that was overrun with real estate investors during the boom years. Prices plummeted 32.87 percent over the past year, offering new opportunities for buyers looking to live the beach-town lifestyle.

Bargain Market #1: Stockton, CA
The inland California cities -- Stockton, Merced, Modesto, Vallejo, Riverside, Bakersfield, Madera and Fresno, to name a few -- have been the hardest hit since the real estate housing bubble burst. Home prices in Stockton plummeted a whopping 40.19 percent last year, dragged down by a barrage of foreclosures on the market.

But Stockton's proximity to both the San Francisco Bay Area and the Sacramento area gives it an advantage over other struggling markets. In the past, Bay Area folks sought affordable housing in Stockton (which changed when the market became inflated). Once prices stabilize, the city will have the potential to return to its "affordable" status.

If you are interested in investing in the Phoenix Real estate market I am committed to assisting real estate investors who would like to take advantage of the booming real estate market and investment opportunities in the Phoenix, Arizona area. Contact Linda Wieczorek

Ingredients of a Great Real Estate Investment

Boost your odds for a successful resale down the road with these four essentials

Think ahead when buying a home. An abode with in-demand features like central air conditioning will be easier to sell down the road.
Whether you're shopping for an investment property, buying a starter home or relocating for your job yet again, your next home likely won't be your last. That's why it pays to go house hunting with your successors in mind. After all, buyers are a demanding bunch, and simple renovations won't always satisfy their stringent criteria. Luckily, you can tip the resale scales in your favor by planning wisely and purchasing a property with these in-demand amenities.

#1: The Hottest Feature
An overwhelming majority of buyers want a cool house, but that doesn't mean you need to scour the listings for basement theaters or zoned audio systems. Take this request literally -- central air conditioning is the most sought-after feature, with nearly three-quarters of buyers ranking it "very important" in a National Association of Realtors survey. And in the sweltering South, that number jumps to 91 percent. Central air is a pricey add-on, especially in a home without a forced-air heating system, so you may want to favor a house that already beats the heat.

#2: Essential Storage
While curb appeal and designer decor can attract potential buyers, what they can't see is just as important -- like, say, an Imelda Marcos-worthy shoe collection or a rusty project car. Call them packrats if you will, but buyers are serious about storage space. Fifty-seven percent say a garage with two or more bays is key, and 53 percent want a walk-in closet in the master bedroom.

#3: Modern Musts
Your next house can be any hue, as long as it's green on the inside. The eco-friendly trend gets high marks from 46 percent of buyers, so try to find a property with energy-efficient features like newer windows, Energy Star appliances and a well-maintained HVAC system. And a growing number of buyers want to stay wired at home -- nearly half say cable and satellite connections are important, while 40 percent want access to high-speed Internet.

#4: Exterior Excellence
When you're shopping for a house, what's on the outside definitely counts. Half of all buyers say a backyard is important, and 36 percent would like a fence for their pups (and their privacy). And you know the real estate cliche about location, location, location? Make it your house-hunting mantra. "Location, you can't change. Everything else, you can," says Pat Vredevoogd Combs, the immediate past president of the National Association of Realtors. Research the local school district before you invest -- even if you don't have kids, the next owner might. And steer clear of high-power lines, highways and airports, which can raise red flags for buyers.

Most importantly, remember that trends can vary widely between states. A two-bedroom may seem teeny in Texas but downright luxurious in Malibu, and an adobe house might have slightly more appeal in Santa Fe than in northern Michigan. "Talk to your Realtor and find out what things are most important in your marketplace," Vredevoogd says. "And always keep resale in mind." You may not be able to check off every item on a prospective buyer's wish list, but the right features can lay the groundwork for a solid investment. By Kara Wahlgren, FrontDoor.com

Domestic Partner Registry

In Phoenix, Arizona a Domestic Partner Registry identifies a relationship that grants visitation rights to a domestic partner in any health-care facility in Phoenix. Medical powers of attorney or advance directives do not guarantee visitation rights to domestic partners who are not family members. Only family members have visitation rights if there is no registered domestic partnership.

Technically, no other rights are conferred by this registry. An additional advantage of registration may be that it could serve as proof to employers who recognize domestic partnerships for benefit purposes.

Although the registry is often thought of as being an accommodation for gay and lesbian couples, there are many heterosexual couples, living together in a committed relationship but not married, who can avail themselves of the registry.

Finally, no one is required to register; it is simply an option. The registry in Phoenix began accepting applicants on February 9, 2009.

Prerequisites for Phoenix Domestic Partner Registry
1.Both partners must reside within the City of Phoenix.
2.Both partners have to be present to register.
3.Both partners must have valid photo ID issued by a government agency within the U.S. that includes name, date of birth, weight, height and hair and eye color.
4.The couple may be same-sex or opposite-sex.
5.Both partners must share a residence in Phoenix.
6.Neither partner may be married to or in a civil union with anyone else.
7.Both partners must be at least 18 years old.
8.Partners may not be blood relatives.
Even if you are already registered in another city or state, you must register again in the City of Phoenix for the purposes of this registry.
When the couple registers, a Declaration of Domestic Partnership must be completed, affirmed and signed by both applicants in the presence of a City Clerk notary. The registered domestic partners each receive a copy of the completed Declaration of Domestic Partnership document with the official City of Phoenix seal.

Either partner may terminate the domestic partnership registration by completing an application available at the City of Phoenix.

There is a non-refundable registration fee. This registry is for the City of Phoenix only. It is not an Arizona registry and other cities within the Greater Phoenix area are not bound by it.

For more information, contact the Phoenix City Clerk Department at 602-262-6811.

Bank Forclosed Property - Goodyear Arizona - Positive CASH FLOW

Phoenix’s $15,000 incentive for home buyers purchasing a bank owned home.

Yes , you can purchase a home and get money for doing...The City of Phoenix is offering this program... This is true but not as easy as it may seem.

The $15,000 is a loan that must be repaid when the home is sold or refinanced. So...yes,you can purchase that home and pay the money back later.

The money only can be used toward down payments and closing costs. The home needs to be within Phoenix city limits, it must be a bank-owned home, the buyer must qualify for the loan according to FHA guidelines and you must take an 8 hour credit counseling class. The home must be more than 15% below appraised value of the home and then there are income restrictions, inspection, and disclosure requirements among other things.

At first I thought it sounded pretty darn good and then I started thinking about it... I am in trouble NOW!!! Thats what I have been doing all year. I have sold all Bank Owned and all were 10%-17% below list price and appraisal .. asking for closing cost no brainier, was no big deal at all..MMMMM

I dont know where I am going with this yet...BUT... If you would like more information about this 15,000 program give me a jingle Linda 602-391-8246
I do need to do a little more research...

NSP Homeownership Fact Sheet

Charming Historic bungalow in Coronado

2322 N EDGEMERE ST Phoenix, AZ 85006
WOW- great starter in Coronaado!!!!


Large remodeled kitchen w/large island overlooking open great room with French doors leading to private patio & yard w/canopy of mesquite trees. Kitchen has upgraded cabinetry,and tons of storage.Close to downtown Phoenix. This property is to be sold AS IS & is lender owned.

Call To view your new home!
Linda Wieczorek
602-391-8246 or email AZhomes4u@gmail.com

Willo Historic Real estate

530 W PALM LN Phoenix, AZ 85003 $334,000


Considered one of the most preferred streets in the Willo District! This not so little house is charming like a cottage, but is almost 1800 square feet. Inviting front porch leads into the living room with beautiful wood floors and a brick fireplace. Formal dining room and large family room with a second fireplace are great for entertaining. The eat in kitchen has a modern feel w/SS appliances and a charming built in wine rack. Bathrooms have been tastefully remodeled, and there are warm designer colors through out the home. French doors lead to the covered travertine patio overlooking the large lawn in the private back yard. Inside Laundry! Two car detached garage with plenty of storage. An awesome value in Willo! Not bank owned or a short sale!

Interested in viewing this HOME? Give a jingle or send me an e-mail.

Linda Wieczorek
602-391-8246
AZhomes4u@gmail.com

Deal in the Willow

Does it get any better then this?
67 W CAMBRIDGE AVE Phoenix, AZ 85003 $150,000


Transitional ranch home in the Prestigious Willo Historic District with some great mid-century features. Home is in dire need of rehab. To be sold in AS IS condition, Seller is unable to make repairs. Home will need major overhaul to be liveable. Quiet street on cul-de-sac very close to all of mid -town and down town's amenities. Must have vision as to what this house could be.

Interested in viewing? This one will go fast...
Linda Wiecorek
602-391-8246
Arizona Elite Properties
azhomes4u@gmail.com

18 Really good reasons to bank on the future of the Phoenix area real estate market:

18 Really good reasons to bank on the future of the Phoenix area real estate market:

1. The migration from the Snow Belt states to Metropolitan Phoenix has been unabated for 60 years.
2. A similar extended migration is now occurring from the Northwestern states and Western Canada.
3. The “installed base” of all those migrants brings a steady stream of extended family members.
4. Proposition 13 makes moving up difficult in California; many Golden State sellers buy in the Phoenix area.
5. Californians in pursuit of other objectives — e.g., a friendlier business climate — migrate to the Valley of the Sun.
6. Baby Boomers will retire in droves to warmer climes — the Atlantic coast, the Gulf states and the Southwest.
Among those locales, Phoenix is by far the least prone to natural disasters.
Because of this, people from disaster-afflicted regions have formed a new stream of in-migration.
7. There is a steady migration of new residents from Spanish- and Portuguese-speaking countries south of the border.
8. Phoenix is a destination of choice or the second-landing city for immigrants from all over the world.
9. While higher oil prices will put a strain on our far-flung suburbs, the greatest pain will be felt in Northern states where fuel oil or natural gas are used as heat sources; even people who don’t hate the winter will move to the Phoenix area to escape high heating bills.
10. The Phoenix Metropolitan area is a dynamic jobs creation machine, adding tens of thousand of new jobs every year.
11. People who have or hope to have children move here as soon as they can manage it. Compared to the areas from which many of our in-migrants are drawn, our homes are still very affordable.
12. We build thousands more new homes every year.
13. The Greater Phoenix area has 60 years of sustained practice at managing extreme growth — this in contrast to thrashing cities like Las Vegas.
14. Snowbirds, politely known as Our Winter Visitors, eventually move here year-around.
15. Our first waves of massive migration occurred after WW II; mustered out soldiers who had been stationed here came back with their families; this pattern continues among people who are posted here temporarily for various reasons.
16. People who stay at our resorts often fall in love with the Valley of the Sun and return as soon as they are able.
17. A significant number of active and retired professional athletes maintain homes here, in no small part because the Phoenix/Scottsdale area has…
Year-around golf.
18. It could be there’s too much sun here for congenital cellar-dwellers — but that’s a good thing!
Go Arnold... CA taxed are high...

Will the market conditions continue or will they change?

A little sun or more thunder in this housing market?





Some slowing in foreclosure activity may be seen in the coming months as programs designed to make it easier for distressed homeowners to modify their mortgages ramp up. But, according to ASU’s Realty Studies, “with the extremely weak economy the ability to maintain ownership or to purchase a home will continue to be severely tested, which will further delay any potential recovery.”

What are the bright spots in the Greater Phoenix real estate market?

Median prices fell across the Valley in January, but the declines were less dramatic in some cities. In month-over-month declines (between December 2008 and January 2009) in Gilbert and Chandler, prices fell 1.4% to $197,250 and $204,000, respectively. In year-over-year declines (between January 2008 and January 2009), prices again fell across the Valley, but declines were the least dramatic in Tempe (15.6% compared to Maricopa County’s 39.9%).

The number of homes sold was down across the Valley in January compared to December, but the volume of sales still far outpaced January 2008 – 114.6% more homes were sold in Phoenix in January 2009; that number was 48.3% for Mesa and 33.3% for Gilbert.

What’s happening in the Greater Phoenix condo market?

The number of townhouses and condos resold in Maricopa County fell 15.2% in January to 615 homes (after increasing 27.2% in December). Sales were down in most Valley cities; the most moderate decline was in Phoenix, where sales fell 4.1%. The largest decline was in Tempe, where sales fell 50%.

Median prices fell overall, too, down 11.3% in January compared to December (after increasing 3.1% in December). The smallest declines were in Scottsdale (2.5%) and Gilbert (2.0%). The largest were in Chandler (22.6%) and Mesa (20.4%).

Foreclosed townhomes and condos represented a good deal for buyers in Maricopa County overall, with prices 16.2% lower than on traditionally-sold homes. The best deals in January were found in Gilbert, where the price difference

Greater Phoenix Area January Real Estate Market UpdatePosted

A snapshot of what went on in the Phoenix area real estate market in January.

What specifically happened last month/quarter in this market?

A total of 6,960 resale homes sold in Maricopa County in January, down 6.3% from December but still 65.5% higher than in January 2008. Of the homes sold, 48% were foreclosures (up from 42% in December). Comparatively, in January 2008, 43% of homes resold were foreclosures.

The relatively high number of foreclosures – and the ever-weaker economy ¬– continued to put downward pressure on prices, which fell 8.0% (the same as December’s decline). The median price of $135,335 is 39.9% lower than the median price in January 2008.

Foreclosed homes represented a good deal for buyers across the Valley – particularly in Tempe and Chandler, where the median price of a foreclosed home was 20% and 16% less than the price of a traditionally-sold home, respectively.