Gilbert See Home Permits Go Up – Positive Sign

framed_house2 From 1996 to 2006, Gilbert, Arizona issued more than 3,000 home permits every year but one, according to U.S. Census Bureau statistics. In 2004, that number peaked at 5,071.  Several years of declines in the Phoenix housing market, Gilbert, AZ saw positive growth in 2009 in the new-home permits since the record breaking peak of 2004.  A great sign that Gilbert is recovering and growing again!

Permits issued in 2008 were a mild 1,109 and the amount for 2009 rose to 1,275 last year! Not a significant difference but it is a difference and it’s up, not down! 

Pulte Homes in October acquired 107 lots in Stratland Estates, which will be Pulte’s first foray into the Gilbert market. Pulte Homes spokeswoman Jacque Petroulakis said the company has high hopes for the Gilbert area.  Gilbert has several perks for homebuyers, including freeway access, local shopping, good schools and plentiful parks, Petroulakis said.  I can’t agree with her more!

Some of the neighborhoods that have seen recent increases in activity include Freeman Farms, Higley Park, Lyons Gate and Morrison Ranch.

If you are seeking a new home, be sure to take a license professional real estate agent with you, they will represent you! If you have a desire to search all the re-sale properties in the Gilbert area, be sure to check out all the most current homes available on my Home Search page here.

 

See the original article here.

Anthem at Merrill Ranch Homes For Sale

Anthem at Merrill Ranch – Florence Real Estate Homes

Anthem at Merrill Ranch, just north of Historic Florence in the Southeast Valley of Phoenix, offers all that you’d expect from a Del Webb community. Rock climbing, a skate park, championship golf, indoor basketball and a bustling community center are just a few amenities that will be conveniently located virtually in your backyard. From the masterful entry to renowned amenities, mostly including an 18-hole championship golf course, you’ll find a place tailored to fit how today’s families live, work and play. This 3,200 acre master planned community includes 9,100 homes and 39 home plans from the low $100s. Beyond the beautiful homes and vibrant neighborhoods of Anthem at Merrill… [Read more...]

13 of 13 new properties |  View all these results now

4 Beds, 3 baths
Size: 2,706 Sq Ft
Lot Size: 12,500 Sq Ft
Listed With Ashby Realty Group, LLC Community: Parkside
Tract: Anthem at Merrill Ranch
2 Beds, 2 baths
Size: 1,494 Sq Ft
Lot Size: 7,500 Sq Ft
Listed With US Preferred Realty Community: Sun City Merrill Ranch
Tract: Anthem at Merrill Ranch
2 Beds, 2 baths
Size: 1,380 Sq Ft
Lot Size: 7,500 Sq Ft
Listed With US Preferred Realty Community: Sun City Merrill Ranch
Tract: Anthem at Merrill Ranch
3 Beds, 2 baths
Size: 2,144 Sq Ft
Lot Size: 10,000 Sq Ft
Listed With Tee 2 Green Real Estate Community: Anthem at Merrill Ranch
Tract: Anthem at Merrill Ranch
4 Beds, 3 baths
Size: 2,706 Sq Ft
Lot Size: 7,500 Sq Ft
Listed With Realty Executives Community: ANTHEM MERRILL RANCH
Tract: ANTHEM AT MERRILL RANCH
2 Beds, 2 baths
Size: 1,380 Sq Ft
Lot Size: 7,500 Sq Ft
Listed With US Preferred Realty Community: Sun City Merrill Ranch
Tract: Anthem at Merrill Ranch
6 Beds, 4 baths
Size: 3,218 Sq Ft
Lot Size: 10,000 Sq Ft
Listed With S & S Southwestern Properties Community: Anthem at Merrill Ranch
Tract: Anthem at Merrill Ranch
5 Beds, 4 baths
Size: 4,110 Sq Ft
Lot Size: 10,000 Sq Ft
Listed With TRG Realty Tract: Anthem at Merrill Ranch
2 Beds, 2 baths
Size: 1,612 Sq Ft
Lot Size: 7,500 Sq Ft
Listed With US Preferred Realty Community: Sun City Merrill Ranch
Tract: Anthem at Merrill Ranch
3 Beds, 2 baths
Size: 1,605 Sq Ft
Lot Size: 7,500 Sq Ft
Listed With America’s Luxury Realty Community: ANTHEM AT MERRILL RANCH
Tract: ANTHEM AT MERRILL RANCH
2 Beds, 2 baths
Size: 2,323 Sq Ft
Lot Size: 10,000 Sq Ft
Listed With US Preferred Realty Community: Sun City Merrill Ranch
Tract: Anthem at Merrill Ranch
2 Beds, 2 baths
Size: 1,816 Sq Ft
Lot Size: 18,000 Sq Ft
Listed With Independence Realty Professionals, Inc. Tract: Anthem at Merrill Ranch
6 Beds, 5 baths
Size: 4,232 Sq Ft
Lot Size: 10,000 Sq Ft
Listed With US Preferred Realty Community: Anthem at Merrill Ranch
Tract: Anthem at Merrill Ranch
Each listing indicates that the information for that listing was obtained through an Internet Display Exchange agreement and, as such, may not be owned by the agent or broker represented on this website.  Information deemed reliable but not guaranteed. Data last updated 1/17/10 10:46 AM PST.

 

Happy Holidays From Candace

happyholidays1_01
May you enjoy the real meaning of Christmas with your family, friends & love ones!

Thank you for sharing your friendship with me over the years!

May your Holiday Season be blessed with love, joy & peace and may you have a prosperous and successful New Year!

Thinking of you over the miles,

Candace

$8,000 Home Buyer Tax Credit Extended

Arizona home buyers who have not owned a home within the last three years will have until June to close on a home and still get the $8000 tax credit, as long as they have a contract on the home before April 30!

The credit, which was to expire at the end of November will now be available for those that perhaps are sitting on the fence and still yet unsure of when the market might hit bottom!

It also gives a tax credit to buyers who are buying their next primary residence AND have owned a primary residence for at least the last 5 years. The details on this portion of the bill are still a bit confusing as there have been different reports as to what the exact qualifications are. We should start to see exact details within the next few weeks and month to come.

Who Qualifies for the Extended Credit?

  • First-time home buyers who purchase homes between November 7, 2009 and April 30, 2010.
  • Current home owners purchasing a home between November 7, 2009 and April 30, 2010, who have used the home being sold or vacated as a principal residence for five consecutive years within the last eight.

To qualify as a “first-time home buyer” the purchaser or his/her spouse may not have owned a residence during the three years prior to the purchase.
If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see: 2009 First-Time Home Buyer Tax Credit.

Which Properties Are Eligible?

The Extended Home Buyer Tax Credit may be applied to primary residences, including: single-family homes, condos, townhomes, and co-ops.

How Much Is Available?

The maximum allowable credit for first-time home buyers is $8,000.

The maximum allowable credit for current homeowners is $6,500.

How is a Buyer’s Credit Amount Determined?

Each home buyer’s tax credit is determined by two additional factors:

  1. The price of the home.
  2. The buyer’s income.

Price

Under the Extended Home Buyer Tax Credit, credit may only be awarded on homes purchased for $800,000 or less.

Buyer Income

Under the Extended Home Buyer Tax Credit, which is effective on November 7, 2009,  single buyers with incomes up to $125,000 and married couples with incomes up to $225,000—may receive the maximum tax credit.

These income limits have changed from the 2009 First-Time Home Buyer Tax Credit limits. If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see 2009 First-Time Home Buyer Tax Credit.

If the Buyer(s)’ Income Exceeds These Limits, Can He/She Still Get a Credit?

Yes, some buyers may still be eligible for the credit.

The credit decreases for buyers who earn between $125,000 and $145,000 for single buyers and between $225,000 and $245,000 for home buyers filing jointly. The amount of the tax credit decreases as his/her income approaches the maximum limit. Home buyers earning more than the maximum qualifying income—over $145,000 for singles and over $245,000 for couples are not eligible for the credit.

Can a Buyer Still Qualify If He/She Closes After April 30, 2010?

Under the Extended Home Buyer Tax Credit, as long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.

Will the Tax Credit Need to Be Repaid?

No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during this three-year period, the full amount credit will be recouped on the sale

For more information on the $8,000 Home Buyer Tax Credit Extend FAQ

Phoenix Child Loses Life to Fire

It’s a sad day when you have to listen to the loss of a child and have her big sister fighting for her life! It often amazes me when I hear of such tragedy for a family and my heart goes out to them!

As a mother of three grown children, the worse nightmare would be to bury a child before I leave this earth! I pray that is not something I will ever have to do!

Could it have been avoided?

This story touched me, there is no question! The biggest heartache is the one lingering question of, “could it have been avoided?”  I’m not sure of the entire circumstances and the story is still unfolding but from the reports and news, the smoke detector was in the closet! Why on earth would anyone gamble with some ones life, these children’s lives! It truly breaks my heart!

Are the detectors in the right places?

As a home owner, or perhaps a landlord I would think you would do whatever you can within your power to make sure your smoke detectors are operating and routinely checked. If your home is perhaps not to current building code, find the options to protect those you love or those you might be legally responsible for!

Take a few minutes to fire proof your homes, isn’t a child’s life worth it? Isn’t your life worth it?
I hope and pray this family can recover from their pain and suffering and somehow overcome their losses! In the meantime, may we all learn from such sadness and protect ourselves and those we love. Especially during the holiday season when we string our homes up with lights and decorations!

Hire a professional to inspect your home

Ben Schern, an AZ Home Inspector with Target Building Inspections LLC in Gilbert, AZ says, “There are three basic types of residential smoke detectors, all with different means for detecting smoke and fire, different types of fires they detect best, and different replacement reasons & needs.”

A great post shared by Ben Schern, an Arizona Licensed Home Inspector shares ways we can protect our homes from fire and gives us great tips to protect our homes and family.

May you and yours be safe and blessed through this holiday season!

*original article:   4-year-old killed, 10-year-old badly hurt in Phoenix house fire

Happy Memorial Day 2009

Did you know…

We celebrate Memorial Day as a day of remembrance for those who have died in our nation’s service. In contrast, Veterans Day honors all who have served. 1.1 million Americans have died in all the nation’s wars.

At Arlington National Cemetery, three unknown servicemen are buried at the Tomb of the Unknowns. Memorial Day is observed with the laying of a wreath at the Tomb, which is guarded by the U.S. Army 24 hours a day, 365 days a year.

The National Moment of Remembrance encourages all Americans to pause wherever they are at 3 p.m. local time on Memorial Day for a minute of silence to remember and honor those who have died in service to the nation.

May you remember those that have served lost their lives for our freedoms! May we also remember those that are serving now on our behalf!

Take the time this holiday to honor the men and women of the U.S. Military who have made the ultimate sacrifice in defense of our country!

Phoenix Home Sales First Quarter of 2009

Reporting resale single family residences and condos as well as new homes

* % Change is from the same period last year

MARICOPA AZMA Median Price Sales Volume
Community Zip Code 1Q2009 % Chg* $/SqFt 1Q2009 % Chg*
All homes $140,000 -39.5% $74 17,070 17.9%
AVONDALE 85323 $107,000 -45.3% $55 270 109.3%
AVONDALE 85392 $119,000 -44.4% $64 239 79.7%
BUCKEYE 85326 $101,760 -39.3% $46 469 64.6%
BUCKEYE 85396 $185,611 -18.7% $75 184 -37.8%
CAREFREE 85377 $462,450 -30.2% $187 21 162.5%
CASHION 85329 $36,750 n/a $26 6 n/a
CAVE CREEK 85331 $322,500 -21.3% $138 116 -10.1%
CHANDLER 85224 $154,326 -28.2% $110 111 16.8%
CHANDLER 85225 $139,450 -33.9% $90 213 13.9%
CHANDLER 85226 $219,950 -9.3% $123 83 -25.9%
CHANDLER 85248 $250,000 -27.5% $116 133 -46.4%
CHANDLER 85249 $289,800 -24.4% $107 207 -18.2%
CHANDLER 85286 $271,000 -9.7% $111 121 1.7%
EL MIRAGE 85335 $73,250 -50.7% $48 303 194.2%
FOUNTAIN HILLS 85268 $298,000 -26.8% $156 124 -20.0%
GILBERT 85233 $166,000 -31.8% $97 112 -11.8%
GILBERT 85234 $200,000 -25.9% $98 183 5.2%
GILBERT 85295 $190,000 -20.1% $93 269 14.5%
GILBERT 85296 $184,908 -23.3% $98 199 19.2%
GILBERT 85297 $220,000 -17.2% $95 173 10.2%
GILBERT 85298 $260,680 -19.8% $93 149 -15.8%
GLENDALE 85301 $44,950 -70.0% $35 161 126.8%
GLENDALE 85302 $110,000 -39.7% $64 105 38.2%
GLENDALE 85303 $81,750 -61.1% $52 203 238.3%
GLENDALE 85304 $114,000 -35.6% $72 79 2.6%
GLENDALE 85305 $190,250 -45.7% $76 52 6.1%
GLENDALE 85306 $103,500 -46.9% $72 53 35.9%
GLENDALE 85307 $99,200 -41.6% $56 45 400.0%
GLENDALE 85308 $185,000 -19.9% $96 193 10.9%
GLENDALE 85310 $203,297 -23.9% $104 65 27.5%
GOODYEAR 85338 $138,550 -37.0% $65 328 22.8%
GOODYEAR 85395 $232,500 -26.4% $82 171 10.3%
LAVEEN 85339 $144,000 -33.9% $61 297 8.4%
LITCHFIELD PARK 85340 $188,950 -29.6% $74 169 59.4%
MESA 85201 $82,650 -42.6% $65 92 39.4%
MESA 85202 $131,136 -36.0% $86 82 24.2%
MESA 85203 $120,000 -44.2% $75 83 56.6%
MESA 85204 $89,900 -47.4% $64 194 120.5%
MESA 85205 $118,900 -31.9% $88 104 5.1%
MESA 85206 $140,000 -27.6% $97 123 -50.2%
MESA 85207 $268,863 -29.1% $106 195 10.8%
MESA 85208 $115,500 -35.8% $79 175 38.9%
MESA 85209 $165,000 -19.5% $94 186 -3.6%
MESA 85210 $57,750 -63.9% $56 90 42.9%
MESA 85212 $199,000 -24.9% $83 136 -2.9%
MESA 85213 $180,000 -32.6% $84 51 -5.6%
MESA 85215 $207,000 -27.6% $112 43 -20.4%
NEW RIVER 85087 $219,900 -35.4% $88 69 -2.8%
PARADISE VALLEY 85253 $750,000 -44.1% $275 64 -16.9%
PEORIA 85345 $92,000 -46.9% $65 212 72.4%
PEORIA 85381 $165,000 -17.8% $84 63 -1.6%
PEORIA 85382 $180,500 -20.0% $98 147 -2.0%
PEORIA 85383 $239,450 -22.5% $90 282 23.7%
PHOENIX 85003 $160,000 -51.5% $161 33 153.8%
PHOENIX 85004 $117,500 -76.5% $73 7 -82.9%
PHOENIX 85006 $52,500 -70.8% $48 62 67.6%
PHOENIX 85007 $42,625 -79.7% $45 39 39.3%
PHOENIX 85008 $69,000 -55.8% $56 109 2.8%
PHOENIX 85009 $32,000 -69.5% $30 123 119.6%
PHOENIX 85012 $67,863 -80.9% $77 23 27.8%
PHOENIX 85013 $133,000 -35.9% $109 47 -9.6%
PHOENIX 85014 $152,000 -30.6% $105 63 -37.6%
PHOENIX 85015 $65,950 -56.0% $49 91 31.9%
PHOENIX 85016 $147,250 -39.3% $113 139 19.8%
PHOENIX 85017 $39,188 -69.9% $31 176 259.2%
PHOENIX 85018 $201,000 -35.7% $141 94 -15.3%
PHOENIX 85019 $51,000 -64.6% $35 164 248.9%
PHOENIX 85020 $128,950 -47.4% $99 112 8.7%
PHOENIX 85021 $95,750 -54.0% $68 62 -4.6%
PHOENIX 85022 $160,000 -27.3% $97 120 5.3%
PHOENIX 85023 $129,500 -45.6% $78 99 26.9%
PHOENIX 85024 $210,000 -35.2% $112 74 -62.4%
PHOENIX 85027 $120,000 -35.0% $90 100 -15.3%
PHOENIX 85028 $226,000 -33.8% $116 49 -12.5%
PHOENIX 85029 $85,000 -50.0% $58 132 73.7%
PHOENIX 85031 $35,000 -69.3% $24 247 220.8%
PHOENIX 85032 $131,000 -40.7% $98 202 35.6%
PHOENIX 85033 $40,000 -70.6% $30 465 573.9%
PHOENIX 85034 $56,700 -66.6% $64 9 -35.7%
PHOENIX 85035 $36,000 -77.1% $29 310 416.7%
PHOENIX 85037 $67,250 -60.3% $47 459 325.0%
PHOENIX 85040 $53,000 -65.4% $40 110 129.2%
PHOENIX 85041 $106,500 -45.4% $55 291 60.8%
PHOENIX 85042 $84,813 -58.6% $54 159 22.3%
PHOENIX 85043 $86,000 -51.7% $52 237 203.8%
PHOENIX 85044 $217,500 -10.5% $127 100 -20.6%
PHOENIX 85045 $265,000 -19.7% $119 55 12.2%
PHOENIX 85048 $238,250 -20.6% $126 133 -5.7%
PHOENIX 85050 $329,153 -15.6% $130 117 -29.9%
PHOENIX 85051 $54,950 -60.8% $40 192 209.7%
PHOENIX 85053 $100,478 -45.1% $65 112 86.7%
PHOENIX 85054 $298,092 -27.1% $154 44 -49.4%
PHOENIX 85085 $265,000 -17.0% $89 122 -8.3%
PHOENIX 85086 $220,000 -23.7% $91 311 54.0%
PHOENIX 85083 $277,500 -22.5% $93 104 -27.3%
QUEEN CREEK 85240 $118,022 -26.5% $55 291 -28.3%
QUEEN CREEK 85242 $145,000 -29.0% $63 424 35.9%
RIO VERDE 85263 $290,000 -49.3% $144 8 -11.1%
SCOTTSDALE 85250 $226,500 -12.3% $135 50 -44.4%
SCOTTSDALE 85251 $182,000 -37.3% $131 121 -39.5%
SCOTTSDALE 85254 $290,000 -25.6% $142 140 -17.6%
SCOTTSDALE 85255 $486,000 -36.8% $192 244 -7.9%
SCOTTSDALE 85257 $164,330 -27.0% $114 71 -7.8%
SCOTTSDALE 85258 $350,000 -20.5% $188 86 -43.8%
SCOTTSDALE 85259 $419,450 -35.6% $184 74 -8.6%
SCOTTSDALE 85260 $295,000 -23.9% $161 104 -43.2%
SCOTTSDALE 85262 $581,000 -33.9% $187 70 -38.1%
SCOTTSDALE 85266 $715,000 -13.3% $211 38 -50.0%
SUN CITY 85351 $115,000 -16.8% $80 213 -14.1%
SUN CITY 85373 $154,700 -15.0% $80 112 -11.1%
SUN CITY WEST 85375 $167,000 -17.0% $106 183 -18.7%
SURPRISE 85374 $137,000 -35.1% $77 256 8.9%
SURPRISE 85379 $143,900 -30.0% $64 420 65.4%
SURPRISE 85387 $215,000 1.2% $115 67 -39.1%
SURPRISE 85388 $134,950 -37.4% $62 187 26.4%
TEMPE 85281 $147,500 -55.6% $127 38 -74.1%
TEMPE 85282 $165,000 -21.1% $103 74 -24.5%
TEMPE 85283 $199,000 -5.2% $115 70 -29.3%
TEMPE 85284 $316,500 -10.2% $150 42 -36.4%
TOLLESON 85353 $110,000 -44.2% $52 241 25.5%
TONOPAH 85354 $112,000 -49.0% $58 9 -25.0%
WADDELL 85355 $225,995 -6.7% $81 79 -4.8%
WICKENBURG 85390 $242,500 6.9% $146 22 -35.3%
WITTMANN 85361 $170,500 -41.2% $79 37 85.0%
YOUNGTOWN 85363 $102,000 -25.3% $54 40 135.3%

NAR Reports on Housing Sales – News & Analysis

Feb 25, 2009 – Existing-Home Sales

NAR Chief Economist Lawrence Yun reports on the latest existing home sales numbers in January 2009.
07:46 minutes

March 9, 2009 – Pending Sales

NAR Chief Economist Sales Lawrence Yun talks about March 2009 existing-home sales (EHS) survey data at an April 23, 2009 press conference at NAR headquarters in Washington, DC.
07:35 minutes

April 1, 2009 – Pending Home Sales Up

Realtor(R) Magazine talks with NAR Chief Economist Lawrence Yun about pending home sales report released April 1, 2009.
04:41 minutes

Economic Stimulus: Impact on Housing

Drop in metro Phoenix foreclosures

“Valley foreclosures and pre-foreclosures both fell in April, while the number of foreclosure cancellations climbed. All good indicators for the housing market as long as they continue.

Trustee notices, or pre foreclosures, fell to 9,092 in April from 10,689 in March, reports data research firm Information Market.

Actual foreclosures, trustee deeds, fell to 3,103 last month from March’s 3,377. Cancellations fell by 500 in April to 2,668.

Also, fewer foreclosures are going back to the lender, which could signal more short sales going through and investors buying homes at trustee auctions. About 89 percent of Valley foreclosures went back to the lender in April. In March and for most of the past year, about 95 percent of all foreclosures have gone back to the lender.”
See entire article with Catherine Reagor

USDA Rural Housing Program Changes

There were some changes to the USDA “Rural” Housing Program which still allows 100% financing.  The maximum income limit used to start at $50k/year but that limit has now been raised to $73,600 per year ($97,150 for a family of 5 or more).

If you are looking to live in parts of Pinal County, you can still buy a home with “no money down” if you qualify for a program called the USDA rural home loan program.

The USDA rural home loan program is designed to help people buy homes that are “designated” as rural areas with as little money out-of-pocket as possible. The average out of pocket expense for a borrower who was financing their home with a USDA loan was less than $200 for 2008.

Some of the cities in Arizona that have access to this program are Buckeye, Queen Creek, Florence, Maricopa (the city), Payson, Prescott Valley,  Kingman and parts of and Anthem to name a few.

The greater Phoenix and Tucson areas are excluded as is Flagstaff.  The property must be a primary residence and qualification for the loan includes the typical income, asset and 620 credit score.

Only those counties with ineligible areas are listed below. All other counties are completely eligible. Please select a county from the map or from the Quick list to view ineligible area.

Clear Image

Map Image

Quick list of Counties containing ineligible areas

Cochise
Coconino
Maricopa
Mohave
Pima
Pinal
Yavapai
Yuma

Arizona Foreclosure Scams and Spams

Arizona Foreclosures are at an all time high. Over one in every 147 homes received a foreclosure filing in February 2009, making Arizona the second highest state to be feeling the negative impact of the current housing crisis. ( read full article here ) But while there are many resources and tips on Arizona foreclosures available online, there is another national and no-scamslocal epidemic on the rise.

As short sales in Arizona increase month over month so do the investors and fly by night firms that seek to make a profit during a time of calamity. While it is no secret that scams are always floating around out there it does seem to come as a surprise to many that it’s happening in the foreclosure industry at an alarming rate.

Arizona lender’s start the foreclosure procedure by filing what is called a Notice of Trustee Sale. This notice is then submitted to the county recorder and becomes public information that can be attained by the malicious con artists that are laying in wait as if your money is the prey. There are a number of methods used by these predators ranging from constant spam mail claiming to be offering their services in reducing your loan to pesky phone calls or fliers on your door.

But have no fear! While the sinister companies and investors embark on their campaign of scam and spam there are still many legitimate tips on how to avoid foreclosure scams.

check Checking it once, checking it twice: The Department of Housing and Urban Development ( HUD ) has a website that allows for an easy search for government approved foreclosure counseling agencies. This is as good a place to start as any if you’re looking for a legitimate company or wish to check to see if the company that has contacted you can be verified. Their toll free number is (800)-CALL-FHA or (800)-225-5342

checkPay to stay: Don’t be fooled into thinking you have to fork over thousands of dollars to some company to garner assistance. Many of the HUD approved companies listed on the website above offer little to no cost services. Be wary of working with any foreclosure assistance companies who require a fee before providing you a solution.

checkAsk and don’t assume: Pay close attention to anything you sign. Don’t agree to anything on paper if you have any questions. Feel free to ask the company for clarification or even fact check it for yourself. Many fraudulent lenders or investors will try to use a variety of shady tactics like trying to take your home’s equity, offering debt consolidation efforts that they are not licensed to perform or even pressuring you into bankruptcy which only suspends a foreclosure but does not stop it. Remember to have everything in writing and only sign it if you’re comfortable with it and have no further questions on any of the details or process.

checkGet a second opinion: Some people never take the first box of cereal off the shelf. It’s safe to apply this kind of mentality when seeking foreclosure assistance to avoid a scam. Many reputable companies are offering foreclosure aide in the Phoenix real estate market and all over the valley. It’s always a good idea to talk to two or more agencies before making your decision. Be sure to make a list of questions or concerns before hand so that the level of information gathered from each resource can help you build a better contrast. Then if the first company you sought out is your final choice you can rest easier knowing you made an educated decision and compared.

Lastly, while this isn’t exactly a tip, there are places where you can report foreclosure scams that you have been spammed by or even dealt with and were blind sided. This kind of activity can be reported to the state and local consumer protection agencies found at the Federal Citizen’s Information Center.  While we can’t necessarily stem the rise of Phoenix foreclosures or those across the Valley we can do our part to protect ourselves and each other from those seeking earnings from misfortune.