sally agent
WHEN BUYING A HOME: YOU NEED A REAL ESTATE PROFESSIONAL Many people wonder whether they should hire a real estate professional to assist them in buying their dream home or if they should first try to go it on their own. In today’s market: you need an experienced professional! You Need an Expert Guide if you are Traveling a Dangerous Path The field of real estate is loaded with land mines. You need a true expert to guide you through the dangerous pitfalls that currently exist. Finding a home that is priced appropriately and ready for you to move in to can be tricky. [...]
Thu, Apr 10, 2014
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thank you
True Secret to Success (It’s Not What You Think) BY GEOFFREY JAMES If you’re not exercising this emotional muscle, you’re probably setting yourself up for failure. I’m utterly convinced that the key to lifelong success is the regular exercise of a single emotional muscle: Gratitude   (more…) [...]
Tue, Apr 08, 2014
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Michael
Below is a comparison to show a new homeowner how skipping just a single cup of coffee or a can of soda a day can make a huge difference in their financial futures – allowing them to pay off their home mortgage up to 8 years early, saving thousands in interest charges.  All of that saved interest can be used to fund college educations, retirement, or help you move up to that home of your dreams. Save that money now, and use it when you really need it.  Take a look by clicking on the image below.  (And don’t forget to [...]
Thu, Mar 27, 2014
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Mortgage Rates and Home Prices are Expected to Rise in 2014
The Cost of Waiting In 2014 Based on prices, mortgage rates and soaring rents, there may have never been a better time in real estate history to purchase a home than right now. Here are five major reasons purchasers should consider buying: 1. Supply is Shrinking With inventory declining in many regions, finding a home of your dreams may become more difficult going forward. There are buyers in more and more markets surprised that there is no longer a large assortment of houses to choose from. The best homes in the best locations sell first. Don’t miss the opportunity to get that ‘once-in-a-lifetime’ buy. 2. [...]
Thu, Feb 27, 2014
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Top Home Buyer Tips
Here are some things to avoid during the home buying process to assure your transaction goes smoothly: -Don’t Make an Expensive Purchase It’s best to avoid making major purchases like furniture, cars, appliances, electronic equipment, jewelry, or vacations until after the closing. Financing furniture with a credit card could jeopardize your credit worthiness during the time it means the most. Using cash to purchase big items can also create a problem because many banks take into consideration your cash reserve when approving your mortgage. -Don’t Get a New Job Lenders like to see a consistent job history. Generally, changing jobs will not affect your [...]
Wed, Feb 26, 2014
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My friends sometimes plan late, we should plan ahead. [...]
Tue, Jan 28, 2014
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michael j barnes 90 day challenge
Challenge: It’s not just a word My journey started with my brother. Over the past 20 years my brother has gotten to over 300 pounds. After many hours of discussions and motivational pep talks, my brother decided not only to join Lifetime, but also to commit to the Weight Loss Challenge. I wanted to be an example for my big brother. I believed in my heart I could transform as well. I had to make the decision to compete, the challenge with that was, I am 49 years old and I had never been an athlete, much less competed in anything [...]
Tue, Jan 28, 2014
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We’ve all been there.  In grade school, the kids put on their annual Christmas pageant each year.  Each parent sits and listens proudly as his/her kid belts out Jingle Bells, frequently out of sync/tune with the rest of the class, and records every moment of it. My father still holds a cassette of my brothers and me singing Jingle Bells for my grandmother when we were that young and I cringe each time I hear it, although my grandmother cherished it. (more…) [...]
Mon, Dec 16, 2013
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doorkey_id_4612188594_CC_BY_woodleywonderworks_a73645804@N00
What options are available to you if you’re out of the country when you’re supposed to close on a mortgage loan?? I was recently asked a question about a borrower who was out of the country while in the process of refinancing his home. He was asking if the loan doc’s could be emailed to him, and could he just sign the documents and email them back… Surprisingly, this happens often… Either a borrower is out of town, or in this scenario, out of the country… So the short answer is NO!!… But Maybe!! Let [...]
Mon, Nov 25, 2013
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lydia brady 3
How fitting is it that two of my clients, who happen to be US Veteran’s, closed on their loan exactly one week before Veteran’s Day? In my opinion, it’s very appropriate and I am honored to be the one who helped them get a VA loan, provided by the Veteran’s Administration, to buy their house. Lydia, a US Veteran, served in the Army starting in 2005.  She has been honored with a number of awards including the National Defense Service Medal and an Army Service Ribbon.  She continues to work with the Arizona National Guard and serves this country proudly. (more…) [...]
Tue, Nov 19, 2013
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