Payson, Pine & Strawberry, AZ Real Estate Information

A White Christmas for Payson Arizona

Tue, 22 Dec 2009 20:59:17 -0800

A White Christmas for Payson Arizona. The fattest flakes you have ever seen began to fall about 3:30 this afternoon and didn't slow down until about dark.

The good part is that I ordered it. Yep, ordered it last week. And here it is. The Mogollon rim is white and more snow is expected tomorrow. Santa should have an easy time delivering gifts as roofs all across Payson primed with snow and ready for the sound of his reindeer's hooves.

Merry Christmas In Many Major Languages

Sun, 20 Dec 2009 23:19:30 -0800

Merry Christmas In Many Major Languages..

Ever wondered what "Merry Christmas" sounds like in other languages. I've mastered Spanish and German, but no others.

Just ran across a website that lists how to say "Merry Christmas" in many languages. Thought it might be fun to study them in 2010 and dazel all my friends next Christmas....or maybe not. :) It looks pretty hard to me.

http://christmas.newarchaeology.com/merry-christmas.php

He Stands Watch Instead of Me (and I'm glad he does)

Sat, 19 Dec 2009 15:46:35 -0800

He Stands Watch Instead of Me (and I'm glad he does). I received this in an email. I don't know who wrote it, but it really touched me. First time I read it I cried. The second time I received it I cried again. Now it's your turn, my friend. God, I love this Country and our soldiers.

The embers glowed softly, and in their dim light,
I gazed round the room and I cherished the sight.
My wife was asleep, her head on my chest,
My daughter beside me, angelic in rest.
Outside the snow fell, a blanket of white,
Transforming the yard to a winter delight.

The sparkling lights in the tree I believe,
Completed the magic that was Christmas Eve.
My eyelids were heavy, my breathing was deep,
Secure and surrounded by love I would sleep.
In perfect contentment, or so it would seem,
So I slumbered, perhaps I started to dream.

The sound wasn't loud, and it wasn't too near,
But I opened my eyes when it tickled my ear..
Perhaps just a cough, I didn't quite know, Then the
sure sound of footsteps outside in the snow.
My soul gave a tremble, I struggled to hear,
And I crept to the door just to see who was near.

Standing out in the cold and the dark of the night,
A lone figure stood, his face weary and tight.
A soldier, I puzzled, some twenty years old,
Perhaps a Marine, huddled here in the cold.
Alone in the dark, he looked up and smiled,
Standing watch over me, and my wife and my child.

"What are you doing?" I asked without fear,
"Come in this moment, it's freezing out here!
Put down your pack, brush the snow from your sleeve,
You should be at home on a cold Christmas Eve!"
For barely a moment I saw his eyes shift,
Away from the cold and the snow blown in drifts..

To the window that danced with a warm fire's light
Then he sighed and he said "Its really all right,
I'm out here by choice. I'm here every night."
"It's my duty to stand at the front of the line,
That separates you from the darkest of times.

No one had to ask or beg or implore me,
I'm proud to stand here like my fathers before me.
My Gramps died at 'Pearl on a day in December,"
Then he sighed, "That's a Christmas 'Gram always remembers."
My dad stood his watch in the jungles of 'Nam',
And now it is my turn and so, here I am.

I've not seen my own son in more than a while,
But my wife sends me pictures, he's sure got her smile.
Then he bent and he carefully pulled from his bag,
The red, white, and blue... an American flag.
I can live through the cold and the being alone,
Away from my family, my house and my home.

I can stand at my post through the rain and the sleet,
I can sleep in a foxhole with little to eat.
I can carry the weight of killing another,
Or lay down my life with my sister and brother..
Who stand at the front against any and all,
To ensure for all time that this flag will not fall.."

"So go back inside," he said, "harbor no fright,
Your family is waiting and I'll be all right."
"But isn't there something I can do, at the least,
"Give you money," I asked, "or prepare you a feast?
It seems all too little for all that you've done,
For being away from your wife and your son."

Then his eye welled a tear that held no regret,
"Just tell us you love us, and never forget.
To fight for our rights back at home while we're gone,
To stand your own watch, no matter how long.
For when we come home, either standing or dead,
To know you remember we fought and we bled.
Is payment enough, and with that we will trust,
That we mattered to you as you mattered to us."

Sellers, Please Begin Your Short Sales As Soon As Possible

Sat, 19 Dec 2009 15:10:06 -0800

Sellers in Payson, Arizona, please begin your short sale as soon as possible.

A recent announcement states that FREDDIE MAC and FANNIE MAE will no longer delay foreclosure dates even when there is a short sale working. It has been their practice in the past to delay the foreclosure date when the seller had an offer on the property and was negotiating a "short sale".

This is not good news for those involved on either the buying or selling side.

SELLERS, be sure to begin early in the "Short Sale" process to ensure that you have enough time to close escrow before the foreclosure date.

If you are behind in your payments and see no way to catch them up, call Sandra Scott, Four Seasons Realty, 928-978-9047. We can help.

New Announcements From Freddie and Fannie

Sat, 19 Dec 2009 14:14:29 -0800

Both FANNIE MAE, FREDDIE MAC and CITIGROUP will not pursue foreclosure evictions in Payson, Arizona, or any other state for homeowners or renters from December 19, 2009, ‘til January 3, 2010. It's a great time for out lenders to show some holiday spirit. Mickey thinks it's great, what do you say?

Way to go, Guys!

Gingerbread Houses in Payson Arizona

Fri, 18 Dec 2009 21:22:36 -0800

Gingerbread Houses in Payson Arizona are taking shape everywhere you look. Mothers, grandmothers, aunts anyone who loves children are gathering in kitchens all over the Rim Country creating the most adorable gingerbread houses imaginable.

I lay awake at night going over past gingerbread houses, etc. that I have been a part of. I think this grandmother has more fun that anyone.

The first gingerbread house I made was with my nephew. He was living with me and was 18 at the time. We spend hours building a two-story house with all the furniture included for his girlfriend. That was 20 years ago and I still have the pattern.

So when my grandsons came along that was one of the first traditions we started. Then the next day I'd bake gingerbread cookies and cut them out in shapes of trains, trees and reindeer.

Such fun at Christmas....

Beware of the Facebook Virus

Thu, 17 Dec 2009 21:51:07 -0800

Beware of the Facebook Virus. Another virus has raised it's ugly head.

This one is tricky. Really tricky!

I received an opportunity to jack up my computer really good one morning this week when I received an email form Facebook. (Well, it looked like it came from Facebook.)

It said my password had been changed and that if I had not changed it, to click on the link.

I was so busy that day that I simply deleted it. Soooo glad I did. My computer technician friend (he's not easily fooled) got the same email and clicked the link. Luckily he had great anti-virus software (AVG...the free version) and watched it delete the virus as he sat in amazement.

So be careful, my little rain drops. If you get an email that appears to be from Facebook saying your password has been changed, remember this Post. Hit the DELETE button. Quickly.

Payson Arizona Town Christmas Tree Lighting

Sat, 05 Dec 2009 22:16:09 -0800

Payson Arizona Town Christmas Tree Lighting was held in Green Valley Park tonight. The Town of Payson recently planted a lovely tree which will have the honor of being the Town of Payson Christmas Tree. Hundreds of Payson residents attended the lighting ceremony. Santa Clause was gracious enough to come by to "throw the switch".

Payson Arizona Electric Light Parade

Sat, 05 Dec 2009 22:01:20 -0800

Payson Arizona Electric Light Parade was a great success. Hundreds of fine Payson citizens braved the chilly weather to enjoy a good 'old down-home light parade. Little ones were wide eyed as the floats passed them by. A good time was had by all!

The Worker, Homeownership, and Business Assistance Act of 2009

Fri, 04 Dec 2009 21:41:36 -0800

The Worker, Homeownership, and Business Assistance Act of 2009, sometimes called the Move-up home buyer tax credit, has established a tax credit of up to $6,500 for qualified move-up/repeat home buyers (existing home owners) purchasing a principal residence after November 6, 2009, and on or before April 30, 2010, (or purchased by June 30, 2010, with a binding sales contract signed by April 30, 2010).

The following questions and answers provide basic information about the tax credit. If you have more specific questions, please consult a qualified tax advisor or legal professional about your unique situation.

1. Who is eligible to claim the $6,500 tax credit?

Qualified move-up or repeat home buyers purchasing any kind of home are eligible to
claim this credit.

2. What is the definition of a move-up or repeat home buyer?

The law defines a tax credit qualified move-up home buyer ("long-time resident") as a has owned and resided in a home for at least five consecutive years of the eight years prior to the purchase date. For married taxpayers, the law tests the homeownership history of both the home buyer and his/her spouse. Repeat home buyers do not have to purchase a home that is more expensive than their previous home to qualify for the tax credit.

3. How is the amount of the tax credit determined?

The tax credit is equal to 10 percent of the home's purchase price up to a maximum of
$6,500. Purchases of homes priced above $800,000 are not eligible for the tax credit.

4. Are there any income limits for claiming the tax credit?

Yes. The income limit for single taxpayers is $125,000; the limit is $225,000 for married taxpayers filing a joint return. The tax credit amount is reduced for buyers with a modified adjusted gross income (MAGI) above those limits. The phaseout range for the tax credit program is equal to $20,000. That is, the tax credit amount is reduced to zero for taxpayers with MAGI of more than $145,000 (single) or $245,000 (married) and is reduced proportionally for taxpayers with MAGIs between these amounts.

5. What is "modified adjusted gross income"?

Modified adjusted gross income or MAGI is defined by the IRS. To find it, a taxpayer
must first determine "adjusted gross income" or AGI. AGI is total income for a year
minus certain deductions (known as "adjustments" or "above-the-line deductions"),
but before itemized deductions from Schedule A or personal exemptions are
subtracted. On Forms 1040 and 1040A, AGI is the last number on page 1 and the
first number on page 2 of the form. For Form 1040-EZ, AGI appears on line 4 (as of
2007). Note that AGI includes all forms of income including wages, salaries, interest
income, dividends and capital gains

To determine modified adjusted gross income (MAGI), add to AGI certain amounts of
foreign-earned income. See IRS Form 5405 for more details.

6. If my modified adjusted gross income (MAGI) is above the limit, do I qualify for
any tax credit?

Possibly. It depends on your income. Partial credits of less than $6,500 are available
for some taxpayers whose MAGI exceeds the phaseout limits.

7. Can you give me an example of how the partial tax credit is determined?

Just as an example, assume that a married couple has a modifi ed adjusted gross
income of $235,000. The applicable phaseout to qualify for the tax credit is $225,000, and the couple is $10,000 over this amount. Dividing $10,000 by the phaseout range of $20,000 yields 0.5. When you subtract 0.5 from 1.0, the result is 0.5. To determine the amount of the partial first-time home buyer tax credit that is available to this couple, multiply $6,500 by 0.5. The result is $3,250.

Here's another example: assume that an individual home buyer has a modifi ed
adjusted gross income of $138,000. The buyer's income exceeds $125,000 by
$13,000. Dividing $13,000 by the phaseout range of $20,000 yields 0.65. When you subtract 0.65 from 1.0, the result is 0.35. Multiplying $6,500 by 0.35 shows that the
buyer is eligible for a partial tax credit of $2,275. Please remember that these examples are intended to provide a general idea of how the tax credit might be applied in different circumstances. You should always consult your tax advisor for information relating to your specifc circumstances.

8. How is this home buyer tax credit different from the tax credit that Congress
enacted in July of 2008? And how is this different than the rules established in early
2009?

The previous tax credits applied only to first-time home buyers and were for different
amounts of money.

9. How do I claim the tax credit? Do I need to complete a form or application? Are
there documentation requirements?

You claim the tax credit on your federal income tax return. Specifi cally, home buyers
should complete IRS Form 5405 to determine their tax credit amount, and then claim
this amount on line 67 of the 1040 income tax form for 2009 returns (line 69 of the
1040 income tax form for 2008 returns).

No other applications are required, and no pre-approval is necessary. However, you
will want to be sure that you qualify for the credit under the income limits and repeat
home buyer tests. Note that you cannot claim the credit on Form 5405 for an intended
purchase for some future date; it must be a completed purchase. Home buyers must
attach a copy of their HUD-1 settlement form (closing statement) to Form 5405 as
proof of the completed home purchase.

10. What types of homes will qualify for the tax credit?

Any home that will be used as a principal residence will qualify for the credit, provided the home is purchased for a price less than or equal to $800,000. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats. The defi nition of principal residence is identical to the one used to determine whether you may qualify for the $250,000 / $500,000 capital gain tax exclusion for principal residences. It is important to note that you cannot purchase a home from, among other family members, your ancestors (parents, grandparents, etc.), your lineal descendants (children, grandchildren, etc.) or your spouse or your spouse's family members. Please consult with your tax advisor for more information. Also see IRS Form 5405.

11. I read that the tax credit is "refundable." What does that mean?

The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer a check for a portion or even all of the amount of the refundable tax credit.

Send A Thank You Card To Our Troops

Fri, 04 Dec 2009 13:26:05 -0800

Send A Thank You Card To Our Troops by clicking on the link below.

Go to www.LetsSayThanks.com . Choose a thank you card and Xerox will print it and send it to a soldier current serving in Iraq. Get everyone you know to do it also. Let's cover them up with our thanks!

Whether or not you support the war, I'm sure you support our troops. It only takes 10 seconds and it's FREE.

I Love My Home Too Much To.....

Wed, 18 Nov 2009 23:45:08 -0800

As I sat in the beauty shop the other night (I don't seem to have enough time to get it cut while the sun shines) my hair dresser was commenting on her condo and the trials she has been through with the economy the way it is and trying to make her payments on time.

Her condo is an apartment community conversion. Nothing really special...except to her. As she began to tell me how hard it has been for the last 18 months to keep making her mortgage payments and how she had been working with her lender to work out some payment arrangements when the unthinkable happened. A foreclosure notice was posted on her door.

As the story went, it was a 3-day holiday weekend and she had to wait 3 full days to call the lender and get the whole process stopped. The tears welled up in her eyes and her voice had a little catch in it as she told me how much her home meant to her. That she loved her home and it wasn't just four walls. It was her everything. Her security. Her comfort.

I asked what her equity position was. I loved her reply. "The unit beside me sold for 1/2 of what I owe on mine. But I'd never willingly give it up even though I owe twice what it is worth."

I almost teared up when I heard that. My passion is finding "homes" for people just like her. She made my day!

Those Vicious Pansy Eating Pigs!

Sun, 08 Nov 2009 00:19:15 -0800

Those Vicious Pansy Eating Pigs!

What do Pansies and Javelina Pigs have to do with each other?

Nothing, I wish. Every fall I plant lovely pots of Pansies to adorn my front yard. They are the only flower that I know of that can withstand the freezing and thaw of winter. You can sometimes find the flowers sticking out of the snow just blooming like crazy all winter long.

That is until the javelina pigs come through my yard in the dark of night searching for some tasty morsel of food.

The first year I planted lots of purple, blue and some yellow flowers. Their grunts would awaken me as they moved among the flower pots outside my bedroom window on cold winter nights. I'd rub the sleep from my eyes and just cringe as I heard the clatter of clay pots as they nibbled their way through my garden.

The next morning I'd survey the damage. As I replanted several times that first year I began to realize they only eat the blue and purple pansies. Hummmmmmmm. They don't like yellow ones. How interesting. I tasted each color myself but could not tell any difference in taste.

But you know what? I have only yellow pansies this year. Think I might have outsmarted those little rascals? Oh, I hope so.

The Mogollon Rim Is Payson's Backdrop

Sat, 07 Nov 2009 23:47:50 -0800

The Mogollon Rim is Payson's Backdrop.

Driving from Scottsdale on Highway 87 North, you'll find yourself right in the geographic center of the state, 4000 feet higher than Phoenix, and fifteen to twenty degrees cooler...no matter what time of year.

You're in the "Rim Country," a four-season vacation getaway that's well off the beaten path. Before you is a spectacular geological formation known as The Mogollon Rim (pronounced Muggy-own).
Once inhabited by the ancient Anasazi, this gargantuan 7000 foot high escarpment bisects the state from west to east for almost two hundred miles, and towers above the communities of Payson, Pine, Strawberry, Kohl's Ranch and Christopher Creek.

The Mogollon Rim marks the Southern edge of the Colorado Plateau. The plateau extends North and East into Utah, Colorado and New Mexico.

In our area the Rim is a result of uplift along the North side of an East - West trending fault and the removal of about 2500 ft. of Paleozoic age sedimentary rocks from the uplifted edge of the plateau.

Tonto Natural Bridge State Park Reopens

Sat, 07 Nov 2009 23:27:48 -0800

Tonto Natural Bridge State Park reopens after being closed seven months for park repairs. Beginning November 15, 2009 the park will transition to a five-day-per-week schedule and will be open Thursday thru Monday, 9-5 p.m.

The bridge is a geological 183-foot-high bridge which is made of travertine. The spectacular waterfall that drips from the bridge drops down into a 400-ft.-long-tunnel created by Pine Creek. Tonto National Bridge is located 10 miles north of Payson, AZ, on Hwy 87. Park entrance fee is only $4 per person. Children 7-13 are charged $1.

Home for Sale in Payson, Arizona Just Reduced

Fri, 06 Nov 2009 23:31:25 -0800

Home for sale in Payson, Arizona just reduced. Listed at $376,200.00

Located on a quiet cul-e-sac in an very nice established neighborhood is only one of the many benefits of this well maintained home. Expansive decks, finished basement, stone fireplace and well maintained are all terms that descripe this 3,900 sq. ft. home. The owners have moved on to better things, so this home is ready for immediate move in. Call Sandra Scott @ Four Seasons Realty to view this property.

First Snow in 2009 for Payson, Arizona 85541

Wed, 28 Oct 2009 22:49:52 -0700

First snow in 2009 in Payson, Arizona left much to be desired.

I heard it was coming! I got out my down jacket, snow boots, gloves and knitted cap. Then I went to Wal-Mart shopping.

When I started to exit, the Greeter announced "It's snowing in Payson, Arizona!" I ran out like a fool, looking at the sky and dragging my groceries behind.

Such a sight! At least 3 snow flakes streaked across the glow from the parking lot lights as my eager eyes looked for the mass of white stuff that dream are made of. Where is the snowman material?

But NO! Only a few flakes swirled in the night air as I ran to my car clutching my light jacket close to my body. #%$*&!

Foiled again. No collection of snow to ensure that school will be dismissed tomorrow, no collection of snow to drape across our Mogollon Rim, no collection of snow to watch the birds play in tomorrow morning. Just a few flakes swirling in the stinking parking lot lights at Wal-Mart and melting as they hit the concrete.

%$#!: I WANT SNOW!

Geronimo Estates in Payson, Arizona

Sun, 18 Oct 2009 10:34:59 -0700

Geronimo Estates in Payson, Arizona is a very small remote community surrounded by thousands of acres of National Forest. Located just off the Forest Service Road 64, it is South of Pine Arizona and North of Payson. Webber Creek (a seasonal creek) runs through the lower portion, with some homes backing to the creek.

From Payson, go North on Hw 87 through Payson. Turn East on Houston Mesa Rd (FR 199). Bear right when the pavement ends (about 10 miles) and travel about 6 miles to Geronimo Estates sign. Turn left and travel approimately 1 mile. You can take Hwy 87 toward Pine. Turn right onto FR 199 (3 miles short of Pine). Go 6 miles to Geronimo Estates Sign. Turn right and go approximately 1 mile.

Mountain view properties abound and the price range for homes and land range from the low's $40,000 to over $800,000. Deer and elk abound and the Ponderosa Pines stretch to the sky. Lovely forested mountains and wilderness can be seen from any location in Geronimo Estates. If you want remote, this is the place!

Homes for Sale In East Verde Estates, Payson Arizona

Sun, 18 Oct 2009 10:06:47 -0700

Homes for sale in East Verde Estates, Payson, Arizona are selling well.

Go North through Payson on Hwy. 87. Drive about 6 miles and look for the East Verde Estates directional sign on your right. Turn West and cross the bridge over the East Verde River. The community is about 1/10 mile further. Home prices range from the high $150,000 to $500,000.

This seemingly remote community of only a hundred or so homes is such a wonderful place to live full time, or purchase for a second home. East Verde Estates is a place where you can live & play, enjoying nature's bounty and the association of friends and neighbors.

East Verde Estates is nestled in the Tonto National Forest 5 miles north of Payson, Arizona. One reason people buy in East Verde is their love of animals and the forest. Living in East Verde, wildlife becomes a part of your life.

The experience can be very rewarding such as bird watching, observing raccoons, coyotes, javelina, deer, skunks and mountain lions. For $50 a year (HOA fee), you can attend many special events, utilize the clubhouse and browse in our own Library

Rim Country Literacy Annual Book Sale

Sun, 18 Oct 2009 08:35:22 -0700

Rim Country Literacy Annual Book Sale was held on Saturday, October 17, 2009. Piles of gently used books of every description and topic have been pouring into our local office for the past 12 months in anticipation of Saturday's event. The funds raised are used to further Rim Literacy's outreach to the citizens of Payson who would benefit from tapping into the great wealth of knowledge and experience our volunteers freely share.

Two of our current prograns include tutoring for GED and one-on-one help in learning English as a second language. We are currently helping students with Tonga, Russian, Italian, German, Korean, and Spanish. Quite a diverse collection of needs for a small town of only 15,000 fine, upstanding citizens. Literacy also has an outreach program in the local elementary schools for story telling. The youngsters have a lot of fun listening to our volunteers sharing stories of great adventure in the big, big world they don't yet know.

So if you have a few books to donate to a worthy cause, we'll have another one next year. Always held in the Wal-Mart parking lot on Hwy. 87 on a Saturday morning in the middle of October. Come and select as many books as you can carry away and simply make a donation of any amount. Read them and we'll take them back as a donation next year and recycle them back into our community

Oldest home in Payson, Arizona

Wed, 07 Oct 2009 22:43:35 -0700

The oldest home in Payson, Arizona is sod and was built in 1882. It can be seen at 505A W Main St. And was built of mud to make sure it would not be burned down in an indian attack.

Payson, AZ, is located just 80 miles north of Scottsdale and is surrounded by 3.9 million acres of National Forest.

Payson was founded around 1870. and has an elevation of 5,000 ft.

A River Runs Through The National Forest

Sun, 27 Sep 2009 17:37:32 -0700

A river runs through the National Forest on my way to one of my remote listings in Geronimo Estates. Lucky me gets to drive through the East Verde River as it runs South towards Phoenix every time I go out to check my flier box. Sometimes there are elk or deer drinking when I pass by. Today I could see fish jumping near the banks. Too peaceful...

Strawberry Hollow Lot For Sale, Pine, Arizona

Tue, 22 Sep 2009 00:16:03 -0700

Strawberry Hollow Lot For Sale

Some clients of mine came up this weekend and wanted to look at all lots in Strawberry Hollow. They have a vision of building a log cabin large to gather the entire family on holidays.

So I began pulling all the listings in the subdivision along with plat maps and County records on the property. There are only six for sale, so it didn't take very long. But the thing that began to take shap in my mind was how one property was like a little jewel, sparkling so much brighter than the others.

The perfect view, tall pines on the lot and located on a cul-de-sac. And priced at only $130,000 it did appear to be priced competatively. And such an easy build...OK, maybe I should buy it myself.

Jake's Corner and Tonto Basin, AZ 85553

Mon, 21 Sep 2009 23:54:01 -0700

Jake's Corner and Tonto Basin are a joy to visit.

Located 15 miles South of Payson, just 3 miles South from where Hwy 188 and Hwy 87 intersect is a tiny little bump in the road called Jake's Corner. If you saw Jake's Corner, The Movie you'll recognize the buildings and even some of the "regulars" who played themselves in the movie.

You'll miss Jake's Corner if you blink, so hold those eyes wide open and you'll see some interesting things. Jake's Corner appears to be a bar (Jake's Corner Bar, of course), a grocery store and a small RV Park. But it is much, much more.

During the settling of Arizona, it was one stop on the stage coach line from Phoenix to Flagstaff. I can just imagine the weary, dusty travelers who were ready for some dinner and maybe a glass of fresh buttermilk when that stagecoach pulled up to the Jake's Corner stop.

Old Fort Reno is just down the road and you can still see the rock wall the soldiers built for one of the dwellings.

Hwy 188 then meanders South through Punkin Center, Tonto Basin and past Roosevelt Lake on its way to Globe. If you'll look sharply after passing the lake and you'll see Indian ruins off to your right half hidden in the low hills. Quite a nice ride, especially on a Harley.

Be sure to stop along the way and enjoy the majestic cliffs that are a backdrop to Lake Roosevelt and wave back to the friendly folks that will be waving to you as they pass.

How Can I Buy Second Home in Payson Arizona

Mon, 07 Sep 2009 11:06:44 -0700

I've been attending some renewal hour classes this last month and have learned a few "trick of the trade" so to speak to get some loans done that I thought were out of the questions.

FHA seems to be the loan flavor of the month, and many lenders are conducting classes to teach REALTORS some of the possibilities with these loans...got to capture those buyers with any rope available.

The newest angle is to purchase a second home with an FHA loan. Although FHA says you can't have TWO FHA loans, there are some exceptions. One of them goes like this...if only one spouse in the union owns the primary residence (the second spouse is not on the loan or on title). And providing that the second spouse can qualify for the loan without counting the income of the other, they can get a loan on the second home through FHA. Slick!

Payson, Arizona is a second home community just one hour north of Phoenix with a climate of four mild seasons. Population is 15,000 wonderful folks, surrounded by 3.9 million acres of Ponderosa Pines and tucked just under the Mogollon Rim. Hiking, camping, fishing, and just relaxing are our primary attractions. So you guys that are suffering from the heat just south of us, come on up! Great prices on second homes in Payson and the selection is fantastic.

When you're buying or selling real estate, don't forget to remember me!