Homes With Sheryl Blog

Great Home Values

Sheryl Robinson (Home Key Realty) — Thu, 03 Dec 2009 14:23:23 -0600

We Received Your Payments On Time but are Foreclosing Anyway!

Sheryl Robinson (Home Key Realty) — Sun, 15 Nov 2009 11:03:46 -0600

Via Larry Bettag - Cherry Creek Mortgage:

I'm really seeing something wierd going on here:

Mortgage Compaines blowing up.

Mortgage companies thriving.

Clients are making the shift. Big box lenders are so big that they're collapsing on top of their own clients.

I'm dealing with a top three lender rignt now...

As an Attorney!

I've been contacted by the client. The lender had been accepting the mortgage payments, cashing them in and, oh yes.....reporting to the credit bureaus that they hadn't made a payment for nine months and therefore the big box lender began the foreclosure process.

I've spent hours upon hours with the client getting disconnected repeatedly. I'm an attorney looking to help my client, but many disconnections....we called again and again and the bank representative gave us their name and number. Each time we'd call back and invariably each extension was invalid, or surprisingly enough, "Crystal doesn't work at this extension."....can you say....

C'mon now!!!!

I call the president of our company and told him of the fiasco. He found a high up contact in that top three fortune 500 mortgage company to investigate the my client's allegations. What's such an paradox is that they're suing a client for foreclosure claiming that she's failed to make payments. In the mean time she's provided all the statements and cancelled checks to prove that she's never been late with them. As an attorney, I've told her that she has a cause of action against this mortgage company since they they're destroying her credit by reporting he not only as late, but also in foreclosure when the proof is contrary.

But Now??? How about an Update!!!!!

The latest as of this week???? This big box today agreed....to an extent and said the following...

We acknowledge that you've made your payments and made the payments on time. We just don't know where the money is within our company.

Are You Friggin Kidding Me!!!!! That's one caring mortgage company.

"We acknowledge that you've paid on time, but we're not ready to clear your credit or stop the mortgage foreclosure until we can figure out what we did with your money?"

There's a Major Shift Gooing on with Consumers now!!!!

Mortgage Companies are shooting up the list of the top 100 even in a market when big box lenders are collapsing and more are poised to collapse, great companies are rising to the top. Why? Because consumers are begging for someone to care about them.

It used to be that consumers wanted the lowest rate on the block. Now they want a good rate, a really good rate, but for the biggest financial transaction of their lives, they'll trade a little rate to have qualified people investing in their families. They want a relationship. They don't want crappy service for a lower rate.

There are a lot of great companies out there that offer great rates and exceptional service. They might not be the lowest rate in town, but they're fair and they will create a relationship with the client that will inevitably end up with a client for life. Big box???? Transactional, not relational. I'm sorry, I'll take relational over transactional any day. It may not be the cheapest rate in town, but to the client, it's a lot more cost effective. And with the biggest investment in your life isn't it good to have a relationship as well as a point of contact?
Larry Bettag - Regional Vice President, Midwest Region

Illinois FHA Specialist

630-417-7172

An Illinois Residential Mortgage Licensee

Single Level Home for Sale in Superstition Springs - Mesa AZ

Sheryl Robinson (Home Key Realty) — Mon, 28 Sep 2009 12:47:17 -0500

Great Home Close to Shopping & Freeway
Type: Single Family Home
Location: 7127 E LAKEVIEW AVE, Mesa, AZ 85209
Bedrooms: 4, Bathrooms: 2 full, 0 half, 0 three-quarter bath
Price: $230,000
Description: Beautiful curb appeal greets you as you drive up to this home. The front door opens to the family room which is open and spacious with views to views to the landscaped back yard. The Kitchen features an island and granite counter tops - wood flooring, tile and carpeting throughout the home. Professionally decorated with neutral colors used. Cabinets in the garage & sun shades. Plenty of fruit trees including lime, peach and orange!

Visit www.HomesWithSheryl.com for more information.

Contact Information:
Sheryl Robinson
Home Key Realty
18711 E Pine Valley Drive
Queen Creek, AZ 85142
Phone: 602-614-0416
Fax: 480-248-2155
Email: sherylrobinson@NUMBER1EXPERT.com

Great single level home in Chandler AZ for sale with a pool.

Sheryl Robinson (Home Key Realty) — Mon, 28 Sep 2009 12:42:40 -0500

Great Chandler Home with a Pool
Type: Single Family Home
Location: 622 W Crofton St, Chandler, AZ 85225
Bedrooms: 4, Bathrooms: 2 full, 0 half, 0 three-quarter bath
Price: $225,000
Description: Fantastic curb appeal greets you at this home with a spacious walkway to the front door. Inside the home there is 4 bedrooms, 2 bathrooms and den/ play room. The kitchen is open to the living and dining room areas and has updated cabinets and counter tops with black appliances. New roof installed in 2006. The Diving pool was remodeled in 2006 and has all newer equipment. New A/C in 2008 along with additional 8 inches of blown in - insulation. In 2008 the RV gate was replaced along with new low E windows installed. This home has it all and easy maintenance landscaping in the front and the back yard. The refriderator in kitchen conveys in sale of home.

Visit www.HomesWithSheryl.com for more information.

Contact Information:
Sheryl Robinson
Home Key Realty
18711 E Pine Valley Drive
Queen Creek, AZ 85142
Phone: 602-614-0416
Fax: 480-248-2155
Email: sherylrobinson@NUMBER1EXPERT.com

Paradise Valley Townhome Listed for Sale at $124,000

Sheryl Robinson (Home Key Realty) — Mon, 28 Sep 2009 12:34:12 -0500

Great Paradise Valley Townhome
Type: Townhouse
Location: 7008 E Gold Dust Ave #219, Paradise Valley, AZ 85253
Bedrooms: 2, Bathrooms: 2 full, 0 half, 0 three-quarter bath
Price: $124,000
Description: Superb location in the heart of Scottsdale with a Paradise Valley zip code. The refridgerator,washer & dryer convey in the sale of home. This gated community has 2 heated pools, BBQ area & ramadas. The condo has a split floor plan with valulted ceiling, both bedrooms have walk in closets and there is a private balcony for outside relaxing.

Visit www.HomesWithSheryl.com for more information.

Contact Information:
Sheryl Robinson
Home Key Realty
18711 E Pine Valley Drive
Queen Creek, AZ 85142
Phone: 602-614-0416
Fax: 480-248-2155
Email: sherylrobinson@NUMBER1EXPERT.com

Just Listed for Sale a Great Single Level Starter Home in Mirador Estates - Gilbert AZ under $140,000

Sheryl Robinson (Home Key Realty) — Mon, 28 Sep 2009 12:25:57 -0500

Great single level starter home
Type: Single Family Home
Location: 1018 E Arabian Dr, Gilert, AZ 85296
Bedrooms: 3, Bathrooms: 2 full, 0 half, 0 three-quarter bath
Price: $129,000
Description: Clean and comfortable single level home in Mirador Estates - Gilbert, near all the amenities you will need. This home features a split floor plan with fresh neutral custom paint, tile and carpeting throughout. The living room and dining room are open and spacious with an open walkway to the kitchen. The master bedroom has an en-suite master bathroom with a good sized walk in closet. In the garage there is custom built cabinetry, making for great storage. Quick close available in time for the $8000 first time home buyers tax credit for those who qualify. Take a look at the pictures and judge for yourself. NOT a bank owned foreclosure.

Visit www.HomesWithSheryl.com for more information.

Contact Information:
Sheryl Robinson
Home Key Realty
18711 E Pine Valley Drive
Queen Creek, AZ 85142
Phone: 602-614-0416
Fax: 480-248-2155
Email: sherylrobinson@NUMBER1EXPERT.com

Just Listed For Sale in Laredo Ranch - Queen Creek AZ 85140

Sheryl Robinson (Home Key Realty) — Mon, 28 Sep 2009 12:19:51 -0500

Over 2100 sq.ft with a 3 car garage
Type: Single Family Home
Location: 4371 E Austin Ln, Queen Creek, AZ 85140
Bedrooms: 3, Bathrooms: 2 full, 1 half, 0 three-quarter bath
Price: $165,000
Description: Beautifully maintained single level home in Laredo Ranch with over 2100 sq.ft of comfortable living space and a 3 car garage for all your parking and storage needs. This home was constructed in 2006 by Taylor Morrison Homes and has been well looked after ever since. Beautiful tile floors greet you at the front door and extend down all the hall ways, into the kitchen and in both of the bathrooms plus the powder room and laundry. Neutral custom paint has been used through out the home which features a beautifully upgraded kitchen with granite counter tops, under mounted stainless steel sink, staggered cabinets, kitchen island and black appliances. This home has a split master bedroom floor plan and a separate living room and family room all under 9' ceilings.

Visit www.HomesWithSheryl.com for more information.

Contact Information:
Sheryl Robinson
Home Key Realty
18711 E Pine Valley Drive
Queen Creek, AZ 85142
Phone: 602-614-0416
Fax: 480-248-2155
Email: sherylrobinson@NUMBER1EXPERT.com

When selling your home - keep this in mind...

Sheryl Robinson (Home Key Realty) — Wed, 16 Sep 2009 12:12:59 -0500

When selling your home - keep this mind...

Here is a scenario -- for sellers to avoid. You contact a real estate agent to list your home and the agent suggests that you might get more for your house than comparable homes on the market. The agent assures you that it only takes finding one person who is willing to pay your price! (And in our current market - I don't know where that sort of person is???)

Some agents approach a listing appointment as if they are bidding for your home. The unfortunate result is that you start out with an unrealistic opinion of your home's value. There is often a strong temptation to work with a person who says what you want to hear. An experienced, reputable real estate agent will back up their opinion of your home's value with hard data. The agent should give you information about the listing price of homes that are currently on the market, and recent selling prices of similar properties in your immediate area.

Even the most heroic marketing efforts won't work on a property that is obviously overpriced, (except in the most exaggerated of seller's markets.) Even if you find a buyer who is willing to pay more than your home is worth, the sale could fall apart when the appraisal comes in lower than the agreed-upon price. Listen to everything, but be careful!

If you are considering selling you home - please feel free to email or call me -- I will provide up to date information on the local area where you house is - and provide you honest answers - even if it will have you saying ouch...

Short Sale Article in East Valley Tribune

Sheryl Robinson (Home Key Realty) — Sun, 13 Sep 2009 10:08:38 -0500

This is an article in the East Valley Tribune about short sales and the market. I, along with Tara Bianco was interviewed by Ed in regards to what we are experiencing in this market.

Publication: East Valley Tribune;

Date:Aug 21, 2009;

Section: Chandler News;

Page Number: SA6

2nd quarter past-due loans, foreclosures break records

Arizona again among 4 states with highest rate

By EDWARD GATELY TRIBUNE

The national mortgage delinquency rate rose to a seasonally adjusted 9.24 percent of all loans in the second quarter, while Arizona continued to lead most states in distressed mortgages, according to the Mortgage Bankers Association's National Delinquent Survey.

    The national rate was up 12 basis points from the first quarter and 283 basis points from a year ago.

    The new rate breaks the record set last quarter.

    The rate includes loans that are at least one payment past due, but does not include loans somewhere in the foreclosure process. The percentage of loans in the foreclosure process was 4.30 percent at the end of the second quarter, an increase of 45 basis points from the first quarter and 155 basis points from a year ago.

    "The states of California, Florida, Arizona and Nevada continue to have a disproportionately high share of foreclosure starts, although the share has fallen slightly from last quarter," Jay Brinkmann, the association's chief economist, said in a statement. "Those four states had 44 percent of all the nation's new foreclosures during the second quarter of this year, down from 46 percent in the first quarter."

    The percentage of loans 90 or more days past due and loans in foreclosure both set new record highs, breaking records set last quarter.

    Sheryl Robinson, associate broker at East Valley-based Home Key Realty, said the evidence is everywhere that more homeowners are in financial duress and looking for help. All of her time is spent helping distressed homeowners avoid foreclosure through short-sales.

    "There are a lot of good people in bad situations that are facing this and are having to make some tough decisions on what to do to avoid foreclosure, and one of the options they can take is a short-sale," she said. "The lender wants to see that the people have tried to get a loan modification and exhausted that option. The banks want to see that they've attempted to do a short-sale as opposed to a deed-in-lieu (give the property back to the lender)."

    In a short-sale, the homeowner sells the mortgaged property for less than the outstanding balance of the loan and turns over the proceeds to the lender(s), usually in full satisfaction of the debt.

    "A lot of people are calling sooner to say, ‘Look, I think I need to short-sale so I don't have to have a foreclosure,' because a lot of people would rather avoid that at all costs," Robinson said.

    More people are choosing to walk away from homes, and not because they can no longer afford them, said Tara Bianco, senior loan officer at AmeriFirst Financial in Mesa.

    "There's individuals in neighborhoods who are looking around and they're $125,000 upside down and they're trying to make that decision of ‘Why am I going to continue to make payments on a house that I'm so far upside down in? My neighbors have been able to renegotiate their mortgage or have allowed their home to go into delinquency in hopes of a modification of some sort,'" she said.

    Homeowners who bought their homes in 2003-04 in the outlying areas of the East Valley are significantly upside down, and they're calling to find out what the adverse effects are if they choose to walk away, Bianco said.

    "There's still a lot of people trying to figure out if there's an opportunity to leverage the market if they are upside down in their home," she said. "Can they afford to buy another home and hopefully make some money on that house to offset the loss they're going to suffer on the house they're in," she said.

    "But it's becoming increasingly difficult to do that. The banks are working together ... to prevent people from buying new homes and walking away from the homes they're in."

EVTRIB.COM

Why live in Spectrum in Gilbert, Arizona?

Sheryl Robinson (Home Key Realty) — Sat, 12 Sep 2009 10:26:40 -0500

Why live in Spectrum in Gilbert, Arizona? Here is what Souzanne and her girls have to say about the Spectrum neighborhood...

"My girls and I like living in Spectrumbecause it provides a great sense of community. Most residents have young families and the community provides many family activities such as petting zoos, carnivals and community movie nights. The girls like living near the elementary school. Gilbert Public Schools, by the way, is one the best districts in Central Arizona. We like the Spectrum community and hope to stay for quite some time."

Souzanne & her girls

Spectrum residents...

Why live in Power Ranch in Gilbert Arizona?

Sheryl Robinson (Home Key Realty) — Sat, 12 Sep 2009 10:17:58 -0500

Why live in Power Ranch in Gilbert, Arizona? Here is what Tom and Nan, a local couple, have to say about why they choose Power Ranch, a three time award winning master planned community located in Gilbert Arizona.

"We bought our house in Power Ranch because when we were looking for a home it was the first house we saw that had lots of windows and I could see all the way to my backyard from any of the windows. We liked the many walkways and paths and the two swimming pools in the Power Ranch neighborhoods. This meant we could swim without the upkeep of our own pool. We also liked the tree lined roads and after a while our neighbors have all become close friends and in good weather we spend more time out front with them than in our back yard. There are many activities to choose from and now the YMCA is another plus."

Tom & Nan

Power Ranch Residents

There are 66 homes currently available for sale in Power Ranch starting at $109,900 going all the way up to $789,900 for a home over 6000 sq.ft with a pool. 37 of the homes are priced under $200,000 and of the 66 homes available, 7 are bank owned. For a free list of homes available for sale in Power Ranch send me an email request and I will return the information including prices and pictures.

Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ - Part 6 - Condition is Important

Sheryl Robinson (Home Key Realty) — Wed, 26 Aug 2009 15:13:09 -0500

When selling you home as a short sale... YES condition IS important. Part 6

Here we are at 6 of this 7 part series…I want to stay on the aspect of getting the buyers offer we need to begin dealing with the banks--- with short sales there are many challenges and hurdles to deal with – that being – getting the financial and personal information gathered for the short sale package – however there is the middle part that is sometimes overlooked that is also equally important in it’s own right – which is getting the buyers offer – once we have the buyers offer then the next aspect of my services come into play which is to begin dealing with the lender in working towards an approval.

However if the home is not being is not attractive to buyers and not being shown – we will not get to dealing with the banks in a timely manner – and lets face it with every short sale there is a ticking clock to keep in mind…with that being said

Many homes that are offered on the market as a short sale would benefit from some level of home staging. Home staging simply put is to look at your home through the eyes of a buyer. It is not always necessary to have a professional home stager as this would be an added cost and that is not the goal to spend any more money than required. There is enough programs on HGTV and a multitude of magazine articles and a plethora of advice to be found on the Internet regarding this subject. And just because a home is on the market as a short sale – as I have said before - does not mean price is the only thing to consider when trying to appeal to a home buyer. When you are looking to sell your home via short sale and make your house as attractive as possible so it will be appealing to potential buyers – here are a few thinks to consider-

Keep the home in pristine condition – if beds are unmade, toys are scattered about and the kitchen sink full of dirty dishes sometimes many buyers can’t see past this sort of thing. Moreover, some buyers begin to worry that is the home is in disarray during a showing, the sellers may trash it before they move. Remember buyers by on emotion and if they are getting bad vibes they will move on the next home on their list and forget about yours.

Again we need the buyers contract to begin working with the bank – without it we do not pass go to the next step in the short sale transaction. In the next article we will discuss what happens once we have a solid buyer offer, the elements of a short sale package and touch on what happens once we begin dealing with the banks.

Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ - Part 5 - A Picture Paints A Thousand Words

Sheryl Robinson (Home Key Realty) — Wed, 26 Aug 2009 14:56:49 -0500

Always have your agent take multiple pictures when short selling your home in Gilbert, Chandler or Queen Creek…part 5

In this post we discuss pictures and presenting the house in the best light possible. We briefly touched on this in article 3, however I feel the need to delve into the topic deeper.

I’ve heard a picture paints a thousand words. People need pictures to decide if a home is worth viewing. When potential buyers are surfing the Internet for homes that is the number one thing they look at. Remember most home buyers make a decision on whether to consider a home for purchase within the first few minutes of viewing a home online.

When a home is advertised with little or no pictures it really is a disservice to the sellers, buyers and the home. I have seen many homes for sale where the marketing plan for a short sale is only price. It is important to show your home in its best light. We have had many buyers skip buy homes due to a lack of a set of good pictures and limited descirption. If over 80% of buyers find their home on the internet, then what do they see when they stumble upon yours listed for sale. Do they click by, or do they spend a little time viewing the pictures and envisioning themsleves living there?

Think about it like this – today’s home buyer lives a very busy life and he/she can be very selective in decided which house he/she will take the time to see. With the availability of the Internet, people will often rule out houses by looking at the pictures made available online. You as a home seller might be thinking ‘Why should I put a lot of effort into this home that I will be soon be leaving behind?’ As I have said before in earlier posts – the goal is to sell the home to avoid a foreclosure on your credit.

The goal is to make the home as attractive as possible to get a buyer contract sooner rather than later so the process of negotiating the sale can begin with the bank to obtain short sale approval. By giving a little extra effort in this area – you will be putting yourself in a better position to finding a buyer for your home.

The goal here is to do the best in helping you put the house behind you so you can get on with you life and building a better future for yourself and your family. A Real Estate agent may not be able to help with all aspects of your future but they can help on the real estate needs.

Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ - Part 4 - The Buyers Point of View

Sheryl Robinson (Home Key Realty) — Thu, 20 Aug 2009 22:30:13 -0500

Strategies for Short Sales Properties in Gilbert, Chandler and Queen Creek AZ - Part 4. In part 4 of this article we take a look at things from the buyers point of view as well. There are many, homes on the market for buyers to view and in the 100 degree plus heat of the Arizona summer, if a home has no electric on and therefor no air conditioning, viewing these homes is hot work.

Its a fact of life that people will sometimes take the path of least resistance. If it is difficult to show a home or a seller makes it difficult to allow potential buyer to view the home – they might pass that home by, especially if they have other options. When your home is on the market as short sale, sellers need to do their best to be flexible in showing the home to potential buyers. When a buyer agent calls to make an appointment be ready to work out a time that works for everyone.

Do your part to make the home ‘sparkle’ when potential buyers are coming to view the home. Make the home ‘feel’ as welcoming as you are able. Buyers use their 5 senses of smell, sight, sound, touch and taste when viewing homes. Basically your home must smell and be pleasing the buyer’s eye. Soft calming music in the background can be relaxing, people like to touch things they are looking to buy, and a bowl of mints is a welcoming gesture. Out of all these - smell is probably the most important – as it is my experience working with buyers - no matter how visually clean and beautifully staged a property may be, if there is an unpleasant odor it will turn the buyer off with every breath they take.

When possible leave the home when it is being shown. Many times it is hard for a potential buyer to relax and really ‘see’ the home when the homeowners are there. Sometimes a potential buyer feels guilty knowing there is hardship behind the short sale and that if the homeowner didn’t have to move they wouldn’t. I feel that a short sale can be a win / win for all involved. If approved by the lender – the short sale will help the seller avoid a foreclosure against their credit and the buyer’s get to buy a new home. And the surrounding area has avoided another foreclosed home going up for sale in their neighborhood.

Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ - Part 3

Sheryl Robinson (Home Key Realty) — Tue, 18 Aug 2009 23:25:59 -0500

Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ. In part 3 of this series of common mistakes of short sellers – I want to talk about the marketing plan needed to sell a short sale home.

Just because you are upside down on your home does not mean that an inferior marketing strategy should be used... should it?

Some believe pricing alone will sell a home when listed as a short sale, and this is the foundation of their marketing plan. Many times it's the only thing done and nothing can be further from the truth. I believe in advertising a home all the ‘usual’ steps need to be followed in selling a home regardless of what type of listing it is. I believe a home should be marketed to the widest possible pool of buyers. When I list a home as a short sale – I focus on the home, not the fact that it is a short sale. I will ask homeowners to do what they can to make the home ‘sparkle’ and take as many pictures as possible with my wide angle lens camera. A virtual tour will be created to show case the home. The property will be "showcased" on Realtor.com as well as all the major websites including the direct email marketing plan I run. The home will be featured on my website along with other agent websites - that I have ‘handshake’ agreements with to feature my listings. I pay particular attention to providing the best remarks about the home in the Multiple Listing Service. I will state the home is a short sale in the area prescribed per the Multiple Listing Service rules and regulations; however I refuse to make that the only aspect of my description of the home.

Too many times I see the verbiage ‘short sale opportunity or ‘take advantage of this short sale. I feel that is doing an injustice to the home. I believe the price should be reasonable and the home deserves the same type of treatment as any other listing, after all the bank will be looking for the most amount of money possible and if the home is presented in a "good light" then it will attract more buyers to it who see value in the place.

Once the paperwork is all together for the short sale – my clients home will be put in to my marketing machine which is to get the news of their home to potential buyers. Because when it is all said and done we need the buyers purchase offer so I can begin dealing with the banks to work towards getting an answer on the short sale approval of their house. Yes we can and will lower the price of the home to procure a contract in a "reasonable amount of time" if required and get the process started with the bank, however with the correct marketing and presentation of the home we may not have to wind list price back to far in order to find a buyer.

Banks charging home seller for the BPO's??

Sheryl Robinson (Home Key Realty) — Mon, 17 Aug 2009 17:28:45 -0500

I have now seen this twice and I have a sinking feeling I will see this more...Banks charging the homeowner for the BPO and or appraisals being preformed when homeowner is short selling their house. The latest I have seen comes from First Bank of Tennesse advising the homeowner that thier account will be charged fro any necessary current valuations to a maximum of $750 dollars --- has anyone heard of a case where a homeowner has been able to dispute this successfully and not be charged or be reimbursed? Curious of other people's experience on this...

Strategies for Short Sales Properties in Gilbert, Chandler and Queen Creek AZ - Part 2

Sheryl Robinson (Home Key Realty) — Sun, 16 Aug 2009 16:27:28 -0500

Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ in part 2 we will examine what a seller should be looking for in an agent when looking to sell their via short sale…a few questions that a seller will want to ask and what they should expect from their agent.

Sellers should ask their Realtor to first and foremost to explain what a short sale is. Many people have the basic idea of what a short sale is, however there is a lot of misconception about the process. The more a seller understands about the ins and outs of the short sale process the better informed they will be and more importantly, better prepared to handle the curve balls that are thrown from both the banks and the buyers. If said agent can't explain a short sale and communicate it clearly, there may be a problem down the road as the short sale process involves more than simply listing the home for sale.

A homeowner looking to sell their house via short sale should feel confident with the agent they choose.

There is a process with short sales and I have a system that I follow with all my short sale clients. I provide my sellers with step by step detail of what can and does sometimes transpire throughout the process. As an experienced agent working in the short sale arena I can share with my client what most lenders require from the homeowner, what sort of documentation they will expect a homeowner to provide. It is also important to share with my clients that many times there may be extraordinary and frustrating circumstances related to working with the lender on short sale. They can expect to continue to receive calls from the lender as we move forward in the process, even after the lenders have received the short sale package and it has been assigned. I then create a web page for each person I help so they can see status updates on my progress with the lender at any time as we move towards an answer from the lender.

The "short sale package" that is submitted to the bank is extremely important. This must be professional and organized in a way that makes sense to the lender and person the file is assigned within the short sale department of banks. When I sit down with my clients on that first meeting – we usually spend at least 1 to 2 hours together to ensure I have a clear understanding of their situation, because each one is unique and different. It is my goal that my clients know that I am here for them throughout the whole process and I will make every diligent effort to obtain a short sale approval from the lender on their behalf. When an agent just says to a client that they will send everything out via email, asks a client to send in their own pictures of the house and never meets them face to face – I don’t see how an agent and seller can truly be on the same page in working together on the short sale approval.

There is sometimes a lot of emotion behind the short sale and I want to be there for my clients, because I know there are a lot of good people in bad situations. Circumstances many time beyond their control has brought them to this decision and I feel to represent them I need to have a full understanding and knowledge of that.

Pricing Strategies for Short Sale Properties in Gilbert, Chandler and Queen Creek AZ - Part 1

Sheryl Robinson (Home Key Realty) — Fri, 14 Aug 2009 23:58:26 -0500

The Short Sale and Foreclosure market in Gilbert, Chandler & Queen Creek AZ is on fire right now. To sell a short sale one must have a good pricing strategy. It can’t be too high, can’t be to low it needs to be just right. Short sale properties should be attractive to potential buyers to procure showings and ultimately a purchase offer from a buyer. However it needs to be pleasing to the lender(s) that ultimately make the decision to approve the file. Upon an offer acceptable to lender(s) and the agreement notice sent out per the short sale addendum, then begins the standard escrow. During this time it begins to feel almost like a regular transaction. Once past the inspection period – then the purchase price needs to line up with the appraisal value.

How can you be sure to price a property correctly? I believe it is important to research the comparable homes in the nearby area.

When doing this I use the following criteria:

-Stay in same subdivision and within a mile radius of the home

-Research properties most similar to subject home ie: similar square footage, bedroom count, pool or no pool etc.

-Research back 3 months when possible to find sold comparable homes to ensure the most recent data from the Multiple Listing Service.

Once I have this information I prepare a market summary for the homeowner so I can provide the needed information for them to make a decision on price. I recommend pricing at or slightly above market value, if needed we will adjust the price periodically until a buyer offer is produced. Once there is an offer that my clients are confident to move forward with I get everything together to send in to the lender. Along with the full short sale package, I also provide the lender(s) with a market summary so they can have a better understanding of the local area and why this is a good offer on the property. This is just a small piece of the puzzle to selling short sales…stay tuned for part 2 in this 7 part series.

Chandler, Gilbert, Mesa & Queen Creek Foreclosure Home Inspector is Your key To A Quality Home

Sheryl Robinson (Home Key Realty) — Wed, 12 Aug 2009 23:37:54 -0500

With so many of the homes in Chandler, Gilbert, Mesa and Queen Creek being bank owned foreclosures, you need a home inspector that knows his stuff if your thinking of buying one. There is no doubt that you can get a great "deal" when buying a foreclosure property in the Phoenix Valley right now, however as these homes are bank owned and the bank has no knowledge of the property or its condition you as a buyer will not receive a "Sellers Property Disclosure Statement" as you would normally get when dealing with a traditional home seller. With out this information you are buying a home with out knowing its full history and as every bank is going to insist you buy the home "AS-IS", the person you decide to inspect the home for you had better know their stuff !

Home Advantage Home Inspection has the experience when it comes to inspecting bank owned homes, in fact owner, Orlin is inspecting bank owned properties at a rate of 10 bank owned homes to ever 1 traditionally sold home right now. "Most of these homes have a sad story behind them and the old home owners financial distress often shows in many of these homes with the condition being less than desirable more often than not."

Buying a home is one of the most important financial decisions that you'll ever make. Careful consideration of all of the available information must be made. While the home that you have found may appear to be everything that you are looking for, there may be potential issues and/or defects that you are not aware of. Those defects may be both costly and dangerous to you and your family in the future.

Home Advantage Home Inspection takes the stress out of this process and gives you peace of mind to know if you should move forward with the purchase of a home, especially if it is be bought AS-IS. There are many components that make up a home from the foundation to the roof, the air conditioning unit to the hot water heater, everything needs to be inspected and tested to ensure correct function.

"You would be amazed at some of the things I find" says Orlin. "I could write a book on the weird stuff I find during the course of my inspections. There is the usual stuff such as poorly installed insulation and Low E windows installed the wrong way around both of which will guarantee higher than normal utility bills. Security issues with dead bolts appearing to function correctly, but not engaging correctly allowing the front door to be opened with very little effort. Foundation issues and settling are common on homes in this area due to expansive soil conditions in this area. All that stuff is not unusual though. I have found some "strange" additions to homes. Secret rooms and stripper poles fall into that strange category" Orlin says laughing.

Home Advantage Home Inspection makes it easy for you to order an inspection and has a very reasonably and easy to understand menu of prices depending upon the size of home to be inspected. You can even schedule a pest inspection at the same time with the click of a mouse button. Home buyers are encouraged to attend the inspection once the job is completed to go over what has been found so explanations can be given and concerns addressed. A full report is then compiled including photographs of key items found during the inspection process and sent over to the buyer for their records.

If you are thinking of buying a home in the near future, make sure the team you use to assist you with that purchase has what is required to get the job done. Home Advantage Home Inspection should be part of that team. Now go buy a bargain on sale while stocks last.

Call Orlin on 480-294-5673

or on the web:

Home Advantage Home Inspecion

Queen Creek Cactus Fiesta 2009 - August 22nd 2009

Sheryl Robinson (Home Key Realty) — Wed, 12 Aug 2009 10:27:27 -0500

The town of Queen Creek - AZ will be hosting its annual Cactus Fiesta in the Zane Grey at the Queen Creek Library on Saturday August 22nd from 10am to 12pm. Come and learn about the rich splendor of the desert environment at the Neighborhoods in Bloom Cactus Fiesta.

This is a free public event will offer residents an opportunity to learn about the beauty and life of the Sonoran desert and to learn about low-water landscape and plants native to the desert. Cactus Fiesta also includes a variety of children’s activities, door prizes and vendor displays. This year's speaker is Paul Wotlerbeek of the University of Arizona's Boyce Thompson Arboretum.

The Town of Queen Creek is looking for landscape, garden and green industry vendors specializing in low-water landscape and plants native to the desert to exhibit merchandise and answer questions at its annual Cactus Fiesta!

For more information about the upcoming 2009 Cactus Fiesta, contact Neighborhood Preservation at 480-358-3003.

Dekker Financial of Chandler AZ has Expert Tax Strategies & Estate Planning For Your Individual Needs

Sheryl Robinson (Home Key Realty) — Mon, 10 Aug 2009 23:54:19 -0500

Based in Chandler, AZ - Dekker Financial has Tax Strategies & Estate Planning For Your Individual Needs. Meredith Dekker is the sole owner of Dekker Financial. She has been advising clients in the business for over 8 years now and is always aware of the opportunities to help people reach their goals and dreams of financial peace and security. She is committed to working with other qualified professionals to serve and coordinate all your personal and business financial planning needs.

Merediths continued desire is: "To build a relationship with my family, friends, clients and community to help them utilize the gifts they are given to fulfill their purpose and dreams and to overcome their fears." The mission statement of her company is at the core of her beliefs and the foundation for how she treats people.

Financial business services offered are:

Accumulation

-How to target asset growth

Retirement Planning

-How to focus on distribution of your assets in a tax-advantageous manner

Estate Planning

-How to best preserve your assets

Risk Management & Tax Strategies

-Strategies designed to protect your assets

Business Planning & Employment Benefit Planning

-How to grow and manage your business efficiently

Wealth Management

-Pursuing you goals with precision

Meredith is also a Certified Divorce Financial Analyst which means as a CDFA she helps clients and their attorneys understand the financial impact of any divorce settlement. She provides valuable information and analysis regarding tax implications, division of assets and investments, and other financial issues related to divorce. The financial decision that must be made through divorce can be complicated and difficult. Meredith serves her clients in the life transition with integrity and compassion.

Another aspect of the CDFA practice for Meredith is understanding and becoming certified in Collaborative Divorce. Her certification will be complete in the fall of this year. Being certified in Collaborative Divorce means Meredith can work along side attorneys, therapists and child advocators also certified. Together they can discuss and provide options to couples and families facing a divorce. Professionals certified in Collaborative Divorce can help those with a strong desire to do what is best for everyone involved, with the least amount of financial and emotional stress possible.

For the individual as well as small business owners Meredith is a fee based investment adviser, meaning she is not paid on commission. And please keep in mind when one is paid on a fee based schedule – many believe this is the only way to provide unbiased recommendations.

Simply put Meredith is using the ‘holistic’ approach in her business of helping people reach financial strength and freedom. By laying out the options in plain English, she empowers her clients with the needed information to make the best informed decisions for themselves as an individual, part of a family or as a small business owner.

Meredith Dekker CDFA

Dekker Financial

Investment Advisor

2241 E. Pecos Rd. Suite 2

Chandler, AZ 85225

P:480.897.1067

F:480.726.7588

C:480.229.7227

meredith.dekker@dekkerfinancial.com

www.dekkerfinancial.com

Advantage Forklift Service of Chandler AZ is "Raising" the Service for Forklift Maintenance.

Sheryl Robinson (Home Key Realty) — Sat, 08 Aug 2009 23:57:36 -0500

Advantage Forklift Service LLC of Chandler AZ is raising the Service for Fork Lift Maintenance. When you require fast efficient lifting equipment service or repair or needing fork lift operating training – Advantage Fork Lift Service is who you need to speak with.

Founder, Steve Heinrich has been in this industry for over 12 years now providing first class timely service to his clients. Advantage Fork Lift Service assists companies through out the entire Metro Phoenix area and all the outlining cities and towns. Offering responsive communication is the key to the successful partnership with all of the companies they deal with in a variety of industries. You can't predict when a break down will occur, and Advantage Fork Lift knows their clients rely on their machinery to operate efficiently, therefore they provide service 24 hours a day and 7 days a week!.

Advantage Forklift will provide routine service, maintenance and sales for material handling equipment covering electrical and internal combustion forklifts along with warehouse equipment and is a fully mobile service, meaning they come to your door for added convenience. In addition to scheduled maintenance and repairs, they can also replace tires, battery and charger repair and rental equipment.

Occupation Safety and Health Administrations or OSHA requires that all equipment operators to be trained and certified. Advantage Fork Lift Service also offers "material handling operating training" that meets OSHA standard requirements. They can come to your place of business, as long as there is a fork lift on location, and provide all the training materials to certify your employees.

Lastly, they also provide consulting services – if a company is looking to set up a warehouse and racking or even if you are in the market for a new forklift they can help provide an efficient solution to your needs.

If you find yourself requiring equipment service the call Advantage Fork Lift Service for a fast reliable response. 24 hours a day & 7 days a week

Advantage Forklift Service: 480-204-9365

Lil Einsteins PreSchool - Gilbert AZ. Molding the Minds of Tomorrow.

Sheryl Robinson (Home Key Realty) — Thu, 06 Aug 2009 23:57:35 -0500

Lil Einsteins Preschool located at Higley Village in Gilbert Arizona are molding the minds of tomorrow. Lil Einsteins is a pre-school and is not to be confused with a day care. There is a difference. Your little ones get to come to there state of the art Preschool for two and a half hours on scheduled days for early childhood education in the disguise of organized fun.

Owners Lisa, Bridget and Kendra have young children of their own and while looking for a preschool for their own, they found a need in this area and the idea for Lil Einsteins emerged. Living in the south east Gilbert area they knew here was a strong sense of community here and that would make the perfect area for the preschool. With the three founders having a strong educational background they made Lil Einsteins a reality.

So what makes Lil Einsteins different? All classes are taught by degree and certified teachers. There is a staff of 15 experienced educators and aids are first aid CPR certified. Classes are curriculum based and meet the NAEYC guidelines. (NAEYC stands for nation association for the Education of Young Children). All three owners have been teaching early childhood education for a combined total of 23 years.

Classes for 3 to 4 year old children are on a 1 to 7 ratio, while 4 to 5 year old classes are 1 to 10 ratio. Thanks to these small ratios, teachers are able to give much needed attention and direction to the children to assure mastery of the curriculum and feel the sense of pride and accomplishment associated with the learning fun. One of the goals at Lil Einsteins is to accommodate the needs of varied learners in the classroom.

Lil Einsteins Curriculum
Reading, language arts, and phonics (Zoo Phonics)
Math-part of zoo phonics curriculum
Science-based on thematic unit
Social Studies-based on thematic unit
Fine and gross motor skills
Socialization/coping strategies
Listening to and following directions
Speaking and presentation skills
Technology/Computer
Performances and concerts-Winter, Spring, and Graduation
Off Campus and on campus field trips

Specials
Music and Movement-weekly with Mrs. Lauren
Computers
Spanish

Extracurricular activities (fees may apply)
Lunch Bunch
After school programs
Parent's Night Out
Enrichment programs
Summer Camps

The preschool currently has 200 students enrolled and have added an additional class which means they are able to take an additional ten more children.

Molding the minds of tomorrow
As parents and educators we understand how precious your little
ones are. We are experienced educators who are dedicated not
only to the intellectual growth of your child, but also the social
and emotional balance that is essential for our little ones. We
want to instill the lifelong love of learning in your child.

Lil Einsteins

3369 E. Queen Creek Rd., Suite 104
Gilbert, AZ 85297

Tel: 480-558-4551

Visit them on the web

Tailgaters Grill in Gilbert AZ. Come On By... They've Got All Your Sporting Events Covered.

Sheryl Robinson (Home Key Realty) — Tue, 04 Aug 2009 23:41:56 -0500

Tailgaters Grill, located in South East Gilbert is a family owned and operated sport bar and grill that provides this area with something for everyone.

Tailgaters Grill was developed by three families who were looking for a good local place to enjoy great food in a relaxing atmosphere. The comfortable family environment has a little something for everyone, televised sporting events, large patio with great Arizona views, happy hour specials, along with convenient take out service.

"We hope to build a sense of community in Gilbert that is sure to be a treasured landmark for our families and yours alike."

Valarie – with a warm smile and cold bud – just for you. Come on in and say hi!

Tailgaters caters for everyone. Families, business professionals and couples. it's great place to have a drink with the guys or a night out for the ladies.

There is always something going on:

Happy hour is from 3pm to 7pm.

Ladies Night is Thursday with drink specials that evening.

Breakfast is served on Sat and Sun from 7am to 11am

Daily meal and drink specials

Poker Nights

Karokee Nights

Did you know that there is a flat screen TV calculation required to create the perfect sports grill, and Donald, Frank & Gabino, the owners of Tailgaters Grill, took that number and added a few more just to be on the safe side. Tailgaters has 31, yes that's 31 flat screen T.V's strategically placed through out the restaurant and bar areas showing all the top sporting events. From UFC and boxing events to Football and Baseball, Tailgaters is the place to sit down, get some great food and enjoy the game with some friends over a beverage or two.

Tailgaters has a full variety extensive menu to choose from and offers a take out service as well.

"When many establishments tend to purchase "menu items" – here at Tailgaters most everything is prepared in house from spinach dip to salsa and other house specialties"

say Travis, executive chef at Tailgaters.

Follow them on Twitter to see offers and specials events.

Tina & Monica --- Ready to share their opinions on the menu here at Tailgaters Grill. So much great food... so hard to choose!

Tailgaters would not be complete with out a WiFi set up. You can come in have lunch and finish up any work on laptops with the wireless internet access that is available. They also have an X-Box with Rock band and wireless guitars. "Golden T" is available on a 42 inch screen TV – this is fantastic for golf lovers and gamers alike – "people line up to play this one!" says Donald, one of the owners.

They also offer at Tailgaters a FREE shuttle service – Designated Driver 2 You or D2U– it is complimentary taxi service that is available within a 20 mile radius of Tailgaters. They will pick you up and take you home again so you can enjoy your favorite beverages and get home safely. What more could you want. Come on over and see for yourself. This is a cool place to hang out and relax.

Tailgaters Grill
4604 S. Higley Rd Ste 103 Gilbert AZ 85297
480-457-8949
TGGrill.com

Do Bugs Make Your Skin Crawl ? Ozone Pest Control - Evicting bugs in Queen Creek AZ

Sheryl Robinson (Home Key Realty) — Sun, 02 Aug 2009 23:06:50 -0500

Ozone Pest Control in Queen Creek AZ has what it takes to rid you of your unwanted guests. Living in the Arizona Desert you find a variety of bugs here. From Ants and Cockroaches to Scorpions and Black Widows plus the usual vermin such as mice and rats. Your home is inviting to them all.

Harry Davis is the proud owner of Ozone Pest control and has over 18 years experience in the industry, so when it comes to those little six and eight legged creatures you catch out of the corner of your eye scurrying across the floor then Harry is the man to call.

There are many pest control services out there to choose from and unfortunately many set up to charge you plenty of money and not deliver the quality service you expect and deserve. That's what makes this local family owned business different. Ozone Pest Control is and always has been built on the principles of giving its customers the best service available at a fair and affordable price.

"We truly believe that our customers come first, and when we are at your home, your needs are our number one priority. At Ozone Pest Control , we believe pests are not your problem, they are ours." says Harry.

I recently had a client who had purchased a home through me almost 12 months ago and she called me up in some what of a panic. She wrote:

"OK - totally freaked out here . . . we have swarming flying termites. I brought in a 'sample' to my bosses' husband (who is a bug guy) & he confirmed. He's checking with his boss about our options. I thought we had a termite warranty on our house, but is that only for the burrowing/tunneling ones or would that include the flying swarming ones also??? I can just see this getting very $$$$$. John's sister had them in San Diego & had to have their house tented. Yes, I'm completely freaking out. I wonder too if our home warranty would cover anything or our insurance policy. Have you guys ever dealt with this before????"

Not knowing the first thing about flying termites, I quickly forwarded this on to Harry at Ozone Pest Control and this was his reply:

The "Swarming flying type" is actually a form of a termite in all termite families. They are reproductive. When a colony gets so big it swarms to relieve the main colony and to grow elsewhere. The swarms then mate and build a colony. Tell her nothing to worry about, check the electric box on her home and see if the pre-treat label is on the door. This should tell her when it was pretreated and also how much time is on her warranty. Home insurance will not cover this, there going to have to get it treated. I can give a free estimate for what those charges would be. As long as they are Subterranean termites, and almost all termites in Arizona are, she will not have to have it tented. Also let her know her house is not going to fall down.
Harry.

My client had Ozone Pest Control over to view the situation and he quickly put the home owner at ease. My client later called me to thank me for referring Harry to them. She said he was "noticeably clean and professional" while he was in their home, and explained the situation to them very well.

If you notice "mud tubes" growing up from the ground to the stucco on the exposed concrete "stem wall" of your home, chances are you have termites. Don't panic, just give Ozone Pest Control a call and they will come out FREE of charge to further investigate the situation and if they turn out to be wood destroying insects then they will give you a quote to take care of the problem for you.

Ozone Pest control is based in Queen Creek, but services Maricopa and Pinal County including Gilbert, Chandler Mesa and the newly formed San Tan Valley area.

In this day of corporate owned big business, its refreshing to find a local expert who is passionate about what they do and does not leave you feeling short changed in the process.

Ozone Pest Control
530 East Hunt Hwy Suite 103-476
Queen Creek, AZ 85143

Phone: 480-677-8961
Email: harry@ozonepestcontrol.com