spirit messingham: New listing La Paloma Estates Tucson, AZ 4/5 4,678 Sq Ft Guestohouse+
- 04/08/16 03:11 AM
Brand new listing presented by Spirit Messingham, Tierra Antigua Realty (520) 471-6900. 3280 E Camino Juan Paisano, Tucson, AZ 85718. Exquisite Mediterranean masonry custom home nestled on 1.11 manicured acres complete with mountain views. Enjoy the modern amenities and updates while maintaining old world charms. Spacious split bedroom floor plan includes soaring ceilings w/ gorgeous wood beams, 3 separate zoned HVACs, hard wood floors in master and stained scored concrete, solid alder wood doors, custom handmade bathroom vanities, premium Douglas Fir Loewen windows, 4 masonry fireplaces, attached 3 car garage/storage and separate guest house (857 SqFt). Luxurious private outdoor living w/ covered patios, … (1 comments)
spirit messingham: Title Encrypted Emails The Gramm-Leach-Bliley Act
- 04/07/16 04:51 AM
As time, technology and hackers move forward, so must we . . . there are any numbers of reasons why title companies have moved to encrypted email. In a nutshell, the below Act mandates they use encrypted email.
Safeguards Rule, enacted under the Gramm-Leach-Bliley Act, requires financial institutions to implement reasonable policies and procedures to ensure the security and confidentiality of sensitive non-public customer information (NPI). In addition we must encrypt certain documents containing NPI in accordance with CFPB compliance requirements and ALTA Best Practices requirements.
The situation has become serious enough that on March 18 the Federal Trade Commission issued a … (1 comments)
Death and taxes, two absolutes we can count on. Spring is the season for getting your identity stolen. The U.S. Federal Trade Commission (FTC) saw a nearly 50 percent increase in identity theft complaints in 2015. Of those complaints, almost half were related to tax or wage identity theft. The IRS also reported a huge uptick in tax-related ID theft in 2015—about 2.5 times the number in 2014. All this is to say: hang tough. Identity theft is a problem that's not going away. As is the case with all cybersecurity, the best way to protect … (0 comments)
spirit messingham: Mortgage Rates and Market Commentary 3/28/16
- 03/28/16 08:26 AM
Mortgage bond prices finished the week lower which put upward pressure on rates. Rates were higher early in the week despite mixed housing data. Existing home sales printed at 5.08M versus the expected 5.37M. The FHFA Housing Price Index rose 6% on an annual basis. That data showed an upward trajectory in housing prices, rising above the December data. New home sales printed at 512K which was as expected. There was some flight to quality buying of mortgage bonds in response to the attacks in Belgium which counted some of the earlier selling pressure. The market closed early Thursday ahead of … (0 comments)
spirit messingham: Central Tucson W/Pool, Garage 1859 Sq Ft in Historic San Clemente
- 03/24/16 04:23 AM
3920 E Calle De Jardin in historic San Clemente for sale $269,900. Three bedroom, two bath, attached garage, large pool, on .25 acres. Coming soon, priced $20K below the Zillow.com "Zesimate". If you have questions or would like to view this property please call Central Tucson specialist listing agent Spirit Messingham at (520) 471-6900. Desirable central location in historic San Clemente. Charming double brick construction w/ concrete drive way, and attached garage. Authentic original hardwood flooring recently resurfaced, spacious living room w/built-in shelves, wood burning stacked flagstone fireplace. Enjoy the .25 acre lot with private backyard including: mature trees & vegetation, built-up … (1 comments)
spirit messingham: Leased Solar Units in Arizona
- 03/23/16 06:48 AM
As an experinced buyers agent I am seeing more and more of these on properties. Some things to keep in mind: Leased solar units are allowable with the following conditions: The solar unit is not included in the appraiser’s valuation of the property The lease payment is included in the borrower’s debt ratio calculation The lease is not a lien on the property
The lease contains language that the homeowner is indemnified against any damage to the property caused by the solar unit
… (0 comments)
spirit messingham: $239,999 New listing Tucson Arizona National Golf Course
- 03/18/16 12:51 AM
Priced $60 K below the Zillow.com "Zestimate". Please give listing agent Spirit Messingham a call at 520 471-6900. Link here to listing: http://www.zillow.com/homedetails/5136-N-Sabino-Fairway-Pl-Tucson-AZ-85749/8464085_zpid/ Enjoy Arizona National Golf Course resort living all year long. This AF Sterling 3 bedroom, 2 bath 1,814 Sq Ft home is located in desirable gated Sabino Springs in the foothills of Santa Catalina Mountains. Features include split floorplan, tile w/carpet in bedrooms, open concept kitchen w/both eat in & bar, soaring high ceilings, skylights, attached 2 car garage w/storage & water softener, ceiling fans, recessed lighting, double pane windows, custom Sheer Essence window blinds throughout. Two sliders out … (2 comments)
spirit messingham: Acceptable Addendums for Lenders
- 03/17/16 09:13 AM
Addendums that address repairs that are not going to be completed by closing or state a seller concession is agreed to in lieu of repairs are likely to raise red flags with the lender. If the lender sees repairs referenced on the addendum, the lender may well require that the repairs are addressed and completed even though the appraisal does not call for repairs to be done.
If you want to avoid additional requirements from the lender, make sure that your addendums do not list specific repairs or use the language “in lieu of repairs” but simply state the seller concession toward … (0 comments)
spirit messingham: You Deserve the Personal One on One Attention
- 03/15/16 12:46 AM
At some time in the past I had the chance to see a band in concert in a very small venue – seriously, the whole thing was about the size of a high school gymnasium. This was the very first concert my friend had ever attended, and as we were walking out that evening, I told him that he’s sort of been ruined for future concerts because he got to see this particular band – who was obviously going to be very big, very soon – in such a small setting. He just smiled and laughed. About a year later, the … (0 comments)
spirit messingham: 1st Time Home Buyers in Tucson Start Your Search
- 03/15/16 12:28 AM
Thinking about buying a home but not sure where to begin? First thing a buyer should do is speak with a local lender and get pre-approved. Next, start a relationship with an experienced buyers agent. These are important first steps when considering a home purchase. I am an experienced buyer’s agent, 9 years’ experience and in the top 1% of all Realtors in Tucson. I work, live, and specialize as a buyer’s agent in theTucson market. Give me a call and we can discuss your needs.
The information below was provided by Steve Kozachik and the Broadway Coalition.
9.3 Project Delivery Phasing Plan 9.3.1 Construction Project Limits The reconstruction of Broadway will begin about 300 feet west of Euclid. Construction west of Euclid is needed to provide the double left turn lanes on Broadway Boulevard in both directions. Construction will extend through the Country Club Road intersection approximately 700 feet to the east in order to accommodate the new storm drain, construct bus pullouts, and close the existing median opening at Avenida de Palmas/Camino Español (Colonia Solana subdivision).
We understand that HDR Engineering has turned in the 30% designs to the … (0 comments)
spirit messingham: Ward 6 Chief Magnus Meet and Greet Central Tucson, AZ
- 03/11/16 12:17 AM
Tuesday, March 15, 2016 | 6:30 pm - 8 pm Ward 6 Office, 3202 E 1st St Please mark your calendars and plan to join us next week for our Ward 6 Meet and Greet with the new police chief, Chris Magnus. Chief Magnus has been on the job for about a month and has already announced some in-house changes being considered. They respond to our budgetary challenges and the need to reconsider work assignments, force size, and other internal issues. We hope you can carve out the time to come and meet the new Chief. Regards, Council Member Steve Kozachik … (0 comments)
spirit messingham: 97% Conventional Financing For Qualified Buyer's
- 03/10/16 11:40 PM
For consumers with excellent credit , 97% conventional financing with a 3% down payment can be a good alternative to 3.5% down FHA financing. Gift funds are allowable for the down payment. There is no upfront mortgage insurance premium like FHA and the monthly mortgage insurance will eventually drop off, unlike FHA’s that stays for the life of the loan. Qualifying debt ratios are tighter on the conventional loan compared to FHA. If the buyer is a first-time buyer, there are no income restrictions for this 97% conventional financing. If the buyer is not a first -time buyer, then there are … (0 comments)
spirit messingham: Qualifying Self-Employed Borrowers
- 03/02/16 10:44 PM
As an independent contractor I can relate and understand some consumers who are self-employed experience swings in their incomes from year to year. This can cause underwriters to question the stability of their income, especially if there are large decreases in income for the consumer from year to year. This can lead to qualifying problems. There are several methods that can help these consumers. There are now conventional loan programs that only require one year tax returns instead of the normal two years. Using this method would eliminate any decreasing income questions from year to year since the underwriter is only … (2 comments)
spirit messingham: Freshen Up Your Garbage Disposal
- 03/02/16 03:54 AM
The kitchen is a source of odors in the home. Some, like apple pie, are pleasing. Others, like the odor emitting from a kitchen drain, can hit you right in the gut. To clean and freshen your drains, pour the juice from half a lemon and a handful of baking soda down the drain. Flush well with hot water. Garbage disposals are another part of the sink that can get stinky. To freshen your garbage disposal: 1. Cut a lemon in quarters 2. Run cold water down the disposal. 3. Turn on the disposal and drop in one piece of lemon. 4. Follow with a second … (1 comments)
spirit messingham: Change to Arizona Purchase Contracts
- 03/01/16 12:29 AM
The Protecting Americans from Tax Hikes Act (the “PATH Act”) was signed into law on December 18, 2015. Any interested parties are advised to consult a tax professional. Included in the PATH Act is a provision modifying the Foreign Investment in Real Property Tax Act (“FIRPTA”). The modification increased the tax withholding from 10% to 15% in certain transactions. However, 10% rate of withholding still applies if: (1) the amount realized for the property is less than $1 million; and (2) the property is acquired by the transferee as a residence. The prior exception from FIRPTA (if the amount realized for the … (1 comments)
spirit messingham: Mortgage Rates & Market Commentary Tucson 2-26-16
- 02/26/16 06:02 AM
Mortgage bond prices finished the week slightly lower with put a little upward pressure on rates. Mixed talk from Fed officials caused uncertainty. The data early in the week was friendly toward lower rates. Consumer confidence printed at 92.2 versus the expected 97.3. New home sales printed at 494K vs. the expected 523K. The FHFA Housing Price Index rose 0.5%, further proof it is a good time to own a home. Weekly jobless claims were near expectations. Durable goods orders surprised to the upside with a 4.9% increase versus the expected 2% increase. The biggest shock was Q4 data that showed … (0 comments)
spirit messingham: DM Flight Path: Tucson Flight Training &Certification Course
- 02/25/16 11:28 PM
DAVIS-MONTHAN AIR FORCE BASE, Ariz. – The Heritage Flight Training and Certification Course will take place here March 3-6, with aircraft and personnel scheduled to arrive March 1-2 and depart March 7. For those that live in the DM Flight Path, they will recognize that Spring means an increase in flights from the air base. During the course, civilian pilots of historic military aircraft and Air Force pilots of current fighter aircraft will practice flying in formation together. Heritage flights raise public awareness of the Air Force mission and commemorate its history. Air Combat Command aircraft flying in this year’s training will … (1 comments)
spirit messingham: Possible Landmark Status in Colonia Solana, Tucson AZ
- 02/24/16 11:16 PM
In the heart of Central Tucson is a historic subdivision called Colonia Solana. Established in 1928, considered the first "urban" subdivision in Tucson. A Spanish Colonial Revival house in the Colonia Solana Neighborhood could become Tucson’s next historic landmark. The Tucson Historic Preservation Foundation is applying for the landmark status for the Voorhees-Pattison House, 3488 E. Via Golondrina, near Reid Park. The Tucson City Council approved the start of the process on Tuesday. Here are three things to know about the house. The 1929 home was designed by Roy Place and built as a model home to attract new development, Assistant … (1 comments)
Third generation, full-time licensed Realtor, putting my clients' needs first. I work with all of my client's one on one, taking pride in the quality work and services I provide. In the top 1% of all Tucson Realtors by sales volume 2012 - 2015. I have the experience, passion and knowledge to help with your residential real estate needs. Call (520) 471-6900 for a free and no obligation consultation.
Brand new listing presented by Spirit Messingham, Tierra Antigua Realty (520) 471-6900. 3280 E Camino Juan Paisano, Tucson, AZ 85718.
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