Spirit Messingham's (tucsonspirit) Blog

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Real Estate Agent - Tierra Antigua Realty - SA624527000
RECENT BLOG POSTS
Paying more than minimum on revolving accounts will help mortgage loan approval Effective June 25, Fannie Mae will start evaluating how all loan applicants have managed their credit over the previous two years: how much they owed in revolving debt each month, the minimum payment allowed on each d...
04/29/2016
USDA loans offer no down payment for homebuyers  who purchase properties in outlying areas, such as Sahaurita, Vail and parts of Marana. Income limits for the buyer do apply with a family of four in Pima county having to make no more than $74,750 in annual household income. USDA loans require dou...
04/22/2016
 Tucson City Manager Michael Ortega presented his recommendations to the Mayor and Council on Tuesday, April 19, to close the nearly $26 million budget shortfall for next fiscal year. The proposed changes include a hiring freeze at the city and elimination of vacant positions. These changes will ...
04/21/2016
  10162 E Rincon Shadows Dr, Tucson, AZ 85748 3 beds 2 baths 1,385 sqft For Sale $169,900 Zestimate®: $161,655 Est. Mortgage$606/mo Please call listing agent Spirit Messingham at (520) 471-6900 if you would like to view this or any property for sale in Tucson, AZ. Excellent opportunity for move i...
04/19/2016
FHA loans originated before 1/15/2015 carry a provision that requires the interest on the loan be paid to the beginning of the next month no matter when the loan is paid off during the month. This is different than most other types of loans where the interest is charged only through the date of p...
04/15/2016
  3920 E Calle De Jardin, Tucson, AZ 85711 3 beds 2 baths 1,832 sqft For Sale $269,900 Zestimate®: $285,275 Est. Mortgage$957/mo     Priced $15K below the Zillow.com "Zesimate". If you have questions or would like to view this property please call Central Tucson specialist listing agent Spirit Me...
04/13/2016
Couples that has disparate credit scores can lower their costs by having only the person with the higher credit score on the mortgage loan. Both can be on the sales contract and the title to the home. Lenders use the lower of the two middle scores for consumers applying for joint credit. If the d...
04/08/2016
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 o...
04/08/2016
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 in...
04/07/2016
  Tax Identity Theft   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 wag...
03/31/2016
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Spirit Messingham

Third Generation Full-Time Realtor® 520 471-6900
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