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Edição atual tal como 06h22min de 8 de outubro de 2013

6,400 Acres Added to Scottsdale's McDowell Sonoran Preserve - Scottsdale Real Estate

The city of Scottsdale acquired 6,400 acres of land for the Scottsdale McDowell Sonoran Preserve at three state land auctions in November 21 in which the city was the only bidder.

The city's combined successful bids totaled $88.2 million - approximately $16 million of that will come from a Growing Smarter State Trust Land Acquisition Grant approved by the Arizona State Parks Board in September. The remainder of the purchase price will come from money generated by two dedicated sales taxes approved by Scottsdale voters in 1995 and 2004. The use of state grant funding frees additional dollars to be used on future purchases.

"This week marks a major accomplishment for Scottsdale's McDowell Sonoran Preserve," said Mayor W.J. "Jim" Lane. "With these three auctions, we have combined our citizen-approved dedicated sales tax dollars with $16 million in state grant money to add 10 square miles to the preserve. Those 27,800 acres now connect to the Tonto National Forest - a milestone ensuring a sustainable wildlife population in our preserve.

"By leveraging state grant funds over the last four years we have been able to save the city more than $78 million while extending the purchasing power of local sales taxes dedicated to expanding the preserve."

With today's acquisition, Scottsdale's mountain preserve encompasses approximately 27,800 contiguous acres - more than 43 square miles. That is over 81 percent of the long-range goal to preserve about 34,000 acres, nearly a third of the city's land area. Preserving these lands achieves a primary goal to establish an important wildlife corridor connection to the nearly three million acres of Tonto National Forest.

The preserve land acquired today includes the majority of Cholla and Granite mountains and extensive areas of exposed bedrock, boulder outcrops, lush upper Sonoran Desert vegetation including Rawhide Wash and a number of other large washes housing abundant wildlife.

The lands generally are located north of the Ashler Hills Drive alignment, south of the Stagecoach Pass alignment, east of the 100th street alignment and west of 136th street. It is within a "recommended study boundary" that includes all of the land targeted to be part of the preserve, permanently protecting the acreage from development.

For more information, please visit our website (http://www.scottsdalerealestatearizona.com/newsletter/6400-acres-added-to-scottsdales-mcdowell-sonoran-preserve.html).

10 Smart Questions - Scottsdale Real Estate

To Ask Before You Pick A Mortgage:

Home buyers and refinancers sometimes focus all their efforts trying to find the lowest mortgage interest rate. Why is that costly? Rate-shopping overlooks comparing a range of fees and penalties that can cost you thousands over the life of the loan. On the flip side: Picking the right lender - one who will process your loan quickly and work closely with you all the way to the settlement/closing table - can make all the difference between a successful home mortgage and a "financing nightmare."

Before you talk with any lender, start thinking about the type of loan you want, the amount you will need to borrow, and the term (length) of the loan. Once you nail down this basic information, be sure to ask lenders the following questions.

- 1. What rate is available today?

Remember that the lowest interest rate doesn't necessarily come with the best loan. Additional fees and costs can sometimes increase your loan costs considerably. Once you zero-in on which loan you want, be sure to compare its APR - annual percentage rate (see box) - with the runners-up.

- 2. How many points do I pay to get a particular rate?

A point equals 1% of the loan amount. A loan with a low interest rate and many points costs thousands of dollars more up front than a higher-rate loan with fewer points. However, discount points, like mortgage interest, are deductible on the buyer's income taxes, even if the seller pays the points.

Estimate how long you will keep the mortgage to determine whether your savings from the lower interest rate will equal or exceed the amount you pay in points. (We'll be happy to help you make this calculation!)

- 3. What fees will I be charged?

Some lenders will quote very low interest rates and points, and then charge higher fees. We will tell you up front what fees are charged and what is included. We like to have everything on the table from the beginning, so there are no misunderstandings later.

- 4. Can I lock-in the quoted rate?

Find out how long the lock-in period is and whether a lock-in fee is required. (If rates and points are rising, a one-time lock-in fee may save you money at settlement and over the life of a loan.) Also ask whether you would be able to "float down" - get a lower rate if rates drop before settlement/closing. Be sure to get all lock-in terms in writing, stating both the rate and points - either one could change if you are not locked.

- 5. How long will it take to process my loan?

Processing is simply the gathering of all the documents necessary for funding approval. If time is of the essence - which it often is - you will want a quick processing and funding turnaround time. Providing a complete application can speed up this process, so be thorough when you apply, and respond to requests for information quickly.

- 6. Am I eligible to receive a loan backed by the Federal Housing Administration or the Department of Veterans Affairs?

Programs from these agencies can be very helpful for first-time and lower-income buyers. But there are restrictions and requirements. We'll be happy to help you determine what loan suits your needs best.

- 7. Will I have to pay private mortgage insurance (PMI)?

If you can't afford to put 20% down, you may need to insure your loan in one of several ways. Traditional PMI, paid monthly with your mortgage payment, is the most common choice. There are also single-premium plans, where you pay cash up front, thus keeping your monthly payment lower. Or you can avoid PMI altogether with a "piggy-back loan." Ask us. Picking the best option for you requires some thought and planning. Fortunately, that's our specialty!

- 8. What if I decide to pay off my loan early?

Agreeing to a prepayment penalty may help get you a lower interest rate. If you decide to go this route, however, refinancing later or making extra payments to pay off the mortgage more quickly could incur a cost. Make sure you understand how the prepayment penalty works.

- 9. What documentation do I need to provide?

Although lenders ask for proof of income, financial assets and creditworthiness, documentation requirements differ from one lender to another and according to the borrower's financial situation. We'll provide you with an easy-to-use checklist of information we need to process your loan. And, of course, we'll work with you to ensure nothing "falls through the cracks" so your loan processes quickly.

- 10. Who will help me through loan processing to settlement/closing?

We make sure our customers get the personalized service they need to be comfortable with the entire mortgage-loan process. Our experienced loan officers and processing staff have all the tools and knowledge necessary to make your home mortgage experience a dream - not a nightmare. Ask us anything - we're here to help you!

For more information, please visit our website (http://www.scottsdalerealestatearizona.com/newsletter/2012-08-home-report/10-smart-questions-pick-mortgage.html).

2013 Cost vs. Value Home Improvements - Scottsdale Real Estate

2013 Cost vs. Value home improvements suggest that updating the outside of a home pays off, according to this year's Cost vs. Value Report. Real estate professionals ranked exterior improvement projects as winning the buyers' eye and providing sellers with the most return on investment.

If your clients are wondering what home improvement projects will give them the best return on the sale of their home, tell them to think "curb appeal."

When buyers are shopping for a home, the exterior can make (or break) the first impression. According to the 2013 Cost vs. Value Report, exterior replacement projects are among the most valuable home improvements that sellers can currently invest in, starting with the front door.

A steel entry door topped this year's survey with an estimated 85.6 percent of the costs recouped at resale. The steel door replacement is also the least expensive of the 35 midrange and upscale remodeling projects included in the survey, costing $1,137 on average.

Ending a six-year cost-value ratio decline, this year's Cost vs. Value Report is good news for remodeling industry with a rise in the ratio by three percentage points to 60.6 percent. According to the report, lower construction costs and stabilizing house prices were the principal factors for the upturn.

While every region improved over last year's survey, the Pacific region - Alaska, California, Hawaii, Oregon, and Washington - had the highest average cost-to-value ratio overall at 71.2 percent, despite having the highest construction costs in the country.

For more information, please visit our website (http://www.scottsdalerealestatearizona.com/2013-cost-vs-value-home-improvements.html).

Scottsdale Real Estate | Luxury Valley Homes:

Real Estate In Scottsdale AZ:

Scottsdale, AZ is not a huge city but enjoys the sophistication and amenities of a large city. New homes are being built but it is fast being built-out because land for building sites is increasingly hard to find. It's one of the reasons Scottsdale real estate in Arizona is enjoying higher appreciation than most communities.

If you're looking to buy Scottsdale real estate, for your next home, you can treat it as a new adventure, even a new way of expressing yourself. It's about experiencing those exquisite moments that leave you feeling energized, enriched and renewed. And it's about creating memories that will inspire and delight you for a lifetime.

Scottsdale Real Estate in Arizona is our specialty. Our team is committed to making the buying and selling of Arizona real estate a pleasurable and rewarding experience. Our website allows you to search all active real estate listings in every city in Maricopa County island including Scottsdale real estate, Carefree, Cave Creek, Chandler, Glendale, Mesa, Paradise Valley, and Phoenix. The site is easy to use and navigate through the property searches.

Featured is the finest Arizona Valley homes for sale, condos and townhomes, that Scottsdale and the surrounding cities have to offer. Contact us today! To find out how we can be of assistance to you.

- Luxury Valley Homes Property Search:

LuxuryValleyHomes.com has become Arizona's Valley of the Sun real estate resource on the internet. Our easy to use search engine combines all of Scottsdale and Valley city MLS databases and allows you to search all Arizona properties for sale in every Valley city.

It allows you to receive Daily Email Alerts of new Arizona valley real estate listings; price changes of properties that meet your search criteria plus you can also save multiple searches with unique names and save favorite properties for tracking purposes. You can also access your account anytime and change the frequency of the email alerts, share them with friends, know your information is secure and research market trends with ease!

- Selling Your Arizona Property in Scottsdale, Paradise Valley, Carefree or Phoenix?

The Luxury Valley Homes (LVH) team are a highly qualified team of professionals that are committed to providing the highest quality of service in the industry in Scottsdale and all the Valley cities. If you are looking for a real estate team that is highly motivated, friendly, professional, honest, highly skilled and hard working, contact us today!

Our market knowledge of real estate in Scottsdale and the other valley cities will net you $1000's more in your pocket. Selling Scottsdale real estate in Maricopa County is our specialty.

- Discover Scottsdale:

Arizona has a population of 5,939,292 and a large part of that is in Maricopa County that makes up the Valley of the Sun with nearly 3,635,528 residents. Scottsdale Arizona stretches 31 miles in length and has a diverse topography and elevation changes. In the high Sonoran Desert it can be as much as 10 degrees cooler than downtown Scottsdale. Scottsdale's widest point is 10 miles while the narrowest point is less that 2 miles. There is a location in Scottsdale where you can stand on the borders of Scottsdale, Phoenix, and Paradise Valley, all at the same time.

When you think about Scottsdale real estate it's hard not to see how beautiful and captivating Scottsdale really is. The high sonoran desert has a beauty all of its own, the mountains create a vibrant array of colors from the sun and clouds that meander across the skies. From the setting sun to the bright tropical flowers, to the deep blues of our skies gives you a feeling of paradise. Luxury valley homes in Scottsdale offers family homes, vacation homes. town homes and condos that are available with easy access to all of our cultural centers and outdoor activities.

- Scottsdale Real Estate | Luxury Valley Homes Arizona:

About Scottsdale Real Estate: The Luxury Valley Homes Scottsdale Arizona real estate website is owned by RJ Daley & Daley, PLLC, and doing business as Luxury Valley Homes. This is a team of agents specializing in Scottsdale real estate, helping both buyers and sellers with their real estate requirements. Our REALTORS provide professionalism, integrity, relocation counseling, personal attention, and market expertise.

Are You Ready? - Scottsdale Real Estate

Are You Ready?

Knowledge and experience are the keys to successful real estate transactions. www.LuxuryValleyHomes.com (http://www.scottsdalerealestatearizona.com/) contains an enormous amount of valuable information, and such data - combined with the expertise, experience and training of our local REALTORS - can be the essential keys to your success.

One of the keys to making the homebuying process easier and more understandable is planning. In doing so, you'll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the homebuying process.

- Do You Know What You Want?

Whether you are a first-time homebuyer or entering the marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new community due to a lifestyle change or is buying an option and not a requirement? What would you like in terms of real estate that you do not now have? Do you have a purchasing timeframe?

Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals. As an interesting exercise, it can be worthwhile to look at the questions above and to then discuss them in detail when meeting with local REALTORS.

- Do You Have The Money?

Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the downpayment, commonly referred to as debt or the mortgage.) The good news is that over the years new and innovative loan programs have evolved which require a 5 percent downpayment or less. In fact, a number of programs now allow purchasers to buy real estate with nothing down.

In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan). Several newly emerging loan programs not only allow the purchase of a home with no money down, but also underwrite closing costs.

Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly mortgage payments, so most homebuyers choose to buy with some cash up front.

As to closing costs, in markets where buyers have leverage, it may be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses. Talk to us about the for details.

- Is Your Financial House in Order?

Those great loans with little or nothing down are not available to everyone: You need good credit. For at least one year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time.

For more information, please visit our website (http://www.scottsdalerealestatearizona.com/buyers/1-ready.html).