Avoid Foreclosure Scams
Someone offering a solution too good to be true usually is. Beware of any individual offering to "refinance your home" or buy your home from you. Avoid anyone who charges you money to "help" you in this process. Unfortunately there are people who will try to take advantage of your financial difficulty. Below are two known scams to avoid.
Skimming: This is when a "buyer" comes to you offering to get you out of foreclosure trouble by promising to pay off your mortgage or give you a large sum of money when the property is sold. In some cases, the "buyer" will ask you to move out quickly and deed the property to him or her (usually a Quit Claim Deed). The "buyer" collects your payment from you but does not make a mortgage payment. You will still lose your home and be responsible for the original mortgage.
Counseling or Foreclosure Help Consultants: These companies offer to provide you something for a fee. In most cases this information is available to you without a fee. Generally they collect your money and avoid your phone calls until you lose your home. Generally they offer services such as negotiating a new payment plan with your lender or pursuing a pre-foreclosure sale.
DO consult a Realtor or an Attorney DO communicate with your lender and your Realtor DO be honest with your Realtor DO get agreements in writing.
DO NOT send money to anyone claiming to help you with this situation. DO NOT sign over your deed to someone DO NOT abandon your home DO NOT sign documents you do not understand NEVER do business with someone without a real estate agent or an attorney present to represent you.
As experienced Realtors, dealing with short sales, we CAN help you in this process, at NO COST to you. We work directly with your bank to negotiate a sale and relieve you of a foreclosure. And your bank pays us to do this for you!
Avoid Foreclosure Scams
Facing Foreclosure? We Can Help. It's called a Short Sale and we specialize in them! We specialize in obtaining all the information your lender needs and negotiating a sale for you. The thing to remember is you are not alone and we can help. Foreclosures are at an all time high in the United States. Why? There are several reasons including reduction in manufacturing, no money down mortgages, variable rate mortgages (interest rates increasing), predatory lending, loss of job, health problems, divorce, death and many more reasons.
Are you behind on your mortgage? Are you worried about losing your home? Are you worried about having a foreclosure on your record for the next 10 years? Do you need help FAST? We can help! We can help stop foreclosure regardless of your situation.
Remember, time is your enemy. Don't wait until it's too late. Call us today to see how we can help you save your credit. This is a FREE service.
Facing Foreclosure? We Can Help.
Magic Ranch Florence Arizona Sales Statistics for October 2009 show the statistics as listed below. In October, there were 19 homes active on the market with an average list price of $121,079 and average days on market of 104 days. There were 4 closed sales in October with an average sales price of $95,366 and average days on market of 172 days. These statistics only include resale homes and not any new home sales as this information is not provided by the builder.
Magic Ranch Florence Arizona Sales Statistics
Magic Ranch Florence Arizona Sales Statistics
Anthem at Merrill Ranch Florence Arizona Sales Statistics for October 2009. These statistics only include resale homes. No new home sales are included in these statistics since these are not reported to the MLS by the builder. As you can see from the report below, there were 36 homes for sale on the market in October of 2009 and 11 homes sold in October of 2009. The average list price was $193,328 with 79 days on the market. The average sales price was $174,506 with only 44 days on market. Average sale versus list price was 99%. Based on these statistics, home resales in Anthem are selling strong and quickly!
Anthem at Merrill Ranch Florence Arizona Sales Statistics
Florence Arizona Real Estate Lending
There are many types of lending available in Florence Arizona. Since we are located in a rural community and an area where there are a lot of bank-owned properties, there are even "special" loans available. From FHA and conventional loans, there are $0 down VA loans, HUD 100% down loans, Homepath 3% down, Your Way Home AZ, and more! Special lending that Florence Arizona qualifies for are the $0 down USDA loan and the Your Way Home AZ loan with a silent second mortgage.
With interest rates at an all time low, the $8,000 tax credit extended, and the addition of the $6,500 tax credit for buyers who already own a home, but want to move up into a new home.
Imagine getting up to a 22% silent second mortgage (instant equity!) and the $8,000 tax credit! WOW!
In addition, since Florence Arizona is a prime area for Canadian investors, we also have financing available for Canadians buying a second home in Arizona..
Florence Arizona Real Estate Lending
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Real Estate Brokers Joyce & Terry Thomas are proud to service Arizona. Specializing in Short Sales, REO, Home Staging, Canadian Investors, First Time Homebuyers and more!
Trust in Thomas
The Thomas Team is the trusted name in real estate. Joyce & Terry Thomas have a strong philosophy regarding real estate. They believe that helping others help themselves is what helping people is all about. Joyce & Terry believe in having a relationship with their clients to help them reach their goal during their home buying or selling experience. They know you are embarking on an important decision - whether it's your first or fifth time buying or selling - and they are committed to help you along the way
Experience the Difference
Joyce & Terry didn't become top producers in real estate by following in the footsteps of someone else. Rooted in family, innovation and results, The Thomas Team puts a spin on the familiar - by ensuring that your buying or selling experience is fun as well as successful. They focus on the trends in our industry and have the best tools and resources for marketing homes. They can provide you with the information, technology, and research that you demand as a savvy consumer. Sign up for a personalized My Real Living account to see how!
Philosophy
Part of Joyce & Terry's core values is to live by the "get by giving philosophy". They believe in helping people meet their goals. In doing so, they always make their client's number one goal their number one goal, working toward a common good.
Having grown up and lived in the Miami County area all their lives, The Thomas' are both very knowledgeable of the Miami Valley and surrounding areas. As a Residential Relocation Specialist, Joyce helps people relocating to the area feel comfortable and relaxed with their move.
Experience Success
In addition, Real Living Realty Services offers the most innovative tools for home buyers and home sellers such as Real Deals, Real Finder, My Real Living 2.0, a user friendly website and voted Innovator of the Year in 2005 by Inman News. Buyers can know what's for sale faster with Real Living. Seller's homes appear on RealLiving.com before the MLS (multiple listing services) or Realtor.com.
Work with Joyce or Terry and find out why they are leaders in the real estate profession. With sales achievements, negotiation skill, and attention to detail and commitment, they provide you with an enjoyable - and Real - buying or selling experience. You can trust the Thomas' to help you sell or buy your next home.
To experience how The Thomas Team is different, contact Joyce or Terry today at 937-623-9468 or 480-620-5586 or E-mail thomas@thomasteam.info.
Home Staging
Did you know that "Staged" homes typically sell faster and for more money? Statistics show that Staged homes sell for 6.9% more than non-staged homes and with 50% less time on the market. Want your home sold faster and for more money? As an Accredited Staging Professional (ASP), Joyce will give you the Staged Home Advantage.
Home Selling Facts:
Staged Homes sell for top dollar in any market
The investment of staging your home is less than your first price reduction
Buyers only know what they see - not what it's going to be
The way you live in your home and the way you sell your house are two different things
Staged Home - under contract in 10 days!
Removing clutter, adding the power of 3 and focusing on the room's purpose, made this master bedroom stand out to potential buyers.
This kitchen shows the functionality and not the personalization by showing only a few personal items. After neutralizing the room and adding accent color, the buyer's attention is drawn to the kitchen.
Again the power of 3 welcomes your eye into this staged dining room.
See How Staging Can Help You!!
Call Joyce Thomas today at 937-623-9468 for more information. There is no obligation.
What is an Accredited Staging Professional?
Why Choose The Thomas Team?
"Terry & Joyce Thomas were great! They provided us with an excellent marketing plan and realistic figures for listing our home. Our home sold within an incredible four days on the market. The closing process was so smooth due to in part excellent communication from our realtor to all the buyers' agents and vendors. To top it all off, we even used their personal moving truck to complete the process with only sweat and gas money out of our pockets. Will definitely use their services again!" - Derek & Amy, Troy
"We used Terry & Joyce Thomas to sell our home and to help us find our next home to move into. We highly recommend them as they were very comfortable to talk to and very informative. My husband and I are so happy with the turn out of selling our home and finding the home of our dreams! Terry and Joyce were always available if we had questions or concerns. I know that if my husband and I decide to move again, we will definitely call Terry and Joyce Thomas because we are so pleased with what a good job they have done for us. Thank you so much!" - Bret & Marla, West Milton
"Gran hombre y mujer! Muchas gracias!!" - Jose
"Joyce was so great! She answered all my questions and went above and beyond. I really appreciate everything Joyce did to help me during this exciting (but scary) process." - Lacey
"Joyce was very dependable and always willing to assist in any and all matters. She was friendly and honest. We found her online - and we just got lucky!" - Joe & Heather
"The difference between Joyce and other realtors is night and day!!" - Sandy
"You are wonderful! Thank you so much for helping us find our home!" Cassandra & Terry
"Joyce is knowledgable and honest. I would definitely use her again." Jeff
"I appreciate all your help. Your patience has been a blessing...Thanks again for all your effort - someone else might not have gone the extra mile like you did (to sell my home) and I truly appreciate it." Lori
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