Si ya ha investigado sus opciones y ha consultado con un abogado y contador sobre las consecuencias de hacer una short-sale en vez de que le llegue el foreclosure (ejecución de una hipoteca), y ha decidido vender su casa, ¿ahora que pasa? Bueno, primero necesita que buscar un agente de bienes raíces, como yo, que le pueda ayudar con la venta. Usualmente, cuando uno vende su casa con mi asistencia, me paga una comisión de lo que saldria ganando. Pero en una short-sale, su banco, ya sea Wells Fargo, Citimortgage, Wachovia, etc., ellos son los responsables de hacer ese gasto. Ya que la casa vale menos de lo que se le debe a la hipoteca y el vendedor no va a salir ganando dinero en esta situación. Lo que se ganan es evitar la ejecución de la hipoteca.
Si usted se comunica conmigo para que le ayude con la venta de su casa, lo primero que yo hare es tomar información. Necesito saber si todavía está haciendo los pagos mensuales, si sigue viviendo en la casa, si es un préstamo o dos, el nombre del banco, el número de la cuenta de la hipoteca, y otros detallitos. Pero, con esa información, podré analizar su situación y sabré como procedir.
Tipicamente, el siguiente paso le toca a usted. Necesitará que hacer copias de los impuestos de los pasados dos años, copias de los dos talones de su trabajo (los más recientes), copias de cuentas de cheque y ahorros, y cualquier otra cuenta (401k, IRA, etc.), necesitará que hacer copia de la factura más reciente de la hipoteca, y también necesitara un análisis de sus financias y escribir una explicación breve para darles saber al banco la razón por la que quieren hacer la short-sale. Yo tengo una forma para el análisis de sus financias, y le puedo dar ejemplos de como escribir su carta de explicación al banco. Si no tiene copias de los otros documentos, no se preocupe. Le escribimos una explicacion al banco para avisarles, y seguimos al próximo paso.
El próximo paso es firmar los documentos dándome permiso de poner la casa en venta. En cuanto nos llegue una oferta, la negociamos para que sea una oferta que les convenga a ustedes, al comprador, y esperemos que también al banco. Ustedes, siendo los dueños legales de la casa, tienen el derecho de aceptar o rechasar las ofertas que nos lleguen. Cuando tengamos una oferta agradable, entonces se la mandamos al banco con copias de todos los otros documentos que ustedes ya me han dado. Ellos tomaran todo en cuanto para hacer su decision.
No le puedo garantizar que el banco acepte nuestra petición para hacer short-sale. Pero le prometo que yo haré todo lo posible para que usted evite la ejecución de su hipoteca. Si tiene preguntas sobre el proceso de vender su casa en short-sale, o simplemente gusta saber más información, por favor llámeme al 602.391.8986, o mándeme un correo electrónico. Gracias.
Today I had the pleasure of visiting both of these great, new communities. Mineral Canyon is located between Central Avenue and 7th street, and is practically on top of South Mountain Park. Mountainside Estates is the gated community that is located on the northwest corner of Dobbins Road and 19th street. Both are new communities that are being built by Trend Homes.
The two communities actually were first built and sold by Destiny Homes. But, unfortunately, the housing bust caused the two communities to sit incomplete and with vacant lots for the past couple of years. Which is really sad because Destiny Homes had a really nice product and the homes first sold in the half a million and up price range. Crazy. Now that Trend has purchased the communities, they have been building homes at both locations at a very steady pace and have prices that reflect the current housing market.
Mountainside Estates is the smaller of the two communities and only has a handful of lots available. Depending on where you are located within the community, aside from breathtaking mountain views, you can also have beautiful city views. Mineral Canyon has views of South Mountain from pretty much the entire community. I can't even find the words to describe the beauty of what it would be like to live here. Peaceful and serene come to mind, but I can think of so many more adjectives to describe this area, as well.
Current builder incentives include granite slab countertops, your choice of maple or cherry cabinets with 42" uppers, taller baseboards, and two tone interior paint. And the list of standard features is impressive, too. Looking for a home that will save you energy and money during our summer months? This could be the home for you. The homes in Mineral Canyon and Mountainside Estates are SRP Powerwise and Energy Star Rated and even offer solar energy efficiency options. How cool is that? We have over 300 days of sunshine in our city, taking advantage of it is a great idea.
Are you looking for a home that offers not only a great location, close to so many things, and yet still feels like you're in your own private world? Then these are two great options to choose from. Give me a call and we can set up a time to view the homes. If you'd like more information on the importance of having representation in a new home construction purchase, you can read more about that here.
Some of the more popular subdivisions in South Mountain are the ones located in and around the Legacy Golf Resort. I get so many inquiries from potential clients regarding this area. It's a beautiful location. Lush, green golf course, mountain views as a backdrop, and the resort side of it is great, too. The communities are gated and you can pick from a larger, single family home or a condo. And if you want to be able to enjoy a pool, but not have to maintain it, then you can take advantage of the community pool here.
The area is surrounded by newer developments, shopping, new homes, and is just a short drive to downtown Phoenix. If you want to live close to where you golf, have a resort a few blocks away ready for out of town guests, this community would be ideal for you. I love visiting this community, the homes are so beautiful. For those of you not familiar with the Legacy, it's located north of Baseline Road, between 24th street and all the way over to 32nd street.
Like most of the Phoenix area, the number of homes currently for sale here has dropped considerably. There currently are only six properties for sale within the Legacy. So, if you're looking to sell your home in the Legacy right now, make sure it is priced right and shows well. And if you're looking to buy, what are you waiting for? Interest rates are still fairly low and if you see a home that fits your needs, then you should get started on the home buying process as soon as possible.
Are you interested in buying a home in a golf course community? Give me a call, aside from the Legacy, we have a few other golf course communities located in South Mountain along the Baseline Corridor. Contact me so that I can help you find what you're looking for.
There are two beautiful communities near this intersection at the base of South Mountain. One is Quintessa, the other is an even more exclusive community called Gilead at South Mountain. There are only twelve lots in this subdivision, and the views of South Mountain and the city lights are stunning. The Mormon Trail at South Mountain Park is located just south of the community. You don't even have to drive to hike South Mountain, it's right in your own backyard!
The homes are all have luxurious, spacious lots. The community is gated and the homes have beautiful features like granite kitchen counters, travertine and granite in the bathrooms, garden tubs in the master bathrooms, chef's kitchens, coffered ceilings, and the list goes on. One must really see the homes to appreciate all that they have to offer. The location is ideal if you're looking to be about a 10 minute drive from Sky Harbor Airport, about a 15 minute drive to downtown Phoenix, and the freeway is about four or five miles north on 24th street.
There is currently one home for sale in Gilead right now, it's just under 5000 square feet and currently listed at $600,000. Are you looking to buy a home with million dollar views? Then this community might just be for you. Give me a call and we can get started on your home buying process immediately!
Hello, readers. Yesterday I did a post on tips for For Sale By Owners here in the South Mountain area of Phoenix. As promised, here is part two.
Negotiations and contract acceptance-When you receive an offer, review the contract and any addends to see if the offer is something you are willing to accept. If not, draft up a counter-offer and let the negotiations begin! Getting to a meeting of the minds between you and the buyer will be key to getting an accepted contract and getting to the next step, opening escrow.
Home inspections, possible re-negotiations-The first ten days of the escrow period are designated the inspection period for the buyers. This means that they can conduct home inspections, termite inspections, and any other inspections that they feel has a weigh on their decision to buy your home. Providing the buyer with the Buyer Advisory is a very good idea. It provides a lot of information on sources of where the buyer can find the information they need to solidify their decision to purchase. After home inspections, the buyer may request repairs. That is where possible re-negotiations would come in. So be prepared for it!
The closing-After the home inspection, after repairs have been negotiated and repairs complete, the next step is to schedule the signing. During the escrow period, the title company has been working on doing their work to ensure that title transfers correctly from you to the new owner. While you've been working on inspections, repairs, negotiations, the title company has also been hard at work. When you get close to the Close of Escrow date, title will contact you to schedule a signing of all the documents required to transfer title, pay off any remaining mortgage balance (if applicable) and any other documents that were required for your transaction. They'll also contact the buyers to get them to sign their side of the documents.
Close of Escrow-Once all the paperwork has been signed, the title company will be in charge of ensuring that all documents are in order and everything is in place to record the sale of the property. The date the sale records is what we refer to as the Close of Escrow. That's the day that the buyers get the keys to their new home and you'll be happily moved into your new home.
This two part blog covers the main points of what would generally be required to sell your home. Of course, there are many more things that can occur during a transaction that you need to be prepared for. What if the buyer's financing falls through? What if a lien shows up on the property? If the home you're selling is vacant and it's vandalized during the escrow period, what happens?
Being that I'm a real estate agent, I will say that the burden of doing all of this on your own can be alleviated by hiring me. Of course, the decision is entirely up to you. But, if you do decide that you'd like to get the help of a real estate agent, there is nothing wrong with that, all sorts of people hire us. Even the founder of the For Sale By Owner website hired an agent to help him sell his property. Do you have any questions on home sales in the South Mountain area? Give me a call, 602.391.8986, or e-mail me. Thank you.
My goal is to make the home buying and home selling process as smooth as possible for my clients. The client comes first!
I have been proud to call the Valley of the Sun my home for over 30 years now. I have had the opportunity to visit many states in our great nation and I can't imagine living anywhere else but here. My goal is to be the best real estate agent possible so that I can be a great source of information for my clients.
I grew up in the South Mountain area of Phoenix and I specialize in the real estate of that area, and yes, I do assist sellers with short-sales. I attended South Mountain High School and ASU. Go Devils! Before making the move to real estate, I worked in the air freight industry.
I am here to make the real estate process for my clients as smooth as possible. Whether my clients are buying or selling homes, I am here to provide peace of mind.
Saludos a ustedes
Hola, he vivido en el valle del sol por casi 30 años, y me dedico a asistir al público con las compras y ventas de sus casas. Este es mi quinto año vendiendo casas, anteriormente yo trabajaba en una compañía de transportación aeria. Mi meta es poder ayudar a mis clientes con sus compras y ventas de casas y poder hacer el proceso una experiencía agradable. En vez de que sea un tiempo lleno de estrés. Estaré presente durante cada paso de la transacción para poder contestar cualquier pregunta que usted, mi cliente, tenga. Para más información sobre el proceso de comprar o vender su casa, o si simplemente busca algún consejo sobre biens raíces, por favor llámeme. Estoy aquí para servirles. Gracias.
Client Testimonials:
"Amazing real estate agent that I will definitely go back to whenever I make a house purchase!"
Cliff S.
"I highly recommend Luz Ibarra as a realtor. In today’s economy you need someone who is going to work for you whether you are looking to buy a house or sell one. Luz took care of all the details with the bank, which can be a frustrating process but she stayed on top of it. Other realtors will make a one-time effort to contact the bank on your behalf but that is it. They will not keep contacting the bank for you until there is a resolution and the process is completed like Luz. She also kept me updated with everything that was going on because it can be a lengthy process. Luz also provided me with valuable information to help me better understand the process of a short sale. I think communication and compassion is just a couple of Luz’s strengths. If you are looking for a realtor whom is friendly and will work hard for you then Luz Ibarra is your realtor.”
Melissa H.
"Thank you for all your help, guidance and patience. You truly made the process easier."
Julio & Rosa S.
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