Cave Creek Outdoor Activies

The weather is beautiful this time of year. Wondering what equestrian and hiking activities are available in Cave Creek, AZ? Look no further.

Cave Creek Outdoor Activities including Hiking and Horseback riding information is here for you.

Cave Creek's A Taste of Cave Creek is October 15-16, 2011

Cave Creek , Arizona, is what a western city is all about.  If you are new to the valley of the sun or if you haven't ventured to the lovely Town of Cave Creek, perhaps the weekend of October 15 and 16, you should consider the trip. The Historic Town is to Celebrate 25 Years of Incorporation and 140 years of Western Heritage

Historic Town of Cave Creek to Celebrate 25 Years of Incorporation and 140 years of Western Heritage With Community Culinary Event.  Come join the fun! The weather is perfect and the food will be great.  Enjoy samplings from 25+ of the area's best restaurants. The Taste of Cave Creek 2011 is October 15-16.  For $10 admission and $1-$4 for samples, enjoy country music, wine, beer and Cruz Tequila tasting, the largest Sonoran Fine Arts Exhibit, Desert Foothills Film Festival showings. and more.  It's sure to be a fun time in Cave Creek, AZ for all. 

When and Where:

Sat & Sun, Oct. 15 & 16, 2011 11am – 5pm at the Stagecoach Village: 7100 E. Cave Creek Rd, Cave Creek,

AZ

For more information call (480) 488-6612.

Tickets are available at town hall & the following participating restaurants:

Alberto’s Bad Donkey 

Big Earl’s Greasy Eats

Binkley’s

Bryan’s BBQ

Buffalo Chip Saloon

Café Bink

Carefree Resort & Villas

Cartwright’s

Cody’s

Dairy Queen

Electric Eel

El Encanto

Firecreek Coffee

Harold’s Cave Creek Corral

Heart & Soul Café

Hideaway

Horny Toad

Indian Village

Janey’s Coffee House

Joe Joe’s

Latilla at the Boulders Resort

Le Sans Souci

Saba’s                                                                                                      

Cave Creek Smokehouse

Tonto Bar & Grill

Come visit Cave Creek on October15-16,2011.

Arizona's most western town. It will be a fun time.

 

Liz and Mike Dobbins                                              

DobbinsDesertRealEstate.com                                               

West USA Realty

623-826-1981 or 623-826-6936

The Dobbins' are Area Experts and Outdoor Enthusiasts and can be reach by phone or email for your convenience. Info@DobbinsDesertRealEstate.com

I want to raise my bid or can I increase my offer now?

Is It Too Late to Change My Bid?

I wish I had a dollar for every client who has said that to me at one time or another agent who calls and asks to submit an offer to increase for their buyer well after the established cutoff. Usually, I get this phone call or email after the buyer has had a night or two to sleep on all the conversations we shared about the current market conditions, the number of contracts received by the listing agent on their favorite property and how the inventory is diminishing. Sometimes I am able to increase the offer for my clients, many times not.

Reasons range, a couple of most popular reasons for not being able to raise the offer value are:
1) The deadline has passed for the highest and best offer to be submitted to the seller for review
2) When placing an offer on a HUD Home the information is entered on line and 1 offer is submitted. There is no changing that offer once it is entered.
Many times those competitively valued homes are gone before a second round of offers can be submitted.

The Greater Phoenix area market now is a seller's market believe it or not. The numbers below are from Arizona Regional Multiple Listing Service (ARMLS) Stats. Some areas throughout the Phoenix area show more activity than others, but overall times are changing. Even though values are not increasing yet in most areas, homes are moving fast (if priced correctly). More short sale properties are being successfully closed allowing for fewer REO or "bank owned" properties on the market. The current activity rates parallel those seen in 2005-2006. As you can see from the information below the lender owned inventory is way down from 11 months ago. There were 7200 closed real estate transactions in February this number has been steadily increasing since then.
So, to answer your question my buyer or fellow agent "Can I raise my bid?" The answer is no. Make your first offer your best because there will probably not be a second chance.








Mike and Liz Dobbins serve the North Phoenix Valley, including Scottsdale, Fountain Hills, Carefree, Cave Creek, Desert Hills, New River, Anthem and Lake Pleasant Areas. The Dobbins' represent buyers and sellers all over the greater Phoenix area. Have a question? Call Mike and Liz Dobbins today! They are ready to go to work for you.
Call the Dobbins Team Today 623-826-1981 or 623-826-6936
or reach them by email at info@thedobbinsteam.com

Short Sale questions and answers for Desert Hills, AZ from Liz & Mike Dobbins, West USA Realty

Maybe you have been thinking about the possiblity of a short sale for your Desert Hills home , or just know someone who in Desert Hills, AZ who is. Maybe your Desert Hills, AZ neighbor sold their home as a short sale and you are now curious about how it works. Short Sales are such a huge topic in Desert Hills, AZ, Mike & Liz Dobbins have provided these answers to the most asked question we have received on the short sale process.

1. WHAT IS A SHORT SALE?

A short sale allows a homeowner to sell their home for less than they owe to their lender on the property. When the current market value of the home is less than the amount owned, the owner is considered “under water” or "short" in the amount of funds necessary to complete a traditional real estate transaction. The proceeds from the short sale are used to pay off the outstanding balance of the mortgage. Although the proceeds will be short of the amount owed on the mortgage, it allows the owner the opportunity to avoid foreclosure. It may put their credit standing in a better postion than if the actual foreclosure were to take place. The entire process hinges on the approval of the lender to accept the “short” balance of the mortgage. In some cases we have seen where the seller or the buyer must come up with additional funds to satisfy the note as paid in full with no further collection process in the future.

2. HOW DOES A HOMEOWNER QUALIFY FOR A SHORT SALE?

The homeowners must submit a packet of required documentation, including a “hardship” letter, explaining their reason for the need to sell, pay stubs, or a letter explaining that they are unemployed, back statements, two years of tax returns, and any other financial documents outlining the income, and debts. These will be updated as requested by their lender as the process moves along.

3. WILL THE LENDER APPROVE A SHORT SALE EVEN IF THE HOMEOWNERS IS CURRENT ON THEIR MORTGAGE?

It does depend on the lender, we have had instances where the approval was granted when the homeowners has never missed a payment. And we have had other cases where the lender demands the homeowner miss at least one payment before they will approve the short sale.

4. CAN A HOMEWONER DO A SHORT SALE EVEN IF THE PROPERTY IS IN VERY BAD CONDITION?

Regardless of condition, you can short sales a home if the lender approves the short sale. But, if the market is filled with short sales and the home is in poor condition, it will more than likely stay on the market much longer than one in good condition. We do suggest to at least have the house clean.

5. WHEN IS THE BEST TIME TO DO A SHORT SALE?

The sooner the better, as mentioned before, you don’t have to miss a payment, but if you are missing payments, give us a call, and we will get started since it is a long process. The most difficult short sale transactions are the ones where the foreclosure date is just a couple weeks away.

6. WILL A HOMEOWNER HAVE TO PAY THE BALANCE OF THE MORTGAGE?

We do always suggest discussing your approval with a attorney. We look to be sure there is a “Full Lien Release” sentence in the approval letter. However, all lenders issue different legal language. It is always best to seek legal advice anytime along the way during the short sale porcess.

7. HOW WILL THE SHORT SALE AFFECT A HOMEOWNERS CREDIT?

There are varous answers to that often asked question. Wehave heard from some of our past clients and mortgage professionals that a drop of zero to 200 points on the credit score may be expected. It does depend on where your score was when you began the process. We also do understand a short sale is going to be easier to rebuild your credit score than a foreclosure or deed in lieu of foreclosure.

8. HOW LONG DOES A SHORT SALES TAKE?

Many lenders are improving their institution's process, but the short sale negotiating will take anywhere from two to five months from getting the offer to the approval.

9. WHAT IS THE SUCCESS RATE OF A SHORT SALES?

We have seen about a 90% success rate, but we do use a professional negotiator who has done many short sales for many different lenders.

10. HOW MUCH WILL ALL THIS COST ME?

We do not charge the homeowners for our services, the lender should pay all the fees including our commission, and the negotiators fee. There may be some minor fees you may have to pay, but that varies with each lender.

FOR ANY OTHER QUESTION NOT COVERED IN THIS SHORT SALE DOCUMENT, PLEASE CONTACT LIZ AT 623-826-1981 OR MIKE AT 623-826-6936. We are experienced and ready to go to work for you.

PLEASE VISIT OUR WEBSITES THEDOBBINSTEAM.COM and LIZDOBBINS.COM

IMPORTANT NOTICE: LIZ & MIKE DOBBINS OR WEST USA REALTY ARE NOT ASSOCIATED WITH THE GOVERNMENT AND OUR SERVICES ARE NOT APPROVED BY THE GOVERNMENT OR YOUR LENDER. IF YOU DO ACCEPT OUR OFFER OF HELP, YOUR LENDER MAY NOT AGREE TO MODIFY YOUR LOAN. IF YOU DO STOP PAYING YOUR MORTAGE, YOU COULD LOSE YOUR HOME, AND DAMAGE YOUR CREDIT. WE ALSO RECOMMEND YOU CONSULT WITH YOUR ATTORNEY FOR TAX AND LEGAL INFORMATION REGARDING THE SHORT SALE PROCESS.

SHORT SALES QUESTIONS AND ANSWERS FOR DESERT HILLS, AZ Short Sale Desert Hills, AZ, Your Desert Hills Short Sale Realtors

Best Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S.

If you are looking for the Best Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S. , all you have to do is give a call to Dr. Brannon Reed D.D.S. I was looking for the Best Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S. when a friend of my told me about Dr.Brannon Reed D.D.S. and I set up my first appointment. I found the staff at the Best Dentist in Scottsdale Arizona to be very helpful and courteous. I had not been to the dentist in some time, as I like most, just don't like going to the Dentist! Well let me tell you, the Best Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S., is far from the norm. Dr. Brannon Reed D.D.S. I needed a laundry list of things done and the staff worked with me around my schedule to get it all done, by the Best Dentist in Scottsdale Arizona, Brannon Reed D.D.S. I had two Crowns put in after some time. Of course I go quite regularly now for my cleaning and he has a great staff for that. I was just recently there to have some fillings repaired, and it went just great! I also do know that the Dest Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S. does Implants as well, I am not quite ready for that yet, but Brannon Reed D.D.S is here when I am, as the Best Dentist in Scottsdale Arizona always makes my smile look its best! The best part of my trip to the Best Dentist in Scottsdale Arizona is that they take care of my insurance claim! So if you want your dental work done right, visit, Brannon Reed D.D.S the Best Dentist in Scottsdale Arizona. Take a tour of the Best Dentist in Scottsdale and see for yourself why Dr. Brannon Reed and his TEAM are the only Dentist in Scottsdale Arizona that you should consider.

Best Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S.

By,

Mike & Liz Dobbins

West USA Realty

480-948-5554

TheDobbinsTeam.com

LizDobbins.com

Best Dentist in Scottsdale Arizona - Dr. Brannon Reed D.D.S.