New Changes to Mortgage Loan Disclosures

April 30th, 2015
BBTatHSLogo

Ask us anything regarding buying and selling a home in Arizona and we can help you. Ask us about the new laws regarding the Dodd-Frank TILA-RESPA Integrated Disclosure Rule and we turn to Matt Baker, Loan Officer extraordinaire with HomeStreet Home Loans. Below are the comments from Mr. Baker regarding the changes that will go into effect on August 1st, 2015. Continue reading…

Who Can Sign to Buy a Home?

April 21st, 2015
signing deed

The manner in which real property is titled can be critical to keeping title clear of “clouds” or flaws. In order to have a properly titled and insurable deed to your property it must be executed by the party who has the actual legal authority, under the laws of the State, to convey the title. Additionally, all parties with any interest in the property must be accounted for. Proper, authorized signatures are critical in the real estate closing, but it is not always evident in some cases who is the authorized party. How do you know who is authorized to sign the Deed as the Grantor? While each situation can be different, the following may be used as a guide. Continue reading…

Is There a Difference Between a Real Estate Agent and a REALTOR?

April 15th, 2015
photo for ethics blog

Did you know that there’s a difference between a real estate agent and a REALTOR? Most people we speak with don’t. It might sound like a distinction without a difference, but it’s not. The difference is important because who you work with matters. You want the real estate professional you’re working with to adhere to a code of ethics. And that is exactly what all REALTORS agree to do. Continue reading…

10 Tips to Drive Safely in Phoenix

April 9th, 2015
car

I think driving in Phoenix is easier than anywhere else I have lived. The roads are well-maintained, the streets are laid out fairly easily, the sun shines 85% of the time, it doesn’t rain very much, and it never snows…well, almost never. It snowed on February 20, 2013. The good news is that it melted fairly quickly. You can sell your snow shovel, or give it to you neighbor. Below are 10 tips that will help keep you safe and happy while driving in the Valley of the Sun: Continue reading…

Tips for Holding a Successful Garage Sale

March 26th, 2015

Well, it is officially spring time and so starts the “cleaning season”. Something that could help with that is a garage sale. There are a lot of good reasons you may want to hold a garage sale. Some of the reasons you may want to consider include: Continue reading…

St. Patrick’s Day in Phoenix

March 16th, 2015
Casey Moore

St. Patrick’s Day is on March 17th every year. This year St. Patrick’s Day falls on a Tuesday. If you’d like to read the history of St. Patrick you can find it in an article we wrote on March 17, 2008. My wife, Kirsten, and I are not really beer drinkers. We’d much prefer a nice bottle of Chardonnay. The problem is that drinking green wine just doesn’t feel right, even on St. Patrick’s Day. So, you will most likely find us at one of the places below this year with green beer in one hand and a fork full of corned beef and cabbage in the other. Continue reading…

Finding A Forever Home

March 10th, 2015
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Alright. We admit it. We’re dog lovers. And we were so happy when we saw the latest Coldwell Banker commercial during the 2015 Academy Awards. If you missed the commercial you have to see it. You will fall in love with the dog actors, but more than that you will get to see all the wonderful things Coldwell Banker is doing to help homeless dogs. For over 100 years Coldwell Banker has helped people find a home, and now their mission has been extended to man’s (and woman’s) best friend. Coldwell Banker has “teamed up with Adopt-a-Pet.com, North America’s largest non-profit pet adoption website, to help adoptable dogs find a loving home.” Continue reading…

What is Escrow?

March 5th, 2015
Title company

We get asked on an almost daily basis, “What is escrow”? This is a great question, and for most people this question is as mysterious as “Is there alien life on other planets?” or “Why is the sky blue?” Merriam-Webster Dictionary defines an escrow as “a deed, a bond, money, or a piece of property held in trust by a third party to be turned over to the grantee only upon fulfillment of a condition.” This is a great definition of what an escrow is, but when you’re buying or selling a home, a title company does so much more. Below is a description of the many roles a title company plays in the process of transferring real estate from one party to another. Continue reading…