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If you are a buyer of real property…you might be asking what is this thing called “title insurance”? You may also be thinking it is a pretty big dollar line item on the settlement statement and that just maybe you are being sold something you do not really need. After all…you might have been renting …

Well…I can answer this question! The loan process is just that…A PROCESS. Have you ever heard someone say they thought they were approved for a home loan and in the end they did not qualify? Let me tell you some “insider” secrets as to why… Lender, Gina Chavez, shared with me some of the main reasons …

All of us in the business of real estate have been talking about the Mortgage Debt Relief Act being extended. (READ MORE ABOUT THAT HERE) But there are a few other key points that have an effect as well. Here are some highlights I thought worth mentioning: 1. DEDUCTION OF MORTGAGE INSURANCE PREMIUMS If you have …

Well…in typical Washington fashion…at the 11th hour…Congress extended the Mortgage Debt Forgiveness Act of 2007  for one more year. This is GREAT news for those folks still wanting to short sale a property. If this had NOT been extended, debt forgiven as a result of a short sale or mortgage modification would have counted as income for …

I really don’t like pressure. I prefer to work and manage my life in a planned manner to avoid pressure and stress. But if you are an “upsidedown” homeowner considering a short sale…the pressure IS ON. Why? Because… Time is running out on tax amnesty for short sales and foreclosure A couple of years ago, …

If you have been around for awhile in the “game” of real estate…you know the rules of lending have changed time and time again. And now…AGAIN. The most recent changes apply to people seeking a FHA loan. Mortgage insurance premium (MIP) is going up 4/1/2012 – The upfront financed premium is going from 1.00% to 1.75% and …

I am blessed…and the next blog I write will give MORE examples of that…but as a result of my blessings…my hubby and I were invited to have dinner at a local Phoenix restaurant where we have never had the pleasure of dining before. Michelina’s at 3241 E. Shea. OMG (oh my goodness)! I can’t even describe how …

This is something we do every year for gifts….CHOCOLATE TAMALES.  And they are easy…AND I am giving away the recipe…TO YOU!  :) OK…Here is what you need: For a single batch: 1 bag chocolate chips 1 bag butterscotch chips 1/2 jar dry roasted peanuts Tamale corn husks First…get the corn husks soaking as they have …

So…my hubby and I wanted to do something different…so we decided on a movie and lunch…at the SAME TIME! We went to the AMC Theater Esplanade Cinema Suites in the Biltmore area of central Phoenix. AND WE LOVED IT!  :) OK…well…I maybe liked it more than my hubby…as we saw the new Twilight movie, Breaking Dawn Part 1. I …

Do you still have that bread maker in the garage that you just HAD TO HAVE…but used only once? Or how about the set of cookware your Mom passed on to you but you have never had out of the box? I have just the place for you. Kitchen Switchin’ in the central Phoenix, AZ area. It …