About azjoemartin

5 Ways To Avoid Foreclosure in Phoenix, AZ

phoenix_foreclosure5 Ways to Avoid Foreclosure!

In the news, there is talk of a housing recovery. Experts feel more optimistic about the state of housing industry in America. However, if you or someone you know is one of the millions of homeowners who is stuck with a home on which you owe more than the property is worth, the feeling of helplessness can be overwhelming and frustrating.

Many people don’t realize that just because they are in danger of losing their home to foreclosure doesn’t mean they have to wait around for it to happen. With help, they can take matters into their own hands.

YOU HAVE OPTIONS!

 As a Certified Distressed Property Expert (CDPE), I make it my business to know all of the ins-and-outs of the options available for people who are in danger of losing their homes and help them meet challenges head-on.

Take a look at the information on this site and then contact me today to schedule a free, confidential consultation.  By the way, a great starting point is to find our what your home is really worth in today’s market.  You will likely be shocked to find out how drastically things have changed for the better.  Many people I provide this free service to have found out the are no longer “upside down” or have “negative equity” in their homes.

Just drop me your email address below and I’ll direct you on how to get one of our Maximum Home Value Audit reports.  It’s FREE and there is no-obligation.

Joe Martin
480-270-5201
joe [at] homestyleteam.com

Phoenix Home Values: Why people are lining up to buy your Phoenix home!

phoenix_home_valuesPhoenix Home Values: Why people are lining up to buy Phoenix homes!

Today’s Phoenix real estate market is very different than it was a year ago. Prices have increased rapidly over the past 6-8 months. In fact, the average Phoenix home has gone up over 10% in the past year, a rate that is expected to continue for the foreseeable future. Low inventory combined with an increased number of people wanting to buy means that sellers are in the driver’s seat in

I have a report which explains in detail why prices have gone up and why your Phoenix home might be worth more than you think!  The report is entitled “Think You Can’t Sell Your Home? Think Again!”  I believe you’ll be surprised when you download and read the report about today’s market.

Just fill out the form below and I’ll get the report over to you straightaway.  Once you are finished reading it,  feel free to contact me directly for a free no-obligation maximum home value audit or if you’d like to know a value right away, just fill out the form on the next page:

Joe Martin
480-270-5201
joe [at] homestyleteam.com

Solving Your Mortgage Crisis Just Got Easier – Arizona Short Sale Info

Arizona Short Sale Information

5 Steps for a Successful Arizona Short Sale: 

Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.

If you are considering short selling your home to avoid the financial and emotional fallout of foreclosure, you should be aware of the five steps you should take to increase your chances of a successful Arizona Short Sale transaction.

First, do you qualify for an Arizona Short Sale?

You must:

  1. Have a verifiable hardship, like unemployment, medical bills, or relocation
  2. Must have a monthly income shortfall
  3. Be insolvent (you have no cash or assets that can be sold to pay down the mortgage), or headed towards insolvency

If you meet these qualifications, follow these five steps to a successful Arizona short sale:

  1. Contact me so we can identify your servicer, fill out an Arizona short sale packet for the lender, and assemble all the required information needed to list your home for sale
  2. Gather financial information (i.e., bank statements, pay stubs) from at least the last three months
  3. Keep your house in show ready condition for showings, and make as many repairs as necessary you can afford
  4. Expect the lender, junior lien holders, and private insurance companies to request more paperwork, and try to gather requested information quickly to ensure transaction efficiency
  5. Set realistic expectations and work with me, the lender, and the buyer to the satisfaction and benefit of all parties involved

For more information about how the Arizona short sale process works, or about any other foreclosure alternatives you may qualify for, call me today at 480-270-5201 or contact me here.  I can help you alleviate the burden the threat of foreclosure brings, and we can develop a strategy to help you breathe a little easier.

For more online information about short sales, please visit our Arizona Short Sale Information Center.

IMPORTANT GOVERNMENT DISCLOSURE: You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender (or servicer). If you reject the offer, you will not have to pay us for our services. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

Mortgage Forgiveness Debt Relief Act Will Cost Sellers $1000′s!

mortgage debt relief actIt’s True!

The lost tax savings for homeowners who waited too long, were not aware or were just playing ostrich will have potentially cost themselves  thousands in lost debt relief tax savings after December 31, 2012.

Debt Relief Act Ending Soon!

The sand is quickly pouring into the bottom of the Mortgage Forgiveness Debt Relief Act hour glass to forever vanish leaving wanton underwater Sellers no hope of the tax relief currently being offered through this unprecedented debt relief act.

What is the Mortgage Forgiveness Debt Relief Act of 2007?

The Mortgage Forgiveness Debt Relief Act of 2007 was enacted on December 20, 2007.

If you are a homeowner whose mortgage debt is partly or entirely forgiven during tax years 2007 through 2012, you may be able to claim special tax relief and exclude the debt forgiven from your income.
Depending on the situation, this would include homeowners who did a short-sale on their home due to a negative equity situation, or now commonly known as being underwater (this is where the value of the home is less than what is owed).

CRITICAL: Do NOT Delay and Come up Short Know Your Options on Mortgage Forgiveness Debt Relief

If you are a homeowner who is facing imminent foreclosure, is uncertain of whether you owe more on your home than what it is worth or are considering a short sale or loan modification, please fill out the form below and we will be happy to provide you a professional Maximum Value market analysis of your home at no-cost or obligation.

This is important to you as a first step in determining what your best option is between foreclosure, bankruptcy, doing a short sale or considering a loan modification.

Know your options on debt relief let us help educate you.  I have a national network of experienced agents I work with across the United States, so whether you’re in Florida, New York or Arizona, we want to help you get educated about your options regarding the Mortgage Forgiveness Debt Relief Act before it is too late.

Mortgage Forgiveness Debt Relief Act

Don’t Miss Out on the Mortgage Debt Relief Tax Savings You Deserve

Please fill out the form below and we will get you the information you need to know your options – we truly do want to help.  Please don’t get caught missing out on the debt relief tax savings you deserve by delaying too long to make the decision to get out or take action.

 

 

 

 

It’s True!

The Debt Relief Act is Ending Soon!

 

Phoenix Home Remodeling – Costs vs Value

cost vs valuePhoenix Home – Costs vs Value…

This is a question consistently arising from Sellers and homeowners about what improvements or repairs should of should not be done to improve the value of a Phoenix home when preparing to market or remodel their home.  One of the resource tools I’ve found handy you can use is Remodeling Magazines “Costs vs Value Tool“.

It compares data with their annual report on the relationship between remodeling costs and resale value.  You can compare national and regional averages for 33-35 popular remodeling projects and you can also download a PDF with project data for any one of 80 U.S. cities, including Phoenix homes.

Phoenix Home city data for the projects include:

  • City Job Costs
  • City Resale Value
  • City Cost Recouped
  • City/Region Comparison
  • City/National Comparison

Here’s the link to the 2010-2011 Phoenix Home city data:

Phoenix Home Data

Remodeling Magazines tool can help Phoenix Home-owners compare and answer some of these common homeowner questions:

  1. How do current year numbers compare to the previous three years for homes in Phoenix or in your city?
  2. Are national or regional averages for some projects improving or declining compared with 2007, 2008-09 and 2009-10 results in your area?
  3. Are some projects performing better for homes this year than in the previous three years?
  4. How do numbers compare to those in other markets to your hometown?

Remodeling Magazine offers three types of data comparison reports and the best part is they’re FREE:

National

Regional

City

Some of the top fixes I personally believe are critical due to increased buyer appeal are:

  1. Paint (Interior and Exterior)
  2. Yard Cleanup / Landscaping
  3. Fixtures / Appliance updating
  4. Update Flooring
  5. Update Front Door


If you are
considering making a move, would just like to compare values or have a desire to search for a new Phoenix home…you can begin your search by clicking on the big Search for Listings button below.

Search Phoenix Home - Metro MLS-Phoenix Real Estate,Foreclosures,Homes For Sale

Phoenix Home Search.