Bill Salvatore Realtor
Your Valley Property Team
A reputation for realty excellence throughout the Greater Phoenix Valley
Arizona Elite Properties 2425 S Stearman Drive, Suite #120, Chandler AZ
Call or Text: 602-999-0952 eMail: golfarizona@cox.net
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Arizona Elite Properties 2425 S Stearman Drive, Suite #120, Chandler AZ
Call or Text: 602-999-0952 eMail: golfarizona@cox.net
or use the contact form if you prefer
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Bill Salvatore Realtor Arizona Elite Properties 602-999-0952 eMail: golfarizona@cox.net
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When this happens, it's usually because the owner only shared it with a small group of people, changed who can see it or it's been deleted.0 CommentsComment on Facebook
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1767 E Augusta AVE, Chandler, AZ 85249
www.flexmls.com
This is the life! Whether avid golfer, devoted hobbyist, or you prefer to just chill poolside, Chandler's vibrant Sunbird community offers all you could wish for at a surprisingly affordable rate. Ope...0 CommentsComment on Facebook
4 Tips for Self-Employed Homebuyers
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1. Keep Meticulous Records of Your Income
As a self-employed homebuyer, detailed financial records are essential. Lenders want to see that you have a reliable cash flow, which means consistent income records can make all the difference. From tracking invoices to keeping monthly income reports, showing a steady financial history will help build lender confidence and increase your chances of approval.
2. Prioritize Your Credit Score
Your credit score is one of the key factors lenders consider. Make sure you’re paying all bills on time and keeping your credit utilization low to build and maintain a strong credit profile. A good score helps assure lenders that you’re financially responsible, which can be particularly valuable as a self-employed buyer. Regularly reviewing your credit report for any inaccuracies can also help you stay on top of your credit health.
3. Be Prepared with Extra Documentation
Self-employed borrowers typically need to provide additional financial documentation, such as tax returns, bank statements, and profit/loss statements. These documents help demonstrate financial stability and show lenders that your income is reliable. Organizing these documents in advance will not only streamline the application process but also help make a stronger case for your financial readiness to buy a home.
4. Stay Focused on Your Goal
Being self-employed may come with unique challenges in the mortgage process, but your goal of owning a home is within reach. Stay committed, and remember that preparation is key. Every document, every financial decision, and every conversation with a lender is a step closer to your new home. By keeping your goal front and center, you’ll stay motivated throughout the process, and each step will feel like progress toward the dream you’re building.
Ready to Make Your Dream a Reality?
Homeownership is one of the most rewarding milestones, and with the right approach, it’s absolutely attainable for self-employed individuals across the United States. If you’d like guidance from a trusted mortgage professional or need help preparing your financial records, we’re here to support you. Give us a call or send us a message, and we’ll connect you with the best resources to make your journey to homeownership smooth and successful. Let’s make your homeownership dream come true together!
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
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Our newest Chandler listing 5-bedroom home with redone pool
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2592 E Torrey Pine LN, Chandler, AZ 85249
www.flexmls.com
So convenient and a remarkable find! Beautifully updated kitchen and baths give this spacious home decidedly contemporary character, while warm-hued, plank style flooring and all new windows keep it c...0 CommentsComment on Facebook
Should a seller pay a buyer's agent?
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When selling your home, offering compensation to a buyer’s agent can be a smart investment for several reasons:
Increased Buyer Pool: Buyer agents represent a significant portion of potential homebuyers. By compensating them, you attract more agents who bring their qualified clients to your property. The more buyers see your home, the higher the chances of receiving competitive offers.
Professional Expertise: A buyer’s agent provides expert guidance to their clients throughout the transaction, helping them understand the market, assess the property, and navigate negotiations. This can streamline the process, making it easier for both you and the buyer to close the deal smoothly and with fewer obstacles.
Faster Sale, Better Price: By offering compensation to buyer agents, your listing may gain more visibility and traction. More exposure often leads to faster sales and can drive up the sales price by creating demand and competition among buyers.
Buyer Confidence: Many buyers feel more comfortable working with an agent they trust. When a buyer feels well-represented, they’re more likely to move forward confidently with the transaction, reducing the likelihood of the deal falling apart.
Avoiding Buyer Fees: If a buyer must pay their agent out of pocket, they may negotiate harder on the price of your home to offset that expense. Paying the buyer’s agent yourself can help avoid this additional point of contention and make your home more attractive.
In summary, paying a buyer agent is an incentive that can lead to a quicker, smoother sale at the best possible price. It’s a strategic investment that ultimately benefits both the seller and the buyer in creating a successful transaction.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
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Arizona Real Estate
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A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
Avoid Disappointment When Buying a Home: Stay within Your Budget
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Shopping for a home is one of the most exciting times in your life, but it can quickly turn frustrating if you fall in love with a house that’s out of your price range.
Avoid Disappointment When Buying a Home: The Importance of Staying Within Your Budget
Buying a home is a big decision, and while it’s tempting to “just take a peek” at that beautiful home slightly above your budget, it can lead to unnecessary disappointment. As an experienced realtor with over 35 years of banking and real estate expertise, I’ve seen it happen time and time again: buyers set their sights on a home that’s out of reach, and suddenly, nothing else measures up.
Here’s How It Happens:
Imagine you’re pre-approved for a mortgage with a budget of $300,000. You’ve seen a few nice homes within your price range, but you decide to visit a property listed at $350,000. The finishes are top-notch, the space is perfect, and it has all the features you’ve dreamed of. Now, every home you view in your budget feels like it’s lacking. That initial excitement turns into frustration, and finding your perfect home becomes much harder than it needs to be.
Stay Focused:
To avoid this common pitfall, focus on homes that fit comfortably within your budget. This way, you can compare properties fairly, make confident decisions, and fall in love with a home that won’t stretch your finances. Remember, there’s a perfect home out there for every buyer—one that meets your needs, matches your style, and fits your budget.
Ready to start your home-buying journey? Let’s find the perfect home for you within your budget. Follow me for more real estate tips, and reach out to me when you’re ready to buy or sell a home in the area. With over 35 years of experience in banking and real estate, I’m here to make your home-buying process smooth and enjoyable. Contact me today to get started! #RealEstateTips #bhhs #preappoved #mortgage #realtoradvice #realtor #HomeBuying #LocalRealtor
Follow Me:
Stay up-to-date with the latest real estate tips and market trends by following me on social media! Whether you’re buying or selling, I’m your go-to realtor for expert advice and personalized service in our community. Let’s turn your home dreams into reality!
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
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Arizona Real Estate
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A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
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Don’t Lose a Sale Over Pennies: Keep Your Word When Selling Your Home
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Imagine this: your home has been sitting on the market for 150 days or more, and finally, you get a buyer who makes a verbal offer. You agree, but the next morning, you wake up and decide to ask for an extra $1,000. While that might seem like a small amount, it could have a huge impact on the deal.
Changing terms after a verbal agreement can frustrate the buyer and damage your trustworthiness. Even though verbal agreements aren’t typically enforceable, keeping your word goes a long way in maintaining a smooth transaction. By trying to squeeze out an additional $1,000, you’re essentially buying back your own house. If your home was listed at $500,000, is it really worth risking the deal over a minor amount?
Don’t let impatience derail your sale! Stick to your word, and let’s get that home sold.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
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Arizona Real Estate
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A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
Tips for Hiring a Home Inspector
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Congratulations on your offer being accepted! In many cases, you may have a provision in your sales contract for a satisfactory home inspection. You're one step closer to owning your dream home. Now is the time to choose a home inspector to take a closer look at the property.
Inspectors are thorough and in some states are required to be licensed. They have extensive training and follow strict rules to inspect the home's structure, electrical systems, AC and heating, plumbing, appliances, and many other aspects.
Inspectors find things you might not be familiar with or have overlooked. Even in brand-new construction, inspectors will find issues. This way, you know about the problems and can determine how to deal with them.
Inspections help you make decisions. If the inspection uncovers big surprises, you may want to ask the seller to make repairs or lower the sales price. You may also decide to walk away from the transaction.
It's better to know about problems before you close the sale on a home. No one likes it when an inspector finds deficiencies, but it's better to know about them upfront than to find out later. An inspection can help you avoid surprises down the road and make an informed decision about your purchase.
Your agent can recommend a qualified inspector and answer questions you may have about the process and what to expect. Another alternative is to ask friends who have purchased a home recently about the inspector they used and any suggestions they might have.
Some additional tips for hiring a home inspector:
Make sure the inspector is licensed, if required, and insured. Ask if they belong to any professional organizations.
Ask the inspector about their experience and what they will be inspecting, as well as the type of report you will be receiving from them and whether it includes pictures of items in question.
Ask if you can be present for the inspection so you can ask questions and watch the process to better understand.
By following these tips, you can hire a qualified home inspector who will help you make a wise decision about your purchase and protect you from unforeseen surprises.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
Arizona Real Estate
www.billsalvatore.com
A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
The Impact of Fed Rate Cuts on the Housing Market
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The Federal Reserve is expected to cut interest rates in 2024, which could have significant implications for the housing market. Lower interest rates typically lead to reduced mortgage rates, making home loans more affordable. This is great news for potential homebuyers, as lower borrowing costs could help more people qualify for mortgages.
Why It Matters:
Buyers could face lower monthly mortgage payments.
Sellers may see an increase in buyer activity as financing becomes more accessible.
What You Can Do: If you’re thinking about buying, now is the time to act before the rates start fluctuating again. Sellers can also take advantage of the increased buyer interest.
“Fed rate cuts could be the key to unlocking your next home!”
“Don’t wait—call me now to explore your financing options and get ahead of the market!”
#RateCuts #bhhs #HomeLoans #RealEstateFinance
Follow Me: Follow me for all things real estate! If you’re buying or selling a home in the area, contact me, Bill Salvatore
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
Arizona Real Estate
www.billsalvatore.com
A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
Check out this link from our local Realtors + MLS, below for the newest homes to come on the market.
Chandler Arizona homes for sale today
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Selected
www.flexmls.com
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𝗥𝗮𝘁𝗲𝘀 𝗥𝗶𝘀𝗲, 𝗗𝗲𝗺𝗮𝗻𝗱 𝗙𝗮𝗹𝘁𝗲𝗿𝘀
Generally, the real estate market is like a large ship taking a long time to turn. Since the beginning of the year, the market has slowly shifted in favor of buyers and away from sellers. That slow moving erosion seemed to undergo a shift in September, when rates dropped and both buyers and sellers responded. Demand was up approximately 14% compared to this time last year. Given that it has been over 3 years since we’ve seen any improved year over year numbers, this was good news indeed. The caveat? Supply is also up - 52% over last year and up 3.7% in just the past week. Further, even though most people incorrectly thought mortgage rates would drop after the Federal Reserve cut their base rate – a stronger than expected economy and jobs report delivered the opposite. We now have the highest mortgage rates in 2 months.
Therefore, what seemed to be a fast-moving demand trend in favor of the sellers quickly reverted to buyers being favored in most market segments thanks to the rising rates. Also, seasonally, supply grows this time of year throughout October and November – only to decrease as sellers come off the market in December. As the Cromford Report points out: “Buyers are still gaining negotiation power as supply rises… The general picture is of low volumes but stable pricing. The outlook is for volume to improve a bit and for prices to remain stable with a slight downward tendency due to the slight excess of supply over demand…Unless the trend changes direction we are headed toward a buyer's market.”
The best strategy for sellers is hire well and get pricing and marketing right from the beginning. For buyers, recognize you have a window of opportunity to buy with stable pricing and choices. Both sides need to know their strengths and weaknesses.
Russell & Wendy Shaw ... See MoreSee Less
Bill Salvatore SELLS HOMES / Arizona Elite Properties
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How to Create Beautiful & Low-Maintenance Flower Beds?
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Flower beds are a fantastic way to bring color and charm to your yard, but they can also become overwhelming if not planned properly. With a few smart tips, anyone can create a beautiful, low-maintenance flower bed that will thrive for years.
Choose the Right Plants
The first step to success is selecting the right plants. Opt for perennials that return year after year, like daylilies, hostas, or lavender. These require less attention than annuals, which need to be replanted every season. Also, native plants are an excellent choice as they are well-adapted to your local climate and soil, making them easier to care for. For a list of native plants ideal for your region, check out this helpful guide.
Mulching is Your Friend
Mulching helps your flower beds stay low-maintenance by reducing weeds, retaining moisture, and regulating soil temperature. Organic mulch, such as bark or shredded leaves, slowly breaks down and enriches the soil. Be sure to apply a thick layer of mulch, around 2-3 inches, to ensure optimal protection and weed suppression.
Proper Spacing and Grouping
When arranging your plants, consider the growth habits of each one. Leave enough space between them to allow for growth, and group plants with similar water and sunlight needs. This approach simplifies watering and helps avoid over-caring for more resilient plants.
Add Decorative Borders
To make flower beds look tidy and well-defined, consider adding a simple border. Edging materials like stones, bricks, or even a small wooden fence can provide structure while enhancing the visual appeal.
Looking to enhance your garden space even further? Surrounding flower beds with well-maintained outdoor areas can increase the appeal of your home. Many homeowners find that attractive landscaping contributes positively to property values, like the properties listed on Arizona Resource Realty.
Water Efficiently
Use a soaker hose or drip irrigation system to water your plants more efficiently. These methods ensure that water goes directly to the roots where it’s needed most, without the evaporation that comes with overhead sprinklers.
With thoughtful planning and these simple tips, anyone can enjoy a vibrant, colorful flower bed without the extra hassle!
Specializing In REO Properties, Short Sale & Default Properties, Traditional Real Estate. AZVHV / Arizona Veterans helping Veterans with all Real Estate needs.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
Arizona Real Estate
www.billsalvatore.com
A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
How to Repair Minor Countertop Damage?
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Countertops are a key part of any kitchen or bathroom, so it can be frustrating when they start showing signs of wear and tear. Cracks, scratches, and stains are inevitable, especially with daily use. Fortunately, you don’t always have to replace your entire countertop. Here are some simple repair tips that could save you both time and money.
1. Fixing Scratches
If your countertop has small surface scratches, it’s relatively easy to buff them out. For laminate countertops, a simple trick is to use baking soda mixed with water to create a paste. Gently rub this mixture onto the scratched area using a soft cloth in a circular motion, then wipe it off and polish. For deeper scratches, consider using a specialized scratch repair kit available at most home improvement stores. Granite and marble countertops may require a bit more care; use a stone polish and a soft cloth to gently buff the area. If unsure, it’s best to contact a professional.
2. Filling Cracks and Chips
Cracks or chips can be alarming but don't always warrant a full countertop replacement. In many cases, you can fill the damage using an epoxy resin, especially for stone countertops. Choose a resin that matches the color of your countertop, apply it to the damaged area, and smooth it over. Once dry, sand the area lightly to even out the surface. This method is particularly effective for granite and marble, where chips can be more visible.
3. Removing Stains
Stubborn stains are another common issue, especially with porous materials like marble and granite. To tackle these, make a poultice with baking soda and water, apply it to the stain, cover it with plastic wrap, and leave it for 24 hours. This helps draw out the stain. For laminate countertops, a vinegar and water solution can work wonders for most stains.
Conclusion
Repairing your countertops yourself can be a rewarding task. However, for major damage or when repairs no longer suffice, considering a full replacement may be necessary. If you’re ever planning to sell your home, ensuring your kitchen looks its best is essential.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
Arizona Real Estate
www.billsalvatore.com
A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
Thanks to rising home values and limited housing supply, the average homeowner now has around $267,000 in equity, creating a comfortable cushion even in uncertain times. With nearly 40% of homes fully paid off and the total value of owner-occupied homes at a record $48.2 trillion, homeowners are in a strong position to feel secure and optimistic about their investments. It's not too late to get into the market. The best time to buy a home was yesterday, the second-best time is today - so let's get started.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
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Ever wondered what the difference is between a Realtor and a real estate agent?
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Ever wondered what the difference is between a Realtor and a real estate agent? You’re not alone! While both professionals help you buy or sell homes, the key distinction lies in the level of commitment and professionalism you receive.
All real estate agents are licensed to assist with buying, selling, or renting property. However, not all agents are Realtors. So, what’s the difference? A Realtor is a member of the National Association of Realtors (NAR) and adheres to a strict code of ethics that sets them apart in the industry. This means when you work with a Realtor, you’re not just getting a licensed agent—you’re getting a professional committed to honesty, integrity, and putting your needs first.
As a Realtor, I am dedicated to upholding these standards and providing you with the best possible service in every transaction. Whether you’re buying or selling, having a Realtor by your side ensures you have someone who will advocate for your best interests, navigate complex paperwork, and offer expert advice to help you achieve your real estate goals.
Ready to experience the Realtor difference? Reach out to me today, and let’s make your next move your best one! Whether you’re buying or selling in the area, I’m here to help every step of the way. Don’t forget to follow me for more real estate tips and updates!
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
Arizona Real Estate
www.billsalvatore.com
A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
The Impact of Bankruptcy on Home Sales
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Bankruptcy can significantly affect home sales, whether you're a seller, buyer, or dealing with the property of someone who has declared bankruptcy. Here’s a breakdown of how it influences the process:
1. For Homeowners Declaring Bankruptcy:
Automatic Stay: When a homeowner files for bankruptcy, an automatic stay is placed on their assets. This means creditors, including mortgage lenders, cannot collect debts, foreclose, or sell the home without court approval. It temporarily halts foreclosure and gives the homeowner some breathing room.
Chapter 7 Bankruptcy: In Chapter 7, the debtor’s assets may be liquidated to pay off creditors. If the home has significant equity, the bankruptcy trustee may sell it to pay off debts. However, homeowners are often able to keep their primary residence if they can exempt the property under state or federal bankruptcy exemptions.
Chapter 13 Bankruptcy: Chapter 13 is a reorganization bankruptcy that allows homeowners to create a repayment plan, enabling them to keep their home if they can catch up on missed mortgage payments over time. They may sell the home during or after the bankruptcy with court approval, which could satisfy some or all debts.
Credit Impact: Bankruptcy severely impacts credit scores, making it difficult for homeowners to qualify for new financing or refinance after the sale of the home. A Chapter 7 bankruptcy stays on the credit report for 10 years, while Chapter 13 remains for seven years.
2. Selling a Home During Bankruptcy:
Court Permission Required: To sell a home during a bankruptcy, the homeowner needs court approval, especially in Chapter 7 or Chapter 13 filings. The court will evaluate whether the sale benefits creditors and complies with the bankruptcy plan.
Limited Control: In a Chapter 7 bankruptcy, the trustee controls assets, including the home. The trustee may handle the sale process, and any proceeds will be used to repay debts before any remaining funds are returned to the homeowner (if exemptions apply). In Chapter 13, the homeowner retains more control but still needs court approval for a sale.
Short Sales: In some cases, a homeowner might pursue a short sale during bankruptcy if the home is underwater (worth less than the mortgage). The court and lender would both need to approve the sale.
3. For Buyers Purchasing from Bankrupt Homeowners:
Delayed Process: Buying a home from a homeowner in bankruptcy is complex. The process can be slow due to court involvement, and all terms of the sale must be approved by the court.
Clean Title: Buyers must ensure that the property title is clear of any liens or encumbrances related to the bankruptcy. Working with a real estate attorney or title company familiar with bankruptcy sales is important to avoid potential legal issues.
Opportunities: While the process is challenging, homes sold during bankruptcy can sometimes present buying opportunities for investors or buyers, as sellers might be motivated to sell quickly.
4. Effect on Real Estate Agents:
Disclosure and Legal Requirements: Real estate agents must navigate disclosure requirements carefully. A home in bankruptcy must be clearly presented to potential buyers as such, and agents may need to coordinate with the bankruptcy court, trustee, or homeowner’s attorney.
Commissions: In bankruptcy cases, agent commissions might be subject to court approval. If the bankruptcy trustee is involved, they may negotiate commission rates to maximize the payout for creditors.
In summary, bankruptcy complicates home sales by involving the court, limiting the homeowner's control, and introducing more legal hurdles. Whether you're a homeowner in bankruptcy or a buyer interested in a bankrupt property, careful attention to legal processes is essential.
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
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Moving to a New Home? A Guide to Shipping Your Belongings Safely
___________________________
Moving to a new home can be both exciting and challenging. One of the biggest tasks is figuring out how to transport your belongings safely to your new location. While larger items like furniture typically require professional movers, smaller items, such as clothing, books, and decor, can often be shipped more affordably. In this guide, we’ll walk you through the steps to safely ship your smaller items to your new home, ensuring they arrive in one piece and on time.
1. Sort and Declutter Your Belongings
The first step in any move is to sort through your belongings. Take this opportunity to declutter and decide what you really need to bring with you. Items you no longer want or need can be sold, donated, or recycled, which will save you both time and money on shipping.
Tips for Decluttering:
Start Early: Give yourself plenty of time to sort through your belongings before you need to start packing.
Categorize: Divide items into categories like “keep,” “donate,” “sell,” and “discard.” This makes it easier to see what you need to pack and ship.
Minimize Duplicates: If you have multiple similar items, consider keeping just one or two to lighten your load.
2. Organize Your Packing Materials
Once you’ve decided what to bring, gather the packing materials you’ll need. The right packing supplies can make all the difference in protecting your belongings during transit. Here are some essential packing materials for shipping small items:
Boxes: Use sturdy boxes in a variety of sizes. Smaller boxes work well for heavier items like books, while larger boxes are ideal for lightweight items like clothing.
Bubble Wrap: Bubble wrap provides cushioning for fragile items and reduces the risk of damage.
Packing Paper: Wrapping items in packing paper helps to prevent scratches. Use it for dishes, small appliances, and other delicate items.
Packing Tape: High-quality packing tape secures your boxes and prevents them from opening during transit.
Labels and Markers: Label each box with its contents and the room it belongs to in your new home. This will make unpacking easier and more organized.
3. Use the Right Packaging Techniques
Packing items securely is crucial when shipping to ensure they arrive in the same condition you sent them. For example, delicate items like electronics and glassware need extra protection, while sturdy items like books can be packed more tightly.
How to Pack Different Types of Items:
Clothing: Fold clothing neatly and place it in plastic bags before putting it into boxes. For delicate items, consider using tissue paper to prevent wrinkles.
Books: Stack books flat in small boxes, as they can become quite heavy. Fill any gaps with crumpled paper to prevent shifting during transit.
Electronics: Wrap electronics in bubble wrap and secure them with tape. Place them in a box filled with packing peanuts or crumpled paper to keep them from moving around.
Kitchenware: Use packing paper or bubble wrap to wrap each piece of kitchenware individually. Place heavier items on the bottom of the box, with lighter items on top.
4. Choose a Reliable Shipping Service
Selecting a reliable shipping service is essential to ensure your items arrive safely at your new home. If you’re moving small, non-furniture items, a shipping service can be an affordable and efficient option. Many shipping companies offer a variety of options, including express and standard shipping.
One option to consider is ParcelABC, which specializes in shipping small to medium-sized items internationally. ParcelABC makes it easy to compare rates from multiple carriers, helping you find the best service to meet your needs. This can save you both time and money, as you’ll be able to choose the most affordable and reliable option for your move.
5. Insure Your Valuable Items
Even with careful packing, accidents can happen during transit. For valuable or fragile items, consider purchasing shipping insurance. Insurance provides peace of mind by covering the cost of replacement if an item is lost or damaged.
When to Consider Insurance:
High-Value Items: Electronics, jewelry, and collectibles should always be insured.
Fragile Items: Items that are more prone to damage, such as glassware or artwork, benefit from additional insurance.
Sentimental Items: While you may not be able to replace sentimental items, insurance can help cover the monetary value in case of loss or damage.
6. Consolidate Shipments for Cost Savings
If you have multiple boxes to ship, consider consolidating them into one larger shipment. Many carriers offer bulk shipping discounts, allowing you to save money by sending several items together. This also reduces the risk of individual packages being misplaced during transit.
However, remember that combining too many items into one box can make it difficult to handle and increase the risk of damage. Instead, pack items in a manageable number of boxes and ensure each box is well-padded and sealed.
7. Ship Items in Batches if Necessary
If consolidating all of your items into a single shipment isn’t feasible or if you want to manage costs, consider shipping items in batches. This approach is especially useful if you have an extended time frame to complete your move. You can start by shipping items you don’t need right away, such as out-of-season clothing or books.
Shipping in batches allows you to spread out costs and avoid feeling overwhelmed with packing. Additionally, you can prioritize which items need to arrive first and ship them accordingly.
8. Track Your Shipment
Tracking your shipment is a helpful way to stay informed about the location and estimated arrival of your belongings. Most shipping providers offer tracking services that allow you to monitor your package in real-time. This is particularly important for valuable or fragile items, as it provides an extra layer of security and peace of mind.
How to Make the Most of Tracking:
Choose Carriers with Detailed Tracking: Some carriers offer more comprehensive tracking options, which provide updates on your package’s location and estimated delivery date.
Sign Up for Notifications: Many services allow you to receive tracking updates via text or email, so you’ll know when your package is on the move or has been delivered.
Keep Your Tracking Number Handy: Always save your tracking number in case you need to contact the carrier for assistance with your shipment.
9. Communicate with the Receiving Party
If someone else will be receiving your shipment at your new home, ensure they’re aware of the package’s estimated arrival time. This is especially important if you’re shipping valuable or time-sensitive items. Let them know about any special handling instructions and provide them with the tracking number so they can monitor the delivery.
Tips for Smooth Delivery:
Provide Detailed Delivery Instructions: If your new home has specific delivery requirements, such as security gate access or building regulations, inform the carrier ahead of time.
Arrange for Someone to Be Home: If possible, have someone available to receive the shipment to avoid delays and reduce the risk of the package being left unattended.
Request a Signature Upon Delivery: For high-value or important items, request a signature to confirm receipt. This adds an extra layer of security, ensuring your belongings are delivered directly to a trusted person.
10. Prepare for Potential Delays
While most shipments arrive on time, delays can sometimes occur due to weather, customs processing, or other unexpected factors. When moving, it’s best to plan for the possibility of a delay and allow extra time for your items to arrive. This is especially important if you have time-sensitive items or need certain belongings shortly after arriving in your new home.
How to Plan for Delays:
Ship Essentials Early: Send items you’ll need right away, such as toiletries and a few changes of clothes, ahead of time.
Have a Backup Plan: Consider bringing some essentials with you if you’re flying or driving, so you have what you need while waiting for the rest of your items to arrive.
Stay Informed: Use tracking to monitor your shipment’s progress and check for any updates on estimated arrival times.
Conclusion
Shipping smaller items to your new home can be a practical and cost-effective solution, especially for belongings that don’t require a moving truck. By decluttering, packing carefully, and choosing a reliable shipping service like ParcelABC, you can ensure that your items arrive safely and on time. ParcelABC offers the convenience of comparing rates from multiple carriers, helping you find the best option for moving your personal belongings affordably.
With the right preparation and careful planning, you can simplify the process of moving your smaller items and make your transition to a new home as smooth as possible. So pack smart, stay organized, and start your new chapter with the peace of mind that your belongings are on their way!
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
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#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
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meticulously maintained and highly upgraded home in Cooley Station! Three bedrooms PLUS an open den (makes the perfect office)! Gorgeous island kitchen with dark wood oversized cabinets, granite counters, stainless appliances! Huge great room with in-floor outlet for decorating flexibility! Extra recessed lighting! Raised vanities in master! Tricked-out garage with tons of custom cabinets! All of this on a premium lot with no neighbors directly behind! SO close to great schools, shopping and restaurants! And don't forget the incredible amenities Cooley Station has to offer, including the aquatic center! Hurry to this one! ... See MoreSee Less
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Check out this link from our local Realtors + MLS, below for the newest homes to come on the market.
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Renting vs Buying: Which Is Right for You in this type of market?
_____________________________
In today’s real estate market, the decision to rent or buy hinges on various factors like interest rates, housing inventory, personal financial circumstances, and market conditions. Here’s a comparison to help you decide which might be the best option for you in the current climate.
1. Market Conditions: Limited Inventory
Buying: In areas with limited housing inventory (like Yorktown and Cortlandt Manor), buying can be competitive. Prices may be higher, and finding a suitable home could take time. However, if you can find the right property, you might see rapid appreciation due to the scarcity of homes.
Renting: If it’s hard to find a home to buy, renting offers flexibility without the pressure of overpaying in a competitive market. You can wait until the market cools or more homes come onto the market.
2. Interest Rates
Buying: If you can lock in a low mortgage rate (like the 3.5% rate you mentioned), buying can be financially advantageous over the long term. Fixed-rate mortgages provide predictable payments, unlike rent, which can increase annually. However, current rates are often higher than recent years, so affordability can be a concern.
Renting: If mortgage rates are high and you can’t qualify for an affordable loan, renting might be a better short-term solution. You avoid the high costs associated with buying, such as down payments, closing costs, and high-interest mortgages.
3. Upfront Costs
Buying: Purchasing a home requires a significant upfront investment, including a down payment (typically 10-20% of the home’s price), closing costs, and moving expenses. There’s also ongoing maintenance, property taxes, and insurance.
Renting: Renting usually requires less upfront cash—typically a security deposit and the first month’s rent. Maintenance and repairs are typically the landlord’s responsibility, saving you money in the short term.
4. Home Value Stability
Buying: In markets where home values are appreciating, buying allows you to build equity over time, making homeownership a smart long-term investment. However, if the market cools, you could be stuck with a home worth less than what you paid for it.
Renting: Renting frees you from the risk of losing value on your home in a market downturn. If the market corrects or you’re unsure about your long-term plans, renting offers the flexibility to move without taking a financial hit.
5. Flexibility
Buying: Purchasing a home ties you to one location for a longer period. This can be great if you’re settled in an area and plan to stay long-term. However, if your job or lifestyle requires frequent relocations, buying might limit your flexibility.
Renting: Renting gives you mobility. You can move easily, change neighborhoods, or even relocate for work without the hassle of selling a property. This flexibility can be invaluable, especially in uncertain economic times.
6. Building Wealth
Buying: Homeownership allows you to build wealth over time. As you pay down your mortgage and your home appreciates, you gain equity. This can be particularly beneficial if you view your home as an investment, like the property you purchased for potential subdivision.
Renting: While renting doesn’t build equity, it allows you to save and invest elsewhere. If housing prices seem overinflated, you might prefer to rent and invest your savings in stocks, bonds, or other opportunities.
7. Maintenance and Responsibility
Buying: Owning a home means you’re responsible for all upkeep, repairs, and renovations. While some may enjoy this control, it can be costly and time-consuming.
Renting: Maintenance is usually the landlord’s responsibility, so you avoid repair costs and the hassle of handling home-related issues.
Conclusion: Which is Right for You?
Buy if you’re in a stable financial position, plan to stay in the area long-term, and can take advantage of favorable mortgage rates. Homeownership allows you to build equity, particularly in areas with rising home values.
Rent if you prioritize flexibility, want to avoid high upfront costs, or feel uncertain about market conditions. Renting can be a smart choice in a competitive, high-cost market where overpaying for a home may not make sense.
Would you say flexibility or building equity is more important for your situation right now?
Bill
I can’t stop, it’s my job!
Exceeding Buyers & Sellers expectations for over 22 years. Let's Exceed Yours!
Bill Salvatore / Arizona Elite Properties
602-999-0952 / BillSalvatore.teamiii@gmail.com
www.BillSalvatore.com
Before you Hire a Realtor check them out, Google them!
#ChandlerRealtor #SellmyGilbertHome #Sellmy
ChandlerHome, #ThebestRealtorinGilbert,
#ThebestRealtorChandler, #AZVHVHelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2025market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
#BillSalvatore 🏈 ... See MoreSee Less
Arizona Real Estate
www.billsalvatore.com
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