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Bill Salvatore / Arizona Elite Properties
Your Valley Property Team
Residential Sales, Marketing, and Property Management
Founder: AZVHV Arizona Veterans Helping Veterans
Recipient: East Valley Tribune’s: Best Gilbert Realtor
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🫡🫡🫡Thank you for your service 🇺🇲🇺🇲
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Ten Unknown Facts About #BMW
1. Founding and History: BMW, Bayerische Motoren Werke AG, was founded in 1916 in Munich, Germany, initially producing aircraft engines. The company transitioned to motorcycle production in the 1920s and eventually to automobiles in the 1930s.
2. Iconic Logo: The BMW logo, often referred to as the "roundel," consists of a black ring intersecting with four quadrants of blue and white. It represents the company's origins in aviation, with the blue and white symbolizing a spinning propeller against a clear blue sky.
3. Innovation in Technology: BMW is renowned for its innovations in automotive technology. It introduced the world's first electric car, the BMW i3, in 2013, and has been a leader in developing advanced driving assistance systems (ADAS) and hybrid powertrains.
4. Performance and Motorsport Heritage: BMW has a strong heritage in motorsport, particularly in touring car and Formula 1 racing. The brand's M division produces high-performance variants of their regular models, known for their precision engineering and exhilarating driving dynamics.
5. Global Presence: BMW is a global automotive Company
6. Luxury and Design: BMW is synonymous with luxury and distinctive design, crafting vehicles that blend elegance with cutting-edge technology and comfort.
7. Sustainable Practices: BMW has committed to sustainability, incorporating eco-friendly materials and manufacturing processes into its vehicles, as well as advancing electric vehicle technology with models like the BMW i4 and iX.
8. Global Manufacturing: BMW operates numerous production facilities worldwide, including in Germany, the United States, China, and other countries, ensuring a global reach and localized production.
9. Brand Portfolio: In addition to its renowned BMW brand, the company also owns MINI and Rolls-Royce, catering to a diverse range of automotive tastes and luxury segments.
10. Cultural Impact: BMW's vehicles often become cultural icons, featured in films, music videos, and celebrated for their design and engineering excellence worldwide. ... See MoreSee Less
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Why don't pictures like this ever trend 🥰 ❤️
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Ten Unknown Facts About #BMW
1. Founding and History: BMW, Bayerische Motoren Werke AG, was founded in 1916 in Munich, Germany, initially producing aircraft engines. The company transitioned to motorcycle production in the 1920s and eventually to automobiles in the 1930s.
2. Iconic Logo: The BMW logo, often referred to as the "roundel," consists of a black ring intersecting with four quadrants of blue and white. It represents the company's origins in aviation, with the blue and white symbolizing a spinning propeller against a clear blue sky.
3. Innovation in Technology: BMW is renowned for its innovations in automotive technology. It introduced the world's first electric car, the BMW i3, in 2013, and has been a leader in developing advanced driving assistance systems (ADAS) and hybrid powertrains.
4. Performance and Motorsport Heritage: BMW has a strong heritage in motorsport, particularly in touring car and Formula 1 racing. The brand's M division produces high-performance variants of their regular models, known for their precision engineering and exhilarating driving dynamics.
5. Global Presence: BMW is a global automotive Company
6. Luxury and Design: BMW is synonymous with luxury and distinctive design, crafting vehicles that blend elegance with cutting-edge technology and comfort.
7. Sustainable Practices: BMW has committed to sustainability, incorporating eco-friendly materials and manufacturing processes into its vehicles, as well as advancing electric vehicle technology with models like the BMW i4 and iX.
8. Global Manufacturing: BMW operates numerous production facilities worldwide, including in Germany, the United States, China, and other countries, ensuring a global reach and localized production.
9. Brand Portfolio: In addition to its renowned BMW brand, the company also owns MINI and Rolls-Royce, catering to a diverse range of automotive tastes and luxury segments.
10. Cultural Impact: BMW's vehicles often become cultural icons, featured in films, music videos, and celebrated for their design and engineering excellence worldwide. ... See MoreSee Less
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VA Home Loan Demand in the Coming Year
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The demand for VA home loans remains strong, as the Department of Veterans Affairs continues to provide significant benefits to eligible veterans, active-duty service members, and their families. VA loans, backed by the Department of Veterans Affairs, offer several advantages over conventional home loans, including no down payment requirements, competitive interest rates, and no private mortgage insurance (PMI). These benefits make VA loans attractive, particularly as the housing market fluctuates and mortgage rates remain a central factor for buyers.
Despite the challenges presented by rising interest rates in 2023 and 2024, VA loans continue to provide a pathway to homeownership for veterans who might otherwise struggle with the costs associated with conventional loans. Lenders who work with VA loans often have more leniency in their underwriting guidelines, allowing veterans with lower credit scores or higher debt-to-income ratios to qualify.
One key trend is that veterans are more likely than civilians to purchase homes in the next year. Several studies and surveys have suggested that veterans, particularly those transitioning out of active duty, are positioning themselves for homeownership. This is due in part to the benefits provided by the VA loan program and the emphasis on financial stability within the veteran community. A 2023 study by the National Association of Realtors (NAR) found that 47% of veterans expressed strong intentions to buy a home within the next year, compared to 31% of non-veterans.
The ability to purchase with zero down payment, thereby securing 100% financing is a critical driver for this demographic. Veterans often utilize the equity they've built while renting or during military service to invest in homeownership. Additionally, the GI Bill and other benefits provided by the VA help veterans build financial security, making homeownership a more achievable goal.
With the demand for housing remaining steady, VA loans will continue to play a crucial role in enabling veterans to secure homes, helping them and their families build wealth and stability in an uncertain economy.
Army Veteran. / AZVHV / Arizona Veterans helping Veterans with all Real Estate needs. ... See MoreSee Less
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Why don't pictures like this ever trend 🥰❤️😴😢
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Ten Unknown Facts About #BMW
1. Founding and History: BMW, Bayerische Motoren Werke AG, was founded in 1916 in Munich, Germany, initially producing aircraft engines. The company transitioned to motorcycle production in the 1920s and eventually to automobiles in the 1930s.
2. Iconic Logo: The BMW logo, often referred to as the "roundel," consists of a black ring intersecting with four quadrants of blue and white. It represents the company's origins in aviation, with the blue and white symbolizing a spinning propeller against a clear blue sky.
3. Innovation in Technology: BMW is renowned for its innovations in automotive technology. It introduced the world's first electric car, the BMW i3, in 2013, and has been a leader in developing advanced driving assistance systems (ADAS) and hybrid powertrains.
4. Performance and Motorsport Heritage: BMW has a strong heritage in motorsport, particularly in touring car and Formula 1 racing. The brand's M division produces high-performance variants of their regular models, known for their precision engineering and exhilarating driving dynamics.
5. Global Presence: BMW is a global automotive Company
6. Luxury and Design: BMW is synonymous with luxury and distinctive design, crafting vehicles that blend elegance with cutting-edge technology and comfort.
7. Sustainable Practices: BMW has committed to sustainability, incorporating eco-friendly materials and manufacturing processes into its vehicles, as well as advancing electric vehicle technology with models like the BMW i4 and iX.
8. Global Manufacturing: BMW operates numerous production facilities worldwide, including in Germany, the United States, China, and other countries, ensuring a global reach and localized production.
9. Brand Portfolio: In addition to its renowned BMW brand, the company also owns MINI and Rolls-Royce, catering to a diverse range of automotive tastes and luxury segments.
10. Cultural Impact: BMW's vehicles often become cultural icons, featured in films, music videos, and celebrated for their design and engineering excellence worldwide. ... See MoreSee Less
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Possible VA Appraisal Changes
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Did you know that you cannot order a VA appraisal until you either have or have applied for a Certificate of Eligibility (COE)? While this isn’t a new requirement, it’s an important step that often gets overlooked in the rush to move a transaction forward. The good news is that, for now, the VA allows lenders to order the appraisal as long as there’s at least an application for the COE in the system.
However, this could change soon, and the VA may start requiring the COE to be fully in hand before the appraisal can be ordered.
As a real estate agent working with VA buyers, this is a critical tip to keep in mind. In fact, if you’re currently working with a VA buyer, make sure their lender has either obtained the COE or at least started the application process. It's not just a formality; having a COE in place early on will help prevent delays later in the process.
Here’s why it matters: the COE is the document that verifies a veteran’s eligibility for a VA loan. Without it, the loan can’t move forward, and that could jeopardize your deal. The last thing you want is to get to the point where everything else is in place—except for the appraisal—and be unable to move forward simply because a COE hasn’t been obtained.
Best Practices for VA Loans Even without Possible VA Appraisal Changes
As a best practice, it’s ideal to get the COE as early in the process as possible. In a perfect world, the COE would be secured before pre-approval, ensuring a smooth path forward once your VA buyer finds their home. Unfortunately, we all know that real estate doesn’t always work out that way. If you’re picking up a loan that another lender couldn’t close or you’re dealing with a buyer in a time crunch, securing the COE can sometimes feel like an afterthought.
That’s where a knowledgeable team makes all the difference. My team specializes in VA loans, and we’ve encountered just about every scenario you can think of. We know how to navigate the process swiftly, making sure the COE is ordered or obtained quickly so that your buyer’s timeline isn’t impacted.
VA Turn-Downs Don’t Always Mean the End
If you’ve recently had a VA buyer turned down by another lender, don’t give up hope just yet. Often, lenders who aren’t well-versed in VA guidelines may turn down loans that could actually be approved with the right expertise. My company is proud to be a "Top 100 VA Lender," and we’ve helped countless veterans achieve their homeownership dreams—even when other lenders couldn’t.
So, if you’re currently working with VA buyers, now is the time to ensure their COE is either in place or at least ordered. If you have any recent VA turn-downs, don’t hesitate to reach out. We specialize in flipping turn-downs into approvals and would be happy to assist.
Give me a call at 602-999-0952
yourvalleyproperty.com/?page_id=6431
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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A REPUTATION FOR REALTY EXCELLENCE THROUGHOUT THE GREATER PHOENIX VALLEY0 CommentsComment on Facebook
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Thank you
A 98-year-old WWII veteran with no family ate at Arby's every day, so they gave him free food for life
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A 98-year-old WWII veteran with no family ate at Arby's every day, so they gave him free food for life
www.good.is
They've even given Doug their phone numbers, so if there's ever day he can't make it over, they deliver his order to the retirement home where he lives.0 CommentsComment on Facebook
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Respect
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49 years ago today, this was my home. Began serving in the US Army July 16, 1975 ... See MoreSee Less
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Should You Negotiate Furniture When Selling Your Home?
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When selling a home, the question of whether to include furniture in the deal often arises. While it might seem convenient to bundle everything together, it’s generally better to handle furniture negotiations separately. Here’s why and how to do it effectively.
Why Keep Furniture Separate from the Home Sale Contract?
Lenders’ Preferences: Lenders typically frown upon including personal items like furniture in the sales contract. They want the contract to focus solely on the real property.
Clarity and Focus: Keeping the home sale and furniture negotiations separate prevents any confusion or complications that could arise from mixing personal property with real estate.
Appraisal Issues: Including furniture in the contract can muddy the waters for appraisers, who need to assess the value of the home itself without considering personal items.
The Best Way to Handle Furniture Negotiations
Separate Agreement: If the buyer is interested in purchasing furniture, draft a separate bill of sale or agreement specifically for the furniture. This keeps the home sale contract clean and straightforward.
Accurate Valuation: Determine a fair market value for the furniture. This helps in setting a reasonable price and ensures both parties feel satisfied with the deal.
Legal Consultation: Consider consulting with a real estate attorney to ensure that the separate agreement for the furniture is legally sound and protects both parties’ interests.
Transparent Communication: Clearly communicate the terms of the furniture sale to avoid any misunderstandings. Make sure both parties agree on what items are included, their condition, and the agreed-upon price.
Thinking about including furniture in your home sale? Learn why it’s best to handle it separately and avoid potential pitfalls!
Ready to sell your home and want to negotiate furniture separately? Contact me today for expert guidance on smooth and effective home selling strategies!
Negotiating furniture separately from the home sale can lead to a smoother transaction and ensure that both the home sale and furniture deal are handled professionally and efficiently. By following these best practices, you can make the process easier for everyone involved.
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 #AZVHV/HelpingArizonaHeroes
#NewConstructionAdvantage #Sellmyhouse
#whatsmyhomeworth #homevalues #2024market
#ArizonaEliteProperties #yourValleyProperty
#GilbertRealtor #AZVHV #buyingaHome #LiveinSunnyAZ
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