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E M A I L U S AT N E W S T I P S @ A R I Z O N A R E P U B L I C . C O M O R C A L L U S AT 6 0 2 - 4 4 4 - N E W S ( 6 3 9 7 )
Lending a hand vices. David Atkinson, certified financial counselor at Consumer Credit Counseling Service of Buffalo and member of NerdWallet’s Ask an Advisor network, explains how credit counseling can help with the homebuying process.
Credit counseling helps buyers weather a storm NERDWALLET STAFF
What kind of credit counseling is available to homebuyers?
Buying a home is a complicated process. It’s usually the biggest financial transaction of a person’s life, and often involves taking out a mortgage to pay for the new digs. Paying off such a large debt is a serious commitment, but it’s not the only financial consideration. Saving up for a down payment, improving your credit score, making room in your budget for unforeseen expenses — it can take years to financially prepare for homeownership. So it’s no surprise that there’s a desire for guidance and education. Many nonprofit credit counseling agencies offer counseling for homebuyers as one of their ser-
Credit counseling for homebuyers covers a number of topics, including: Budgeting: Establish a current budget and a budget for after your home purchase. Analyzing your credit report: Determine what steps you’ll need to take to get the best financing on your home. Selecting a home: Assess your income and fiSee COUNSELING, Page 3R
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This advertisement is a solicitation by Scout Mortgage, Inc. for a mortgage loan. Loan amounts $150,000 to $417,000. 15 or 30 Year Fixed. Closing Costs paid at closing include title, recording, processing, underwriting, and escrow fees. Prepaid taxes/insurance not included. Good credit required. Owner Occupied homes only. Verifiable income required. Impounds may be required. Consolidating debt may increase rate. Your rate and term may vary. Not all applicants will be approved. Call for details. MB0903218/NMLS# 56553
AR-0008630674-01
NEW RIVER | 46008 North 34th Avenue | CALL TO SEE
PARADISE VALLEY | 6310 North Yucca Road | CALL FOR APPOINTMENT
Brought to you by Those Callaways, Luxury Circle International (480) 596-5751
see more inside
AR-0008628252-01
SONORAN HIDEAWAY. Nestled at the base of the New River MLS# - 5522918 Mountains, this stunning custom home is wrapped in a dramatic Bedrooms - 4 Sonoran desert tapestry. Immerse yourself in breathtaking views while enjoying the tranquil sounds of the desert. Charming brick Bathrooms - 4 Pool - No walls enclose the serene front courtyard. Designer fixtures and finishes. Trey ceilings, Alder woods, chandeliers and dual-pane Sq. Ft. - 2,980 windows. Finished with thick slab granite and a stone eat-at Garage - 4-Car Garage island, the chef ’s kitchen shares a cozy fireplace with the great Lot Size - FIVE ACRES room. Large picture windows dapple the floors with just the right ZIP Code - 85087 amount of natural light. King-sized master with private exit and spa-inspired bath. Executive’s den. A magnificent must-see estate! Online Pics - ThoseCallaways.com – Joseph Callaway Price - $749,900
EXQUISITELY REMODELED FINISTERRE ESTATE. MLS# - 5529604 Shown by appointment only, this very private estate (has its own Bedrooms - 5 gated entry) is nestled inside Finisterre, one of Paradise Valley’s Bathrooms - 8 most exclusive guard-gated communities. Magnificent finishes Pool - Yes and fixtures. Sweeping circular drive, dramatic portico entry. Striking entry hall w/marble flooring. Grand-scale great room w/ Sq. Ft. - 10,671 high white paneled ceilings. Superb (and totally new) kitchen. ZIP Code - 85253 Family room w/wall of sheer glass retractable doors. Lavish master retreat w/dual baths. Executive office. Villa-like rear grounds w/ Online Pics - BaldwinTeam.com Price - $5,900,000 arch-accented patios surrounding elegant pool. Mature foliage, towering shade trees, lush lawns, swaying palm trees. Guest house. Visit tourfactory.com/1685059. Details inside.
Brought to you by Sandra Baldwin and Beth Thompson, Launch Real Estate
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AZ Real Estate
Key advantages of FHA home loans HAL BUNDRICK NERDWALLET
Think you can’t qualify to buy a home? Don’t give up hope. The Federal Housing Administration (FHA), a government agency, allows borrowers to take advantage of a low down payment, reduced closing costs, relaxed lending standards – and insures your loan, which is offered by a FHA approved lender. So, if you are wondering, “what is an FHA loan?,” here are nine facts you’ll want to know about FHA loans. 1. An FHA home loan allows a low down payment: Conventional lenders usually require a 20 percent down payment; you can pay less but are then required to buy private mortgage insurance for the lender’s benefit. That can add to your monthly payment. FHA-approved lenders can offer an FHA loan with as little as 3.5 percent down. You still pay the FHA to insure your loan but the overall costs can be lower. And you can obtain the money for your down payment as a loan or gift from a family member, employer or charity. Most conventional lenders won’t allow that. 2. FHA loans are easier to qualify for: Lenders who work with the FHA are willing to give you a break because the government is standing behind your FHA home loan. That gives first-time homebuyers a real opportunity, as well as residents of disadvantaged neighborhoods, who can find qualifying for certain types of mortgage loans a real challenge. Borrowers with less-than-perfect credit can often qualify for an FHA home loan. Even if you have a bankruptcy in your history, you still have a shot at qualifying. In fact, your credit score can be as low as 500 and you may still qualify for a loan, within certain guidelines. And an FHA lender can finance multifamily homes, condos, as well as mobile and manufactured homes. 3. FHA home loans have lower interest rates: In addition to lower down payments, FHA-guaranteed loans generally have lower interest rates. Since the FHA doesn’t actually provide the financing or determine the interest rates of the loans it backs, the rate you pay for an FHA home loan will be negotiated with an FHA-approved lender. 4. FHA loans can help you avoid foreclosure: The Making Home Affordable Program (MHA) is a government
GETTY IMAGES/ISTOCKPHOTO
The Federal Housing Administration, a government agency, has programs to allow borrowers to take advantage of a low down payment, reduced closing costs and relaxed lending standards that help get buyers into a home.
initiative to help borrowers who are suffering a financial setback. If you are in default on an existing mortgage, MHA may be able to help you reduce your loan payments and avoid foreclosure. There are also options to assist unemployed homeowners as well as homeowners who are “underwater” – meaning you owe more on your mortgage than what your home is currently worth. 5. An FHA loan can help disaster victims: Disasters seem to be occurring with increasing frequency: floods, landslides, earthquakes, tornadoes and all the rest. The FHA Mortgage for Disaster Victims Program provides 100 percent financing through approved lenders for the purchase or reconstruction of a home severely damaged or destroyed due to a disaster. 6. The FHA can help you make home repairs and upgrades: If you have a bit of a “fixer-upper” on your hands, an FHA home loan or refinance may be just what you need. To start, the Energy Effi-
cient Mortgage (EEM) program can help you lower your utility bills by financing the cost of adding energy efficient improvements to your home. But other home improvements can be financed through an FHA 203(k) insured loan, as well. You can buy a home that needs some TLC, and get up to $25,000 on top of the purchase price for alterations, repairs and site improvement, all wrapped up in one loan. Look for an FHA-approved lender, such as a bank, credit union, savings and loan or mortgage company that is approved to make “Title I” loans. You can also search for a lender on the U.S. Department of Housing and Urban Development website. 7. An FHA loan can help senior citizens gain retirement income: For homeowners who are 62 or older and in need of a boost in income, the FHA Home Equity Conversion Mortgage program can be a viable solution. If you live in your home and own it outright, or have a low balance remaining, a so-
called “reverse mortgage” will allow you to remain living in your home while tapping a significant portion of the equity. It’s a loan you never pay back. 8. FHA loans have lower closing costs: Anyone that has purchased a home knows there are a lot of fees due at closing. Appraisal fees, inspection, credit report and broker fees and commissions, origination charges – it can be a mighty long list. While the FHA doesn’t regulate or determine fees, the closing costs for an FHA home loan are generally lower than with a conventional mortgage. This is another item to be negotiated with your FHA-approved lender. 9. FHA-approved lenders can offer different loan terms: Not every FHAinsured loan package will be the same. Lenders will determine the rate and terms to be offered, so as with any loan application, it is always a good idea to shop around and compare loan offers.
New River 85087 Paradise Valley 85253
Stunning Sonoran Hideaway on Five Fabulous Acres
Exquisitely Remodeled Estate In Finisterre
Best Wishes for a
Happy New Year
46008 N. 34th Avenue CALL TO SEE. Snuggled on an expansive FIVE-ACRE lot at the base of the New River Mountains, this magnificent custom home enjoys a wealth of stunning views of right-there rugged mountains, gently rolling hills and lush high Sonoran desert — all backdropped by big bright-blue skies during the day and jet-black starlit skies at night. Boasting a plethora of privacy, this beauty begins with an enticing hacienda courtyard ideal for kicking back and relaxing to the serene sounds of the surrounding desert. A step across the threshold reveals a sun-dappled great room flattered by volume view windows, woodtrimmed patio exits and a charming see-through fireplace framed with desert-hued stonework. Not far away, the kitchen sparkles with striking
6310 N. Yucca Road
granite counters, handsome raised-panel cabinetry and a bi-level sit-at breakfast island/ serving bar. Meanwhile, the neighboring dining area features whisper-quiet sliding doors to the alfresco view-patio. A romantic retreat, the master suite is tucked in the home’s rear wing; this lovely getaway shows off with a light-filled bedroom, a large walk-in closet and a spa-inspired bath with convenient dual vanities, a roomy glass-block shower and a soothing Roman soak tub. When it’s time to bask in the many majesties of Mother Nature, simply step outside to the home’s generous patios that are nestled up tight against spectacular vegetation-rich hillsides studded with stately saguaros. (4BD; 4BA; 2,980SF)
Shown by appointment only, this magnificent home has been exquisitely remodeled with stunning finishes and fixtures designed to meet the approval of the most discerning buyer. From the front, prepare to be impressed by this beauty’s sweeping circular drive and dramatic portico entry. Inside, the striking entry hall is dressed with rich marble flooring, while the grand-scale great room dazzles with high white paneled ceilings that offer a visual wow. Not far away, double doors reveal the formal dining room and a totally new kitchen flattered by superb accoutrements including gorgeous cabinetry and a walk-in butler’s pantry. Perfect for indoor/outdoor living and entertaining, the family room features a wall of sheer glass retractable doors that quietly snuggle into the
CALL TO SEE AREA HIGHLIGHTS
DIRECTIONS
NEARBY SCHOOLS: New River Elementary, Gavilan Peak Middle School, Boulder Creek High. NEARBY HOSPITALS: HonorHealth Deer Valley. NEARBY SHOPPING: Close to Anthem’s numerous shopping venues.
CROSS STREETS: Near New River Road and I-17 Frontage Road in New River. Offered at $749,900.
walls. A sampling of additional interior amenities: lavish master retreat with dual baths; generous exercise room; handsomely paneled executive office. Meanwhile, the rear grounds exude a villalike ambience thanks to expansive patios accented with cascading arches that surround an elegant pool. Alfresco treasures include mature foliage, towering shade trees, lush lawns and swaying palm trees. There is also a lovely guest house with its own entrance. The bottom line: a very private estate with its own gated entry inside Finisterre, one of Paradise Valley’s most exclusive guard-gated communities. Visit tourfactory.com/1685059. Offered at $5,900,000. (5BD; 8BA; 10,671SF)
CALL FOR APPOINTMENT CONTACT Joseph and JoAnn Callaway, Those Callaways Luxury Circle International 480-596-5751 www.ThoseCallaways.com
MLS# 5522918 AR-0008628252-02
AREA HIGHLIGHTS
DIRECTIONS
NEARBY SCHOOLS: Kiva Elementary; Mohave Middle School; Saguaro High. NEARBY HOSPITALS: HonorHealth Scottsdale Shea; Mayo Clinic. NEARBY SHOPPING: Kierland Commons; Scottsdale Quarter; Scottsdale Fashion Square.
CROSS-STREETS: Lincoln Drive and Invergordon in Paradise Valley.
CONTACT Sandra Baldwin and Beth Thompson, Launch Real Estate 602-397-4300 www.BaldwinTeam.com
MLS# 5529604
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AZ Real Estate
Cabin fever Embrace rustic delights around your home USA TODAY NETWORK
Perhaps you’re decorating a cabin, or maybe you’re just looking to give your urban residence a bit of woodsy charm. With so many accent pieces available, it’s easy to find the right touches.
Counseling Continued from Page 1R
nancial obligations to determine what mortgage payment, and therefore which homes, you can afford. Financing a home: Learn what loan options are available and what the qualifications are. Home maintenance and taxes: Plan to set aside money for taxes and maintenance costs. Certain types of pre-purchase counseling might also be helpful once you own a home. For instance, delinquency housing counseling — which you can often receive for little to no cost — can help if you fall behind on your mortgage (more information on the HUD website). A housing counselor can also help with reverse mortgages, a type of home loan for homeowners age 62 or older that requires no
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monthly mortgage payment. They can help you understand the costs, eligibility requirements and steps involved in the process. Fees for housing counseling, including homebuying counseling, typically range from $0 to $150.
How does credit counseling aid the homebuying process? A housing counselor is an unbiased advocate who can provide information and tools. This, in combination with the information you may receive from a real estate agent or a mortgage sales representative, can help you make an informed choice. Counselors can help you calculate affordable mortgage payments and establish a budget that can accommodate home repairs and maintenance costs. They may also provide information on different types of loans — including
state and government loans like Veterans Affairs loans and Federal Housing Administration loans — and help you figure out which would be the best fit for you. You might also receive information about state, federal or local grants for homebuyers. For instance, in Hamburg, New York, it’s possible to get a $10,000 town grant, while New York state has a first-time homebuyers grant of $7,500. Grants may have income requirements, or may be limited to firsttime buyers or limited to specific uses — closing costs and escrow or down payments, for instance. In some cases, buyers must participate in housing counseling to qualify for grants.
your mortgage. So in that sense, most potential homeowners would benefit — and the sooner they work with a counselor, the better. I would advise most people to contact a housing counselor two or three years before they plan to purchase a home, to come up with a plan to improve their credit score and see if they can qualify for any grants. It’s best to work with a real estate agent and mortgage sales professional in combination with a housing counselor, so you can make the most informed choices possible when shopping for a home. Visit the National Foundation of Credit Counseling’s website to get a direct referral to a counseling agency in your area.
In what cases would you utilize this type of credit counseling?
CCCS of Buffalo is a nonprofit credit counseling agency and member of the National Foundation for Credit Counseling. This article originally appeared on NerdWallet.
The main reason is to save thousands or even tens of thousands of dollars on
FRESH ON THE MARKET
MEDIAN LISTING PRICE
12 thousand
300 thousand
New listings per month
DAYS ON THE MARKET
Median price per month
For single-family home sales in November 3000 2500
Nov. ‘15 $239,900 8
250
Nov. ‘15 $7,859
Nov. ‘14 $7,501 0
2014
2015
Nov. ‘16 $8,260
2000
Nov. ‘14 $219,000
0
762 houses
1500
Nov. ‘16 $245,000
2016
3044 houses
2014
2015
1000
2016
500 0
1-30
61-90
31-60
Source: Arizona Regional Multiple Listing Service Inc.
ALEX GREGORY/THE REPUBLIC
Your neighborhood… up close.
Arizona Republic Check rates daily at http://azcentral.interest.com Institution
30 yr APR
30 yr Fixed
4.365% Mesa Mortgage, Inc.
On myneighborhood.azcentral.com, you can pinpoint your home on the map to find out exactly what’s happening in your community! More detailed than just entering your ZIP, you’ll find: • School info • Home sales • Recent crimes • Restaurants, bars, movie theaters and more
30yr Fixed APR
myneighborhood.azcentral.com
FireRock golf course custom 3BR 4BA 5810sf spectacular hillside home with stunning mountain views, 3 car gar, library, game room, elevator. 16100 E. Shooting Star Trail. 480-580-5800 Photos seen on HomeFinder.com
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30yr Fixed APR
Rate
Points
Fees
%Down
APR
Phone / Website
NMLS # / License #
Rate: 4.125
15 yr fixed
3.500
0.000
$0
20% 3.740
Points: 0.000
7/1 ARM
3.750
0.000
$0
20% 3.990
480-633-7800
Fees: $3
30 yr FHA
3.875
0.000
$0 3.5% 4.115
www.mesamortgage.com
30 YRS. EXPERIENCE!
Rate: 4.125
15 yr fixed
3.250
0.000
$0
20% 3.251
Points: 0.000
10 yr fixed
3.250
0.000
$0
20% 3.251
602-688-2938
Fees: $0
7/1 ARM
3.625
0.000 $995 20% 3.841
www.AchieversMortgage.com
% Down: 20%
MB-0903024
NMLS# 166778 MB0905740
LOCAL! 20 years experience! OPEN SAT & SUN, VA & JUMBO
Legend: The rate and annual percentage rate (APR) are effective as of 12/27/16. © 2016 Bankrate, LLC . http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, LLC . does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, LLC . does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $424,100, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. • http://azcentral.interest.com
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% Down: 20%
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Real Estate Auctions Auction Rescheduled Dutch Joe Ranch 618+/- acres in 7 Parcels Payson, AZ. Parcels feature equestrian, homes, cabins, lakes, residential development and woodlands. Opportunity for ranchettes, retreat, private horse ranch or Rim Country getaway Bid online Jan 20 williamsauction.com/ AZRanches 800.801.8003. AZ Broker: Daniel Nelson #BR642568000
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SAN ANDRA BALDWIN N
602-397-4300 | www.BaldwinTeam.com 5BD/3BA MAIN; 2BD/2BA GUEST Scottsdale Nestled on an acre-plus, this custom home features a 5-bed/3-bath main house plus a 2-bed/2-bath guest house. Beamed/ coffered ceilings. Updated kitchen w/views to rear yard. Den/game room w/bar. Dramatic master bath opens to fireplaced sitting area. Pristine desert landscaping, lush lawns, huge patios and sun-decks, barbecue, kiva fireplace, ramada, waterfall pool, spa. Bonus room can be RV garage. Home tour at tourfactory.com/1506661 7BD/5BA in 5,509 SF MLS#5399740 Offered at $960,000
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CareerBuilder. Go Beyond the Job Search.
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$45.79 Fee/$152.63 Admin Fee* Rent from $650! Short term avail. Great Location! Central on Broadway 480-385-3411
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WEEK TO WEEK FURNISHED APARTMENTS 3 Locations - 602-385-1204 www.4RentWeekly.com
Call For Specials! 1, 2 & 3 Br’s from the $834. Villas at Mountain Vista Ranch 623-385-0027
3551
3560
3568
Scottsdale Apartments
Phoenix-South Apartments
Newly Renovated Great Spaces A BOLD NEW CHANGE AWAITS! 1, 2 & 3 Br’s from $865. Sterling Point 602-903-2895
ALL UTILITIES INCLUDED! Rates as low as $639/mo. Pets are welcome - BelCourt (602) 648-9859
3554
Phoenix-West Apartments
64St/Indian School. FREE UTILITIES. Studios from $750, 1Brs from $890 Great downtown location, near Old Town. Scottsdale 5th Ave (480) 748-2943 96th/Shea. BEAUTIFUL! 1Br $915, 2Br $1055. FREE water, sewer, trash. Anacosta (480) 327-4828
Tolleson Apartments
FURNISHED PHX STUDIO APTS FREE Utilities, Move In READY FLEX PAYMENTS-NO LEASE REQ CALL NOW! 602-833-7334
3569
Tempe Apartments
$349 M-I by ASU
CREDIT FRIENDLY! FREE UTILITIES! NO LEASE. FURNISHED! FROM $509/MO 59Av/Bethany. 623-385-0153
W/D IN EVERY APT! All Remodeled. Free Water, Sew, Trash. 1 & 2Br fr $675. Belleview TH’s 602-682-9657
*oac. 2-3 Br’s $941-$1316/mo. CREDIT FRIENDLY! Furnish- Quiet, green comm. Near Schls, ed. FREE UTILITIES & NO shopping & Bus Lines. LEASE from $509/mo. Cha- The Vintage (480) 748-2944 teau Gardens (623) 937-0128
FABULOUS RATES! 1BD $970, 2BD $996. W/D, Internet, Fitness, Pets OK. Arrowhead Summit - 623-385-0122
WEEK TO WEEK FURNISHED APARTMENTS 3 Locations - 602-385-1204 www.4RentWeekly.com
FURNISHED PHOENIX APTS Studio/2 bdrm great rates FREE utilities, Move in today Call now 623-688-3928
Live Well at the Equestrian.. Coronado Apartments Awesome Location! Call for current specials! 1 & 2 Br’s from $956. 1 & 2 Bd’s from $797 Equestrian 480-327-4855 480-327-4835
3542
MOVE-IN AS LOW AS $199!* 1 & 2 Bedrooms from $559 Water, Sewer, & Trash Incl. San Marina 623-792-9117
Luxury living! 1Bds From $900, 2 Bds from $1100, 3Bds from $1350. Franks On Shea 480-682-1492
Great M/I Spec*
3569
Tempe Apartments
FREE UTITILITIES. ON LIGHT RAIL. 1 Br’s from $755* ARBOUR PARK, 1901 East Apache Blvd. 480-682-1990
3694
Phoenix-North Residential Rentals
PET LOVER’S SPECIAL! St - $730, 1Br - $800, 2Br - $910. EASTRIDGE APTS Call 480-682-1494
3702
Tolleson Condo/ Townhome Rentals
TEMPE PARK PLACE! 1 & 2 BD’s from $929. UTILITIES INCLUDED! MINUTES TO ASU! (480) 516-0104
Views & location. Lots of room for toys, RV & boat storage, 3BR 3BA upgraded. Near Sonoran Desert PreM an ag er ’ s $199 Move-In serve $2300mo 928-278-3600 Special! Call for Avails and Details. 623-385-0405 Siegel Suites Tolleson
3683
3724
Phoenix-NW Condo/ Townhome Rentals
Arrowhead lakes condo 2bd, 2ba, on golf course, great views, pool, gated comm, $35 Holding Fee! 1BR’s from $875, 2Br’s from near shopping, restaurants. $995 mo. 602-407-2738 $975. No Security Deposit. LA ESTANCIA 480-467-2985
3694
Scottsdale Condo/ Townhome Rentals
3763
Chandler Residential Rentals
McQueen & Galveston, Chandler. $900/mo 480-450-1145
Palm Crest @ Station 40 1, 2 & 3 BD’s from $642 Extreme Property Makeover 623-385-0109
Unique 2 & 3 story TH’s. Great Scottsdale Location! 1, 2 & 3 Br’s! Inspiration at Frank Lloyd Wright 480-385-3406
3527
3527
3533
3533
3549
Mesa Apartments
PREFERRED EMPLOYER PROGRAMS*
2 BEDROOMS FROM $790
CALL FOR DETAILS
CALL FOR GREAT MOVE-IN SPECIALS!
• Granite counter tops • Black appliances • Cherry wood cabinetry • Washer/Dryers • 24 hour Fitness Center • Pet friendly
TOWNHOMES AVAILABLE!
WATER, SEWER & TRASH INCLUDED!
DARTMOOR APARTMENTS 310 N. ALMA SCHOOL RD., MESA, AZ 85204
6610 N. 93rd Ave. Glendale, AZ 85305 623-385-0119 3527
Glendale Apartments
3527
Glendale Apartments
NO LEASE ,C />.9> FREE 475/575>9 UTILITIES <;>> CREDIT #6%%% FRIENDLY! 9A>*5./$ FURNISHED <4;,598>( Rent ;F!? from EDH" $509 #0-& Chateau Gardens *@3?F3= :3DGF!B 6105 N. 59th Ave. -21'&1+'%62) 623-937-0128
480-327-4849 3548
Phoenix-North Apartments
3548
UNDER NEW MANAGEMENT Check Out Our New Look & New Name!
SLASHING PRICES!!!!!
Phoenix-North Apartments
99
$
MOVE-IN SPECIAL
UTILITIES INCLUDED 1x1 (small) from $615 SLASHED to $590 1x1 (medium) from $640 SLASHED to $615 1x1 (large) from $674 SLASHED to $649 2x2 from $874 SLASHED to $849
Residences at Camelback West 4001 W. Camelback Rd. Phoenix, AZ. 85019 602-841-4551
AR-0008630426-01
Phoenix-Northwest Apartments
NO LEASE FREE UTILITIES CREDIT FRIENDLY FURNISHED Rent from $529 Northern Chateau 3708 W. Northern 602-973-1362 AR-0008630703-01
3554
Phoenix-West Apartments
3554
3554
$
249 MOVE-IN* oac
FREE RENT
Phoenix-West Apartments
Villa Del Sol (623) 209-7423 6231 W. McDowell Road, Phoenix Se Habla Español. *Prices subject to change
Resort and Vacation Rentals
2BR 2BA home in wooded area of Pinetop, AZ. Available 4/1/17 to 10/31/17 $1200mo, cleaning dep req. 763-222-9670 928-358-1103 2BR DELUXE Jan 27 - Feb 3. Ski In / Ski Out Wyndham Resort in Park City, Utah. $10,000. 602-292-6551 or 602-292-1124 DELUXE 1BR condo, sleeps 4, From 1/29 to 2/5/2017. Sheridan Desert Oasis. Next to Scottsdale PGA Golf Course. $2000. Call Paul 928-753-2787 928-716-2500
Furnished Rentals
Share
Furnished mobile homes, 55+ RV resort in Mesa, rec room amenities, $750 mo + elect. Background check required. 440-382-7220
M e s a furn. 1BR 1 person pvt. entrance, Share kitch & bath, cable, internt, nr bus W/D avail. Utils incl $450 mo Gilbert/Adobe 480-710-0303
3569
3569
Tempe Apartments
Phoenix-West Apartments
Tempe Apartments
99 FREE CABLE
$
San Marina Free After School Learning Center
Bring in this ad for an Additional $50 Off Move-In!
7002 W. Indian School Phoenix, AZ 85033
623-792-9117 3569
Free Water, Sewer & Trash
MOVE-IN SPECIAL
1 Bedrooms from $559 2 Bedrooms from $639 2 Bedroom/2 Bath from $659
Tempe Apartments
1Brs$ from
700
2Brs$ from
800
3Brs$ from
900
College Park Apts | (480) 516-0981 401 E. Dunbar Dr., Tempe (N. of Baseline/College) Videos that make apartment hunting a
snap!
$399 Move-In Special!
Free Water, Sewer, Trash. Full-Size W/D in Every Apt.
APP FEE WAIVED - VISIT TODAY!
Pet Friendly Apts On-site Beauty Salon 9-Hole Putting Green Fitness, Pool, Spa Studios, 1, 2 & 3 Bds Starting at $675 GREAT M-IN SPECIALS Mesa Royale 480-682-4618 1825 N. Stapley, Mesa ûûûûûû
Scottsdale Residential Rentals
3554
Phoenix-West Apartments
Tempe Apartments
3868
55+ Community
Rentals
Check Us Out For Our FALL DEALS!
3569
Glendale, 55+, Pool, Quiet, Well Maintained, 2/1 $550. Includes water, trash, sewer. RV Spaces available $275 602-615-6174 / 623-934-3878
1Br’s - $2325, 2Br’s - $3349 Renaissance Luxury Living in Sun Lakes Call 480-682-1499
PRESCOTT PARADISE - Plan for your summer getaway! 1 mile to downtown. Lovely FREE UTILITIES! NO LEASE. designer 4BR 3BA FURNISHED! Studios & 1Brs charming from $569. Stapley & Brdwy. 1mo minimum. 928-273-1702 La Petite (480) 327-4840 Pinnacle Peak Country Club Estates N. Scottsdale-luxury 3BR 2BA, 2CG, private grass yard w/pool, citrus, pvt golf, 3872 tennis, 1 block from clubhs, 3853 Avail. Own/agt 602-999-5396 Manufactured Home Rental
3766
AR-0008630639-03
1Brs from $649 2Brs from $709
AR-0008630613-01
Located inside Westgate City Center!
3549
Manufactured Home Rentals
Queen Creek Residential Rentals
3BR 2BA
Phoenix-Northwest Apartments
3853
55+ Living
3790 3BR 2BA, 1800sf, gated community, next to community pool, Dobson & Warner, all tile, clean, $1500. 480-861-0096
$250 DEPOSIT oac! 1Bds from $620, 2Bds from $719. Gated, pool & sport courts. Villa de Cortez 623-385-0151
Mesa Apartments
3787
FREE RENT. 2 & 3Brs fr $750 4BR 2BA 2CG, 1600sqft, sin- No Common Wall. Gtd, pets, gle story, vaulted ceilings, social activitites. Contempo walk to school, near shop- Tempe (480) 422-0204 ping. Ironwood & Ocotillo. $950/mo. 602-380-9047
3BR 1BA
LOVE WHERE YOU LIVE! UTILITIES Included! Rents Start at $600 Ridgeway Village 623-385-0137
Glendale Apartments
Phoenix-East Residential Rentals
2br 1 1/2ba, Beautiful 1 Clean 3 Bedroom, 2 Bathroom, kitchen, spacious lvngrm 1 Level Patio Home. W/D HookDW, fridge, new oven & mi- ups. $895. 602-265-6490 cro, WD Pool, private patio, near ASU, Old Town, much more. No pets. 1261 N. Granite Reef $1200. 602-809-0987 3754
1st Mo+ Sec Dep*. 1-2Brs fr $675. Hidden Glen 480-516-0438
Campus Court Apartments Walk to ASU, 1 Br $650, 2Br $750 and Casitas $750. Some Util. Incl. 480-516-0433
480-382-6507 Videophone users call 480-305-0221 3751
Scottsdale Condo/ Townhome Rentals
∂2Bd 2Ba 2nd Flr Condo, 3rd St/Indian. Schl, Comm Pool, Fshn Sq Mall, Cul-de-Sac, 2 Cvd 3739 Parking Spots Inc Water/ Mesa Trash/Sewer $1250 Residential Rentals FREE CABLE! 1-2-3Br from APT HUNTERS 623.205.5996 $700. FREE Water, Sewer, Trash. Rural/Baseline College Park (480) 516-0981 2BR, 2 level, 1 car garage. Stack washer/dryer. 1 blk S. of Shea on MtnView/101. 10106 E Butte St, Mesa INCREDIBLE PRICES!! Comm Clubhse/pool, $1200. Vacant in May. $950/mo. Tempe Luxury! Great Avail Feb 1st. 480-208-1294 480-450-1145 Location! Starting at $985 San Portella 480-385-3075
Glendale Apartments
Please Call:
(Apache Blvd & Lebanon, just east of 101) ApacheAslTrails.com Email: lrussell@cardinalcapital.us
NEWLY RENOVATED UNITS! $99 MOVE-IN!(oac) Studio, 1 & 2 Bedrooms from $425 Paloma Village 602-385-1228
1 Bedrooms from $550, 2 Bedrooms from $650. *OAC Las Ventanas Apartments Call 602-246-9166
Phoenix-Central Apartments
• Near Public Transportation • Free Wi-Fi Available • Planned Social Activities • Videophone Secured Entry • Strobe Light Indicators
CREDIT FRIENDLY! FREE UTILITIES! NO LEASE. FURNISHED! FROM $529/MO 37Av/Northern 602-648-9935
Studios $569, 1 bdrm $719, 2 bdrm $889! Instant Approval! Some utilities included. Daybreak Place 602-648-9865
GREAT LOCATION! 1, 2 & 3 Bds from $789. W/D, large floor plans. Cantamar 602-748-1685
L I V I N G !
• All Utilities Included • Free Parking • No Pet Fees • $20 High Speed Internet Available • An ASL Friendly Community
1 & 2Brs starting at $649* $249 M-In! oac (subject to change) FREE Water, Sewer, BEST LOCATION IN SCOTTSTrash. Villa Del Sol 623-385-0017 DALE! Call for specials. 1, 2 & 3 Bd’s from $1270! Crown Court 480.682.1988 1Br fr $649*, 2Br fr $709*. $249 M-In! oac (subject to change) 59Ave/McDowell (623) 209-7423
CALL FOR SPECIALS! 1, 2 & 3 Br’s from $825 Newly Remodeled! Indigo Creek 602-748-1714
S E N I O R
1 & 2 Bds at GREAT Rates. Upgraded appl, counters, cabinets & window coverings. Bella Sera 602-748-1679
3539
RENTS STARTING AT $609!* Gated, Pet Friendly. North Mountain Village 602-648-9877
A F F O R DA B L E
Phoenix-East Apartments
Spacious 1, 2 & 3 bds Gated, Mountainside Community Green Leaf Promontory Pointe (602) 748-1719
Peoria Apartments
To get AZRentals magazine delivered to your door call 602-444-4971 or visit www.azcentral.com/advert/reprentals
480-682-4618
LOVE WHERE YOU LIVE! Rents Start at $696! UTILITIES INCLUDED! SienaVillage 602-648-9879
3545
AZRentals magazine is the Valley’s premier full-color glossy guide to apartment living. Featuring a full-color trifold map of the metro Phoenix area & color-coded geographical sections to help make your apartment search easier.
1825 N. Stapley • Mesa, AZ 85203
GREAT MOVE-IN SPECIALS 4 pools/spas + 1 wading pool! 1 bdrm $751, 2 bdrm $855. Vaseo 602-748-1727
Apartments
$399 1st Months Rent!* 1 bd at $629, 2 bd at $729. W/D, extra storage. Sunset Landing 623.792.9126
• Dishwasher • Washer / Dryer • Pool & Hot Tub • Clubhouse • Business Center • Elevators • Fitness Center • Theater • Daily Activities
Phoenix-North Central Apartments
Great Location, Near SR51. Studio, 1, 2, Casita and Patio Homes from $630/month. Rancho Sierra 602-648-9883
2 & 3 Bds TH’s from $649 W/D in Unit! Sec 8 OK. Oregon Oasis, 59th Ave & Great Move-In Specials! 1Bd $1000, 2Bd $1100, 3Bd Camelback. 623-385-0141 $1395. Townhomes Avail. Pillar Bella Vista - 623-385-0096 $299 M/I. 45Ave & Glendale 2Br/1Bath, laundry, cov’d 3541 parking. Near school. $650/mo. (623) 939-3217 Phoenix $35 APPLICATION FEE! *oac. Studios, 1 & 2 Br’s from $560. Cambridge Square 623-385-0009
Studio, 1, 2 & 3 Bedrooms Available
3543
3548
UPGRADED 1BD’s! CALL FOR AVAILABILITY. SOME UTILITIES INCLUDED! 2 BR’s from $790 Your Own Private Resort! Dartmoor Apts 480-516-0431 Gorgeous 1, 2 & 3 Bd Condos from $875. Amenities Water, Sewer & Trash Incl! Galore. Solana 480-385-3089. 1 bdrm $835, 2 bdrm $930 3 pools, tennis & spa! Pets OK! Villa Fiesta 480-327-4825
3527
FREE UTILITIES!!
Get AZRentals magazine delivered right to your door!
STARTI NG @ $700
PET-FRIENDLY APARTMENTS FOR INDEPENDENT SENIORS 55 OR BETTER
Apartments
Chandler Apartments
1 & 2 Bedrooms Available! PETS, Fwy Access, Stainless APPLIANCES, on lake, blinds. Summit Lakes 480-385-3090
Mesa Royale
W/D in 2-BRS. Weekly & Loft, 1 Br, 2 Br & 3Br from Monthly. 1, 2 & 3Br. $0 Se- $580! Quiet, pool, patio, fitness curity Dep (active military). room. Call 602-249-6244 Free WIFI area. 623-385-0008 WEEK TO WEEK FURNISHED APARTMENTS 3528 3 Locations - 602-385-1204 Goodyear www.4RentWeekly.com
3533 3518
CHECK OUT THESE SENIOR LIVING SPECIALS!
Phoenix-Central Apartments
AR-0008632121-01
Ahwatukee Apartments
3527
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WWW.AZCENTRAL.COM 3500
LIGHT RAIL
STOP #25
Arbour Park 1901 E. Apache Blvd., Tempe, AZ
Tour interiors, amenities, neighborhoods and more.
480-682-1990 Free Utilities!
RENTER’S Legal Q & A Attention property managers and owners! The Arizona Multi housing Association invites you to attend one of the monthly Apartment Coalition meetings located throughout the valley. We currently offer 8 coalitions in the Phoenix-metropolitan area including: Central Phoenix Canyon Corridor (I-17) North Phoenix Glendale
Mesa Maryvale West Valley Tempe
The mission of these coalitions is to lay a foundation of community awareness & involvement by providing educational meetings and networking to better address the needs of your residents as well as provide professional development. By attending these monthly meetings you’ll find: Information of general interest to all involved in managing properties as well as specific information pertinent to the location of your property Insight from guest speakers on how to improve your property’s performance Information from local police on what’s happening in your area Free Q&A with AMA Member attorneys Legislative updates that affect property owners and managers Networking opportunities to support you in your community FREE LUNCH
Whether you own or manage, you CANNOT afford to miss these Apartment Coalition meetings. ALL area owners and managers are welcome to attend. For more information, contact Stephanie Garcia at sgarcia@azama.org to find out about the next meeting in your area! AR-0008632061-01
Question:For the last 3 months, I
Editor’s note:
allowed a person to store her 5th wheel camper/trailer on my rental property in Spring Valley. The renter of the property and I now want the 5th wheel moved. The person does not pay rent for the storage space. I notified her by certified mail that she had 30 days to move the 5th wheel or I will take her to court.
Readers who have non-emergency, general landlord-tenant, fair housing or multi-housing real estate questions can mail them to:
What are my options from here?
Answer: The 30-day notice is sufficient. There is no agreement for the storage by either the owner or the tenant. I’m not sure there is any municipal ordinance in Spring Valley regarding towing which might require signs being posted (I doubt it) but I would think towing would be an option.
The Arizona Republic c/o Rental Team, 200 E. Van Buren Street, Second Floor, Phoenix, AZ 85004. While all cannot be answered in this weekly column, we will attempt to publish those questions that would be of interest to most readers. For specific or urgent advice, consult your own legal advisors before making a decision. Legal Q&A participating attorneys: Scott Clark (602) 957-7877
Matt Koglmeier (480) 962-5353
Andy Hull (602) 230-0088
Mark Zinman (480) 994-4732
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AZRentals TOM SIMPLOT RENT SMART
Let season of togetherness apply to holiday cleanup also Wrapping paper, packing boxes, bubble wrap and the tree – the holidays create a ton of trash. When you live in an apartment community with shared refuse areas, great neighbors take extra time to share the space and get trash out of their homes. The new television you received for Christmas came in a huge box that takes a ton of space in the trash bin. The small shipping boxes that Amazon mailed have
piled up as gifts arrived from family and friends. Many of these boxes can be recycled. If your community offers a recycling bin, place cleaned boxes there once you have broken them down. Most cities offer recycling centers around town where you can drop materials to be reused. All boxes should be folded or cut down to maximize space in the bin. Cities that collect refuse often follow a holiday schedule, with the observed holiday dates shifting collections slight-
ly. Be sure to check online when your trash will be picked up. Gathering plastic milk and soda bottles, wine bottles and cans at the end of a great night can create a large trash stash. When recycling in a residential bin, you can’t put recycling items into a bag first. These items must be loose to be sorted. The plastic bags can catch in the machines. Don’t drop dirty boxes or food-stained items into the recycling bin. The greasy pizza box will attract pests and rodents
in the recycling facilities and will have to be sorted out there. If garbage bins in your community seem to overflow during the holidays, contact your apartment manager to find out how to best handle your refuse. No one wants garbage bags left out around the bins and it’s our shared responsibility to keep these areas clean. Tom Simplot is president and CEO of the Arizona Multihousing Association.
IF YOU ARE THINKING ABOUT REFINANCING,
GET OFF THE FENCE. THE CLOCK IS TICKING, TIME IS RUNNING OUT!
Mortgage Rates Hit an All-Time Low! • No Points • No Fees • No Closing Costs You don’t have to pay a lot in fees to get a great rate!
Purchase or Refinance Loan amounts between
$
$
150,000 to 417,000
NO application fee, NO processing fee, and NO upfront appraisal fee.
480.607.7906 or visit us at scoutmortgage.com 9304 E Raintree Dr., #110 Scottsdale, AZ 85260 This advertisement is a solicitation by Scout Mortgage, Inc. for a mortgage loan. Loan amounts $150,000 to $417,000. 15 or 30 Year Fixed. Closing Costs paid at closing include title, recording, processing, underwriting, and escrow fees. Appraisal paid up front by borrower, reimbursed at closing. Prepaid taxes/insurance not included. Good credit required. Owner Occupied homes only. Verifiable income required. Impounds may be required. Consolidating debt may increase rate. Your rate and term may vary. Not all applicants will be approved. Call for details. MB0903218/NMLS# 56553 AR-0008630674-02