January 2020
Great News for Buyers in 2019

FHA loans are a popular type of mortgage because of the lower down payment requirements, if you are thinking of buying a home in Maricopa County the new loan limit will increase 6.9% in 2019 to $484,450.
Ask the the Sisters about other great programs like the zero down VA loans, a zero down loan for homes up to $1.5K, and other Military, teacher, law enforcement and other lender incentives. By the way, Jo and Bobbie are VA certified and Jo is a Military Relocation Professional.

We like to serve those who serve us!
Serving those who served our Country 
For Vets PCSing to or from the Phoenix, AZ area.

December 2019: The Buyer Stakes Are High Because Inventory Is Low

Keeping Current Matters


The reality of what we're seeing this month is that homes are selling fast. In today's strong seller's market, bidding wars are common and expected with starter or entry-level homes.

In most areas of the country, first-time buyers have been met with fierce competition throughout their homebuying experience. Some have been out-bid multiple times before finally going into contract on a home to call their own.

Right now, inventory is the big challenge. Here's what we know today:

According to the latest Existing Home Sales Report from the National Association of Realtors (NAR), there is currently a 3.9-month supply of homes for sale, which can drive this kind of hefty buyer competition. Remember, anything less than 6 months of inventory is a seller's market.

Even though the month's supply of inventory is not increasing, ironically, the number of homes for sale is. This means homes are coming up for sale, but they're being sold quickly. The graph below shows the year-over-year change in inventory over the last 12 months.


As depicted above, the percentage of available inventory has fallen for four consecutive months when compared to the previous year.

So, what does this mean? If you're a buyer, be sure to get pre-approved for a mortgage and be ready to make a competitive offer, so you can move quickly. Chances are, homes high on your wish list are likely going to go fast.



5 Ways to Save Energy and Money

Berkshire Hathaway HomeServices California Properties | 
Maria Hill 


Cutting down on energy use is great for the environment. It can also save you big bucks. Alternative energy proponent IGS Energy suggests four green and easy ways to do both:

Minimize 'phantom loads.' The term 'phantom load' refers to the energy that an appliance or electronic device consumes when it is not actually turned on. According to the U.S. Department of Energy (DOE), some 75 percent of the electricity in an average home is used to power electronics while the products are off. A report from the University of California Berkeley says that phantom loads account for about six percent of all residential electricity consumption. You can eliminate phantom loads by unplugging appliances and electronics when you are not using them or by plugging them into a power strip and turning the strip off when they are not in use.

Upgrade your appliances. When shopping for new appliances, look for the Environmental Protection Agency's Energy Star label. These appliances use less energy and water than their conventional counterparts. They may cost more than appliances without the Energy Star designation, but, in most cases, they will more than make up that additional cost through energy savings.

Change your lightbulbs. One of the least expensive and most effective changes you can make in your home is replacing your light bulbs with compact fluorescent light bulbs (CFL), which cost just a few dollars more and will save about $30 in energy costs over their lifetime. CFL bulbs use 75 percent less energy and last about 10 times longer than incandescent bulbs. Some people are concerned because CFLs contain mercury, but Energy Star says CFLs do not release any mercury when in use, and actually reduce mercury emissions because they lessen the need for electricity from power plants that emit mercury.

Install a programmable thermostat. These thermostats automatically adjust your home's temperature to your schedule, keeping it comfortable only when you need it to be. If you don't already adjust your thermostat throughout the day, a programmable thermostat could save you as much as 15 percent on heating and cooling costs.



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Jo Christensen | 480.652.8432 | Bobbie Christian | 602.421.7533