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Phoenix Pet Expo - Tomorrow!

by Nate Martinez

The Phoenix Pet Expo on Saturday isn't just for dogs. All pets are welcome, from lizards and turtles to rabbits and birds, at the inaugural convention.

What: More than 175 exhibitors, including trainers, groomers, rescues shelters, and retailers, will be at the inaugural Phoenix Pet Expo.

When: 10 a.m.-6 p.m. Saturday, June 12.

Where: University of Phoenix Stadium, Loop 101 and Glendale Avenue, Glendale.

Admission: Free.

Details: 888-672-6088, phoenixpetexpo.com



Read more: http://www.azcentral.com/thingstodo/events/articles/2010/06/07/20100607phoenix-pet-expo-opens-doors-all-pets.html#ixzz0qae1Zbqw

Why HAFA?

by Nate Martinez

HAFA is the only program that gives you cash for avoiding foreclosure through a short sale or deed-in-lieu of foreclosure. If you complete a short sale or deed-in-lieu, then up to $3,000 in Borrower Relocation Assistance may be available to aid in your transition. The biggest gain of HAFA, however, is that it helps you get your life back if you feel like there are no other solutions when faced with foreclosure.

What’s in it for the Homeowner?

Homeowners qualify for $3,000 in Borrower Relocation Assistance. Bare in mind, this money will be deducted from the gross sale proceeds at the time of closing and may classify as taxable income, in some cases.

Why Would my Lender Participate in HAFA?

Lenders and servicers receive $1,500 in administration and processing fees for each successful short sale transaction under HAFA guidelines. Servicer may not charge borrower any processing fees and MUST pay all out-of pocket expenses.

If I Have More Than One Lien Holder, Why Would They Release My Debt?

Under HAFA, subordinate lien holders receive up to $6,000 to release liens.

What Motivates Investors to Buy a Short Sale?

Investors are given $2,000 for subordinate lien holder payoff as well as a great deal on a properly maintained property. For every three dollars spent to release liens (up to $6,000) investor is reimbursed one dollar (up to $2,000).

 Az Short Sale Resource

Source: Making Home Affordable. Supplemental Directive 09-09 Revised (2010)

HAFA/HAMP Eligibility Guidelines

by Nate Martinez

Most homeowners facing financial hardship are eligible for a HAFA (Affordable Foreclosure Alternatives Program). As a rule, if a homeowner is eligible for HAMP (Home Affordable Modification Program) but cannot pay the mortgage, then he or she is eligible for an assisted short sale through HAFA. Your real estate agent can request a HAFA short sale on your behalf.

For a loan to qualify, it must meet the following criteria:

• The property is the borrower’s principal residence

• The mortgage loan is a first lien mortgage originated on or before January 1, 2009

• The mortgage is not owned or guaranteed by Fannie Mae or Freddie Mac

• The mortgage is delinquent or default is reasonably foreseeable

• The current unpaid principal balance is equal to or less than $729,750

• The borrower’s total monthly mortgage payment exceeds 31 percent of the borrower’s gross income (as defined in HAMP Supplemental Directive 09-01)

For more information on foreclosure alternatives, please contact us today.

24 Thoughts Never to Forget

by Nate Martinez
24 Thoughts Never To Forget...
 
Your presence is a present to the world.
You're unique and one of a kind.
Your life can be what you want it to be.
Take the days just one at a time.
Count your blessings, not your troubles.
You'll make it through whatever comes along.
Within you are so many answers.
Understand, have courage, be strong.
Don't put limits on yourself.
So many dreams are waiting to be realized.
Decisions are too important to leave to chance.
Reach for your peak, your goal, your prize.
Nothing wastes more energy than worrying.
The longer one carries a problem, the heavier it gets.
Don't take things too seriously.
Live a life of serenity, not a life of regrets.
Remember that a little love goes a long way…
Remember that a lot…goes forever.
Remember that friendship is a wise investment.
Life's treasures are people…together.
Realize that it's never too late.
Do ordinary things in an extraordinary way.
Have health and hope and happiness.
Take time to wish upon a star.
And don't ever forget…for even a day…
How very special you are.

Why Not You?

by Nate Martinez
Why Not You?
By Steve Maraboli
 
Today, many will awaken with a fresh sense of inspiration. Why not you?
 
Today, many will open their eyes to the beauty that surrounds them. Why not you?
 
Today, many will choose to leave the ghost of yesterday behind and seize the immeasurable power of today. Why not you?
 
Today, many will break through the barriers of the past by looking at the blessings of the present. Why not you?
 
Today, for many the burden of self doubt and insecurity will be lifted by the security and confidence of empowerment. Why not you?
 
Today, many will rise above their believed limitations and make contact with their powerful innate strength. Why not you?
 
Today, many will choose to live in such a manner that they will be a positive role model for their children. Why not you?
 
Today, many will choose to free themselves from the personal imprisonment of their bad habits. Why not you?
 
Today, many will choose to live free of conditions and rules governing their own happiness. Why not you?
 
Today, many will find abundance in simplicity. Why not you?
 
Today, many will be confronted by difficult moral choices and they will choose to do what is right instead of what is beneficial. Why not you?
 
Today, many will decide to no longer sit back with a victim mentality, but to take charge of their lives and make positive changes. Why not you?
 
Today, many will take the action necessary to make a difference. Why not you?
 
Today, many will make the commitment to be a better mother, father, son, daughter, student, teacher, worker, boss, brother, sister, & so much more. Why not you?
 
Today is a new day!            
 
Many will seize this day. Many will live it to the fullest.

Why not you?

1st Quarter 2010 Economic & Market Watch Report

by Nate Martinez

Click here for the Economic and Market Watch Report, 1st Quarter, 2010.

 

The 7 Most Dangerous Short Sale Myths

by Nate Martinez

A short sale can be an excellent solution for homeowners who must sell and owe more on their homes than they are worth. Unfortunately, a number of myths about short sales have developed and it is important to understand the reality of this process should you find it meets your current needs.

Myth #1 – The Bank Would Rather Foreclose than Bother with a Short Sale

This is one of the most common misconceptions. The reality is that banks do not want to foreclose on your property because the foreclosure process is incredibly costly. Banks, investors, and even the federal government have all publicly stated that if a person is qualified for a short sale, the deal needs to be considered. Overwhelmingly, banks receive more on their investment through a short sale than a foreclosure. The qualifications for a short sale include:

1. Financial Hardship – There is a situation causing you to have trouble affording your mortgage.

2. Monthly Income Shortfall – “You have more month than money.” A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.

3. Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

Myth #2 – You Must Be Behind on Your Mortgage to Negotiate a Short Sale

While this may have previously been the case, today lenders are looking for verifiable hardship, monthly cash flow shortfall, or pending shortfall and insolvency. If you meet these three requirements and believe that you soon may be unable to afford your mortgage, act immediately. Any delay could limit your options. Do not wait until the countdown clock to foreclosure has started and you have even less time left.

Myth #3 – There is Not Enough Time to Negotiate a Short Sale Before My Foreclosure

This is a myth that probably hurts homeowners the most. Many do not realize that foreclosure is a process, and that there is time to make decisions that may result in better outcomes. The foreclosing party—in most cases a lender—can stall a foreclosure up to the final day of the process. Today, many lenders will stall a foreclosure with as little as a phone call from you explaining that you are trying to sell, and almost all lenders will stall a foreclosure with a legitimate contract. For real estate professionals who understand foreclosures and short sales, there is time available until the foreclosure process is complete.

It is understandable to have reservations about letting the world know that you owe more on your home than it is worth. However, according to recent estimates, more than one out of eight homeowners in the U.S. is in the same situation. You are to be congratulated for admitting you need help, taking action, and finding a professional who can work with you toward a solution. With recent estimates showing 40-60% of U.S. sales will be short sales or foreclosures, you are not alone. This is a complete falsehood. Are short sales more difficult to execute? Yes. Do you, as a homeowner, need to learn about a new process? Yes. Are they impossible? Absolutely not.

Myth #4 – Listing My Home as a Short Sale is an Embarrassment

It is understandable to have reservations about letting the world know that you owe more on your home than it is worth. However, according to recent estimates, more than one out of eight homeowners in the U.S. is in the same situation. You are to be congratulated for admitting you need help, taking action, and finding a professional who can work with you toward a solution. With recent estimates showing 40-60% of U.S. sales will be short sales or foreclosures, you are not alone.

Myth #5 – Short Sales are Impossible and Never Get Approved

This is a complete falsehood. Are short sales more difficult to execute? Yes. Do you, as a homeowner, need to learn about a new process? Yes. Are they impossible? Absolutely not. For example, agents with the Certified Distressed Property Expert® (CDPE) Designation receive thousands of short sale approvals on a monthly basis. These professionals have undergone extensive training in methods to help homeowners in distress and process short sales. While there are no guarantees in any transaction, more and more short sales are being approved regularly. This is far from an impossible process.

Myth #6 – Banks are Waiting on a Bailout and Not Accepting Short Sales

You may have heard this, but the reality is that banks (and the U.S. government) are trying to do anything they can, within reason, to avoid foreclosing on properties. It is preposterous to believe they would deny a short sale in hopes that some future legislation would pass and pay them for losses. Today, more banks are aggressively pursuing short sales and working with agents who understand how to process them. Freddie Mac recently hosted a national training Webinar for real estate agents where they expressly stated the organizational goal of eliminating distressed assets through modification or short sale.”

Myth #7 – Buyers are Not Interested in Short Sale Properties

This is a myth that potential sellers hear all the time. Thankfully, this is just not true. In fact, many agents are getting calls from buyers who say they only want to look at foreclosure and short sales. For buyers, short sales and foreclosures have become synonymous with “good deals.” More specifically, international buyers are targeting these properties. Listing with an experienced agent who is educated in the short sale process will provide you with a great chance of quickly seeing a contract on your property.

 

 

 

 

What do to in the Valley for Memorial Day

by Nate Martinez

MEMORIAL DAY PARADE & PANCAKE BREAKFAST

Recreation Campus 159600 N. Bullard Avenue 
Come honor the Veterans and Active Military personnel who have and are protecting our great country at the 4th Annual Memorial Day Parade. Also, don't miss out on the Pancake Breakfast, provided by Archie's Deli!
Saturday, May 29. Pancake Breakfast starts at 6:30am, Parade starts at 8:30am, Pancake Breakfast - $3 - Parade - Free

http://www.surpriseaz.gov/index.aspx?NID=491

4th ANNUAL PHOENIX MEMORIAL DAY BIKE RALLY

23029 N Cave Creek Rd

Flag Display & Salute to arrivals at 6:30am. This is where we park our bikes along the many flags lined on Cave Creek Road and say "thank you" to those that are going into the cemetery. Also, the Arizona Central T-Buckets will be joining us and lining their hot rods along Pinnacle Peak Road. As family members go into the cemetery, we salute them and let them know their relatives buried in the cemetery are not forgotten.

Monday, May 31, 6:30 am – 10:00am

http://www.ridersusa.net/

AVONDALE MEMORIAL DAY CEREMONY:

Avondale Civic Center

Come to this annual sunset service offered by the City of Avondale, American Legion Post 61, and VFW Post 40. Guest speakers, Presentation of Colors, Presentation of Bricks in Memorial Walk of Honor.

Monday, May 31, 7:00 – 8:00pm

http://www.avondale.org/CurrentEvents.aspx?EID=3084

ARIZONA ACADEMY OF PERFORMING ARTS

Pera Club, 1 E Continental Drive, Tempe

The 8th annual Memorial Day celebration recognizes the memory of our war heroes through a spectrum of family events including food, games, entertainment, and raffles. The Academy Drum and Bugle Corps will debut their 2010 music.

Monday, May 31, 4:00 – 8:00pm - $8.00 day of event

http://www.arizonaacademy.org/index.php?option=com_content&view=article&id=111&Itemid=116

Which is the right Sunblock to use?

by Nate Martinez

Every feel overwhelmed by all the brands of sun block there are to choose from? There are approximately 500 different brands available and half of them actually increase the speed at which malignant cells develop and spread skin cancer because they contain vitamin A or its derivatives, according to a new study that came out. Shockingly, only 39 out of 500 products examined were considered safe and effective to use. The report cites these problems with bogus sun protection factors (SPF):

1.) The use of hormone-disrupting chemical oxybenzone, which penetratest the skin and enters the bloodstream.

2.) Overstated claims about performance.

3.) The lack of needed regulations and oversight by the Food and Drug Administration.

The most disturbing disclosure is the use of vitamin A and its derivatives, retinol, retinyl palmitate which may speed up the cancer that sunscreen is suppose to prevent. Vitamin A has been used in sunscreen formulas because its an anti-oxidant that slows skin aging, however, an FDA study of vitamin A's photocarcinogenic properties, may actually cause cancerous tumors when exposed to sunlight.

In a perfect world, the ideal sunscreen would completely block the UV rays that cause sunburn, immune suppression and damaging free radicals. It would remain effective on the skin for several hours and not form harmful ingredients when degraded by UV lights. In the US there is currently no sunscreen that meets all the criteria. When we purchase a 30 or 45 SPF, we think we are getting the best coverage and protection from the sun's rays. However, the new report discovers those numbers are often meaningless and dangerous because products with high SPF ratings sell a false sense of security, encouraging people using them to stay in the sun for long periods of time. "People don't get the high SPF they pay for", the report says. "People apply about a quarter of the recommended amount. So in everyday practice, a product labeled SPF 100 really performs like SPF 3.2 and SPF 30 rating equates to a 2.3 and an SPF 15 translates to 2."

So how do you know which one to purchase? The following are a few of the brands rated the best out of the study:

1.) Badger, Face and Body SPF 30

2.) California Baby Sunblock Stick SPF 30

3.) Loving Naturals SPF 30

4.) Purple Prairie Botanicals, Sun Stuff and Sun Stick SPF 30

5.) UV Natural, Baby Suncreen and Sport Sunscreen SPF 30

6.) All Terrain Aquasport Performance and Kid Sport SPF 30

7.) Kabana Skin Care, Green Screen Organic Sunblock SPF 20

8.) Think Baby and Think Sport Suncreen SPF 30

These are just a few of the top rated choices, reported by this new study. To read the full article, http://www.ewg.org/2010sunscreen/best-beach-sport-sunscreens/

 

 

Sun Smarts: Stay Safe in the Sun!

by Nate Martinez

Arizona summers can be extremely hot and extended exposure to the sun can be damaging to our bodies. Anyone who has ever endured an Arizona sunburn, understands how painful and dangerous this can be! More than 1 million skin cancers are diagnosed each year in the United States. That's more than prostate, breast, lung, colon, uterus, ovaries, and pancreas combined diagnosed cases of cancer. The good news is that skin cancer can be prevented and there is alot you can do to protect yourself. Follow these practical steps - when used together, they will provide you with the best protection:

1.) Limit direct sun exposure during midday - UV rays are most intense during the 10am to 4pm hours. You should plan your outdoor activities before or after these hours.

2.) Avoid tanning beds and sunlamps - Tanning gives our UVA and frequently UVB rays which can cause serious long-term skin damage and both contribute to skin cancer.

3.) Ware shades and a hat - You should purchase sunglasses with at least a 99% UV absorption. And why not invest in a fun summer hat while you are at it!

4.) Use sunscreen with SPF of 15 or higher - The SPF number represents the level of protection against UVB rays, which are the type of rays responsible for the majority of skin cancers. A higher number means more protection. Sunscreens labeled "broad spectrum" also protect against UVA rays, which also contribute to skin cancer. You should apply generous amounts of sunblock every 2 hours if you are out in the direct sun for a long period of time. Don't forget your lips, ears, and feet. And don't skip putting sunblock on if its an overcast day, because UV light still come through, dispite the hazy sky.

5.) Check your skin - Check your own skin for unusual changes, new growths or changes in skin color. If you notice any moles that have changed size, shape or color, contact your doctor right away. Skin cancer is most easily treated if found early.

6.) Celebrate "Don't Fry Day" - remind your friends and family about the importance of skin cancer prevention and early detection on the National Council of Skin Cancer Prevention's "Don't Fry Day" on Friday May 28th, 2010. To learn more, please visit www.cancer.org.

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Nate Martinez
RE/MAX Professionals
20241 North 67th Avenue, Suite A1
Glendale AZ 85308
623-643-1010
602-430-5226
Fax: 602-532-7352

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