
10 minute read
Home & Garden
Craig Turley Arizona Mortgage Advantage Owner/Broker/CMC© Certifi ed Mortgage Consultant®
WE’RE HOME TO PERSONAL SHOPPERS. WORKING ON YOUR BEHALF, NOT OUR OWN. COME HOME TO THE EXPERTS.
602-734-5695 602-930-2529 craig@azmortgagebroker.com www.azmortgagebroker.com Company NMLS 1561316, AZ MB 0938970 Individual NMLS 80917, AZ LO 0920832
CUSTOM REMODELING DESIGN/BUILD
Turning Dreams Into Reality Since 1978 PROFESSIONAL REMODELER Kirk Development Named Contractor of the Year Bathrooms • Kitchens • Master Suites
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CALL NOW - FREE IN HOME ESTIMATE 602-944-3658
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We don’t just meet expectations; we exceed them!


Mention this ad for a FREE appraisal. Jaclyn Payne NMLS #: 209965 AZ LO 0912190 CNN Mortgage Senior Loan Originator Direct: (480) 296-7830 Cell: (602) 820-5291 Fax: (480) 907-2269 jpayne@cnnmortgage.com www.cnnmortgage.com/jaclynpayne 7025 East Greenway Parkway Suite 100 Scottsdale, AZ 85254
LHM Financial Corporation dba CNN Mortgage, Corporate NMLS # 148530. Toll free: 877.443.9090. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All loans are subject to credit and underwriting approval. Not all applicants will qualify. Licensed by the Arizona Department Financial Institution, License No. BK0901814. *Mention this ad at time of application, which extends a free appraisal. Borrower is responsible for closing costs incurred if the loan does not close and/or is not funded by CNN Mortgage. A borrower may not use this offer to obtain a refund for appraisal in the event that a loan fails to close or fund. This offer cannot be used with any other discount or promotion. This offer expires December 30, 2018. This is an advertisement.
SOLD Allison Barnett
480.331.7815 allison@north32nd.com allisonjbarnett.com north32nd.com AZBR 654152000 | CABRE 01849212
@allisonjbarnett
SOLD

SOLD Realtor®+Yogi+Infl uencer
Associate Broker @ My Home Group in AZ & CA Managing Partner @ North 32nd, Inc. Founder of North 32nd Home Tour Paradise Valley Village Planning Committee Member 2016: PHX Impact Volunteer 2016+2017: SAAR 40 under 40
SOLD SOLD
3408 E Sunnyside Dr 85028 $339,888 Represented Seller
2408 E Brown St 85028 $468,000 Represented Seller
3029 E Cheryl Dr 85028 $389,000 Represented Buyer
2350 E Mountain View Dr 85028 $1,125,000 Represented Buyer
1% of commissions will be donated to:
6409 E Blanche Dr 85254 $475,000 Represented Seller

Success means we go to sleep at night knowing that our talents and abilities were used in a way that served others. – Marianne Wilson
FALL GARDENING FOR BEGINNERS AND BEYOND
The arrival of Fall brings a new opportunity to grow a glorious garden of vegetables, herbs and flowers. Have you been dreaming about your very own salad garden of lovely, leafy greens? Lucky for you, our favorite urban gardening store Wright In The Garden offers educational workshop series classes. They are led by local grower Emily Heller and cover a variety of seasonal garden topics for those gardening in the Southwest. The best part? The classes are FREE!
Fall Gardening for Beginners and Beyond will be held October 7, 14, 21 and 28 from 1 p.m. – 3 p.m.

Whether you are new to gardening or want to learn how to be more successful, all are invited to attend! Join them for gardening fun, learning and inspiration.
Be sure to RSVP on their website, as space is limited. www. WrightInTheGarden.com
Wright In The Garden is located at 10880 N. 32nd St., Ste. 27. For more information, call 602-788-1354.
Hello Fall! Hello Fall!
Are you ready for cooler weather? Are you ready for cooler weather?
0% for 60 months OR up to $1,000 rebate



Plus free wifi thermostat with purchase of new unit Wifi offer expires 10/31/18

Automotive Chip Window Screen/ Key Cutting and Shade Screen
Programming Now Services Available!
Call Today! 602-944-9585 Ask about our Scratch and Dent Specials!

* The Wells Fargo Home Projects credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms for 60 months apply to qualifying purchases charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 04/01/2018 and is subject to change. For current information, call us at 1-800-431-5921. O er expires 11/15/18
A/C • Heating • Sales • Service • Installation
Bring ad in for 10% off these services! *offer valid for screen services and automotive chip cutting only. Exp 11/1/2018.
Paradise Hills Shopping Center 10624 N 32nd Street 602-971-1036 Open Every Day Karstensace.com
RESIDENTIAL REAL ESTATE SHOULD I CASH OUT MY HOME EQUITY?
By Mike Tizzano Fairway Independent Mortgage Company
Over the past several years, the North 32nd area has seen a major increase in home values. Per Zillow, we’ve seen increases of more than 7 percent just the past 12 months. That means residents that have owned their homes for a few years are potentially sitting on a pretty good amount of equity.
I recently received a call from a client that had fallen into a bind. At no fault of their own, they had been temporarily forced to rely heavily on their credit cards. While the situation that led them to do that was rectified, they were finding themselves barely staying afloat with their monthly bills. This became a bigger issue with the recent storms causing major damage to their roof. We were able to look at their mortgage situation and decided to do a cash-out refinance, paying off all of their other bills and the roof. In this situation we were able to save them over $400 per month and save them from going further into debt to pay for their roof.
The situation discussed above is one of the few instances that I personally would recommend doing a cash-out refinance on your home. It is my humble opinion that your home’s equity should be the last thing you access when funding is needed. One of the issues prior to the housing crisis in 2007 was that people were accessing their over-inflated home values for impulsive purchases. Here are some reasons that accessing your home’s equity could make sense:
1. DEBT CONSOLIDATION:
It doesn’t always make a lot of sense to wrap other debts into your home. However, in instances such as the story above, it was the most sensible option but ONLY if they don’t go back to over-utilizing their credit cards again. Otherwise, the fact that they have exhausted their home’s equity could come back to haunt them.
2. HOME IMPROVEMENT:
Utilizing some of your home’s equity to pay for repairs or improvements can be a good idea as doing so may increase the home’s value. It is important to understand what types of improvements add value to the home. For example, adding an in-ground swimming pool rarely adds dollar for dollar value so it is probably not a good idea to do so if you are not planning to remaining in the home long term.
3. PAYING FOR YOUR CHILD’S EDUCATION:
Hopefully your high school student is doing well enough to earn a scholarship. If they aren’t, it might not be a bad idea to use home equity to pay for their higher education. As a mortgage lender I see time and time again where student loan debt inhibits home ownership for younger buyers.
In short, there are reasons to cashout equity. These do not include purchasing luxury items, vacations, and things of that nature. If you’re considering accessing your equity be sure to discuss the sensibility with a professional that is more interested in helping you than closing a sale.
Your Home Should Be YOUR WAY That’s the FAIR WAY



RENOVATION
DEPARTMENT
Mike Tizzano
Loan Offi cer NMLS ID 1015837 Cell: 480-840-4483 Offi ce: 602-362-4025 Mike.Tizzano@fairwaymc.com 11811 N. Tatum Blvd., Suite 2700
Copyright©2017 Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718. 1-877-699-0353. All rights reserved. This is not an offer into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations should apply. Equal Housing Lender. Arizona Mortgage Banker License No. 0904162.
LONG-TIME NORTH 32ND RESIDENT ACTIVE COMMUNITY MEMBER EXPERIENCED REALTOR® Coldwell Banker International Sterling Society 2014, 2017 Coldwell Banker Bronze Circle 2015, 2016 Powered by ZipRealty Circle of Excellence 2012-2018

WHAT IS YOUR HOME WORTH? Check my free app: https://goo.gl/9GwS6c or call/text or email me!
Sarah Sakalauski 602.332.2005 sarah.sakalauski@azmoves.com FB @sarahsakalauski License #: AZ SA637792000
See what my clients say at www.sarahsakalauski.com
are you awesome? We’re HIRING

Eculeus Group Publishing is growing and we want YOU to join our sales team! Call 888-313-7916 for more information. Deer Valley Times North Tatum Times North 32nd News Scottsdale North News The Scottsdale Standard
RESIDENTIAL REAL ESTATE

AVOID 6 COSTLY ERRORS WHEN MOVING TO A LARGER PHOENIX HOME AND SAVE THOUSANDS
Anew report has just been released which Mistakes to Avoid When Trading Up to a Larger identifies the 6 most common and costly Home.” mistakes that homebuyers make when moving to a larger home. These six strategies will help you make informed Unlike the experience of buying a first home, in anticipation of moving to a larger home. when you’re looking to move-up, and already own a home, there are certain factors that can To hear a brief recorded message about how to complicate the situation. It’s very important for order your FREE copy of this report call toll-free you to understand these issues before you list 1-844-310-9514 and enter 3407. You can call your home for sale. any time, 24 hours a day, 7 days a week.
Not only is there the issue of financing to consider, but you also have to sell your present home at exactly the right time in order to avoid either the financial burden of owning two homes or, just as bad, the dilemma of having no place to live during the gap between closings.
In answer to this issue, Industry Insiders have prepared a FREE special report entitled “6 choices before you put your home on the market Get your free special report NOW to find out what you need to know to make your move-up to a larger home worry-free and without complication.
This report is courtesy of Todd Gulinson, RE/ MAX Fine properties. Not intended to solicit buyers or sellers currently under contract. Copyright © 2018
UPSIDE DOWN?

Are you upside down with your home and need to sell? Call or email us today! We help homeowners AVOID foreclosure!
JOHN BROPHY Realtor www.johnbrophy.com johnbrophyhomes@gmail.com 480-269-1705
Keller Williams Sonoran Living
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