Many people who live in Arizona have went through a short sale in the last few years and are now wondering “how long after a short sale can I get a new mortgage?”

In the case of Sharon Johnson-Smith, Academy Mortgage and Steve Alonso were able to get them into a new home with financing only one year after a short sale.

Have you had a short sale in the past and now want to get a mortgage? Contact Steve today to find out how.

Get a Mortgage One Year After a Short Sale

From: Sharon Johnson-Smith
To: Steve Alonso
Sent: Friday, January 13, 2012 11:12 AM
Subject: Endorsement

Hi Steve,

Here is our endorsement – and we mean it sincerely. -Sharon and Pinkie.

—–
And they said it couldnt be done My husband and I began to have our doubts, but Steve Alonso pulled it through.

We are elated about being able to get financing on a home after only ONE year since our short sale closing.

I was particularly doubtful after talking with several other realtors who were sure that it takes 2-3 years after a short sale before any lending institution will finance a mortgage.

I had serious second thoughts about going through with purchasing our new home, after talking with a couple of mortgage brokers who saw it highly improbably we would get financing this year.

However, Steve with his This will be done, attitude, actually did it. Thank you Steve for performing what was considered an impossible feat!

Sharon Johnson-Smith, REALTOR
480-893-0600
Fax:888-400-1956
West USA Realty
sjsmith100@hotmail.com
sjsrealestate.listingbook.com

Of the approximately 312 million people living in America today, it is estimated that 49 million people are living with an extended family member and as the baby boomer generation gets older, it is widely expected that the number of people who have an extended family member living with them will continue to rise.

When faced with choices related to caring for an elderly parent, let’s face it: having grandma move into your daughter’s bottom bunk isn’t high on anyone’s list of options. But at least one home builder is providing a revolutionary idea when building homes with an area designed to accomodate an expanded family – Lennar Homes.

Lennar Homes has recently introduced the Next Gen Casita option to some of it’s communities here in the Maricopa county area and with the number of senior citizens who already call Arizona home, don’t be surprised to see many other home builders attempt to copy this idea. Just a few of the features of the Lennar Next Gen Casita include:

• Larget Kitchenette including dishwasher, full-size fridge, full-size sink and microwave
• Private patio with room for a BBQ
• Laundry space for washer and dryer
• Private 1 car garage with direct access to the casita
• Private bedroom and bathroom
• Private living room
• Private porch area great for relaxing

If you are in the situation where you may be having an elderly parent live with your family, the Next Gen Casita home provides a unique solution to an increasingly-common occurrence. Learn more about your home-buying options and see what it takes to get qualified to buy one of these homes that are designed for your expanded family needs.

Lennar Next Gen Casita: More Information

Lennar Phoenix

From: Brittney Paul
Date: Thu, 8 Sep 2011 18:58:49 -0700 (PDT)
To: Scott Smith
Subject: Re: Update

Hey Scott,

Now that I have internet, I just wanted to email you and say thank you for getting me closed on time! I know it was probably pretty stressful for awhile. We are all moved in now and love the house!

Thanks again!
Brittney Paul

From: Jon and Carol Post
Date: August 18, 2011 8:26:31 PM PDT
To: Steve Alonso
Subject: Thank you!!!

Hi Steve,

I just wanted to drop you a note to let you know how happy we are with the way you handled our loan! After weeks of battling with an unprofessional lender, you have been a breath of fresh air. I appreciate your professionalism and your committment to your customer. It is so nice to have a lender who keeps his word and is trustworthy. When you said you were going to do something, you actually did it!! I honestly felt like buying a house in Arizona was a nightmare, until we switched to you. Please know that you receive the absolute highest recommendation that I could give any lender. I hope that your company knows just how fortunate they are to have you working for them! If we ever need to purchase a home again in Arizona, you will definitely be the only lender we will call.

Thank you again,

From all the Posts!!

As summer stretches on, we wanted to pass along some thoughts about trimming your trees here in Phoenix – provided by our friends at Tree Doctors Inc.

There are several reasons for trimming your trees and while they are young you may be able to do it yourself but full grown trees need the services of a Phoenix tree trimming professional. Shaping your trees makes them fit into your landscape and they are pleasing to the eye. Some trimming is needed to help the tree grow strong and stay healthy.

In the spring, when the tree is small, leafless and before new growth begins is the perfect time to trim your trees. The new growth spurt will allow the trimmed edges to heal. Cut any branch that crosses over another. Also, cut any branches that grow toward the center or the trunk rather than outward. Since trees need light, cut enough branches in the middle so light can come through. If your tree has many center leaders, cut them back so you only have one.

Don’t cut the branch collar which is the swollen area where the branch meets the main trunk. Also, don’t leave a long stump where you’ve cut a branch. That can cause decay. Make clean, smooth cuts. Don’t remove the tallest outer branches.

Don’t cut into the branch bark ridge. That’s the place where the bark is pushed up where the branch is connected to the trunk. If there is no branch bark ridge, the connection is weak and the limb should be removed.

As the tree grows, cut the lower branches so the crown of the tree is high enough for people to walk under. You want to see the house, and you don’t want a tree to grow over the roof, cars or sidewalk. If you trim your trees while they are young you might not need a professional Phoenix tree removal company to trim or remove problematic trees when they are full grown.

Need help trimming your trees in the Phoenix area? Tree Doctors Inc is a great choice.

Many people who are having problems with their mortgage have a couple of questions:

1. What is the foreclosure process in Arizona?

2. How long after until you can buy again after foreclosure?

The foreclosure process in Arizona is pretty cut and dry regarding timelines and doesn’t have to be a mystery. If you are considering strategic default in Arizona, you will want to be informed of exactly what the timelines and process are – that way there are no surprises.

Highlights about the foreclosure process in Arizona:

Arizona foreclosure law is very clear: a lender must send you a breach and default letter saying you have 30 days to pay this mortgage up or we reserve the right to foreclose. The lender cant give you the letter until you are at least 60 days into default.

When that letter comes, you know that you have a minimum of 5 months.

Every home is a non-judicial foreclosure within residential real estate.

No one is going to show up at 3am, knock on your door and say get out.

Even after the home has been sold, you have rights of occupancy in the home until they actually evict you.

When you make the good decision to leave your home, you have rights and obligations.

And when it comes to buying after foreclosure, we are helping people every day get into a home after a short sale, foreclosure or other financial issues in their past. Popular loan options include FHA loans or USDA loans for those coming back to the housing market after a foreclosure or short sale – and with interest rates low and prices low – it makes for a great time to buy.