Lenders Want to Say Yes
If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.
Read this online and get more information: Lenders Want to Say Yes

Tucson Areas of Knowledge

I service the following Tucson Metro and surrounding areas: Tucson, Dove Mountain, Oro Valley, Green Valley, Sahuarita, Vail, and Sonoita. Each of these areas are unique. Tucson is divided in many unique areas. Downtown Tucson, artisan homes, lofts, near Fourth Avenue,Tucson Fox Theater, shoppes and a variety of restaurants. Catalina foothills, unique for its own shoppes, boutique shoppes,  golf courses, resorts, spas,  restaurants, city lights  and Santa Catalina mountain views. Sabino Canyon, secluded, with its own desert beauty, large parcels of land, golf course and resorts.  U of A University, central of Tucson, with many unique areas, subdivisions,  many well established  areas, some newer areas. Medical centers, and hospitals. North West Tucson, offers a variety homes, designs, styles and size of land. East of Tucson full of variety, from desert vegetation, Rincon mountain views, walking trails, Saguaro National park, and more. South West of Tucson, the casino life, Saguaro National park, sunset vistas, Old Tucson Studios, observatory, good access to downtown Tucson,  and more. Vail, acreage, horse properties, closer to the Sonoita wine country, lots of natural desert beauty, an open space lifestyle. Sahuarita, parks, swimming pools, walking trails, very family community oriented, not that some of the other areas are not, this one is a large community. Green Valley, the active retirement lifestyle, many gated communities, endless golf courses, arts, near casinos, crafts, many activities year round. Quail Creek, gated community, golf course, Santa Rita Mountains, not far from Tubac for shopping, arts and crafts. These areas are not far from the Tucson International  Airport.  Dove Mountain, a desert oasis, a gem in the desert, with two golf courses, Ritz Carlton, many gated communities, and shopping. If you want, really secluded, Tuson has many to offer, Coyote Creek is one of them, custom homes, gated communities, great elevation, cooler weather, outstanding mountain views. You might get some snow on the mountains.  Sonoita, known for its wine, rancher’s and horse property, higher elevations, cooler summer nights, surrounded by many mountains, lots of open space. For school reports go to my website, www.joemachado.com. Arizona southwest is a lifestyle with 350 plus days of sunshine.

Golf course property, with backyard lake view of the 13th green,  move in ready.

Click below to read more.

http://www.fastemailflyers.com/public/viewflyer.cgi?flyer_id=137541

Qualifying For A Loan
It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today’s marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan “pre-approval”. The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.

Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about “pre-approval”, they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.
Read this online and get more information: Qualifying For A Loan

Joe Machado

Investing in Your Neighborhood
Some neighborhoods have the reputation of being terrific places to live, and the difference is often the investment that people make in their community. These neighborhoods embody a community spirit that reflects the pride of the people who live there. In addition to the financial investment the residents have in their property, they also invest their time by participating in local affairs.

How can you become active in your community? You can participate in your neighborhood association by volunteering to serve on committees. You can keep abreast of issues that could impact your area by testifying at hearings or writing letters to local government officials. There may be ways that you can help your neighbors if they are having a hard time with a serious illness or job loss. If your children are grown, you can make a tremendous difference by doing volunteer work in after-school tutoring programs. When some people begin to get involved in making a difference in their neighborhood, others soon follow.
Read this online and get more information: Investing in Your Neighborhood

Joe Machado

 Greetings from Willcox!

There are tons of peaches ripe and ready for picking! Plus sweet corn, melons and lots of other treats you wouldn’t want to miss! Plan your Apple Annie’s adventure now!

Apple Annie’s Orchard

Peach Mania Continues! Sweet, tree-ripened peaches, peach pies, peach fudge, peach topped pancakes and homemade peach ice cream are all waiting for you at Peach Mania! If you can’t make it this weekend, don’t worry, Peach Mania runs each weekend through August 15. You-pick as well as already picked peaches are available. The peaches are still just $1.59/lb! Even though our growing costs have risen over the years, we haven’t raised our peach prices in three seasons! Right now we have Red Haven and New Haven peaches for you to pick and will start picking Glohaven this weekend. All of these peaches are freestone and have yellow flesh. The Burger Barn will be open for lunch every Friday, Saturday and Sunday throughout the season! The famous pancake with peach topping breakfast will be served each weekend of Peach Mania from 7am-10:30am. The Orchard is open daily 8am-5:30pm through October 31.

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In this issue: 2nd Annual Celebrity Jazz Benefit | ARCO! | TJS Annual Meeting | Faces of Jazz