by kramoltz@hotmail.com | Jan 7, 2019 | Uncategorized
This single story home (MLS #5848631) is located in the desirable, gated Scottsdale Ranch neighborhood of Suntree East. The entry is through an inviting courtyard with plenty of room for relaxing outdoors. A two-way, real wood burning fireplace divides the dining and...
by kramoltz@hotmail.com | Dec 28, 2018 | Home Ownership
Numbers 6 -10: 6. Get a Written Contract. Obtain and keep a written copy of all contracts, change orders, and receipts. Contracts for jobs costing more than $1,000 are required by Arizona law to provide specific information about the project (e.g. a description of the...
by kramoltz@hotmail.com | Dec 26, 2018 | Mortgages + Lending
Many buyers only focus on their credit rating when they are ready to buy a home. But when deciding whether to grant you a loan, lenders evaluate four things to make sure you can make the loan payments: Capacity – your current and future ability to pay back the...
by kramoltz@hotmail.com | Dec 18, 2018 | Home Ownership, Renters and Renting
The net worth of a homeowner is on average over 44 times greater than that of a renter. One way to look at it is that home ownership works as a form of forced savings. Every time home owners pay their mortgage, they are contributing to their net worth by increasing...
by kramoltz@hotmail.com | Dec 14, 2018 | Animal Stories (mostly Dogs in the Military)
In a blackout darkened alley of Paris in 1917, an American soldier stumbled over what he thought was a pile of rags. It turned out to be a scruffy terrier, who decided to not to leave the soldier’s side, even when he went to the front. “Rags” assisted the soldier in...
