Monday, October 23, 2017

The question is HOW MUCH HOUSE CAN I AFFORD?

HOW MUCH HOUSE CAN I AFFORD?

To determine how much you can spend on a home, take a close look at your budget. Review your bank statements and spending habits for the last couple of months to figure out how much you are spending on everything from cellphone bills to restaurants. The Consumer Financial Protection Bureau offers a spending tracker that can help you figure out where your money is going each month.  
Once you have a better picture of your spending habits, determine how much you want to allocate toward a monthly home payment. This figure includes your principal, interest, tax and insurance payment, which add up to your monthly mortgage sum.
The Federal Housing Administration formula, used by many lenders, recommends allocating no more than 31 percent of your monthly income to your housing payment. This figure will change based on your amount of debt. Buyers with no other debt may be able to budget as much as 40 percent of monthly income to housing. (But remember that the rest of your budget is going to have to go toward heat, water, electricity, routine home maintenance and food.) Overall, your total debt-to-income ratio, including car payments and credit card bills, should not exceed 43 percent.
So, for example, if you make $50,000 in annual gross income, your monthly gross income is $4,167. That should leave you with $1,292, or 31 percent to devote to your monthly mortgage, provided your overall debt does not exceed $1,792 a month. Our mortgage calculator can help you determine what your monthly mortgage may be.
But remember that besides the mortgage, buying a home includes additional one-time payments that can quickly add up, including closing costs, legal fees and other expenses associated with buying, such as a house inspection. And don’t forget about moving fees or home improvements.                          By Michelle Higgins NY Times

Wednesday, September 13, 2017

Houzz Tour: Desert Modern Indoor-Outdoor Living With a Twist


See a stylish home in Tucson that blends a midcentury modern desert aesthetic with a colorful, bohemian vibe. 

5 Simple Ways to Stage the Exterior of Your Home Before an Open House

5 Simple Ways to Stage the Exterior of Your Home Before an Open House: If you want to put exterior home staging to work, here are five elements you should consider tweaking.



1. Clean Your Exterior Windows and Screens

2. Refresh Your Gardens and Walkways

3. Refresh Your Home's Siding

4. Update/Clean Door Fixtures and House Address Signage

5. Clean Patio Furniture 



The outside of your home is the first thing the buyer see's. Simple tweaks to the exterior of your home can have a big impact on your home's final selling price. By spending just a few days improving the look of the outside of your home, you can increase the amount buyers are willing to offer and make your home the cleanest real estate listing on the block. Will you be trying these exterior home staging tricks when you list your home for sale?

Saturday, August 26, 2017

OPEN HOUSE today 08-26-2017 12 PM - 3PM

 #OPENHOUSE  2426 W ROSE LN, Phoenix, AZ 85015

Today 12 PM-3 PM 2426 W ROSE LN, #Phoenix, AZ 85015 $225,000
10+! Immaculate,updated w/quality & good taste throughout! Near perfect gem that will win the hearts of picky buyers!


STOP by TODAY or Call Linda Wieczorek 602.391.8246 
with questions!















STOP by TODAY or Call Linda Wieczorek 602.391.8246 
with questions!

Monday, August 21, 2017

FIX UP's in Downtown Phoenix AREA

FIX UP's in Downtown Phoenix AREA 

LINK   call 602.391.8246 to view








Historic Woodlea & Melrose Neighborhood Real estate Update

Phoenix Historic Neighborhoods Melrose &Woodlea aka M& neighborhoods are HOT this summer only 1 Active listing. 
11 Sales in 6 months 

1 Active Listing Now and 1 Pending.



                      1 Active Listing Now and 1 Pending.

The Secret to Selling Your Home Faster and For More Money

The Secret to Selling Your Home Faster and For More Money


A well-staged listing is a many-splendored thing. Not only does it give potential buyers a chance to visualize your home's design potential, it turns out that staging your space (aka showcasing your home with furnishings) might very well help your home sell faster—and for more money. 


Wednesday, July 27, 2016

Phoenix Townhouse Condominium - Real estate Update 07/26/2016


 Statistical Market Analysis of 07/26/2016 Phoenix Townhouse Condominium are on the North West corner Of 15th AVE and Campbell  in Central Phoenix. Just to the east of the Town homes. east of 15th AVE  is the Melrose & Woodlea Historic Neighborhood. To the south and west lies Bonnie Lea Neighborhood.
Phoenix town homes are a great buy for central Phoenix. If you are interested in viewing contact Linda Wieczorek 602.391.8246


ACTIVE - 1606 W CAMPBELL AVE, Phoenix, AZ 85015 $108,500
4525 N 17TH AVE, Phoenix, AZ 85015 $129,500
1588 W CAMPBELL AVE, Phoenix, AZ 85015 $130,00
1554 W CAMPBELL AVE, Phoenix, AZ 85015 $139,900 
Check out the details --> http://goo.gl/7fiFzM  








Homemade Spicy Garlic pickles


Just made Homemade Spicy Garlic pickles - so fresh and have just the right amount of dill, garlic and hot peppers. Looking forward to enjoying along-side a  Smith's   Hotdog's that I just brought back from Erie, PA. smuggled in suitcase wrapped in ice pack..  















Recipe 
3.5 cups of water
1 1/4 cup vinegar distilled white 
1 cup of sugar
1 tbs salt 
1 tbs spoon mustard seed
2 small red chilies 
- enough small cucumbers spears for 2 large canning jars full.
15 garlic cloves peeled and cleaned 
1 bunch of fresh dill 

Stir water, vinegar, sugar, salt mustard seed  together in a saucepan, bring to boil slowly, remove from heat and cool. 

Combine cucumbers spears, garlic and dill in the two large glass jars. poor cooled mixture over cucumbers. Seal container with lid and refrigerate for 3 days . Then Ready to Eat!



Tuesday, July 26, 2016

Central Phoenix House For Sale in the Neighborhood of Red Brick Homes

2402 W Whitton AVE, Phoenix, AZ 85015

$218,000
 Take a look at this Red Brick Beauty, in the neighborhood of Red Brick homes know as SIESTA TERRACE {A MUST SEE). Remolded 3/2 with Diving Pool.House maintains it charm w/ original tile baths,additional 360'sf of living space. NO HOA! UPDATED kitchen w/newer cabinets and granite counters,custom exterior doors, newer roof 4/2011;HVAC 12/2011;back patio roof 4/2012; block fenced back yard with RV gates. Open concept from Living-to-Dining-to-Family Rm provide excellent flow for entertaining and relaxation. Mstr Suite with attached Mstr bathroom rare for a Vintage PHX home!CONVENIENT TO PHOENIX COLLEGE & ENCANTO PARK, minutes from the I-17 I10 , easy commute downtown Phx. Close to shopping,ASU Downtown Campus, Hospitals. This Red Brick neighborhood is stirring w/ Pending Historic Status 

Like to view Call Linda 602.391.8246

















Tuesday, June 14, 2016

How to Create a Pool Maintenance Schedule

Swimming pools provide hours of fun, but they do require a certain amount of attention to keep the water clean. Most maintenance is simply a matter of common sense. Just remember to do the little things on a regular basis to avoid big problems later. Here's a suggested maintenance schedule to help you along the way.
Even if you plan on maintaining the pool yourself, it is a good idea to have a pool service company open the pool at the start of the swimming season or have them do an annual checkup if your pool has been open all year. They will make sure all of the equipment is running correctly, test the water and suggest the treatments you will need to balance the water.

Balanced water means that things like the pH level of the water, the alkalinity, dissolved solids, calcium levels and the like are all within comfortable ranges. Balanced water is crystal clear and has a pleasant feel on the skin. If you do decide to open the pool yourself, at least take a water sample to a pool supply company for testing.
Daily Maintenance
  • Use a long-handle skimmer to remove any floating debris from the pool.
  • Clean out the pool skimmer baskets. When the pool's pump is turned on, it pulls water from the pool into the skimmers and then on to the filtration system. If you have leaves, grass clippings or other debris floating in the pool, chances are that some of it ended up in the skimmer basket.
  • Check the water level. Pools lose water through evaporation and normal splashing and swimming. The water should be above the skimmer level, or you could burn out the pump.
  • For above ground pools that use a daily chlorine tablet for sanitation, add chlorine.
Weekly Maintenance
  • Use a home test kit to test the water for pH and sanitizer, such as chlorine. Follow the manufacturer's instructions, but in general, rinse testing materials with the pool water you are going to test, not tap water. You should also run the circulation system for about 15 minutes before testing the water.
  • Remove debris from the pump basket.
  • Vacuum the pool. You can find vacuums for both in ground and above ground pools. In ground pool owners usually rely on automatic systems, while both automatic and manual systems are available for aboveground pools.
  • Clean off any dirt and scum that may have accumulated at the water line using a brush designed to clean pools. This keeps dirt out of the filtration system and helps to remove algae before it takes hold.
  • Hose down the pool deck.
  • Check the pool's filter. There are three types of pool filters: sand, cartridge and diatomaceous earth (DE), which is fossilized skeletons of plankton. They all require regular maintenance. Basically, they all need to be cleaned when the operating pressure rises about 10 pounds per square inch (psi) above the normal operating pressure. Normal pressure will vary, but usually it is around 9 to 12 psi. The rise in pressure means that dirt is beginning to clog the filter medium. Once you know the regular pressure of your filter, write it on the unit in permanent marker as a reminder.
    • Sand and DE filters need to be backwashed, which means you turn a dial and water runs through the filtering medium backwards. The backwashed water exits through a waste port. Be careful where the water drains, because chlorine in the water can harm any surrounding plants.
    • DE filters tend to be trickier to maintain than sand filters, because you must replace the DE that is lost during backwashing. Follow the filter's manufacturer's instructions carefully.
    • To clean cartridge filters, remove the cartridge and hose it down.
    • If you notice that the filter's pressure is below the normal operating pressure, it means there may be a clog or obstruction somewhere in the line.
Monthly Maintenance
Take a water sample to a pool supply company that does water testing. As mentioned above, the company tests for a wider range of variables than you can at home. It is a good way to make sure that your pool water stays balanced. In many cases, the test is free.
Special Circumstances
The most rigorous maintenance plan can be upended by a few days of heavy rain or a heavier-than- normal bathing load. In those cases, the water will contain a large amount of organic matter that throws the water balance out of whack. To set things right, you will need to "shock," or superchlorinate, the water. Some experts believe that weekly shock treatments are necessary, which may be true for pools that get a lot of use, but in general the frequency will depend on the bathing load. If you are unsure, have the water tested and ask for advice at the pool supply company.
If you do add shock chemicals, be sure to read the instructions carefully. With many shocks, you should stay out of the water for 12 to 24 hours to give the chlorine levels time to return to normal.
Closing the Pool
As mentioned above, even if you plan on performing the maintenance yourself, it is a good idea to have a professional pool service open and close the pool. A pool closing involves these steps:
  • Give the pool a final cleaning and shock the water one last time.
  • Lower the water level to about 18 in. below the skimmer. Don't empty the pool entirely - the freezing and thawing of the ground around the pool exerts pressure on the sides of the pool, and water helps equalize that pressure.
  • Drain all of the piping. Follow the pump, filter and heater manufacturers' recommendations for closing down the equipment.
  • Cover the pool. All covers will keep debris out of the water. A safety cover that meets specific requirements can support the weight of a child to prevent accidental drowning. It is also a good idea to check the condition of gates and fences that surround the pool to make sure they are in proper repair.
If your pool maintenance routine is vigorous and well-planned, you'll reap the rewards all season long. To read more about pool safety, you can view AHS's Pool Safety Guide here.
Written by Fran J. Donegan on Monday, 13 June 2016 1:30 pm

Tuesday, May 17, 2016

Want your Phoenix Home Sold by Summer?


I think it's time to Sell!
 
I think it's time to Sell!   
 
The months of March, April, May and June is always a peak time for Phoenix the Valley of the Sun's Real estate sales, and this year even stronger. Interest is High and Inventory is Low. The demand and prices are high. Like many Phoenix home owners you may be thinking, it looks like now may be a good time to sell your Phoenix home and indeed it is.

Typical sale timeline:
A. Select a Realtor (1 week)
B. Shine up the property (2-4 weeks)
C. Valuation, contract, photography (1 week)
D. market time (3-6 weeks)
FOR Sale
E. Escrow (4-5 weeks)

So if you are a Phoenix home seller hoping to capitalize on this strong spring market, the bad news is that you’re out of luck. But if you start today, you can get the house in front of our very busy July crowds, enjoy one more summer in your Phoenix home, and have it completely sold before you put the turkey in the oven! 

Arizona Elite Properties
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