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	<title>Matt Dunshie &#38; Associates &#187; HAFA</title>
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	<description>Hardest Working, Most Effective RE Group in Phx. &#38; Arizona&#039;s Best Short Sale Group</description>
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		<title>Agritopia:Neighborhood Profile</title>
		<link>http://mattsellsazhomes.com/blog/agritopia-neighborhood-profile/</link>
		<comments>http://mattsellsazhomes.com/blog/agritopia-neighborhood-profile/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 09:12:07 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Neighborhood Profile]]></category>
		<category><![CDATA[Agritopia]]></category>
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		<description><![CDATA[Agritopia:Neighborhood Profile


Agritopia is one of the neatest communities in the valley. It offers homes from 1200-to over 5000sft with casitas and basements. Once a family farm and now a living, breathing community with a farm in the center that provides fresh seasonal foods to its farmer market and two neighborhood restaurants; Joe&#8217;s Farm Grill &#38; [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Agritopia:Neighborhood Profile</strong></p>
<p><strong><br />
</strong></p>
<p><a title="agritopia website" href="http://www.agritopia.com/index.html" target="_blank">Agritopia</a> is one of the neatest communities in the valley. It offers homes from 1200-to over 5000sft with casitas and basements. Once a family farm and now a living, breathing community with a farm in the center that provides fresh seasonal foods to its farmer market and two neighborhood restaurants;<a title="joes farm grill" href="http://www.joesfarmgrill.com/" target="_blank"> Joe&#8217;s Farm Grill</a> &amp; <a title="the coffee shop" href="http://thecoffeeshopatagritopia.com/" target="_blank">The Coffee Shop</a>.</p>
<p>The homes have a very different feel as they are modeled after a more mid-western architecture. They have large front porches, white picket fences &amp; detached garages.</p>
<p>Take a look at the available homes for sale in Agritopia. This list is updated daily, so check back for the most recent listings.</p>
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		<title>Gilbert Basement Home</title>
		<link>http://mattsellsazhomes.com/uncategorized/gilbert-basement-home/</link>
		<comments>http://mattsellsazhomes.com/uncategorized/gilbert-basement-home/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 20:38:38 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
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		<description><![CDATA[http://www.flexmls.com/share/2A9g/691-E-Vermont-DR-Gilbert-AZ-85295﻿



4644098
Residential
Single Family &#8211; Detached
Active

425,000







Address:691 E Vermont DR Gilbert, AZ 85295 5962










# Bedrooms:
4






Cross Street:
Lindsay &#38; Williamsfield


Bldg Number:



Year Built:
2000


Apx Lot Size Range:
10,001 &#8211; 12,500


Taxes:
2,997.16


Tax Year:
2010

















Subdivision:
Jakes Ranch


Marketing Name:
Jake&#8217;s Ranch


Planned Comm Name:
Jake&#8217;s Ranch


Model:



Geo Lat:
33.301859


Geo Lon:
-111.775238











Elementary School:
Spectrum Elementary


Jr. High School:
South Valley


High School:
Mesquite


Out of Area Schl Dst:













***Approved  short sale***GORGEOUS BASEMENT HOME IN AN OUTSTANDING GATED COMMUNITY.  THIS HOME HAS [...]]]></description>
			<content:encoded><![CDATA[<p>http://www.flexmls.com/share/2A9g/691-E-Vermont-DR-Gilbert-AZ-85295﻿</p>
<table>
<tbody>
<tr>
<td>4644098</td>
<td valign="top">Residential</td>
<td>Single Family &#8211; Detached</td>
<td valign="top">Active</td>
<td valign="top"></td>
<td valign="top">425,000</td>
</tr>
</tbody>
</table>
<table>
<tbody>
<tr>
<td rowspan="2"><img id="{{PHOTO:primary}}" src="http://cdn0.photos.flexmls.com/az/20110909213955409255000000.jpg" alt="" width="300" /></td>
<td colspan="2">Address:691 E Vermont DR Gilbert, AZ 85295 5962</td>
</tr>
<tr>
<td>
<table cellspacing="0" cellpadding="2">
<tbody>
<tr>
<td valign="top">
<table cellspacing="0" cellpadding="2">
<tbody>
<tr>
<td valign="top"># Bedrooms:</td>
<td>4</td>
</tr>
<tr>
<td valign="top"></td>
<td></td>
</tr>
<tr>
<td>Cross Street:</td>
<td>Lindsay &amp; Williamsfield</td>
</tr>
<tr>
<td>Bldg Number:</td>
<td></td>
</tr>
<tr>
<td valign="top">Year Built:</td>
<td>2000</td>
</tr>
<tr>
<td valign="top">Apx Lot Size Range:</td>
<td>10,001 &#8211; 12,500</td>
</tr>
<tr>
<td valign="top">Taxes:</td>
<td>2,997.16</td>
</tr>
<tr>
<td valign="top">Tax Year:</td>
<td>2010</td>
</tr>
</tbody>
</table>
</td>
<td></td>
</tr>
</tbody>
</table>
</td>
<td>
<table cellspacing="0" cellpadding="2">
<tbody>
<tr>
<td valign="top">
<table cellspacing="0" cellpadding="2">
<tbody>
<tr>
<td valign="top">Subdivision:</td>
<td>Jakes Ranch</td>
</tr>
<tr>
<td valign="top">Marketing Name:</td>
<td>Jake&#8217;s Ranch</td>
</tr>
<tr>
<td valign="top">Planned Comm Name:</td>
<td>Jake&#8217;s Ranch</td>
</tr>
<tr>
<td valign="top">Model:</td>
<td></td>
</tr>
<tr>
<td>Geo Lat:</td>
<td>33.301859</td>
</tr>
<tr>
<td>Geo Lon:</td>
<td>-111.775238</td>
</tr>
</tbody>
</table>
</td>
<td></td>
</tr>
<tr>
<td valign="top">
<table cellspacing="0" cellpadding="2">
<tbody>
<tr>
<td valign="top">Elementary School:</td>
<td>Spectrum Elementary</td>
</tr>
<tr>
<td valign="top">Jr. High School:</td>
<td>South Valley</td>
</tr>
<tr>
<td valign="top">High School:</td>
<td>Mesquite</td>
</tr>
<tr>
<td>Out of Area Schl Dst:</td>
<td></td>
</tr>
</tbody>
</table>
</td>
<td></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
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<p>***Approved  short sale***GORGEOUS BASEMENT HOME IN AN OUTSTANDING GATED COMMUNITY.  THIS HOME HAS ABSOLUTELY EVERY POSSIBLE AMENITY FROM THE MEDIA ROOM TO  THE INVITING POOL AND SPA. THIS HOUSE IS TRULY AMAZING FROM THE OUTSIDE  IN AND DOES NOT EVEN COMPARE TO THE OTHERS WITH ALL OF THE UPGRADES. YOU  NEED TO SEE FOR YOURSELF, TOO MANY UPGRADES TO LIST. DO NOT LET YOUR  BUYERS MISS OUT ON THIS ONE. THE BEAUTIFUL HOME, NEIGHBORHOOD,COMMUNITY,  IT HAS IT ALL!</p>
<table>
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<table style="height: 18px;" cellspacing="0" cellpadding="2" width="12">
<tbody>
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<td></td>
<td></td>
<td></td>
</tr>
</tbody>
</table>
</td>
<td>
<table style="height: 18px;" cellspacing="0" cellpadding="2" width="113">
<tbody>
<tr>
<td></td>
<td></td>
<td></td>
</tr>
</tbody>
</table>
</td>
<td>
<table style="height: 18px;" cellspacing="0" cellpadding="2" width="46">
<tbody>
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<td></td>
<td></td>
<td></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table>
<tbody>
<tr>
<td>Features</td>
<td>Room Details</td>
<td>Construction &amp; Utilities</td>
<td>County, Tax &amp; Financing</td>
</tr>
<tr>
<td>Approx SQFT: 4,190Approx SqFt Range:   4,001 &#8211; 4,500Source of SqFt:      County AssessorParking Features: RV Gate Horses: N Fireplace: 1 Fireplace; Fireplace Living Rm Exterior Features: Patio; Covered Patio(s)Features: Community Features: Gated Community  Flooring: Carpet; Tile</td>
<td>Unit Style: Special Listing Cond: Previously Aprved SS; Lender Approved SSKitchen Features: Disposal; Dishwasher; Pantry; Kitchen IslandMaster Bathroom: Full Bth Master Bdrm; Separate Shwr &amp; Tub; Double Sinks Laundry: Wshr/Dry HookUp OnlyDining Area: Formal; Eat-in Kitchen; Breakfast BarOther Rooms: Family Room; Great Room; Den/Office; Basement; Bonus/Game Room; Media Room Energy/Green Feature: Sunscreen(s); Multi-Pane Wndws; Multi-ZonesMiscellaneous: Pool &#8211; Private: Pool &#8211; Private: Spa &#8211; Private</td>
<td>Const &#8211; Finish: Painted; StuccoConstruction: Frame &#8211; Wood Roofing: All TileFencing: BlockCooling: RefrigerationHeating: Gas HeatUtilities: SRP; SW GasWater: City WaterSewer: Sewer &#8211; PublicServices: City ServicesTechnology: Cable TV Avail; HighSpd Intrnt Aval</td>
<td>County Code: MaricopaLegal Subdivision: AN: 304-44-075Lot Number: 33Town-Range-Section: &#8211;Cty Bk&amp;Pg: Plat: Taxes/Yr: $2,997.16/2010Tax Municipality: Maricopa &#8211; COUNTYNew Financing: Cash; Conventional</td>
</tr>
</tbody>
</table>
]]></content:encoded>
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		</item>
		<item>
		<title>Classic Lehi home in N.E Mesa</title>
		<link>http://mattsellsazhomes.com/blog/classic-lehi-home-in-n-e-mesa/</link>
		<comments>http://mattsellsazhomes.com/blog/classic-lehi-home-in-n-e-mesa/#comments</comments>
		<pubDate>Tue, 16 Aug 2011 21:28:45 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
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		<description><![CDATA[






4611411
Residential
Single Family &#8211; Detached







Beds/Baths: 5 / 3
SF: 4,300 /  Owner
Year Built: 1987
Pool: Private
EF: 53FRDXPHQAO6G
Approx Lot SqFt: 66,004 /       County Assessor
Apx Lot Size Range:  1 &#8211; 1.9 Acres
Level:  Two Levels
Dwelling Type:         Single Family &#8211; Detached
Subdivision: Country Acres
Tax Municipality: Mesa
Marketing [...]]]></description>
			<content:encoded><![CDATA[<table>
<tbody>
<tr>
<td colspan="2" valign="top">
<table>
<tbody>
<tr>
<td>4611411</td>
<td>Residential</td>
<td>Single Family &#8211; Detached</td>
<td></td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>Beds/Baths: 5 / 3<br />
SF: 4,300 /  Owner</p>
<p>Year Built: 1987<br />
Pool: Private<br />
EF: 53FRDXPHQAO6G<br />
Approx Lot SqFt: 66,004 /       County Assessor<br />
Apx Lot Size Range:  1 &#8211; 1.9 Acres<br />
Level:  Two Levels<br />
Dwelling Type:         Single Family &#8211; Detached</td>
<td>Subdivision: Country Acres<br />
Tax Municipality: Mesa<br />
Marketing Name:<br />
Planned Cmty Name:<br />
Model:<br />
Builder Name: custom<br />
Hun Block: 2600 N<br />
Map Code/Grid: Q39<br />
Bldg Number:</td>
</tr>
<tr>
<td>Ele Sch Dist: 004 &#8211; Mesa Unified District<br />
Elementary School: Lehi<br />
Jr. High School: Stapley</td>
<td>High School Dist #: 004 &#8211; Mesa Unified District<br />
High School: Mountain View</td>
</tr>
</tbody>
</table>
<table cellpadding="2">
<tbody>
<tr>
<td>
<table>
<tbody>
<tr>
<td></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table>
<tbody>
<tr>
<td>Public Remarks:  The Lehi area offers a place to raise your family in a rural setting.  kids can walk to school, play endlessly on your nearly 2 acres of land.  Its a small community that has kept its small town way of life but still  just 20 min from airports. Setup incl. a 6 horse lighted stall,grain  feeder,hay storage,pasture.Home features 5 large bedrooms, 3  bathrooms,library,office/loft.Updated kitchen w/large pantry. New  travertine floors.Downstairs master suite offers a sitting room  w/fireplace,remodeled bathroom w/jetted tub &amp; sauna. outdoor kitchen  for poolside entertaining. Detached RV Garage for all of your toys and  equestrian gear, could be used as guest house too.</td>
</tr>
</tbody>
</table>
]]></content:encoded>
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		<title>Ocotillo Landing</title>
		<link>http://mattsellsazhomes.com/blog/ocotillo-landing/</link>
		<comments>http://mattsellsazhomes.com/blog/ocotillo-landing/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 21:53:11 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
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		<description><![CDATA[One of the best locations in Queen Creek (Maricopa county). Ocotillo Landing is located right in the new Ellsworth loop shopping area called the Queen Creek Market Place(http://bit.ly/qcmktpl). Walking distance from parks, schools, shopping, Restaurants etc. This home features 3 bedrooms 2 baths in a split floorplan. A nice kitchen and breakfast room that opens [...]]]></description>
			<content:encoded><![CDATA[<p>One of the best locations in Queen Creek (Maricopa county). Ocotillo Landing is located right in the new Ellsworth loop shopping area called the Queen Creek Market Place(http://bit.ly/qcmktpl). Walking distance from parks, schools, shopping, Restaurants etc. This home features 3 bedrooms 2 baths in a split floorplan. A nice kitchen and breakfast room that opens into the great room. Nice size yard for entertaining, and large park just houses away for serious playtime. This house is nicely decorated and doesn&#8217;t need any work. Just move-in.</p>
<p>Priced at $90,000.00</p>
<p>DATA:</p>
<table>
<tbody>
<tr>
<td colspan="2" valign="top">
<table>
<tbody>
<tr>
<td>4453642</td>
<td valign="top">Residential</td>
<td>Single Family &#8211; Detached</td>
<td valign="top">Active</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td>Beds/Baths: 3 / 2<br />
SF: 1,165 /      County Assessor</p>
<p>Year Built: 2007<br />
Pool: None<br />
EF: 32R2G<br />
Approx Lot SqFt: 4,200 /       County Assessor<br />
Apx Lot Size Range:      1 &#8211; 7,500<br />
Level:   Single Level<br />
Dwelling Type:         Single Family &#8211; Detached</td>
<td>Subdivision: OCOTILLO LANDING<br />
Tax Municipality: Queen Creek<br />
Marketing Name: OCOTILLO LANDING<br />
Planned Cmty Name: OCOTILLO LANDING<br />
Model:<br />
Builder Name: maracay<br />
Hun Block: 22500 S<br />
Map Code/Grid: V43<br />
Bldg Number:</td>
</tr>
<tr>
<td>Ele Sch Dist: 095 &#8211; Queen Creek Unified District<br />
Elementary School: Frances Brandon-Pickett<br />
Jr. High School: Queen Creek Middle</td>
<td>High School Dist #: 095 &#8211; Queen Creek Unified District<br />
High School: Queen Creek High</td>
</tr>
</tbody>
</table>

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		<title>Summer Move</title>
		<link>http://mattsellsazhomes.com/blog/summer-move/</link>
		<comments>http://mattsellsazhomes.com/blog/summer-move/#comments</comments>
		<pubDate>Mon, 14 Jun 2010 23:54:23 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
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		<description><![CDATA[2517 E Fountain ST Mesa, AZ 85213 $135,000
MLS# 4398934   Beds/Baths: 3 / 2 SF: 1,589 / County Assessor  Year Built: 1974 Pool: Private EF: 32FRDXP2G Approx Lot SqFt: 9,317 / County Assessor Apx Lot Size Range: 7,501 &#8211; 10,000 Level: Single Level Dwelling Type: Single Family &#8211; Detached  Subdivision: Brownmore Estates
Tax Municipality: [...]]]></description>
			<content:encoded><![CDATA[<p>2517 E Fountain ST Mesa, AZ 85213 $135,000</p>
<p>MLS# 4398934   Beds/Baths: 3 / 2 SF: 1,589 / County Assessor  Year Built: 1974 Pool: Private EF: 32FRDXP2G Approx Lot SqFt: 9,317 / County Assessor Apx Lot Size Range: 7,501 &#8211; 10,000 Level: Single Level Dwelling Type: Single Family &#8211; Detached  Subdivision: Brownmore Estates</p>
<p>Tax Municipality: Mesa</p>
<p>Ele Sch Dist: 004 &#8211; Mesa Unified District Elementary School: Field<br />
Jr. High School: Poston<br />
High School Dist #: 004 &#8211; Mesa Unified District High School: Mountain View</p>
<p>Remarks: Great Mesa family home. Walking distance to Top rated schools (Poston/Mtn View). Home was just painted and is move in ready. 3 large bedrooms, 2 full baths. fireplace in family room. Huge lot with big front and backyards. Backyard has a large pool, garden and grassy area. Also has a private den/bonus room with outside entry. No HOA</p>

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		<title>Goodyear Arizona</title>
		<link>http://mattsellsazhomes.com/blog/goodyear-arizona/</link>
		<comments>http://mattsellsazhomes.com/blog/goodyear-arizona/#comments</comments>
		<pubDate>Mon, 14 Jun 2010 21:41:10 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[video blog (vlog)]]></category>
		<category><![CDATA[arizona's best short sale Realtor]]></category>
		<category><![CDATA[free short sale help]]></category>
		<category><![CDATA[goodyear homes]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[homes affordable foreclosure alternatives]]></category>
		<category><![CDATA[keller williams realty]]></category>
		<category><![CDATA[matt dunshie realtor]]></category>
		<category><![CDATA[short sale my home]]></category>
		<category><![CDATA[The Dave Ramsey Show]]></category>

		<guid isPermaLink="false">http://mattsellsazhomes.com/?p=523</guid>
		<description><![CDATA[mls# 4405630
Beds/Baths: 4 / 2.5
SF: 2,493 / County Assessor
Year Built: 1996
Pool: Private
EF: 42.5FRDXP2.5G
Approx Lot SqFt: 6,478 / County Assessor
Apx Lot Size Range: 1 &#8211; 7,500
Level: Two Levels
Dwelling Type: Single Family &#8211; Detached
Subdivision: Palm Valley Phase 1
Tax Municipality: Goodyear
Marketing Name: Palm Valley
Planned Cmty Name: Palm Valley
Model:
Builder Name: Diamond Key
Hun Block: 2275 N
Map Code/Grid: P29
Bldg Number:
Ele Sch [...]]]></description>
			<content:encoded><![CDATA[<p>mls# 4405630</p>
<p>Beds/Baths: 4 / 2.5<br />
SF: 2,493 / County Assessor</p>
<p>Year Built: 1996<br />
Pool: Private<br />
EF: 42.5FRDXP2.5G<br />
Approx Lot SqFt: 6,478 / County Assessor<br />
Apx Lot Size Range: 1 &#8211; 7,500<br />
Level: Two Levels<br />
Dwelling Type: Single Family &#8211; Detached<br />
Subdivision: Palm Valley Phase 1<br />
Tax Municipality: Goodyear<br />
Marketing Name: Palm Valley<br />
Planned Cmty Name: Palm Valley<br />
Model:<br />
Builder Name: Diamond Key<br />
Hun Block: 2275 N<br />
Map Code/Grid: P29<br />
Bldg Number:<br />
Ele Sch Dist: 079 &#8211; Litchfield Elementary District<br />
Elementary School: Palm Valley<br />
Jr. High School: Western Sky High School Dist #: 216 &#8211; Agua Fria Union High School District<br />
High School: Millennium</p>
<p>Remarks: Excellent location in sought after Palm Valley. Close to golf course, shopping, I10, schools and much more. Well maintained 4 bedroom home. Spacious eat in kitchen with a bay window and large pantry. Brick fireplace in the family room. Master suite features a separate shower &amp; tub and double sinks. Backyard has a sparkling pool, covered patio and mature landscaping.</p>

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		<title>1950&#8217;s Classic Mesa</title>
		<link>http://mattsellsazhomes.com/blog/1950s-classic-mesa/</link>
		<comments>http://mattsellsazhomes.com/blog/1950s-classic-mesa/#comments</comments>
		<pubDate>Sun, 16 May 2010 04:17:48 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Free Short Sale Help]]></category>
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		<category><![CDATA[ELP]]></category>
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		<category><![CDATA[real estate blog]]></category>
		<category><![CDATA[The Dave Ramsey Show]]></category>

		<guid isPermaLink="false">http://mattsellsazhomes.com/?p=493</guid>
		<description><![CDATA[Fantastic home in the heart of old Mesa.
Just two blocks from the Sycamore light rail station (only 30 minutes to downtown with NO TRAFFIC.)
These homes rarely come up for sale so don&#8217;t miss this opportunity. Completely remodeled kitchen in 2009. Custom cabinetry, with lots of storage and new appliances. Wood flooring. Open split-floorplan with a [...]]]></description>
			<content:encoded><![CDATA[<p>Fantastic home in the heart of old Mesa.</p>
<p>Just two blocks from the<a title="lightrail" href="http://bit.ly/b1EdCQ" target="_blank"> Sycamore light rail station</a> (only 30 minutes to downtown with NO TRAFFIC.)</p>
<p>These homes rarely come up for sale so don&#8217;t miss this opportunity. Completely remodeled kitchen in 2009. Custom cabinetry, with lots of storage and new appliances. Wood flooring. Open split-floorplan with a private master bedroom and completely remodeled bathroom with garden tub. 2 large guest bedrooms with walk-in closets. Completely remodeled 2nd guest bathroom. Separate office/den with outside entry. Huge laundry room with storage. Large toy garage/workshop in backyard++ a large storage shed/building. Multiple citrus trees and large shade trees in backyard. Play gym, sand box and large grass play area for kids. All lots in community have irrigation rights too. (only $60.yr to water lawn) This home is move-in ready and a must see.</p>
<p><a title="pepper" href="http://bit.ly/bPHDPF" target="_blank">Property is located at 1258 West Pepper Place Mesa Az 85201</a> (click for listing and photo tour)</p>
<p>Priced at $130,000.00</p>
<p>[listingsearch type="listingids" listingids="4391411"]</p>
]]></content:encoded>
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		<title>Don&#8217;t Foreclose on Your Future</title>
		<link>http://mattsellsazhomes.com/blog/dont-foreclose-on-your-future/</link>
		<comments>http://mattsellsazhomes.com/blog/dont-foreclose-on-your-future/#comments</comments>
		<pubDate>Sat, 01 May 2010 23:01:07 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
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		<category><![CDATA[free short sale help]]></category>
		<category><![CDATA[HAFA]]></category>
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		<category><![CDATA[Home Affordable Modification Program]]></category>
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		<category><![CDATA[short sale my home]]></category>

		<guid isPermaLink="false">http://mattsellsazhomes.com/?p=487</guid>
		<description><![CDATA[Today&#8217;s housing market is facing two big problems: a spike in foreclosures and millions of &#8220;underwater&#8221; mortgages—homes with mortgage balances that are higher than the homes are worth. 
Compounding these issues is the phenomenon of &#8220;strategic&#8221; defaults. That means a homeowner who can pay his mortgage stops because he sees no reason to continue paying [...]]]></description>
			<content:encoded><![CDATA[<p>Today&#8217;s housing market is facing two big problems: a spike in foreclosures and millions of &#8220;underwater&#8221; mortgages—homes with mortgage balances that are higher than the homes are worth. </p>
<p>Compounding these issues is the phenomenon of &#8220;strategic&#8221; defaults. That means a homeowner who can pay his mortgage stops because he sees no reason to continue paying for an asset that is worth less than the debt it carries. </p>
<p>A 2009 study said about 25% of foreclosures are so-called &#8220;strategic&#8221; defaults—that translates to 700,000 of the 2.8 million foreclosures initiated in 2009. </p>
<p>Is Walking Away a Strategy?<br />
Is it possible that many people are so short-sighted about the investment they&#8217;ve made in their homes? </p>
<p>Let&#8217;s say a homeowner bought his home at the peak of the market in 2006 for $220,000, the median home price that year. We&#8217;ll say he put 5% down and got a 30-year mortgage for $209,000. Now, fast-forward to 2009, when the median home price dropped to $173,000. </p>
<p>If this is a fixed-rate mortgage at 6% interest, the balance at the end of 2009 is $198,000. If our homeowner sells, he&#8217;s lost his down payment plus four years of principal and interest payments, a total of $71,144, and he still has to make up the $25,000 difference between the selling price and the balance of the mortgage. </p>
<p>$209,000 (original mortgage amount in 2006) </p>
<p>$198,000 (mortgage balance in 2009)<br />
-$173,000 (home value in 2009)<br />
$25,000 (difference between the 2009 sell price and mortgage balance) </p>
<p>The &#8220;wisdom&#8221; of the strategic default is to take the $71,144 loss and save yourself the $25,000 hit by walking away instead of selling. </p>
<p>Time for a Reality Check<br />
Maybe, in some alternate reality, this is &#8220;wisdom.&#8221; That alternate reality would have to be based on stagnant home values and banks that don&#8217;t come after you for what you owe them. Let&#8217;s try a true reality check: </p>
<p>Reality #1 – Your home is an investment, and any investment—even real estate—will go up and down in value. Walking away from your mortgage now is the equivalent of selling your stock portfolio at the bottom of the market. You guarantee yourself a loss if you don&#8217;t stick with your investment until values come back up. </p>
<p>Reality #2 – Home values will recover. If our homeowner sticks it out and stays in his home, he&#8217;ll be back to even in five years, based on a conservative 5% rate of appreciation. In less than 20 years, his home will have doubled in value. That is wisdom! </p>
<p>Reality #3 – The bank is not letting you off that easily. Lenders are covered up with foreclosures, so while homeowners who walk may not hear from the bank right away, they are by no means off the hook. Some banks will pull credit reports to see who is current on their other payments to determine if a default is &#8220;strategic.&#8221; Banks will go to court to garnish wages or hijack tax refunds—whatever it takes to get what they&#8217;re owed. </p>
<p>If you are truly unable to make your mortgage payments, you still should not walk away. You signed the contract, so you&#8217;re under a moral obligation to pay. If you truly can&#8217;t pay and keep food on the table, then it&#8217;s time to talk with the bank about a possible short sale. </p>
<p>Article from Dave Ramsey. Find out more at www.daveramsey.com</p>
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		<title>Homeowner workshop this weekend</title>
		<link>http://mattsellsazhomes.com/blog/homeowner-workshop-this-weekend/</link>
		<comments>http://mattsellsazhomes.com/blog/homeowner-workshop-this-weekend/#comments</comments>
		<pubDate>Sat, 01 May 2010 02:53:46 +0000</pubDate>
		<dc:creator>MattDunshie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Free Short Sale Help]]></category>
		<category><![CDATA[central christian church]]></category>
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		<category><![CDATA[Home Affordable Modification Program]]></category>
		<category><![CDATA[homeowners workshop]]></category>
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		<category><![CDATA[short sale my home]]></category>

		<guid isPermaLink="false">http://mattsellsazhomes.com/?p=481</guid>
		<description><![CDATA[We will be leading class&#8217; at Central Christian Church in both Gilbert and Mesa May 1/2, 2010. The focus will educating homeowners in this current market and explaining the 2010 changes in loan modification, short sale, deed in lieu, and a Trustee Sale Foreclosure.
I will be speaking from my experiences over the last 3+years of [...]]]></description>
			<content:encoded><![CDATA[<p>We will be leading class&#8217; at <a title="cccev" href="http://http://bit.ly/amKCaC" target="_blank">Central Christian Church</a> in both Gilbert and Mesa May 1/2, 2010. The focus will educating homeowners in this current market and explaining the 2010 changes in loan modification, short sale, deed in lieu, and a Trustee Sale Foreclosure.</p>
<p>I will be speaking from my experiences over the last 3+years of Helping homeowners with loan modifications and short sales. Have you tried to modify your loan in the past only to be declined? Learn how and why the banks do what they do, and how the Govt &amp; insurance companies plays into some of those decisions.</p>
<p>I will also share with you the many positive experiences, and success stories. This is a must attend event, our goal is to help and encourage everyone that attends.</p>
<p>************</p>
<p>here are the details on the class:</p>
<p>Does your current economic situation have you confused and frustrated about what to do with your home?</p>
<p><a title="Register now" href="http://bit.ly/aq2cdb" target="_blank">Register now for this free event</a></p>
<p>Matt Dunshie is a recognized expert in real estate, with particular experience in the areas of short sales and foreclosures. Matt will explain various real estate related issues and answer specific questions to help simplify these complicated topics.</p>
<p>You won&#8217;t want to miss Mortgages, Foreclosures and  Short Sales Uncovered on Saturday, May 1 from 4:30-6 p.m. on the <a title="CCCEV Mesa Campus Directions" href="http://bit.ly/bu1Hoi" target="_blank">Mesa Campus</a> or Sunday, May 2 from 4:30-6 p.m. on the <a title="CCCEV Gilbert location" href="http://bit.ly/bu1Hoi" target="_blank">Gilbert Campus</a>.</p>
<p>This class will cover:</p>
<p>What every homeowner should know about the local real estate market.<br />
What are the different types of sales, whether you are buying or selling.<br />
Homeowner options- loan modifications (HAFA HAMP), short sales, deed in Lieu and foreclosure.<br />
How different types of loans are treated in AZ i.e. Fannie Mae, Freddie Mac, FHA, USDA, HELOC, etc<br />
Let us help you sort your way through these programs and uncover the myths that are out there.</p>
<p>See you there!</p>
<p>Date/Time:	5/1/2010 4:30 PM &#8211; 6:00 PM   <a title="put on calendar" href="http://www.cccev.com/Arena/OutlookCalendarItem.aspx?occurrenceid=24433&amp;profileid=4060" target="_blank">Add To Your Calendar</a><br />
Contact:	Vicki Jensen<br />
480.924.4946<br />
Vicki.Jensen@cccev.com</p>
<p><a title="Register now" href="http://bit.ly/aq2cdb" target="_blank">Register now for this free event</a></p>
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		<title>Help for Homeowners</title>
		<link>http://mattsellsazhomes.com/uncategorized/help-for-homeowners/</link>
		<comments>http://mattsellsazhomes.com/uncategorized/help-for-homeowners/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 18:00:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>
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		<guid isPermaLink="false">http://mattsellsazhomes.com/?p=456</guid>
		<description><![CDATA[We will be leading class&#8217; at Central Christian Church in both Gilbert and Mesa May 1/2, 2010. The focus will educating homeowners in this current market and explaining the 2010 changes in loan modification, short sale, deed in lieu, and a Trustee Sale Foreclosure.
I will be speaking from my experiences over the last 3+years of [...]]]></description>
			<content:encoded><![CDATA[<p>We will be leading class&#8217; at <a title="cccev" href="http://http://bit.ly/amKCaC" target="_blank">Central Christian Church</a> in both Gilbert and Mesa May 1/2, 2010. The focus will educating homeowners in this current market and explaining the 2010 changes in loan modification, short sale, deed in lieu, and a Trustee Sale Foreclosure.</p>
<p>I will be speaking from my experiences over the last 3+years of Helping homeowners with loan modifications and short sales. Have you tried to modify your loan in the past only to be declined? Learn how and why the banks do what they do, and how the Govt &amp; insurance companies plays into some of those decisions.</p>
<p>I will also share with you the many positive experiences, and success stories. This is a must attend event, our goal is to help and encourage everyone that attends.</p>
<p>************</p>
<p>here are the details on the class:</p>
<p>Does your current economic situation have you confused and frustrated about what to do with your home?</p>
<p><a title="Register now" href="http://bit.ly/aq2cdb" target="_blank">Register now for this free event</a></p>
<p>Matt Dunshie is a recognized expert in real estate, with particular experience in the areas of short sales and foreclosures. Matt will explain various real estate related issues and answer specific questions to help simplify these complicated topics.</p>
<p>You won&#8217;t want to miss Mortgages, Foreclosures and  Short Sales Uncovered on Saturday, May 1 from 4:30-6 p.m. on the <a title="CCCEV Mesa Campus Directions" href="http://bit.ly/bu1Hoi" target="_blank">Mesa Campus</a> or Sunday, May 2 from 4:30-6 p.m. on the <a title="CCCEV Gilbert location" href="http://bit.ly/bu1Hoi" target="_blank">Gilbert Campus</a>.</p>
<p>This class will cover:</p>
<p>What every homeowner should know about the local real estate market.<br />
What are the different types of sales, whether you are buying or selling.<br />
Homeowner options- loan modifications (HAFA HAMP), short sales, deed in Lieu and foreclosure.<br />
How different types of loans are treated in AZ i.e. Fannie Mae, Freddie Mac, FHA, USDA, HELOC, etc<br />
Let us help you sort your way through these programs and uncover the myths that are out there.</p>
<p>See you there!</p>
<p>Date/Time:	5/1/2010 4:30 PM &#8211; 6:00 PM   <a title="put on calendar" href="http://www.cccev.com/Arena/OutlookCalendarItem.aspx?occurrenceid=24433&amp;profileid=4060" target="_blank">Add To Your Calendar</a><br />
Contact:	Vicki Jensen<br />
480.924.4946<br />
Vicki.Jensen@cccev.com</p>
<p><a title="Register now" href="http://bit.ly/aq2cdb" target="_blank">Register now for this free event</a></p>
]]></content:encoded>
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