Archive for July, 2009
This is not public knowledge, but if you don’t know…
July 29th, 2009 categories: Phoenix real estate
I wanted to write about it, because I witnessed it again.
A buyer with an excellent credit score received a letter of denial from an underwriter, because he didn’t know about it.
Well, how would you know?
It is about the mattress money. The gift. The money that we have been saving.. just not necessarily in the bank account.
When it comes to home financing, the guidelines are really strict now.When you apply for a loan, and you already have the dream home under contract there must be a certain amount in your bank account- (the amount depends on your future mortgage payment) -and this will be one of the lender’s conditions to underwrite the loan. In most cases it is not the additional money that creates the issue, but WHERE IS CAME FROM AND- what sometimes may be essential- HOW LONG IT HAS BEEN IN YOUR ACCOUNT.
They simple want to make sure there is no money laundering or another investor involved in your home purchase if this is a program that does not allow it. So in order to avoid any problems during the purchase process it is important to prepare for it ahead of time, and talk to a good loan officer few months before a home purchase.
If you need to deposit additional money be ready to document the source, and make sure that it is deposited at least 2 months before applying for a loan, so it is SEASONED.
If it is not- the lender can tell you: come back later.
Than the home you already imagined yourself living in- may be gone.
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What to do if termites are eating your newer home?
July 24th, 2009 categories: Phoenix real estate
We say, that in Arizona every home had, has or will have termites.
Termite treatment usually costs several hundred dollars, however, if you own a home that is maximum 5 years old, there is a chance someone else will cover the expense.
If the home was treated before or during the construction, it will still be under a warranty, and you may simply call the general contractor or contact the State of Arizona Office of Pest Management ( 602-255-3664; 1 800-223-0618 ). They will look up for you who did the treatment originally so you know whom to call.
More information on the website.
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What Is Freedom
July 4th, 2009 categories: Edits, Historic Neighborhoods
I thought for a moment that Freedom is an inborn quality:
Either you live with freedom or not.
Either you cling to things and people or you let them go.
Either you think independently or you follow the crowd.
Either you are a master of your energy or the energy is a master of you.
But now i think that freedom can be learned if this is our priority,
if we have the strong SENSE OF FREEDOM;
or we can become enslaved more and more by people and things and circumstances 
and our thinking narrows down. Some people like to be enslaved. It gives them a feeling they are needed.
I have never met a person who would be totally free.
There is always something somewhere keeping us from enjoying it.
The areas of life where we are not free are the very same places where the obstacles to harmony and happiness are.
It must be a lonely road to total freedom.
perhaps it is a goal impossible to reach.
perhaps we don’t really want total freedom,
Every time we are more free we gave up something else.
If ” freedom is just another word for having nothing to lose”
than being totally free would mean to be dead.
When we are alive we always have something to lose.
Maybe I never met anyone who is totally free because freedom is a process…
We encounter new situations and people every day -
are we free in relation to them or do they control us?
The road to freedom means to me :
letting go of one mind conditioning after another, one after another,
but i am creating also more conditioning in my mind along the way,
and each time it happens, I see that,
but it is so hard to let some of them go,
(those that make me me?)
it seems that i will give up myself if I do,
that I will feel bad- or is it the simple reason that I am not ready?
Freedom is a state of mind. Freedom is relative. But it is never total.
no matter what we do, there is usually a system we are entangled in.
Even if we think we have chosen an alternative route or live unconventional life.
After all don’t we search for more freedom when we think it will make us happier?
Not just for the sake of it?
Joanna Zajusz
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