EVENT CALENDAR, RECIPES LET’S TALK FEATURED LISTINGS .

LET’S TALK.AUDRA FARNSWORTHLET’S TALK.EVENT CALENDAR, RECIPES& HOUSING TIPSINSIDEA QUARTERLY NEWSLETTERFROM YOUR COMMUNITY REALTORSA QUARTERLY NEWSLETTERA U REPRESENTATIVED R A F ASPECIALISTR N SFROMW O RYOURT H COMMUNITY& P A U L A REALTORSTEARSBUYERA U D R A FA R N S W O R T HREALTOR R E A LTO R drafarnsworth.com928710.7947PA U L AEstate Agent,at work hard for you.Let us guideF I R S Tperienceyou through then staffreal estate process!BUYINGA HOUSErapher on staffSTEARSQ U A R T E R2 0 1 6FEWER BUYERS TO COMPETE WITHThe most obvious plus is exactlybecause real estate wisdom says toet and willget youIt isn’t the worst thing that can happen. shop spring and summer. As a resultare buyingor selling.In fact,here are some advantages of this popular piece of real estatethat show how you could benefit from advice, there will be fewer be fewerker for FREE:house hunting in the winter.buyers in competition during thewinter months. It’s simple economicsR www.PaulaStears.comPAU LA STEARS- the low demand will work in yourREALTOR favor. So for the investor looking toSELLER REPRE SENTATIVE SPECIALISTswoop for a good deal in the housemarket, the winter can be prime time.Ready to sell?sellers are forced to sell duringthe winter. Perhaps a job offer hasdictated a winter move, or the sellermay have personal issues that aredictating his/her actions - financialwoes, divorce, etc. Again, this maywork to the buyer’s advantage for theseller will be motivated.PRICES WILL BE LOWERWhen you have fewer buyers in themarket, supply exceeds demand.This ususally results in prices willbeing lower than during the hotseason.Another reason that winter can besuch a buyer’s market for real estateis that the fewer number of buyerscompetting for homes means thatthe chances of there being multipleoffers on a single property are greatlyreduced. This again translates tobuyers having the upper hand oversellers in negotiations.IN THE WINTERYOUR home!Is It Time?928710.0845Downsize?Relocate?AUDRA FARNSWORTHBuild your own home?A U D R A FA R N S W O R T HREALTOR BUYERREPRESENTATIVESPECIALISTR E A LTORBuyyourfirst home? se investmentwww.audrafarnsworth.comEQUAL HOUSINGOPPORTUNITY928710.7947property?Let me guideLet us guideyouthroughperienceyouthroughthen staffrealtheestateprocess!process!Estate Agent,at work hard for you.rapher on staffet and will get youare buying or selling.ker for FREE:R www.PaulaStears.comPAU LALA STEARSS TEAR SPAUR EA LTOR REALTORSELLER R EPR ESENTATIVE SPECIALISTSELLER REPRE SENTATIVE SPECIALIST928928710.0845SELLERS WILL BE MOTIVATEDAll the low activity in the winter willresult in sellers being far moremotivated to sell. Real estate agentsknow that the slow winter monthsare when sellers are more willingto negotiate, whether it is on sellingprice, closing costs, closing date oreven terms of the sale, including whathousehold appliances and items areincluded in the sale.FEWER CHANCES THAT THEREWILL BE MULTIPLE OFFERS ONTHE HOUSE YOU WANTSo brave the cold, pull on a wintercoat, and get out there and househunt. Remember that in the UnitedStates, it is still a great time to investin real estate.SEARCH FOR FREE atwww.PaulaStears.comAnd these are all the very reasons thatmany real estate agents recommendthat their clients delay listing theirhomes till at least the spring. Thewinter is not a great time for sellers,in general.Furthermore,therearethecircumstances hinted at above whenEQUAL HOUSINGOPPORTUNITYwww.PAULASTEARS.comEQUAL HOUSINGOPPORTUNITY

LET’S TALK.PREPARING YOUR HOME FOR APROPERTY APPRAISALBy Sandi ColletteLicensed Mortgage ProfessionalHomeowners Financial GroupYou’ve sold your home. Or, you are thinking ofrefinancing your current mortgage.One of the things that the lender will require is a propertyappraisal. While the actual appraisal inspection maketake only an hour or two, the appraiser must go back tothe office, do the research and write a 10- to 12-pagereport.SR. MORTGAGE CONSULTANTEQUAL HOUSINGLENDERbk#0906222nmls#269506Direct: (928) 227-1253Phone: (928) 710-6329Fax: (480) 223-6424Email: sandi@homeownersfg.comWebsite: www.SandiCollette.comPRESCOTT140 N. Montezuma St., Ste. 100, Prescott, AZ 86301SCOTTSDALE16427 N. Scottsdale Rd., Ste. 280, Scottsdale, AZ 85264Here are some tips to help the appraiser with additionalinformation — and in most instances a faster turnaround time to complete the report. Compile a list of recent improvements. If possibleinclude “before and after” pictures, copies of paidreceipts for work completed. If major updateswere made, provide a detailed copy of the bidfrom the contractor.Make sure all areas are accessible, including theattic, basement and crawl spaces. This includesthe garage.If the home is part of a homeowner’s association,include a copy of the fees paid, and the nameand phone number of the association presidentor executive director.Straighten up each room. Appraisers are requiredto photograph each room, and while it may notmake a difference to them if the room is messy,there may be an underwriter who is less objective.If there are any unfinished projects, make surethey are completed before the inspection.If there are any easements, encroachmentsor unusual deed restrictions, you may want toprovide a copy of the list.A little help from you goes a long way to make sure thatthe appraisal report is complete and accurate.FIVE TIPS FOR SELLING YOUR HOME IN A HURRYThere are a lot of factors that willdetermine how quickly your house issold, and it’s important to tackle thefactors you can control. If you’re stillliving in your home while trying to sellit, these are a few simple ideas that canhelp speed up the home sale process.2. Offer an incentive: Don’t breakthe bank for add-ons that don’tmake financial sense in the longrun, but there are some reasonableexpenses you can use to enticebuyers, such as offering a homewarranty.1. De-clutter: Buyers want to stepinto a prospective home andimagine the possibilities. That’s alot easier to do when a space isairy and clutter-free. Get rid of theclutter that’s just taking up spacein your home, and it can totallytransform how a buyer sees theproperty.3. Focus on flow: Now that you’reworking toward a new home, it’simportant to position your furniturefor easy movement throughthe space, rather than how youpersonally like it arranged. Positionyour furniture so that it’s natural toflow from one room to the next.PAGE 24. Take care of your to-do list:There’s probably a list of smallrepairs that you’ve been puttingoff for a while, like fixing a drippingfaucet or touching up paint onsome walls. Make those repairsso that the home is more move-inready for buyers.5. Commit to cleanliness: Just likeremoving clutter, keeping yourplace clean can go a long waytoward appealing to buyers. It’sespecially true in the kitchen—nodishes in the sink or coffee rings onthe countertops!

w w w. P A U L ABIGGEST WINTER HOME RISKSBy James Harvey AgencyAmerican Family InsuranceThe winter season is a prime time for house fires.Half of all destructive fires tend to occur in December,January, and February, according to the National FireProtection Association.But most home fires are preventable. Here are someleading culprits to watch for:Space heaters. These devices are the leading causeof house fires in the winter. Make sure the heater is atleast three feet away from anything flammable. Plug itdirectly into the outlet, not an extension cord. And donot go to bed with the spacer heater still on, expertswarn. “Most space heater accidents happen whileeveryone is sleeping,” says Peter Duncanson, directorof disaster restoration training for ServiceMaster.Cooking. The leading

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