Thank you again to Amber Harrold of Camelbackpackers Hostel. Amber and her family put out an incredible spread for us, including local craft beer, wine and even camel-shaped cookies. If she went to those lengths for us, you can feel good recommending your friends to say at CamelbackPackers Hostel when they come through town.

As we roll in to the cooler weather we start to think about family and all of the holidays centered on spending time together.

This month, please join us for our first annual Get Your PHX Family Thanksgiving. You’ve all been so supportive of Get Your PHX and Cenpho businesses for so long that you really are part of the family. So, before you head off for your “other” family dinners in late November, please join your Get Your PHX family for one special thanksgiving meal.

Hob Nobs owners Bob and Sharilyn are preparing a very warm reception for us. In addition to their regular, vast menu of goodies, Hob Nobs is offering a Thanksgiving Sandwich special for just $10 -that’s a turkey and cranberry sandwich and a drink. In addition, they are offering a $1.99 craft bottle of beer, to be announced.

Hob Nobs is also organizing for their most popular musical act, DirtMusic, to entertain us for Get Your PHX. This band has travelled around the world to play its mix of alternative blues and bluegrass. You don’t want to miss this.

And, of course, I will be hosting the monthly raffle. Don’t miss out. Your PHX family misses you!

This is part two of my little analysis of what you might want to consider when deciding between a house and a condo. So, let’s get right in to it.

1.      Gated security may be just what you’re looking for right now.

Perhaps you are living alone. Perhaps you like to know that there are people right next door. These are all legitimate concerns that condominiums (at least the good ones) seek to address.

Some questions to consider regarding security at condos:

• How careful is the management company with the common area keys or codes?
• Is the common are well-lit?
• Is the HOA paying for any live security? If so, how much does that impact the monthly assessments?
• When you look at the condo, does it look like the other condo dwellers take security seriously?

2.      Condos are often close to public transportation (the car-free life!)

One of the best things about urban dwelling is that you can leave that car in the garage, or just go without it completely.

Some things to consider when you’re looking for a condo:

• Some condos used to be apartment buildings and the parking may not always protect your car from the sun and weather while you are taking the light rail to work every day.
• The closer your condominium is to public transportation, the more likely that your condo will eventually sell for more.
• If you are thinking of the car-free lifestyle, also consider whether amenities such as groceries, the dry cleaners, and coffee shops are near-by.

3.      Condos maintain all the goodies: pools, landscaping, general maintenance.

 Especially on those hot summer days, it’s a great relief not to have to maintain your own landscaping, or pay somebody else to do it. This is especially helpful if the condo has a pool. Maintaining a pool at a detached residence house can cost thousands every year, and you may not even use it 10% of the time!

Some things to ask yourself before you buy a condominium**:

• Is the current HOA solvent? Do they have enough to properly maintain all of the features they promise when you buy?
• Who manages the property? Many HOA’s pay a management company to take care of details such as landscaping contracts and maintenance.
• How long has that company been working? How many properties do they maintain? What do the current residents think of their work?

** You can have a chance to ask these questions during the inspection period.

 4.      What is an assessment and what is expected of you in an HOA?

An assessment is a monthly fee on every unit in condo that goes in to a pot to pay to keep the place up. If you don’t pay your assessments, the HOA can record a lien against your property. If you have a lien against your property, you can’t finalize the sale of your condo to another person without paying off that lien.

The more units vacant in a condominium, the harder it is for the HOA to pay the bills.

Also, if there are outstanding big projects or maintenance issues on the condominium, or if the HOA board is not wise with its money (your money!), your assessment might go up every month.

Learn what you can about the HOA board, before you purchase a condominium.

5.      What is a CC&R?

CC&R means “Covenants, Conditions, and Restrictions”. It means, basically, that all of the people in a Home Owner’s Association agree that their property came with (and will go with, in the future) certain conditions and restrictions.

In other words, condo owners can’t just do anything they want with their condo.

CC&R’s outline everything from how often the board meets, to what is considered common property.

When you buy a condominium, inspecting the CC&R before your purchase is just as important as inspecting the condo’s wiring!

If you are part of an HOA, read what is expected of you in the CC&R’s. The best way to protect your investment is to stay involved in the HOA.

In a June 5, 2012 letter to Mayor Greg Stanton, Phoenix’s Environmental Quality Commission (EQC) recommended the language for the Solid Waste Collection Ordinance be updated from “The City does not provide” to “The City may provide” waste and recycling services to commercial, industrial and multifamily customers.

“We believe updating this ordinance is congruent with achieving the Environmental Quality Commission’s goal to help city leaders identify environmental issues and advise the City Council on opportunities to protect Phoenix’s natural and urban environment.” ~ Kate Gallego (Chair) and Jessica Catlin (Member)

The most common complaint the EQC hears from Phoenix residents is that they have insufficient access to recycling services. The letter to Mayor Stanton goes on to say:

“Phoenix should have the flexibility to study whether the Public Works Department can meet these customers’ needs by expanding its popular recycling program.”

The EQC letter include goes on to suggest that:

• Allowing Phoenix to explore service options that might result in innovative partnerships with the private sector. This might help expand service and lower rates for solid waste and recycling services.
• An expanded recycling program may help the city simultaneously create a new revenue stream and achieve its diversion goals.
• Removing the barrier to explore this service provision is one significant but simple step Phoenix can take in its efforts to become a more sustainable city.

Why hasn’t Phoenix had a recycle presence in these areas?  

In my quest to answer that question, I found out that obstacles to having recycling bins at multi-family housing units is not the same as reasons some people cite for why it won’t work.

For example, in 2006, The Arizona Republic reported, “Valley cities say they don’t offer recycling to apartments and condos because those residents won’t take advantage of the service. They also fear that contamination (regular garbage mixed with recyclables) would be too high because of the anonymity that shared trash bins offer. They also say there is simply no demand.”

Another interesting tidbit from the article:

Terry Feinberg, president of the Arizona Multihousing Association, said recycling won’t work at apartment complexes because scavengers would rummage through containers. He also said existing dumpster corrals are difficult to enlarge to make room for separate recycling bins.

“Even on new construction, the extra space required can lead to elimination of parking spaces, which can put the property out of zoning compliance,” Feinberg said.

If the state was serious about requiring multihousing to recycle, Feinberg said, officials would offer financial incentives to the industry or allow complexes to retrofit and waive code penalties.

That was in 2006. Where are we now in handling these situations?

“I can’t speak to why Phoenix has not been in the business of recycling in the past, but here is what i do know. Residents and businesses want better service, and other cities across the country have much more robust programs, so there must be a way to meet this need. Changing the language allows our city to explore those possibilities.”

~ Jessica  Catlin, Phoenix Environmental Quality Commision

Now that’s what I’m talking about: Proactive, forward-leaning momentum. Enough talk about change. Be the change. 

—The EQC plays a leadership role on a number of environmental topics, including greener neighborhoods, renewable and solar energy projects, land use policies, air and water quality, sustainable building codes, urban heat island, recycling initiatives, climate action plan goals, the Phoenix General Plan, and other key city efforts.—

My clients are renting a 1,500 square foot townhouse at Portland 38, downtown. It is a great opportunity to live in the heart of the city and still have comforts such as a personal garage, modern appliances and new construction. Check this out!

These townhouses were built in 2007 with a great industrial style and centered around modern living. The spaces are open, fresh and clean. Check out this link to look at the listing. And, of course, give me a call at 602-456-9388 if you have questions.

Christmas has come early! Statistics and Graphs galore! If you’re looking for a home here in Phoenix, here is a trend that you might want to know about.

As a general rule, fewer  people buy houses between October and February. With the beautiful winter weather here in the valley, you would think sales would rise. But, most home buyers move in the late spring and summer in order to change schools. So, what does that mean for real estate agents….other than that we should probably go out and get second jobs waiting tables or pre-stocking for Black Friday?

What does it mean for you? Well, it’s great news if you’re a soon to be home buyer. As you can see by the graphs, sales per month is down between October and February while the monthly supply stays relatively the same. Aren’t graphs amazing?

Continue for more witty comments, below the graphs.

So, follow me here. If the sales per month are down and the inventory stays largely the same that is great for you if you are a buyer. It means that sellers are more desperate to sell. Not only are you going to have a greater selection, you might have an opportunity to negotiate the price!

So, get out into the beautiful weather and buy! If  you have any questions I’d be happy to help, just give me a call 602-456-9388

Its that time of year again! The Local First Fall Festival is on!

(Added extra: this year it actually feels like fall!)

Did you know that Arizona is home to more than one hundred local and organic food providers, over one hundred advertising and marketing agencies, more than two hundred art suppliers and venues, and other great local businesses?

I would not blame you if you didn’t know that. It’s not like you hear about it on our local news. (But that’s a different post.)

Local First Arizona is an organization that supports local businesses around the state. The local first philosophy is driven by the benefits the local business have on the economy and community culture. This weekend LFA will be hosting their seventh annual fall festival. The festival boasts a ton of food from independent eateries and 66 local vendors.

Last year over 6,000 participants joined local businesses for family friendly fair. Musicians and bands and bands from across the state will provide entertainment. There will be local wineries and breweries on site for the adults as well as activities, like rock climbing, for the kids.

But why support local businesses? The simplest answer is it’s socially responsible. As our economy comes back, we need to support our local communities first. By patronizing our local businesses, we are directly supporting our own communities by keeping tax dollars in the state.

Join your fellow locavores this Saturday at The Duck and Decanter, 1651 E Camelback, from 10-4 pm. You can read more about Local First Arizona on their website

This just in from the desk of my friend Jeannie Bolger, of Nova Home Loans:

There were some changes other than weather as of October 1^st this year. For those of your looking to buy a home, there were several mortgage changes effective last Saturday.

For those looking into FHA (Federal Housing Administration) loans the maximum loan has been reduced state wide. As you may recall, in 2008 a temporary boost to Federal Housing Administration-guaranteed loan was passed. That boost expired October 1^st and

In Maricopa County new loan limits are:

Anyone looking into VA Funding has noticed a decrease, sometime more than a full % for purchases, on funding fees.  Across the board these are positive changes, as the VA loan is already perhaps the best loan option available for today’s veterans and active duty service men and women.

Regular Military Funding:

Reserves and National Guard:

Beginning October 1, 2011, USDA Rural Loans have annual mortgage insurance (3%, paid monthly) and reduced the upfront guarantee fee on purchases from 3.5% to 2%. Unlike FHA insured loans, USDA’s annual insurance fee is for the lifetime of the loan, which is definitely something to think about when considering loans.

Loans can be complicated, but they don’t have to be. Contact Jeannie at (602) 385-4812 today for help.

And, of course, give me a call at 602-456-9388 for property questions.

It was nice to see this article in the Arizona Republic yesterday talking about a “rebound” in the condo market in Phoenix.

I don’t know if I would go so far as to call it a rebound. In fact, several of the projects the article talks about are still not sold –they turned in to apartment buildings instead.

However, the article does point out something that I’ve been saying for a while: an increasing number of people want that dense, urban experience. That is why 44 Monroe, for example, filled up with renters so quickly.

So, while you can still get a great condo downtown and in CenPho right now for much, much less than you could in 2006, and while the market for condos has not completely righted itself it is true that the inventory of condos in CenPho has dropped sharply over the past year. They are being gobbled up!

This demand should be an indicator to anybody, whether buying a house or a condo, that urban centers are going to be in great demand once the market stabilizes. If you are holding on to your house to sell later, have hope. If you are thinking about getting in to CenPho, now is a good time because it will be more expensive a year from now.

I’ve made the jump from John Hall to HomeSmart. I’m sure this means nearly nothing to most of you. But I want to explain to you why and what this means.

I chose to work with my former broker, John Hall & Associates, because they were locally owned. Re/Max, Realty Executives, Century 21 –these are all nation-wide broker and really, really big companies.

But, like many of you, I believe that we need to keep our dollars in our local economy. The fees that brokers take from agents could go to some corporate headquarters somewhere in Ohio, or they could stay here and add to our economy. This is why I am a member of Local First Arizona and I support locally-owned businesses.

Well, John Hall sold itself to a company called Realty One Group, out of Nevada. It did not take me long to realize that this was in opposition to what I believe.

I was happy to learn, however, that HomeSmart is locally owned and originates in Arizona. They have well over 1,000 agents and a very effective system for processing transactions.

This means little or nothing to you, the buyer or seller. But I want you to know that, even in decisions like this, I am committed to CenPho and my state.

I appreciate your business.

You’ve heard me ramble on about how great it is to live in Central Phoenix. It’s the truth! CenPho is the place to live and offers residents so much that other cities just don’t offer.

But, check this out. Here’s another reason you should consider moving in to CenPho if you are not already here: a long commute may increase your chances of divorce by 40%. Really.

One recent study in particular conducted by the Umea University in Sweden showed that there was a large increase in the risk of divorce with an increased commute.

OK. I’m being a little facetious. But there is probably some truth here. The two hours you are NOT travelling to and from work you could spend with your main squeeze at the Phoenix Art Museum, or one of the upteen thousand new restaurants downtown.

One thing the study does not mention is the importance of the aesthetic on our lives. Even though Phoenix has torn town waaay too much of its architectural heritage, what’s left still gives people something that the burbs can’t –a sense of space and identity.

A sense of history really brings out the artistic side of people with architecture and individuality when it comes to homes and businesses.

The various cultures and demographics of everyone living in CenPho make it so unique and lively that there is something for everyone. I’m constantly reminded of Richard Florida’s book The Rise of the Creative Class.  Its kinda old news now. Remember when he came to Phoenix in about 2003 to speak and we filled up the Orpheum? Much of what he said has held true, despite the economic downtown

1) If you build an organic (versus top-down) community, the creative class will come.

2) Areas with dense urban centers and creative outlets survive economic downturn better than other areas.

This is true of Phoenix. We saw it ten years ago and we see it today.

I’m just sayin’.