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Real Estate in Arizona

Guest Post: When Can I Buy a Home Again

by Chris Adams on January 16, 2012

If you have gone through or are considering going through a foreclosure, short sale, or bankruptcy, NOW is the time to start getting your credit back in order. Although it seems like a long time away, there are steps to take in preparation for your next home.

Buy Home After Bankruptcy (Chapter 7)

How long will you have to wait on buying a home after filing for Chapter 7? It depends on the loan type and other factors, with ranges between 2-years and 4-years from the discharge date.

  • Fannie Mae: 4 years from Discharge Date
  • FHA: 2 years from Discharge Date
  • VA: 2 years from Discharge Date
  • USDA Rural: 3 years from Discharge Date

Buy Home After Bankruptcy (Chapter 13)

How long will you have to wait on buying a home after filing for Chapter 13? It ranges between 1-year and 4-years depending on the loan type.

  • Fannie Mae: 2 years from Discharge Date (4 years from Dismissal)
  • FHA: 1 year of the payout must elapse & payment performance must be satisfactory. Buyer must receive permission from the court to enter into a mortgage.
  • VA: 1 year of the payout must elapse & payment performance must be satisfactory. Buyer must receive permission from the court to enter into a mortgage.
  • USDA Rural: 1 year from completion

Buy Home After Foreclosure

How long will you have to wait on buying a home after a foreclosure on your previous home? It depends on the loan type and ranges between 2-years and 7-years from the Trust Deed date.

  • Fannie Mae: 7 years from Trust Deed date
  • FHA: 3 years from Trust Deed date
  • VA: 2 years from Trust Deed date
  • USDA Rural: 3 years from Trust Deed date

Buy Home After Short Sale

How long will you have to wait on buying a home after a short sale on your previous house? It depends on the loan type and other factors, with ranges between 0-days and 7-years.

  • Fannie Mae (w/ a max of 80% LTV): 2 years
  • Fannie Mae (w/ a max of 90% LTV): 4 years
  • Fannie Mae (w/ max LTV): 7 years
  • FHA: 3 years from completion date (can re-enter market if short sale is sold with NO mortgage delinquencies)
  • VA: 2 years from Trust Deed date (can immediately re-enter market if short sale is sold with NO mortgage delinquencies)
  • USDA Rural: 3 years from completion date

Click here to download the printable PDF

Guest author: Jon Tobias of the Tobias Team @ Nova Home Loans.

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HOA Information And Fees for Mesa, Arizona (A-E)

by Michelle Trimmell on January 10, 2012

Hope everyone had a Happy New Year celebration. This week, I’m providing a list of Homeowner Associations with contact information and fees for Mesa, Arizona:

Adobe Estates HOA

City Property Management
4645 E. Cotton Gin Loop
Phoenix, Arizona 85040
Phone: (602) 437-4777
Fee: $118.26, Quarterly

Alta Mesa HOA

Jomar Association Services
1514 W. Todd Drive, Suite B-103
Tempe, AZ 85283-4846
Phone: (480) 892-5222
Fee: $109.00, Semi-Annually

Amberly Lane HOA

Brown Community Management
7255 E. Hampton Ave. #101
Mesa, AZ 85209
Phone: 480-539-1396
Fee: $89.00, Monthly

Barrington Estates HOA

PMG Services
2345 S. Alma School Road, Suite 210
Mesa, AZ 85210
Phone: 480.829.7400
Fee: $60.00, Monthly

Bella Via HOA

Associated Asset Management
7740 N. 16th Street, Ste 300
Phoenix, AZ 85020
Phone: (602) 957-9191
Fee: $72, Monthly

Crismon Creek HOA

PMG Services
2345 S. Alma School Road, Suite 210
Mesa, AZ 85210
Phone: 480.829.7400
Fee: $39.00, Monthly

Dana Ranch HOA

Planned Development Services
8765 W. Kelton Ln., Bldg A1, Suite 102
Peoria, AZ 85382
Fee: $110, Monthly

Dreamland Villa HOA

Dreamland Villa Community Club Office & Reed Hall
320 N. 55 Pl.
Mesa, AZ 85205-8108
Phone: (480) 832-3461
Fee: $115, Monthly

East Ridge HOA

Gerson Realty & Management Company
40 West Baseline #104
Tempe, AZ 85283
Phone: (480) 921-3332
Fee: $37, Monthly

Estates at Desert Shadows HOA

City Property Management Company
4645 E. Cotton Gin Loop
Phoenix, Arizona 85040
Phone: (602) 437-4777
Fee: $91.00, Monthly

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HOA Information and Fees for Tempe, Arizona (A-Z)

January 2, 2012

Alisanos Community HOA Lepin & Renehan Management PO Box 11330 Tempe, AZ 85284 Phone: (480) 345-0046 Fee:  Monthly, $130.00 Circle G Ranches HOA Kinney Management Services 6303 S. Rural Rd. Tempe, Arizona 85283 Phone: (480) 820-3451 Fee:  Quarterly, $186.00 Coventry Tempe Neighborhood HOA Associated Asset Management 7740 N. 16th Street Suite 300 Phoenix, AZ 85020 [...]

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Guest Post: Finding Quality Day Care In Your Hometown

December 26, 2011

Parents who want their children to have the highest quality preschool available should search for a school that balances emotional and social development with academics. The National Scientific Council on the Developing Child has reported that the quality of a child’s early childhood education is directly related to their long-term success in school and life.  [...]

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10 Final HOAs for Gilbert, Arizona (J-Z)

December 20, 2011

As a conclusion to last week’s post, here are the final 10 homeowner associations for Gilbert, Arizona (J-Z) and their corresponding information. Jakes Ranch HOA Brown Property Management 625 North Gilbert Road, Suite 101 Gilbert, AZ 85234 Phone: (480) 539-1396 Fee:  $118.00 Monthly La Aldea HOA Associated Asset Management 7740 N. 16th Street, Suite 300 [...]

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9 More HOAs for Gilbert, Arizona (E-H)

December 13, 2011

Here are 9 more listings of Homeowner’s Associations for Gilbert, Arizona as promised! See the first 15 (A-C) here. El Dorado Lakes HOA PMG Services 2345 S. Alma School Road, Suite 210 Mesa, AZ 85210 Phone: 480-829-7400 Fee:  $90.00 Quarterly Estates at the Spectrum HOA AAM, LLC 7740 N. 16th Street Suite 300 Phoenix, AZ [...]

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Guest: Steps to Investing In Real Estate in Arizona

December 6, 2011

Arizona is a state rich in natural resources and abundant scenic settings. It is home to numerous educational institutions, company headquarters and a diverse culture that flock to the larger cities of Phoenix, Tucson and Tempe as well as the smaller towns like Avondale and Scottsdale. Real estate here is just as diverse as the [...]

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10 Things To Do Within 10 Minutes Of Estrella Mountain Ranch

November 28, 2011

As the residents of Estrella Mountain Ranch themselves put it, “We’ve all come from different places and discovered something special here in the Sonoran Desert.  As we make our way up the hill along Estrella Parkway and approach two beautiful lakes and the scenic golf course framed by the Sierra Estrella Mountains, we know we’re [...]

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HOA Information For Gilbert, Arizona Communities (A-C)

November 23, 2011

As promised, I will continue to share HOA information throughout the valley.  Here is HOA information for 15 communities in Gilbert, Arizona. Agritopia HOA Associated Asset Management Phone: (602) 957-9191 Website: http://www.AssociatedAsset.com Fee:  $370.45 Quarterly Allen Ranch HOA Kinney Management Phone: (480) 820-3451 Website: http://www.kinneymanagement.com Fee:  $60.00 Monthly Artemina HOA Lepin & Renehan Management Phone: [...]

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HOA Information For Avondale, Arizona Communities

November 15, 2011

Sometimes, finding HOA information can be an arduous task.  I thought for the next number of weeks, I’d do some lists by city for a quick, easy reference.  Why not start alphabetically with Avondale?    Heck, I’ll even tell you when and where the HOA meetings are for that community where available! Cambridge Estates HOA [...]

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