PRESCOTT ARIZONA - PRESCOTT FINE Homes and Real Estate For Sale


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ATTENTION HOME BUYERS, SELLERS & INVESTORS
Prices are almost 50% lower than at the peak and mortgage rates are excellent!!
We know where to find values in Short Sales and Foreclosed Properties!!
If you don't know our Area, use our knowledge and experience to avoid costly mistakes.
Call us 928-442-2123

Mortgage rates climb for 3rd week
Buyers & Investors

Bank Owned, Short Sale Properties or well priced Normal Sales
We can guide you to the best values on Bank Owned properties & negotiate a successful closing! MANY BANK HOMES ARE PRICED HIGH to actual MARKET VALUE. We will show you the true market value and negotiate accordingly with the BANK.
Don't try this yourself because you will pay more than you need to pay!!
We can help you find the best resale values (Homes or Land) by using our system which combines days on market, recent sales, location issues and condition of home.
WE KNOW HOW TO GET THE CURRENT MARKET VALUE OF A PROPERTY.
As your representative, we will write a solid contract to protect your interests and refer you to competent Mortgage Sources and Building Inspectors..
FANNIE MAE BRINGING DOWN THE HAMMER ON STRATEGIC DEFAULTS
Fannie Mae announced today that they will make people who can make their payments and who do a strategic default will make them wait seven years before they are eligible for a Fannie Mae loan. It is estimated that there are 11 million homes acros America who are under water. That means the home owner owes more on the mortgage than the current market value of the home. We are facing the worst real estate bubble in the history of this county. There were predictions that we could have up to 21 million households upside down in their house in three years. I believe Fannie Mae is taking an early position to make people think twice before they perform a strategic default.
DEFINITION OF A STRATEGIC DEFAULT
This is when a home owner is walking away from their mortgage that they could pay but have decided not to because they owe more than their house is were worth at the current time. Home owners are not seeing any hope. So, their ideal suggestion is to give up and start all over.
Furthermore, Fannie Mae stated that they will pursue deficiency judgments in states that allow this by law. Call 480-529-7049 or email mdougherty8@cox.net us to learn about Arizona Deficiency Laws!

Sellers - Loan Modifications or a Short Sale
Don’t let your home go into Foreclosure & don’t agree to give your lender your Deed In-Lieu of Foreclosure!
Both are major “equal hits” to your credit!
Don’t pay money to scammers to do your Loan Modification – I will show you how to do it yourself,
no charge!
If you can no longer afford your home, I will show you the benefits of doing a Short Sale where your Lender takes less than is owed on the mortgage and they will not come after you for their loss! You can then move on without the burden of a mortgage and begin to rebuild.
A Short Sale bruises your credit; it doesn’t destroy it like a Foreclosure or Deed-In Lieu!
You pay nothing - the Lender pays ALL COSTS!
I close 85% of my Short Sales while most agents only have a 10% success rate.
Call me to discuss all of your options!
Michael Dougherty, GRI, e-Pro,
Certified Negotiation Expert
HomeSmart Fine Homes and Land
Broker/Owner & Short Sale Expert
928-442-2123
Mdougherty8@cox.net

Michael Dougherty is a Certified Negotiation Expert, CNE

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Michael Dougherty, GRI , e-PRO, CNE is the Past President (2008) for the Prescott Area Association of Realtors with approximately 1000 members and a State Director for the Arizona Association of Realtors with over 53,000 members.

Prescott is a rapidly growing mountain town with old western mining roots. With its pleasant mild climate, it is a popular weekend destination for those escaping the desert heat of the Phoenix area. Built around a traditional courthouse square with many of the original building still standing, Prescott offers a look into the past with the popular Whiskey Row and other local attractions. Outdoor recreation is plentiful in the Prescott National Forest with mountain biking, hiking, camping and scenic drives. Prescott is located 100 miles north of Phoenix in the clean fresh air of the Central Arizona Mountains. It is 90 miles southwest of Flagstaff. Highways 89, 89a and 69 will all bring you right to town.

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Looking for Homes or Land in or around Prescott, Prescott Valley, Chino Valley or Dewey

We are dedicated to providing the finest service available while breaking new ground. Our unique market knowledge of Prescott AZ homes (including Prescott Valley, Chino Valley & Dewey) can save you countless hours, frustrations and possibly thousands of dollars if you make the wrong choice on your own!

Call or e-mail us with any questions you may have about buying or selling homes or land in beautiful Prescott, Arizona.

Prescott Valley, the fastest-growing community in Arizona during the 1990s, along with neighboring Prescott and ChinoValley, is emerging as the state's primary regional center north of Metro Phoenix.