Is Now a Good Time to Refinance My Home?

Is Now a Good Time to Refinance My Home? | Simplifying The Market

With interest rates hitting all-time lows over the past few weeks, many homeowners are opting to refinance. To decide if refinancing your home is the best option for you and your family, start by asking yourself these questions:

Why do you want to refinance?

There are many reasons to refinance, but here are three of the most common ones:

1. Lower Your Interest Rate and Payment: This is the most popular reason. Is your current interest rate higher than what’s available today? If so, it might be worth seeing if you can take advantage of the current lower rates. read more

Choosing a Sedona Realtor

What to Ask When Choosing a Sedona Real Estate Agent / Realtor

When considering Sedona AZ Realty, be it homes, lots, acreage or specialty realty like horse property, you’ll want to know that you’re working with pros. Not a part-time agent.   A realty team is best suited to adapt to your schedule and show you property when you want to see it.

How long have you been a Realtor?  Is residential real estate sales your full time employment?
Susan began in 1986 and Troy in 1998.  Selling Sedona real estate is our full time job.

Experience doesn’t guarantee skill however most of a real estate agents education is learned on the job.
Do you have any designations or certifications?  For an all around certification, look for the Certified Residential Specialist (CRS).   Most CRS’s have demonstrated more than 10 years experience and performance and have completed a significant amount of classroom work.  Nationally less than 3% of all Realtors are a CRS.  The number is even lower for Sedona AZ Realtors.  Another designation that you’ll want your real estate agent to have is the Accredited Buyer Representative (ABR).  A Sedona Realtor with an ABR designation has formal classroom training in how to best represent home buyers. They must also have completed a number of sales as a Buyer Representative.  Nationally, less than 4% of all Realtors are ABR’s.  Susan and I have both designations. read more

APS – $75 Rebate on Smart Thermostats

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APS is offering a $75 rebate on smart thermostats from now through 2017.

  Why a smart thermostat?

  • Can reduce your energy costs while maintaining comfort
  • Earn $75 in rebates per smart thermostat
  • Control remotely from your computer or smart mobile device
  • Several popular models to choose from

Eligibility

  • Current APS Customer
  • Purchased and activated after August 5th, 2016
  • The connected thermostat must be in APS service territory
  • Rebate amounts are limited to one thermostat per AC system (up to 5 systems per home)
  • Your thermostat must be registered and connected to the internet to be eligible
    • read more

    Tax Write Off’s for New Home Purchases

    We aren’t accountants or tax experts in anyway but here are links to articles that deal with taxes and home ownership.

    http://themortgagereports.com/17114/tax-deductions-homeowner-1098-irs

    http://www.foxbusiness.com/personal-finance/2014/01/29/pros-homeownership-are-tax-write-offs/

    Second home or vacation home
    http://www.investopedia.com/articles/personal-finance/013014/tax-breaks-secondhome-owners.asp

    If you need an accountant, our accountant is Mark Sterling, Sterling Financial.  We’ve been through a lot of accountants over the years but Mark has been the best.  You can reach him at read more

    5 Great Questions To Ask At An Open House For Real Estate

    An open house gives you a great opportunity to look closely at |**CITY % CITY**| real estate you might be interested in buying.

    It also affords you the chance to chat with the owner or real estate agent so you can bring up any issues or hesitations you have with the home.

    Knowing what to ask can be difficult, so below are examples of questions to ask at the next open house you attend.

    Sedona Real Estate News

    Troy & Susan Deierling
    RE/MAX Sedona
    1165 W AZ-89A, Sedona, AZ
    (928) 451-6098 Susan
    (928) 202-0700 Troy

    928-451-6098
    myteam@susanandtroy.com