Nate Martinez Team

7111 W Bell Rd Suite 101. Glendale, AZ 85308O: 602.942 .7000 | TF: 800 .284 .1158

SEPTEMBER 2012ONE OF ARIZONA’S NATURAL RESOURCES

Thirty years ago I was becoming a father for the first time. Thirty years ago the price of gas was $1.38 per gallon. There was no Google or Facebook. Thirty years ago the block buster movie was Raiders of the Lost Ark and Katherine Hepburn was the Oscar winning actress for her role in the movie On the Golden Pond. Thirty years ago the average price of a home was $75,000 which could be financed with a whopping 16.9% interest rate for an FHA loan.

What a difference thirty years makes. Today, I am the father of four children, including a two-year-old and a step-son who just left for his freshman year at Harvard. Brennan is the first graduate of Sunrise Mountain High School to attend an Ivy League College. Both my adult children, Brandi and Nathan Jr. work with me at RE/MAX Professionals as licensed agents on my team, as well as my fiancée Tonya.

Today, the price of gas is $3.59 per gallon and Google has now become a household name. Thirty years later, the average price of a single family home in the Valley is approximately $150,000 and interest rates are a fraction in comparison. A home today can be financed with an FHA loan for an interest rate around 4% if not less, depending on the day.

Today, you can purchase double the house for a monthly payment that is $340.00 LESS that it would have cost in 1981 or you could buy a home valued at $225,000 for the same payment – what a difference thirty years makes!

It was almost thirty years ago when I began my career in real estate. I have seen markets go up and markets go down – some markets have been better than others and some markets, well they made history here in Arizona. I believe, the market we are in right now is one we will look back on in thirty years and say “wow.”

Now, we can all agree there are something from thirty years ago that we would like to stay in 1981, for example, spandex shorts and the “Flock of Seagulls” hairdo…but one thing we can agree on, is the affordability of homeownership. Thirty years later, it is obvious from the statistics, that owning a home today is a great investment. You can not rent a single family home in the Valley for what you can pay monthly on an FHA loan.

If you or someone you know is considering making a move, whether that is buying or selling, give me a call today. Please do not wait thirty years to look back and say “I should have purchased when…”

What a Difference Thirty Years Makes

Home Purchased in 1981Purchase Price: $75,000Down Payment: $2,250Interest Rate: 16.9%Monthly Investment: $1,031.27

Home Purchased in 2012Purchase Price: $150,000Down Payment $5,250Interest Rate: 4%Monthly Investment: $691.06

*Figures do not include property taxes, hazard insurance or HOA fees. These figures are for informational purposes only and should not be relied upon by you. RE/MAX Professionals is not a mortgage lender and so you should contact a qualified mortgage broker directly to learn more about its mortgage products and your eligibility.

For every home we sell, a donation will be made to the Children’s Miracle Network on behalf of, and in the name of, the Buyer or Seller!

Please call us TODAY to view one of these Price-to-Sell Properties!Visit NatesHomes.com

ADDRESS CITY BED BATH SQ.FT3505 N 188th Ave Litchfield Park 6 4 3,8518416 N 34th Ave Phoenix 2 1 1,0081502 S 82nd Dr Phoenix 4 2 1,8342135 W Kristal Way Phoenix 4 2 2,2018134 W Maryland Ave Glendale 3 2 1,7169733 W McRae Way Peoria 2 2 2,1475244 W Sierra St Glendale 3 2 90540716 N Territory Trail New River 5 2.5 2,1407157 W Vermont Ave Glendale 2 1 1,64224966 W Wayland Dr Buckeye 3 2 1,3257361 W Yucca St Peoria 3 1 9457326 N 40th Dr Phoenix 3 2 2,0516125 W Oregon Ave Glendale 4 2 2,24325643 W Primrose Ln Buckeye 3 2 2,0312131 W Verde Ln Phoenix 3 2 1,3704902 W Whispering Wind Glendale 4 2.5 1,6631420 W Joy Ranch Rd Phoenix Vacant Land XXXX

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ADDRESS CITY BED BATH PRICE5012 W Rowell Rd Phoenix 6 4.5 $2,5001517 W Bramble Berry Ln Phoenix 5 4 $2,800

Available Rentals

ADDRESS CITY BED BATH POOL PRICE 1825 N 89th Ave Phoenix 3 2 NO $77,50013527 W Bolero Dr Sun City West 2 1.75 NO $89,90020821 N 1st Ln Phoenix 3 2 NO $90,0005526 W Grovers Ave Glendale 3 2 NO $104,90019918 N 146th Way Sun City West 2 1.75 NO $124,90017562 W Coyote Trail Dr Goodyear 4 2 NO $145,00012521 W Reade Ave Litchfield Park 5 2.5 NO $150,50040132 N Tangle Ridge Way Anthem 3 2 NO $150,0005949 W Cielo Grande Glendale 3 1.75 NO $200,00033013 N 24th Ln Phoenix 3 3 NO $200,00012346 Cougar Dr Sun City West 3 1.75 NO $219,9009618 W Butler Dr Peoria 4 2.5 YES $232,0007453 W Paraiso Dr Glendale 4 2 YES $242,5003544 N 149th Ave Goodyear 2 2 NO $250,0004529 W Fallen Leaf Ln Glendale 4 3 YES $270,0009722 W Prospector Dr Queen Creek 4 2.5 NO $273,40035714 N 32nd Ln Phoenix 5 3 NO $304,9004908 W Silva Dr Phoenix 5 3.5 YES $320,00011406 S 194th Dr Buckeye 4 2 NO $349,90012068 W Morning Vista Dr Peoria 4 3.5 NO $375,000520 E Adair Dr Phoenix 2 2.5 YES $415,00020711 N 55th Ave Glendale 5 2.75 YES $425,0001517 W Bramble Berry Ln Phoenix 5 4 NO $429,00040214 N Fairgreen Way Anthem 5 3 YES $449,90016469 W Yuma Rd Goodyear 4 3.5 NO $459,00030946 N 120th Ave Peoria 5 4.5 YES $1,000,000

Are you frustrated with listing agents not answering your sign call? We have a solution! Call the Nate Martinez Team today and receive a complimentary phone number that you can call any time, day or night to receive ALL the information you need on ANY home for sale!

RE/MAX Professionals Home Hotline gives you access to information in English & Espanol on virtually every property in

the MLS, 24/7 from any phone!

602-942-7000 Call us TODAY!

NatesHomes.com Click on the New Homes option to search ALL available

New Home Subdivisions in the Valley.

Looking for a New Home?

For more info visit: www.AZShortSaleResource.com

DON’T SWEAT ITwith these intelligent investing tips.

Do you know about all the great deals in real estate right now? Smart investors do, and they’re purchasing properties left and right thanks to incredibly low prices and interest rates. Investing in real estate the right way provides immediate cash flow in your pocket and builds wealth in the long term.

Let me show you how to unlock a world of real estate wealth!Download a free report at: arizona-investor-resource.com

602-942-7000 | www.NatesHomes.com | www.NatesLuxuryHomes.com

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9/1 Gabriel Lamas Matt Franklin Manuel Calles Karen Stark9/2 Bill Boswell Bill Svobada9/3 Max Berg Karen Howard9/4 Mario Cavazos Caesar De Moss Douglas Rich Richard Finney Alex Samaniego9/5 Murray Smith Janice Braslins9/6 Donald Olson Nickolas Gilsdorf Betty Houk Cheryl Olson Ellen Johnson Agripina Paluch Edwin Fine9/7 Glenda Benson Gloria Santa Cruz Carsan Burden

9/8 Cyndi Wahl Nick Mirt Mariah Ferretti Michael Burrola Rochelle Scott Lynda Winterstein Joanne Hunold9/9 Robert Chapman Luella Rogers Kelci Bombaci 9/10 Alyssa Haberly David Jones Larry Almon II Benjamin Dass Raymond Beck Luicia Estrada9/11 Kelly Hartle Tom Reardon Ian Winterstein Barry Bechtold9/12 Bruce Roth Christopher Ferretti Sabrina Gomez Hunter Franklin

9/13 Hal Dekeyser Roger Lesperance Anna Kuttner9/15 Michael Copeland Joel Patterson9/16 Mercury Tanaka Mike Sager Rhonda Sullivan9/17 Jacob Bavin Ruhide Lala9/18 Lynette Jelinek Joshua Aranda Sylvia Sanchez Isaac Schorr9/19 Sean Barrett Jacob Santa Cruz Stephen Motte Sam Brick Suzanna Dekeyser9/20 Jane Carmichael Jesus Romero James Topolosek Nicole Constantino

9/21 Carole Meye Drew Lindquist Matthew Higgins VirNon Elkins Catherine Coady Diane Heller9/22 Kaylee McDonald Drew Olson Deborah Jones Gerald Mallory Scott Beer Malgy Blue9/23 Susan Sorenson Nicholas Vasquez Shannon Dunn Monty Low Beth McHugh9/24 Zac Fox Alyas Jones Andy Navarro Russ Belle9/25 Elaine Holloran Alexis Ravenstein Shelly Hickman

9/25 David Raskin Jim Kuttner9/26 Terry Ringe Melvin McNeely Jodi Crowder9/27 Kevin Varricchio Lisa Beth Howland Walt Braslins9/28 Mandi Klimpel Sarah Turner Michael Swichtenerg Donna Cusey Giles Wilson9/29 Jasmine O’Neal Anne Yost Acey Reagan Jesse Leija Ryan Richter Derek Bies Mike Shepard Vincent Lomeo Natalie Javid Wilma James Bruce May9/30 Hal Haberly

We l Referrals!The Nate Martinez Team would like to thank the following people for the wonderful referrals they have sent our way.

Dave Ramsey, Dave Ramsey ShowRuth Aston, Real Estate Advantage Group

Karen Bugni, Coldwell Banker Kittitas Valley RealtyJoanne DeLeon, The Group

Melissa Yost Fuentes, RE/MAX Casa GrandeJanice Hall, RE/MAX Professionals

9/10 Mr. & Mrs. Pete Hovard9/11 Mr. & Mrs. Mike Garner9/15 Mr. & Mrs. Rich Hansen9/17 Mr. & Mrs. George Rhoads9/20 Mr. & Mrs. Ken Barre Mr. & Mrs. Paul Spitzzeri Mr. & Mrs. Gary Bennett

9/2 Mr. & Mrs. Barry Brewster9/3 Mr. & Mrs. Robert Chapman9/6 Mr. and Mrs. Randy Low9/7 Mr. & Mrs. Curt Schemers Mr. & Mrs. James Cartan9/9 Mr. & Mrs. Duane Woods

9/21 Mr. & Mrs. Robert Scalice9/23 Mr & Mrs. James Rivera9/24 Mr. & Mrs. Melvin McNeely9/26 Mr. & Mrs. Dave Gould9/28 Mr. & Mrs. Paul Betz9/30 Mr. & Mrs. Mark Rogers

FHA Yrs ExplanationForeclosure 3 _Short Sale 3 If you were current on your

mortgage payment during the short sale process, you maybe eligible sooner

Chpt. 7 Bankruptcy 2 From discharge dateChpt. 13 Bankruptcy 2 With permission from the

chapter 13 trustee, borrower maybe eligible for new loan, as long as they have 1 year of positive payment history

VA Yrs ExplanationForeclosure 2 _Short Sale - No documented information

yet, however, can assume the FHA rule applies.

Chpt. 7 Bankruptcy 2 From discharge dateChpt. 13 Bankruptcy - With permission from the

chapter 13 trustee, borrower maybe eligible for new loan, as long as they have 1 year of positive payment history

FannieMae Yrs ExplanationForeclosure 7 _Short Sale 2 With 20% down payment,

4 yrs. with 10% down payment

Chpt. 7 Bankruptcy 4 From discharge dateChpt. 13 Bankruptcy 2 From discharge date or 4 yrs.

from dismissal date

FreddieMac Yrs ExplanationForeclosure 4-7 With 10% down paymentShort Sale 4 _Chpt. 7 Bankruptcy 4 From discharge dateChpt. 13 Bankruptcy 2 From discharge date

* There are exceptions to every rule and the guidelines are changing constantly. If you or someone you know has gone through a foreclosure, bankruptcy or short sale in the past 2-5 years, its time to consider purchasing again. In some areas of the city, you can purchase a home today for less than it sold for new 10 years ago, you can’t rent for less than what you can own a home for today. If are unsure of your eligibility, please give us a call. We can connect you with a professional loan officer who can assist you with the qualifying process.

When Can I Buy Again After a Short Sale or Foreclosure

Foreclosure• Up to 300 points off your credit report• On your credit up to 7yrs.• Will not be able to get a loan for 7yrs.

SHORT SALE• As little as 50 points off your credit report• On your credit 12-18 months• Possible to get a loan immediately

Mortgage Debt Relief Act - Could Cost You $$$If you, or anyone your know, are considering doing a short sale you will need tomake a swift decision. Many short sales are taking anywhere from 4 to 8 months to compelte, so time is running out to qualify under the Mortgage Forgiveness Debt Relief Act and Debt Cancellation. If you do not complete your short sale before January 1, 2013 you may be held responsible for the difference as taxable income. At this moment in time there is no clear understanding as to whether Congress will extend this deadline or not.

Web link to IRS: http://www.irs.gov/individuals/article/0,,id=179414,00.htmlCall us at 602.942.7000 or email at Nate@NatesHomes.com to discuss your options. No obligation.For more info visit: www.AZShortSaleResource.com

EQUAL HOUSINGOPPORTUNITY

7111 W Bell Rd Suite 101. Glendale, AZ 85308P: 602-942-7000E: Nate@nateshomes.com www.NatesHomes.comwww.NatesLuxuryHomes.comEach office independently owned and operated

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