Jerry Raviol

1640 S. Stapley Dr., #130 • Mesa, AZ 85204
TOLL FREE: 1888-JRAVIOL (572-8465)
CELL: (602) 695-5478
Office: (480) 820-3333
Fax: (480) 539-9717

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West USA Realty

Archive for Phoenix

Nice home with vaulted ceiling on a BIG LOT with room for kids to play and a giant back patio at a bargain price. This home has a great location with easy access to schools, parks, and shopping. That sound you hear is opportunity knocking- there simply are not many homes for sale in this neighborhood.

For more information and to view more images of this home please click on the address below.

7027 W. Turquoise Ave
Peoria, AZ 85345

Jerry Raviol
West USA Realty
www.houseaz.com
602-695-5478

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WildHorse at Allen Ranch, in Gilbert, AZ, has seen record breaking home sales in January this year already! Things are looking up for the neighborhood. To find out more – watch the video message below, click on the current property update and then contact Jerry with your questions.

WildHorse Market Update – Home sold this year, homes currently pending sale and home that are actively for sale.

Jerry Raviol
West USA Realty
www.houseaz.com
602-695-5478

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Welcome to your new home with tile on the first floor for easy care, Stone Fireplace, stainless steel appliances plus a gas stove and granite counters. Home has both R/O system and water softener. Master bedroom is on the first floor with sliding doors leading to the pool. Master bath features double sinks, separate tub and shower and huge walk-in closet. Upstairs you have loft overlooking family room, 5 bedrooms and a full bath. Covered patio opens onto the fenced pebble tec pool and spa. Community features lakes, walking and exercise path, park with playground, picnic tables and grills.

To view more pictures or learn more about this property please view the link below.

PIN #189
Maricopa, AZ

Jerry Raviol
West USA Realty
www.houseaz.com
602-695-5478

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This spacious single story home in Chandler has a welcoming covered front patio, 3 bedrooms, 2 bathrooms, living room, dining room, open kitchen to the family room with a fireplace. Great backyard with a covered patio, pool, water feature and your own citrus trees. Plenty of storage and no HOA.  

To view more pictures or learn more about this property please view the link below.

PIN#117
Chandler, AZ

Jerry Raviol
West USA Realty
www.houseaz.com
602-695-5478

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THIS 4 BEDROOM, 2.5 BATHROOM HOME HAS A GREAT FLOOR PLAN WITH THE MASTER BEDROOM DOWN STAIRS. HOME HAS TILE IN ALL THE RIGHT PLACES. NICE LARGE BACKYARD WITH A PEBBLE TEC SALT WATER POOL AND A LARGE GRASS AREA WITH TURF GRASS.

To view more pictures or learn more about this property please view the link below.

PIN #122
San Tan Valley, AZ

Jerry Raviol
West USA Realty
www.houseaz.com
602-695-5478

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Your own private retreat on the fairway with a beautiful golf course and mountain views. Unique 3 level open floor plan. Master with fireplace and 2nd bedroom on 1 level, 2 bedrooms and bath on 3rd level. Open dining room and kitchen with eat in bay area. Greatroom with fireplace opens to patio and pool for your enjoyment. 3rd level loft is open and bright, large patio with perfect views. 2011 entire home painted in and out plus new carpet on 3rd Level.

To view more pictures or learn more about this property please view the link below.

PIN # 120
Scottsdale, AZ

Jerry Raviol
West USA Realty
www.houseaz.com
602-695-5478

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Dec
13

Foreclosures During the Holidays

Posted by: Jerry | Comments (0)

Watch the video below to learn about the only town that does not have any foreclosures and how to handle foreclosures during the holidays.

Click the play button to watch the video.

 Happy Holidays,

Jerry Raviol
West USA Realty
http://www.houseaz.com
602-695-5478

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Sellers often ask me what’s the difference if they do a short sale or just let the bank foreclose?  Most of the time property owner’s long term financial health is better off if they do a short sale. There are, however, some cases where the property owner’s long term financial health is better off by letting the bank foreclose or doing a bankruptcy.   

Your current situation is temporary, your finances will change in the future, and the choices you make now can affect you long term.  The most popular tools available to fix your situtaion include -
  • Short Sale
  • Foreclosure
  • Deed in lieu of foreclosure
  • Loan Modifications
  • Bankruptcy

Each of these tools will have a different impact on both your short and long term financial health.  Don’t let the bank foreclose before you know the difference, and you and I talk about the details. My initial consultation is free.

A short sale occurs when you negotiate with the mortgage company to accept less than the full balance of the loan.  When you consider a short sale or foreclosure you need to consider how they will impact the following items:

 Credit History
A foreclosure will hurt your score by approximately 250 to 300 points for at least three years. In addition the loan will show on your credit report as foreclosed for 7 years.

With a short sale only the late or missed payments prior to the short sale will be reported, the points off your credit report can be far less, and if you make all you other payments on time the impact will only be 12-18 months.  Furthermore, if the lender agrees to accept nothing more than the proceeds from the sale the loan is typically reported as “settled” or paid in “full”.

Getting a Mortgage in the Future
In addition to the difference in your credit score with a foreclosure you will not be able to get a Fannie May backed loan for 5-7 years, and you will have to answer yes to the question have you ever been foreclosed on.  Having to say you have been foreclosed on will increase your future interest rates.  With a short sale you will only be prevented from getting a Fannie May loan for 2 years, and you never have to answer yes to whether you have been foreclosed. 

Security Clearances
With a foreclosure if you are a police officer, in the military, or any other position that requires a security clearance, the clearance will be revoked.  A short sale on its own does not challenge most security clearances.

Remember my golden rule – friends don’t let friends get foreclosed on until after they have figured out if short sale can help them more.  You cannot know what is best for you without knowledge of the following:
  • The AZ Deficiency Statute
  • Bankruptcy
  • Loan Modifications
  • Short Sales
  • Foreclosures

As a public service to AZ homeowners I am glad to offer you a free consultation.  If you take advantage of this free service and then go to speak to an attorney and tax expertyou will be armed with information that will help you get more from their consultation fee.

Jerry Raviol
West USA Realty
http://www.houseaz.com
602-695-5478

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Nov
29

5 Things To Do Before You Sell Your Home

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Putting your home on the market isn’t as simple as placing a FOR SALE sign in your yard. There are several steps you should take when preparing your home for sale. Read more below to learn about the top 5 things you should do.

-5 Tips For Sellers-

  1. Hire a Real Estate Agent.
    It may be tempting to list your home on your own to avoid paying a sales
    commission, but selling your own home is a full-time job itself. A real estate
    professional represents the best opportunity to earn the maximum amount from
    your home’s sale. An agent will recommend the best listing price, market your
    home effectively and show your home to buyers. An agent also recognizes what
    buyers are looking for in a new home.
  2. Get Your Home Inspected
    You are required to disclose any problems with your property to prospective buyers. Failure to do so will lead to further complications, even if you weren’t aware of the flaws ahead of time. Hire a professional inspector to identify and document any problems with your property. Also, make sure your home has a clean bill of health
    from termites.

To read more about the top 5 things you should do before selling your home please click the image below.

If you need a real estate professional to assist you with the sale of your home don’t hesitate to contact me. I’m always happy to help.

Jerry Raviol
West USA Realty
http://www.houseaz.com
602-695-5478

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Are you in the process of purchasing a home? Maybe you have just begun the process of researching buying a home. Well, whereever you are in the process you must read this article. It could save you time, money and headaches!

-Protect Yourself From These Ten Common Pitfalls-

  • Mistake No. 1
    Choosing a real estate agent who is not committed to forming a strong business relationship with you.

    Here’s How to Avoid It
    Making a connection with the right real estate agent is crucial. Choose a professional who is dedicated to serving your needs—before, during and after the sale.

  • Mistake No. 2
    Making an offer on a home without being prequalified.

    Here’s How to Avoid It
    Pre-qualification will make your life easier—take the time to talk with bank or mortgage representatives. Their specific questions with regard to income, debt and other factors will help you determine the price range that you can afford. It is one of the most important steps on the path to home ownership.If you’d like to read more about the top 10 mistakes homebuyers make please click the image below to view the entire list.

As always, if you find you need help with avoiding these common mistakes then contact me and I’ll be happy to assist you through your home buying process.

Jerry Raviol
West USA Realty
http://www.houseaz.com
602-695-5478

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