The system only requires a south facing roof area where to mount you panels. And it Looks Great too!

All the other equipment fits on about a  foot wide area of the grage wall. 

Why buy electricity generated by oil from the middle east when you can make it right at home from the sun for less that you are now paying? It feels great to see your meter spin backwards and know that you are doing your part to eliminate the use of fossil fuels for electricity.

The system is installed, guaranteed  and insured. It is monitored over the internet by the compny. They will know if any problem exists and call you to schedule a free repair visit.

For more info and ordering your free solar system while the rebates last, contact Jerry Germansen at 928-632-3906.

The purchase of a bank-owned home is unlike purchasing a home from a typical homeowner.  Here is why: Once a property has been foreclosed or returned to the bank it becomes an REO (Real Estate Owned) asset of the bank. Those assets are assigned to an Asset Manager who is probably located in another state and has likely never seen the property. They have hundreds of these asset REOs to liquidate for the bank. They have no emotional tie to the property. It is now just inventory to them.

The bank first contacts a local agent who values the property via a Broker Price Opinion. It is assigned a value and the asset then awaits disposal.

Once the Asset Manager is ready to dispose of the property, he contacts another agent  working in the area. Sometimes that agent is the only one in the state representing the bank who doesn’t even necessarily understand the local market. They are simply given the property to list for sale and generally have many of these bank-owned properties they represent.

The Asset Manager does not work within the customary and usual ways of traditional sales in a given market. They operate under their own rules and use their own forms. You must agree to buy a home under those terms or your offer is rejected. Those forms and terms are designed by the bank’s lawyers to protect only the bank.

The Asset Manager will not provide any disclosures or insurance claims history. It is strictly up to the Buyer to find out whatever they can about the property during a short inspection period after an offer is accepted. The property has often not been well maintained before foreclosure and may even have been damaged by the prior owner. You buy “As Is”. You have the responsibility to discover what “As Is” is. Once you have investigated the condition of the property, you must sign off on the existing condition or reject it and cancel the purchase. This is where your earnest money becomes non-refunable in buying  foreclosures in Prescott Arizona uless your loan does not go through.

The bank’s forms or addendum may hold you to a penalty of up to $100 per day for every day you are late in closing the purchase for any reason including your lender not funding in time. If they are the responsible party for a late closing, they are not subject to any penalty. You are held to a timetable but the banks are not. Time means little to them. Remember this is a non-emotional liquidation of an asset.

The bank will answer your offer only through their listing agent when they get to it. They may wait for other offers to encourage multiple higher offers. And, they may take a lower offer for undisclosed reasons or reject all offers. They may have listed it for sale at a price they would not sell it for only to stimulate showing activity. The time of acceptance that you give them in your offer does not require them to answer in a timely manner. It is only there for you to have a way to end the negotiation on your end. It puts no demand or obligation on the Seller (bank) to answer your offer within that specific time limit.

Once an offer is accepted, it will be subject to the bank’s additional forms, terms, and addenda. Every bank has these prepared by their lawyers. They also select the title and escrow company. You either agree to their terms or they will not sell the property to you.

Your close of escrow and time of possession is not emotional to the bank’s Asset Manager. They don’t care if you have your belongings waiting in a truck to move into a home. They don’t care if they have one more document to sign before you can get your keys after recording of your closing documents. They do not work past 5 PM in whatever time zone they are in and are not located in the local bank branch. They are in an office somewhere else and may have dozens of files to close a particular day–perhaps as many as 500 files on their desk in various stages of liquidation. You are strictly a number buying their asset.

As long as you are willing to work under these conditions, you may find a great property at a discounted price. It may be worth the extra time, hassle, and discouragement that you are likely to encounter along the way.  Just be forewarned and then you won’t be surprised. We will be there for you, guide you through the process and advise you for your benefit and protection. WE are the experienced part of your team. Contact Jerry Germansen for a smooth purchase of a foreclosure property in the Prescott Arizona area. 928 632 3906

Top 10 reasons to live there:

Weather

With 4 mild seasons the Prescott Country Club offers the best weather in North America. Summers average 85 dry degrees with 55 degree days in the winter. You will not need air conditioning at night, ever!

Location

Just an hour north of Phoenix at 5000 foot elevation.

Lifestyle

A slower pace with little traffic and congestion. Prescott Country Club is the place for easy access to Phoenix when you need a cultural fix or to catch a flight out of town.

Day Trips

If you like to take short trips this is the place for you. Within a few hours you can be at The Grand Canyon, or in Las Vegas, Tucson, Mexico, Flagstaff, Sedona, or the Four Corners States. Motorcycle rides are fantastic on our smooth roads.

Great Home Values

Your home at Prescott Country Club can be purchased in a wide price range. There is a manufactured home area backing to state land for as little as $70,000. Site-built homes range from just over $100,000 to more than $700,000. All homes are custom built over a 30 year period an ¼ to ½ acre lots.

Golf

You picked a great place to live if you play golf. There are five courses within 20 minutes drive and hundreds in the Valley of the Sun. Play year round with rates starting at $38.00 for 18 with a cart.

Medical Access

Yavapai Regional Medical Center has 2 campuses in nearby Prescott and Prescott Valley. There is a renown V.A. Hospital also located in Prescott. And again, the major medical centers in the Phoenix metro area are just an hour away including Mayo Clinic.

Shopping

All the BIG box stores have discovered north-central Arizona. You are just minutes away at the Prescott Country Club. Our area is a central shopping district for Yavapai County residents.

Cultural Experience

We have access to a variety of colleges that offer adult education classes. The Native American Yavapai Tribe has museum as well as a casino. Again, our proximity to Phoenix speaks for itself.

Outdoor Sports and Recreation

With the Prescott National Forest at our doorstep there is a camping, fishing, hiking, and nature photography right here at home. Prescott is known as softball capital of America. Teams are available for all ages. Game hunting surrounds the Prescott Quad-Cities. Quad rides are another great way to take in the area. Ride for miles right from home and take the full day or more. See old mines to rivers to mountains. It’s all right here!

What are you earning on the money you have in the bank? Not much? Here is a solution: If you are selling property and will take your money and put it in the bank just change your strategy. Buyers are having a difficult time securing financing today. That is especially true of the self employed. As a seller you could offer terms to the buyer and be the bank for them. You would earn a lot more than the 1/2% the bank is paying these days. And your investment is pretty secure. You have the property as collateral.

Buyers are willing to pay not to use traditional bank financing. The interest you will earn may be much more than market interest rates for mortgages. It is not unreasonable for a seller to ask for 2-4% over the current market rate.

Not only will you earn more, but you will increase the chance of selling your property because you make the money available for the buyer.

This may also be a good investment even if you are not selling anything. You could be a private lender and earn high rates of return instead of leaving your cash in a bank.

Payments for these arrangements are made through the account servicing department of a title company. They track the payments and provide statements. The buyer /borrower pays the fees.

In the event of a default, you get the property and keep all the payments that have been made along the way.

Jerry Germansen, eXp Realty Associate Broker, 928 632 3906

Scott Light of channel 12 news was the Master of Ceremonies for the evening. He introduced Lee Doerr, Congressional Medal of Honor winner. 86 year old Lee was just awarded the medal for her service in WWII as a Women Airforce Services Pilot (WASP) pilot. Lee spoke of her experiences delivering and relocating over ten types of aircraft during the war. Most of the planes were experimental. Our highly polarized congress unanimously voted to award the medals to the WASPS who served their country. This compliments veteran status granted to them over 30 years ago.

Scott also introduced Katie Clarke, who when a 3 week newlywed was diagnosed with leukemia. She is now a cancer survivor alive today as a result of platelet donations for her cancer treatment. Awards were presented to those who donated from 12 to 24 times during the past year. Over 5 million units of blood or it’s components have been given since United Blood Services started in 1943 as one of just three blood banks in the United States to collect blood for the War.

C’Ann Simpson and Jerry Germansen are regular platelet donors. They make the trip into Phoenix from Prescott, about an hour and a half, monthly. Jerry was awarded his first Gallon Pin in 2009 for a cumulative donation of over a gallon of the platelet component of blood. Platelets are collected through aphaeresis of the blood. Blood is extracted from the donor’s arm and sent through equipment that removes the platelets and return the remaining blood to the donor. The process takes about 3 hours using one arm all while resting in a chair watching a movie or reading. Both C’Ann and Jerry would love to see you join them and become a donor. They say that you get much more out of the experience than you give. It is the one thing that most people can give freely. Part of the processing and testing is analysis of your cholesterol level and taking your blood pressure. Some day you may need life saving platelets.

I experienced the need in my family about 15 years ago. I know the value of this donation from that time in my life. It is one thing that money can’t replace. Thank God that there were donors taking the time to keep a supply available for my wife during cancer treatment.

Untied Blood Services has blood banks throughout the Phoenix area to collect platelets. Whole blood can be donated throughout the State. Contact United Blood Services at 602-242-4697 and save someone’s life.

Shared wells are viewed positively by some and negatively by others. I hope to dispell some myths and tell it like it is. Water in central Arizona’s Prescott Quad-City area is a precious commodity. We live in an Active Management Area and under the law we cannot import or export our water. Shared wells have their place here.

Here are both sides of the story.

Negative Aspects:

• Requires a cooperative effort between neighbors to conserve water.
• One party could be viewed as using a disproportionate share of the water.
• There is less self freedom
• Requires collecting of electric costs and periodic maintenance costs.
  

  The Agua Fria River

Although a cooperative effort is required, conservation is good for the well and the community. Disproportionate use can be accounted for by metering usage and charging for the water as part of the maintenance fund for future repairs or upgrades. This may include drilling deeper in the event of a well going dry or a new well. Electric costs can be metered. A separate electric meter can be installed on the well and direct payments arranged with the utility company from the maintenance fund.

Positive Aspects:

• Reduced initial cost per household
• Guaranteed water if an existing well is shared
• Monthly budgeting toward maintenance
• Shared costs of maintenance
• Well monitored for operation by multiple parties

Weather there is 1 straw in the ground or 5 straws in the ground, the same aquifer is being used for drawing all the water. There is not a lot of difference having more than one household on a well.

A good shared well agreement prepared with legal assistance should contain the following:

• The legal description of the well site and waterline easements.
• How monthly costs and the maintenance reserve will be collected and any cap amount?
• How the electric bill is paid?
• Is the usage metered or is the usage electric split equally?
• When does payment begin if one party is a vacant lot owner?
• How are decision about maintenance and upgrades reached?
• How is the agreement amended and by what percentage of the participants?
• What happened if one party does not contribute?
• What happens if one party vacates the well and drills his own?
• What happens if municipal water becomes available?
• Does the reserve stay with the property in the event of a sale?
• Is there a hold harmless clause?

Shared well agreements can be arranged for up to 13 properties. 14 or more shared well properties are legally considered a water company which requires monitoring for water quality standards and reporting.

All this may appear to be complicated. However, once an agreement is in place, the benefiting parties can save a lot of money and have a good water source. These agreements are particularly valuable in areas of spotty water when a good well is found.

I personally live on a 4 party shared well and enjoy the benefits.

Globaltranz Enterprises, a company rated #175 of the fastest growing privately held companies nationwide and a cover company for a coming INC Magazine issue, is expanding their presence here. Prescott Valley has been the home for a local branch office for the past three years. They are expecting to hire 175 new employees over the next 18 months. They just signed on to expand their offices into a building at the Prescott Valley Entertainment District in the building east of the new Fudrucker’s. These are high paying jobs. GlobalTranz is expected to begin interviewing in February for self-starting energetic employees. Get in on a future with this fast-growing company. Check www.globaltranz.com to see if you are ready for a GlobalTranz position. eXp realty and C’Ann Simpson are the preferred relocation partners for all their new employees with a special company benefit saving them hundreds of dollars.

Additionally, Yavapai College in Prescott is having a job fair. Mark your schedule for March 10th, 10AM to 2PM. Many local companies as well as national employers will be presenting the story of their companies and searching for a fit among those attending. eXp Realty will be there. We are looking for the bloggers, Facebook friends, Youtube watchers and posters, and anyone who is social media conscious. eXp realty sees the future of real estate in the virtual world where the future stands waiting. eXp is poised for the future and has developed the ways and means of working in the technology environment that the social media generations live in. This is the true future without limits on your earnings or your freedom. eXp is a fast growing company. The the direction of the company is based on collaboration of everyone from tne new agent to the CEO. Training is available 24/7 online in all aspects of the real estate business. Call C’Ann at 928 848 1818 or visit our recruiting site right now. http://exprealty.com/expansion/

Both of these companies offer the glass slipper of the future of your career. You owe it to yourself to come see if it is a fit!

EnergySmart Homes builds efficient homes that pay for the comfort and lifestyle through lower utility bills. Imagine paying a minimal $10 electric bill and then call C’Ann.

Prescott, Prescott Valley, Chino Valley, and Dewey, the Quad Cities are in the best location for solar energy in the United States. Our demand for power is low beacuse of our mild climate and yet our ability to gather solar power is excellent with over 300 days a year of pure sunshine.

Think smart and connect with EnergySmart Homes. We are your connection!

C’Ann 928.848.1818