Washington Watch: New Bill Adds Energy To Affordability.
 When you apply for mortgage financing either on a new loan or a refi, the decision makers look at several numbers when deciding if the amount you are asking for is justified by your income and expenses such as taxes and insurance. A bill just introduced in Congress aims to force the issue of a homes' "energy consumption" as another component of affordability. Click Full Article for the details.
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Lower Home Values May Deliver Some Tax Relief
 Home Prices around the country are off about 25% from their highs. Seeing most municipalities tax your home related to value, you may have a legitimate claim for a reassessment. or a property tax appeal. Here is a new service you might want to check out that will arm you with evidence. Also found with the Full Article link, are other resources to take on the tax assessor!
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Home Safety Update: Recent Product Recalls
 Every month there are millions of products recalled by the Consumer Product Safety Commission. October's more popular recalls can be found by clicking Full Article below. Using Facebook and Twitter? Be sure to share these updates on your network by hitting SHARE THIS below.
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Community Living Resources
 Life In Community Association Has Unique Issues
Once per month HomeActions will cover the latest tips, trends and issues when living in a community association. The Full Article link will provide you some Q and A that can be useful.
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Your Opinion Matters!
Last edition we covered the Congressional Super Committee that is trying to come up with $1.5 trillion in savings. As we had many questions from readers as to the specific line items that are getting looked at, we thought you might want to see more. You can also chime in with your elected officials and tell them how you feel as well as see how others feel. Go ahead and jump into POP VOX, a fun and informative service. Click Full Article for the editor's note on this topic and others we will cover.
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Home-Buying Tips Whether you're searching for your first home, moving up, or downsizing, the purchase of a home is a major financial commitment. Don't let the excitement of looking for your dream home prevent you from following these tips.
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It's Closing Time: Common Costs and Documents
 On the road to making your dream home a reality, there are many stops, such as obtaining a mortgage, arranging for an inspection and conducting the final walk-through. The last step is the closing or settlement where the legal title to the property is transferred to you. Here are some of the fees you can expect and the documents you may see at the closing or settlement.
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This is not the opinion of Brad Bergamini, Realty Executives Northern Arizona or any of its affiliates. This post is for informational purpose only and is not guaranteed and does not render as legal advice. Buying and selling Real Estate in Arizona or Prescott Arizona is a serious task and should be consulted with personally with Realtor or Real Estate Attorney. Please visit my website for contact information
http://bradbergamini.com or http://everythingprescott.com
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