Casas del Oso – Luxury Custom Home Builder in Scottsdale, Arizona

Custom Luxury Home Builder, Scottsdale Arizona (Casas del Oso)

Recently, I have had the opportunity to become familiar with Casas del Oso, a custom luxury home builder in Scottsdale, Arizona. They build the most beautiful homes based upon the romantic architecture of Spain, Italy & Mexico. Most of their homes are located predominantly in golf communities in the greater Phoenix area.

I had the chance to tour one of their homes, and I must tell you, the craftsmanship, care and passion is very impressive and nothing but stellar. Over the past few months, I have also had the opportunity to speak with Barry and Christy Smith, the owners of Casas del Oso. Barry is the architect of the homes they build. He has a deep passion for building the client’s life experiences and lifestyles into their homes. He takes great pride in the close relationships they build with clients and the authenticity and craftsmanship these homes bring to the neighborhoods. These homes are truly a work of art.

Barry explained to me how when meeting with clients, he takes their passion, heart and soul and creates an authentic home that meets their needs, wants and desires. As no two clients are ever the same, Casas prides itself on its innovative design. Barry feels that every home they build is custom designed and calculated to meet each homeowner’s specifications.

Don’t take my word for it; head on over their website and take a look at the slideshow under “the details” section. It is truly amazing!

Zero Down Payment Mortgage Available

In an era of the credit crunch a common belief among borrowers is that they can no longer get zero down payment loans. While the free wheeling days of yesterday is certainly past us, there is still one loan program available that has a zero down feature. This zero down mortgage is available with a USDA Guarantee Rural Housing Mortgage.

This loan is not available to everyone and there are restrictions, but there are plenty of borrowers out there for whom this can be a great fit. The USDA Guarantee Rural Housing program is available to homebuyers purchasing a home in a rural area. The area must be defined as rural by USDA Rural Development and eligible properties cannot produce income (so no investment properties allowed). To determine if a property is within an approved area the USDA website has tools to help you identify them. So, if you have a property in mind, go ahead and enter it in and see if the property is located in an eligible area.

There are many advantages to the program. Such as:

  1. 100% financing for first-time and repeating homebuyers.
  2. No limit on seller contributions of gift funds from acceptable family, friends or non-profit organization.
  3. No Maximum loan amount.
  4. 30 year Fixed Rate.
  5. No monthly mortgage insurance.
  6. No reserve requirement (you do not need to show you have sufficient money to cover a mortgage payment for 2-3 months)

Keep in mind that even if you do meet the property requirement there are other requirements specific to your situation. So for borrowers to qualify they must be purchasing a primary residence, not own any other real estate and must meet income limitation requirements. Additionally, income from all household members over the age of 18 must be counted in household income. This household income may not exceed the moderate income levels set by the USDA for the area. Again the USDA website has the details to see if you meet this income limitation.

The USDA Guarantee Rural Housing program has become to mortgage of choice for most borrowers who qualify for the program and want to put a minimal amount down. Arizona homebuyers purchasing a home in the towns of Maricopa, Buckeye, Queen Creek and many other communities will find this mortgage to be a very attractive option.

New Years Resolution: Get Organized

Another year is in the books and it’s that time again. You know… that time when you start making resolutions for the New Year. Yep, it’s that time again. If you’re like me and continually don’t live up to resolutions this is not a good time. However, hopefully this time it will be a lot different. I really mean that. That is why I’m passing along something I received recently.

My good friend Jennifer Furrier is organizing a seminar in January on being organized. Sometimes the only thing standing in the way between resolutions and results is a plan. It looks like Jennifer’s seminar could go a long ways towards helping develop a solid plan. In this seminar she says she “will provide simple and effective solutions to become better organized and more efficient with time management.”

Here is a little introduction she sent me about the upcoming seminar:

Do you plan on working another 365 days of your life? What’s that you say? Oh, more than that! Then WHY continue putting up with the stress and angst that comes with disorganization? How about working those upcoming years being more organized, efficient, productive and effective than ever before? These days, maximizing the way you spend your time is more important than ever! Take your business to the next level by attending a one-of-a-kind, info-packed seminar that guarantees you’ll walk away with tools you can immediately implement to start 2009 off on the right foot.

She’s offering a $30 discount if you register before January 1st. Otherwise its $79 for this one day event. Download the PDF for details and registration information. Her website is EssentialOrganizing.Com if you’d like to learn more about her company.

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This site is for informational purposes only. It is not sponsored or in any way affiliated with the government. If you are in need of a mortgage loan, consult with a licensed mortgage professional. All fair housing and equal housing opportunity laws apply when applying for a mortgage or buying a home. Copyright 2012.