Page 14 • RE • February 4, 2012


SPOTLIGHT HOMES GREAT


Make sure your


REALTOR® is marketing your


home with FOOTHILLS LOT REALTORS 14711 E 52 St


Larger deep lot on 52nd Street with amazing mountain views. Leveled and waiting for you. 14 lots from end of 15E or base of mountain views. 52nd provides great access as one of the wider streets in Foothills. Water meter to be installed at close of escrow. Make an Offer.


$69,900. MLS# 96581


Sandy Baas (928) 941-2388


CALL AMY 928-539-6828


Home prices fall in November ASSOCIATED PRESS


WASHINGTON — U.S. home prices fell for a third straight month in nearly all cities tracked by a major index. The declines show that most homeowners are not reaping the benefits from some signs of an improving housing market. Prices dropped in


November from October in


19 of the 20 cities tracked, according to the Standard & Poor’s/Case-Shiller home- price index released Tuesday. The steepest declines were in Atlanta, Chicago and Detroit. Phoenix was the only city to show an increase.


The declines partly reflect the typical fall slowdown after the peak buying season. Still, prices fell in 18 of the 20 cities in November


compared with the same month in 2010. Only Washington and Detroit posted year-over-year increases. Prices in Atlanta, Las


Vegas, Seattle and Tampa dropped to their lowest points since the housing crisis began. And prices have fallen 33 percent nationwide since the housing bust, to 2003 levels.


classifiedsinyuma.com Yuma City


Yuma City


Attention Investors- Real Estate Drastically reduced 50% off from Prior Listings. Commercial, Residential & Acreage. $2k Per Acre In Dateland,Tacna. Owner Finance (928)502-0096


Remodeled 3 bdrm, 1 ¾ ba. with 400 sq.ft guest house! Open Floor plan, Carport, 2 patios. 246 E 26th Street. $119,000 obo 928-919-0161


New Semi-Custom 3bdrm . Total move-in cost $1,000OAC Receive a $7,500 grant for down payment on low interest FHA or VA Loan. Call 928-210-3146 /928- 941-1079


Need New digs? Find it in


Spacious family home with large fenced yard in quiet neighborhood FSBO 110,000 obo. 1900 W. 19th St. 928-581-6228


TO FEATURE YOUR LISTINGS IN THE


SPOTLIGHT HOMES


Q


UESTION: We have a backward real estate problem. Instead of being upside down, we have about $80,000 in equity. What


A


we don’t have is money and will shortly default. What can we do?


NSWER: You should see if there’s anyway to keep the property. If foreclosed, you’ll still need shelter, and rental


housing also costs money. Since the moment of nonpayment has


not arrived, you need to take several steps now.


First, look at your monthly costs. What can you cut?


Second, if you’ve lost a job, do you qualify for unemployment assistance? Third, by any chance can you start Social Security, if qualified? This can be tough choice because there are advantages to delaying Social Security payments. Fourth, go to MakingHomeAffordable.


gov and look at HAMP – the Home Affordable Modification Program. HAMP, says HUD, “lowers your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income to make your payments more affordable. The typical HAMP modification results in a 40-percent drop in a monthly mortgage payment. Eighteen percent of HAMP homeowners reduce their payments by $1,000 or more.” Fifth, speak with your state attorney general’s office They may be able to suggest modification programs and lender


House rich, cash poor


contacts that will be helpful. Is it possible to rent out part of your home, say, a room or a floor? Rental rates have been rising and even a short-term tenant might provide the cash you need to retain the property until things get better. Lastly, sell the house. You have equity.


You can sell and completely pay off the mortgage. It may not be a preferred choice, but it’s a better option than missing payments, losing credit, losing equity and being foreclosed.


Email peter@ctwfeatures.com. Due to volume, not all questions may be answered.


(928) 783 - 4433


Fortuna/Foothills 13801 Ironwood


Unrestricted mountain view s on golf course 2bdrm 2ba. Very nice. Furnished? $234,500 (734)645-3995


Open Houses


By Owner Open House Sat. 10am to 4 Sun. 1pm to 4 Castil del Prado gated condos overlooks Y.G.C.C. 1st fairway, 3br/2.5ba, new carpet, custom upgrades, 2 car garage/shop w/cabinets 800 E. Country Club Dr. #10 owner may carry $230k OBO, Bill Jewett 928-580-1853


Acreage


5 ACRES OF LAND Dateland, AZ. $635,000. Commerical use. P.0 Box 962 Winterhaven, CA, 92283. Call (928) 345-1702.


Acreage


Beautiful 10 acres split into 2.5 acre Parcels, which can be sold sep. Power to Prop. Owner will carry note. $40k/ea, will negotiate for all cash offers. Loc. between Foothills & Wellton, off 25 East. 928-920-5244


Commercial Property Manufactured/Mobile Homes Manufactured/Mobile Homes


2bdrm, 2ba Mobile home in Saguaro Estate 55+ Park off 4th Ave. ext. Full basement or 3rd bdrm & Arizona room. You Own the land /no space rent. See at: 650 W. Rainbow Ln. REDUCED $59,500. Cell 928-287-2641 or call 928- 852-0446 MUST SEE!


NEW carpet, floor tile, toilet, shower tub and AC. Orange, grapefruit & tangelos trees, Clubhouse, swimming pool, shuffle board, hot tub, laundromat and showers.


Three solar lights!


No Realtors! 1800 sqft, 1996 GW Kingston,patio workshop, 2 acres fenced, horses ok. $140,000 obo (928) 502-1732


11555 S. Shadow Avenue


80 acre farm SE AZ water rights,house,equipment,shop included. More info go to www.burdafarmforsale.com or call 520-642-1050


need new digs? find it in


1bdrm, 1ba furnished, large rooms, new appl., space 48 in Desert Palms Park 500 W. 28th St.$14,500. (775)530- 5895 or (775)623-3571


Ask our Broker


WITH


PETER G. MILLER peter@ ctwfeatures.com


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