Archives for July 2023

Monsoon season has officially begun, which means heavy rains and high winds are on the horizon. Before the storm season kicks into high gear, it’s important to prepare your property to minimize potential risks and ensure proper water management. Follow these guidelines to safeguard your property and contribute to Arizona sustainable water practices.

1. Identify the drainage style for your property:

Understanding your property’s drainage style is crucial for effective water management. Determine whether you have a self-retention or U-drain lot. This knowledge will help you plan structures and walls without obstructing the natural flow of water. Seek professional guidance if you’re unsure about your property’s drainage style.

2. Create a dry creek bed:

Constructing a dry creek bed, also known as an arroyo, helps control water flow during heavy rains. By digging a shallow trench and filling it with rocks or stones, you can guide rainwater safely through your property without causing soil erosion. Enhance your landscape by planting shrubs and plants along the arroyo, creating an attractive focal point.

3. Use the right plants:

Choose desert-adapted plants that absorb ground water effectively. Perennials, shrubs, and cacti are great options for absorbing rainwater. If feasible, consider incorporating saguaros into your landscape as they can extend their roots to seek out water. Minimize water consumption by opting for these plants instead of maintaining a grass lawn.

4. Check your irrigation system:

During monsoon season, adjust your irrigation system to account for the increased rainfall. Cut back on water usage by aligning irrigation schedules with the forecasted rain events. By doing so, you’ll save water and reduce your water bill. Take advantage of timers and settings in your irrigation system to optimize its efficiency.

5. Install and clear out gutters:

If your home lacks gutters, consider installing them to direct water flow during storms. Properly positioned gutters and downspouts will ensure water is directed away from your home’s foundation, preventing pooling and potential damage. Regularly inspect and clear out gutters to avoid blockages caused by debris or nesting birds.

” Water Conservation: Harvesting Rainwater “

Active Rainwater Harvesting:

Active rainwater harvesting involves collecting rainwater in containers, tanks, or barrels for later use. Gutters direct rainwater into these containers, which should have screens to keep out debris and pests. Consider using a first flush device for cleaner water. Underground storage tanks can also be utilized, requiring a pump to bring water to the surface for use in irrigation systems or water features.

Passive Rainwater Harvesting:

Passive harvesting focuses on shaping the landscape to slow water flow and promote infiltration into the soil. Features such as berms, basins, contours, and swales help retain rainwater, ensuring it benefits your landscape and reduces runoff. This technique supports the deep watering needs of desert-adapted plants while conserving water

Preparing your home and yard for monsoon season is crucial to safeguarding your property and conserving water. By identifying your property’s drainage style, creating a dry creek bed, using appropriate plants, checking your irrigation system, and installing/clearing out gutters, you can mitigate potential risks and ensure water flows safely. Additionally, consider active and passive rainwater harvesting techniques to conserve water and support sustainable practices. For personalized guidance and professional assistance, consult experts in the field. 

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SOURCES: Town of Queen Creek Az , Queen Creek Sun Times , Arizona Cooperative Extension

Save this if you’ve started the home search or are considering a move in the future. If you will be obtaining a mortgage – you’ll need it! It’s important to follow these rules as not doing so could have serious financial implications for both you and your future home. 

1. No changes to employment: Stability is key when it comes to securing a mortgage. Avoid changing jobs or making significant changes to your employment situation during the homebuying process.
2. Don’t buy a car: Taking on new debt, such as financing a car, can negatively impact your debt-to-income ratio and affect your mortgage eligibility. Hold off on major purchases until after you’ve closed on your home.
3. Don’t excessively use credit cards: High credit card balances can increase your debt load and affect your credit score. It’s best to keep your credit card usage low and make timely payments.
4. Don’t spend closing funds: As you approach the closing date, it’s crucial to avoid spending the funds you have set aside for closing costs. Keep those funds accessible and ready for the closing process.
5. No furniture on credit: While it may be tempting to furnish your new home before closing, avoid making large furniture purchases on credit. Wait until the mortgage is finalized to avoid any potential issues.
6. Don’t co-sign a loan: Co-signing a loan for someone else can increase your debt obligations and impact your ability to qualify for a mortgage. Refrain from co-signing any loans during the homebuying process.
7. No changing banks: Maintaining consistent banking history helps streamline the mortgage application process. Avoid changing banks or opening new accounts during this time.
8. Don’t omit debts from your loan application: It’s essential to be transparent about your financial situation when applying for a mortgage. Omitting debts or liabilities can lead to complications and potential loan denial.
9. No large bank deposits: Unexplained large deposits in your bank account can raise red flags during the mortgage underwriting process. Be prepared to provide documentation for any significant deposits.
10. No new credit inquiries: Multiple credit inquiries can negatively impact your credit score. Avoid applying for new credit cards or loans while going through the homebuying process.

Remember, following these guidelines will help ensure a smoother homebuying experience and increase your chances of securing the home you desire. Our team is ready to assist you every step of the way, providing expert advice and answering any questions you may have. Connect with us today to make your homeownership dreams a reality! 

Note: When it comes to financial matters and mortgages, it’s always recommended to consult with a professional for personalized guidance.

info@ENCBrokers.com

Unfortunately, real estate scams are prevalent in today’s digital age. From fraudulent rental listings to bogus investment opportunities, scammers continue to exploit unsuspecting individuals. That’s why it’s crucial to trust your gut and stay alert when something seems off or too good to be true. In this blog post, we’ll share a recent incident involving a home listed for sale that was fraudulently advertised as a rental. By sharing this story, we aim to raise awareness and help you protect yourself from falling victim to similar scams.

The Unfortunate Incident:

A few months ago, we listed a beautiful home for sale. We diligently took high-quality photos, posted it on the Multiple Listing Service (MLS), and shared it on social media platforms. Everything seemed perfect until about a week into the listing when our seller encountered an unexpected situation.

While taking out the trash bins, our seller was approached by a family who excitedly mentioned they were moving in next week and had rented the home. Bewildered, our seller clarified that the property was not for rent. It turned out that someone had illicitly posted the home’s photos on a website, advertising it as a rental property.

The Scammer’s Tactics:

The potential renters were deceived into believing that they needed to wire funds to gain access to the interior of the home. Fortunately, our seller’s quick thinking and skepticism prevented any financial loss. Sadly, many others have fallen victim to similar scams, losing their hard-earned money and experiencing significant emotional distress.

Trust Your Gut:

This incident serves as a reminder to trust your gut instincts when dealing with real estate transactions. If something feels suspicious or too good to be true, it likely is. Be cautious and question any unexpected or irregular requests during the buying, selling, or renting process.

Tips to Protect Yourself:

1. Verify Listings: Always double-check the legitimacy of listings. Cross-reference information with reputable real estate websites and consult with licensed professionals to ensure accuracy.
2. Conduct In-Person Visits: Whenever possible, schedule in-person visits to the property before making any financial commitments. Insist on a physical tour to confirm its authenticity and condition.
3. Use Trusted Platforms: Rely on well-established and reputable platforms for property searches, rentals, and sales. Research the platform’s security measures and user reviews to gauge their reliability.
4. Beware of Wire Transfers: Never wire money without thoroughly verifying the recipient’s identity and authenticity of the transaction. Legitimate professionals will offer secure payment options and provide proper documentation.
5. Report Suspicious Activity: If you come across a potential scam, report it to the appropriate authorities, such as local law enforcement, real estate regulatory agencies, and online platforms. Your vigilance can help protect others from falling victim to scams.

Real estate scams are an unfortunate reality, but by staying alert, trusting your instincts, and following the necessary precautions, you can protect yourself from falling prey to fraudulent schemes. 

Are you in need of reliable real estate services? Contact us today for professional assistance and peace of mind. @SHEAPREFERREDREALTY