How To Deal With The Neighbor From Hell

How To Deal With The Neighbor From Hell Are you living next to the neighbor from hell? You spent months finding the perfect little home, you have just moved to phoenix and the moving company recently finished delivering your worldly possessions and you’re finally starting to settle in. Then a chainsaw hacking, carving through a tree shreds your peaceful bliss. Oh, didn’t you know? You made the mistake of moving next to the neighbors from hell. These folks are awful. They let their lawn fester with junk, play obnoxiously loud music at random times in the night, never close their blinds while walking around nude, rake leaves into your once-pristine yard and give you a death glare if you mention these problems. But, don’t fear. Selling your new home and re-moving isn’t necessary, just follow these tips on how to deal with these hellish people who dare call themselves your neighbors.

Don’t Get Angry

If you feel like ferociously taking out your lack of sleep on the neighbor because they were blaring K-Pop all night through an open window, here is a tip: don’t. Reacting hastily to any situation, especially tension filled ones, can simply make the problem worse. Do your best to approach your neighbor in a friendly manner. Maybe bring over a case of beer or bottle of wine to break the ice. Let them know in a non-confrontational manner that these issues are bothering you, and give them ideas on how to fix the issue. The second thing is to mention how their behavior negatively affects you, instead of attacking them for sloppy behavior.

If they’re not willing to talk with you, then try to find a neutral mediator to oversee the discussion.

Help Them

Maybe your neighbor isn’t a bad person, but they’re super swamped with a hectic lifestyle and don’t have the time to remove the rusting car parts from their yard. Instead of condemning them, lend a hand. Offer to help pay for a junk removal company to come and haul those eyesores away; the small cost will be worth the peace of mind.

Document Everything

If the neighbor simply refuses to stop the derelict behavior, then the best option might be to bring the problem to the authorities. Be that a home owners association, the police or a lawyer. Before you can successfully do this, you’ll need to accurately document your grievances. Make sure you keep a copy of any noise complaints you might file with the police, photocopy any letters you send (be sure those are signed by you), and take photographs of the property. These will all help your case against this unruly neighbor.

How To Deal With The Neighbor From Hell

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How Much Home Can You Afford?

How Much Home Can You Afford? “How much home can I afford?” is Among the most common questions from a home buyer.

The answer, not surprisingly, is “it depends”.

There are no concrete rules for how much home you can afford, or how big your mortgage should be. In part, this is mortgage lenders will calculate your maximum home purchase price differently from how you might calculate it yourself.

There are two approaches to home affordability — let’s examine both.

1.Let The Bank Use “DTI” To Determine Your Maximum Purchase Price

When you ask a bank to calculate your maximum home purchase price, the bank will give very little consideration to your existing home hunt or any properties on which you’ve considered making an offer.

Rather than using a specific home for its calculations (or a specific sales price), the bank will consider your annual income and your annual debts, then calculate the maximum-sized mortgage payment which could be added without raising your debt-to-income (DTI) ratio above allowable limits.

Once the banks has found your maximum approvable mortgage payment, it will use today’s mortgage rates to “back in” to the maximum allowable loan size.

This method is based on maximizing your debt-to-income ratio, which may not be advisable. However, the DTI-based formula is not meant to show what you should pay for a home — it’s only meant to show you what you could pay for a home.

Banks will check your debt-to-income ratio in two parts — the front-end ratio and the back-end ratio.

Debt-to-Income : Front-End Ratio

The first component of the debt-to-income ratio is the “front-end ratio”. Front-end ratio compares the expected monthly housing payment to a buyer’s monthly income, where “housing payment” includes all of the following obligations :

  • Monthly principal + interest payments
  • Monthly real estate taxes due
  • Monthly homeowners insurance due
  • Monthly dues due to an association

There is no maximum limit for a front-end ratio, but lenders prefer to see front-end DTI of 28% or less. In other words, banks prefer that 28% or less of your total monthly income allocate to your housing payments.

You can still be approved with a front-end ratio greater than 28%, but it’s a little less usual.

Debt-to-Income : Back-End Ratio

The second component of debt-to-income ratio is the “back-end ratio”. Back-end ratio compares not the monthly housing payments against a buyer’s monthly income, and all other monthly payments, too.

Back-end ratio accounts for all of the following monthly obligations a home buyer may have :

  • Monthly housing payment(s)
  • Monthly minimum credit card payments
  • Monthly child support or alimony
  • Monthly car payments for a car loan or lease
  • Monthly payments to an installment loan such as a timeshare

In general, banks want to see a back-end ratio of 36% or less, however, having a DTI over 36% will not disqualify your loan application automatically. Many lenders allow up to 45% debt-to-income.

2. Make Your Own Monthly Household Budget

As a home buyer, you can rely on a bank to tell you how much home you can afford, or you can figure your maximum home purchase price on your own.

In many cases, your bank will approve you for a more expensive home than you want to purchase. This is because banks will approve you to your maximum home price using a 45% debt-to-income ratio.

When you spend 45% of your income monthly, it doesn’t leave much cash for saving, investing or living, let alone paying taxes.

Therefore, consider the other approach to the “How much home can I afford” question. Determine the maximum monthly payment you’d like to make each month, and then, using today’s mortgage rates, work that figure backward to find your maximum mortgage loan size.

For example, if you budget for a monthly housing payment of $2,500 with two percent annually going to taxes and insurance, assuming the current 30-year mortgage rate is 4%, the math “worked backwards” reveals a maximum home purchase price of $385,000.

This method can be far more effective to keeping within a budget as compared to letting the bank set your price.

How Much Home Can You Afford?

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Classic Scottsdale Ranch Home

9624 E. Turquoise Avenue, Scottsdale Ranch

Classic Scottsdale Ranch Home Listing Provided by ARMLS


This 4 bedroom 2.5 bathroom home in Scottsdale Ranch is a Classic Scottsdale Ranch Home Built by Markland in 1986. This beautiful home exemplifies quality construction from its solid wood doors to its recessed window sills. The new owner of this 4 bedroom 2.5 bathroom home in Scottsdale Ranch will appreciate the architectural qualities only found in more expensive custom homes which enable you to enjoy a distinctive lifestyle. Custom wood shutters are found throughout the home allowing you to control just the right amount of natural light. This 4 bedroom 2.5 bathroom home in Scottsdale Ranch features an incredible kitchen overlooking the covered patio and backyard pool area. Updated with beautiful granite counters and stainless appliances including double ovens and a French Door Refrigerator this kitchen is truly the heart of this home. The kitchen also opens on a large family room as well as a spacious breakfast room.

The master suite of this 4 bedroom 2.5 bathroom home in Scottsdale Ranch is grand with plenty of room for a sitting area and direct access to the patio and pool areas. The well planned master suite’s bath area boasts his and her vanities as well as dual closets and a dramatic soaking tub. You will be drawn to the resort backyard with a “one of a kind” pool with raised sitting area and a full tile spa. The backyard is “family sized” with plenty of room for activity and also features a built-in barbeque and fireplace area. Put this very special 4 bedroom 2.5 bathroom home in Scottsdale Ranch at the top of your list!





Scottsdale Ranch Lifestyle

Classic Scottsdale Ranch Home

Scottsdale Ranch is a luxury master-planned community in the northern part of Scottsdale, Arizona. Covering 1,100 acres of Maricopa County, Scottsdale Ranch is presently home to more than 7,000 people.

A residential community, Scottsdale Ranch offers many varieties of homes to suit anyone’s needs both financially and lifestyle. There are condos for the people just starting out, private patio homes requiring little outside maintenance, spacious and friendly single family homes and stately custom built waterfront homes found on Lake Serena. Intermixed in the Ranch is convenient shopping and dining at the Mercado. Living in Scottsdale Ranch has something to offer everyone. Stroll through the Desert Garden and admire butterfly gardens, hummingbird nests and much more. The Senior Center is centrally located on Via Linda along with Scottsdale Ranch Park where Little League baseball is played. This is truly a community where kids can walk to nearby Laguna School.

Scottsdale Schools

Scottsdale Demographics

Call me, John Sposato at 602-571-3730 so I may personally show you any home for sale in Scottsdale Ranch.

Classic Scottsdale Ranch Home

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Think of Your Mortgage as a 3 Legged Stool

Think of Your Mortgage as a 3 Legged Stool So you want to pay the least interest as possible on your mortgage? I don’t blame you.

When banks announce their quarterly profit reports in the billions of dollars it’s enough to make your blood boil.

Here we are, everyday hard working honest people and we have to fight tooth and nail for every inch on rate and fees with the bank.

The question begs to be asked how does one get ahead in the mortgage game?

If you want to pay the least amount of interest to the bank then think of your mortgage as a 3 legged stool.

Focusing on one leg and neglecting the other two is cause for an uncomfortable unbalanced seat.

Three things you can do to manage your mortgage expense.
  1. Don’t over extend yourself by borrowing too much.
  2. Negotiate a reasonably low rate.
  3. Focus on reducing your amortization by applying pre-payments

In this way you’ll successfully pay down your mortgage faster and save yourself $10,000s of dollars.

Think of Your Mortgage as a 3 Legged Stool

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Big Mistakes for Small Rooms

Big Mistakes for Small RoomsMany homeowners make big mistakes for small rooms when decorating and furnishing. Decide how you want to use the room and then follow the advice below.

Don’t play it safe, don’t paint the walls white, and whatever you do, don’t cram in too much stuff! Here are the best tips and tricks for small spaces.

1. Playing it safe
Instead, put a large-scale printed fabric or wallpaper on the walls and even the ceiling. It’s easier, safer, and less expensive to be dramatic in a small space. You might get tired of a bold print in the main living area, but it can make a smaller, less-used room an exciting space to spend time.” -Victoria Neale

2. Cramming the space with too much stuff
A large piece of furniture can actually make the space feel larger, as long as it’s selected carefully. For instance, if you have the benefit of high ceilings, a tall cabinet appropriately placed has the effect of drawing one’s eye upward and away from the small footprint of the room. Just make sure every piece counts and holds its place and lets your eye rest.” -Laura Kirar

3. Not strategizing
Decide everything that needs to happen in a room, and then work that legerdemain, baby. Divide a room geometrically into task-oriented zones-working, sleeping, relaxing, dining. Think in halves, quarters, or even on the diagonal and assign a function to each section.” -Elaine Griffin

4. Not paying enough attention to the color of flooring and walls.
Lighter walls and lighter floors do automatically give the illusion of more space.” -Mary McGee

5. Small furniture and light colors
People think that they need to use small furniture and light colors to make a small room look big, but that’s not the case at all. Dark colors and just a few pieces of large-scale furniture, with the appropriate lighting and accessories, can give a room a larger, more luxurious feel.” -Mona Hajj

6. Ignoring the space
Often, a small space is a missed opportunity. Turn it into a jewel box. For instance, I turned a small room in my apartment into a luxurious retreat. I upholstered the walls in a soft chalk-striped brown wool flannel, coffered the ceiling applying custom-designed ‘faux bois’ wall covering in the coffers, laid a plush red carpet, installed a flat-screen TV on a flexible mount, hung an oversize faux-tortoise-frame mirror to create more dimension, and, finally, designed a custom-made sectional sofa to optimize the space. Now it’s a cozy space my whole family uses.” -Philip Gorrivan

7. White Walls
Paint the room a dark charcoal gray or Ralph Lauren’s Black Truffles, one of my favorites. This will actually really open up the space.” -Paul Mathieu

8. Bigger is not always better
“Proportion and scale are vital. Custom upholstery is essential if you want to avoid burdening a room with furniture that looks like it’s on steroids. You should have furniture made in the correct width, height, and depth for the scale of a room. For smaller rooms, I try to avoid anything over 36 inches deep. Better not to overpower a room with the steroid-injected, super-deep models made to fill titanic spaces in McMansions.” -Todd Klein


Turn-key 4 bedroom 2.5 bathroom home in Mountain Bridge

This turn-key 4 bedroom 2.5 bathroom home in Mountain Bridge looks out to scenic mountain views within the Mountain Bridge gated community.This 4 bedroom 2.5 bathroom home in Mountain Bridge has an open floor plan with over $30K in beautiful upgrades and a gorgeous yet easy to maintain backyard. All you need is to kick back and relax beside your private pool & spa in this 4 bedroom 2.5 bathroom home in Mountain Bridge. Wait until you see the pool lighting at night! The huge loft provides space for anything you fancy. To make it sweeter, this 4 bedroom 2.5 bathroom home in Mountain Bridge is an SRP PowerWise Home – built with energy efficient features. The Owners Club offers upscale resort-style living, complete with fitness facility and many other recreational amenities. While the community is exclusive in location, it is within a mile of the 202 freeway, and has easy access to the airport and downtown Phoenix. You have to check out this 4 bedroom 2.5 bathroom home in Mountain Bridge!

Turn key 4 bedroom 2.5 bathroom home in Mountain BridgeListing Provided by ARMLS

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Turn key 4 bedroom 2.5 bathroom home in Mountain Bridge

Mountain Bridge Community in East Mesa AZ

Mountain Bridge, set amidst the prestige and beauty of scenic mountains. This new signature community for all ages features 45% open space including Extensive Trails and Paths. Covered Grand Entryways, Clock Tower, Rustic Old World, Mediterranean and Andalusian architecture in small gated neighborhoods with open space behind every home. The Mountain Bridge Owners Club with resort-style amenities offers heated pool, spa, fitness, tennis, event lawns, parks, and lifestyle activities. Great schools, dining, shopping, boating and recreational areas just minutes away!

Mesa Schools

Mesa Demographics


Turn key 4 bedroom 2.5 bathroom home in Mountain Bridge

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Turn key 4 bedroom 2.5 bathroom home in Mountain Bridge

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