Chateau De Vie Community Connection - Latest Comments

Re: Curbs and Sealcoat

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Re: Prices Continue to Fall in Chateau de Vie

Jon Griffith — Tue, 08 Mar 2011 21:26:22 -0000

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The Bank is Taking My House!

Is this a true statement for you? If it is, there's hope for your
situation. When you go too long without paying your mortgage, your lender
exercises their right to call your loan due and payable in full, and they
issue a Notice of Trustee's sale. This notice is public record, and its
design is to let you know that in 91 days, your house will be put up for
auction, and the result will be a big fat "F" on your record. It's
frightening and can be very embarrassing, but you must know that you are not
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[2]The Most Expensive Homes on the Market
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I love looking at luxury properties, and every once in a while I poke around
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price of $10 Million and I found 15 beautiful homes, three of which are
north-east of the Loop 101 in Scottsdale, and the remainder nestled smack
dab in the middle of Paradise Valley. If you're up for a few moments in
dreamland, check them out here.

Chateau de Vie Homes

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Historic homes in the Coronado District offer charm that is unparalleled in
any other part of the valley for the price. This week's pick is a
wonderfully remodeled 3 Bedroom, 2 Bath single family home on 11th Street.
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Re: 2010 Sold Properties Map and Annual Real Estate Update

Jon Griffith — Tue, 08 Mar 2011 21:26:20 -0000

Re: Property Spotlight: The Difference Remodeling Makes

Jon Griffith — Tue, 08 Mar 2011 21:26:19 -0000

Re: Prices Continue to Fall in Chateau de Vie

Jon Griffith — Sat, 26 Feb 2011 07:59:43 -0000

Firstly, I really appreciate your comments, and I agree with your sentiment;
sites like this are designed to engage the community, and visitor comments
and conversations should be left on the table. Your post should already be
live for all to see, as well as this response. Thank you for taking the
time to comment.

I never doubted what you told me about your property. I'm simply reporting
the facts as a service to the community as unbiased and 3rd party as
possible.

My concern centers around the community and property values, and I watch the
market. I also know that there's a formula that can be used to draw offers
on short sales, and I didn't see any changes over a long period of time on
your listing, so I wasn't sure if it would ever sell.

There is a point where you have to weigh what is best for you and what is
best for the community, and I would never hope for you to sacrifice your
well being for everyone else, especially in a situation like this, where
you're feeling backed into a corner by your lender. A lot of us are in the
same boat...and unfortunately that boat is sinking.

I would agree that once you're in this position, it's sink or swim, and what
happens to the values around the neighborhood as a result of your distressed
property sorta become second to the problem at hand.

My job, now and into the future, is to help those who are headed for what
you're experiencing achieve the results they need as quickly as possible.
I'm sure that your realtor is doing a great job and can advise you amply
through this time.

I agree about the fact that there is much more to what's going on than what
can be seen in the MLS, which is why my article's tone should reflect only
the facts that can be seen by the public already.

Banks postpone trustee sale dates all the time, but in 100% of the cases
that I have represented, none of them have been postponed without an offer
being on the table. If there's one rule about distressed properties and
short sales, it's that the rules are always changing, and what banks did
last month may not be what they do this month. Your situation has been
interestingly unique, as there have been multiple postponements without an
offer, which is very uncommon, but also beneficial to you. I'm glad they've
done it. It's refreshing, actually.

Your diligence in keeping in touch with the lender is probably a major
factor in their decision to keep moving forward with you. If more people
would do that, we'd have less problems.

Our community really took a valuation hit when our neighbor sold at
$108,000, which was about $15,000 below what it should have sold for.
Unfortunately, it hurt everyone, including your sale. They had plenty of
equity, and could have gotten more for it.

I'm extremely happy to see that you have a contract on the house. I hope
that the lender accepts the offer.

Re: Property Spotlight: The Difference Remodeling Makes

Jon Griffith — Fri, 25 Feb 2011 20:48:11 -0000

Thanks! Greatly appreciated.

Jon Griffith | REALTOR®
(602) 312-3262 T
(602) 535-3848 F
www.RealScottsdaleLiving.com
www.JonGriffith.com
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Re: Prices Continue to Fall in Chateau de Vie

Jacque — Fri, 25 Feb 2011 13:36:05 -0000

Jon, from your first post; curious as to why you have wondered about my property since you ask me about it every time I see you and I am always forthcoming.

In conversation it is mention how my agent is not doing a very good job and how you would handle it; I always take your advice with consideration and discuss with my agent.

There have been two sales in Chateau 5 that were listed and sold below $100.000; one in December and one early this month. This is nothing new.

When 5963 was first listed, $130,000 was competitive. When 5959 lowered their price it no longer was. However, the bank had told us they would not take anything less than $127,000 based on two BPO’s.

The first agent wanted to lower it to $95,000 well below what was competitive at that time and lower than a home with damage that went on auction. The issue then became how that price would hurt my neighbors most of whom I have come to care for.

Another neighbor pointed out that if others in the community were in my position, they would not take such matters into consideration for the community and do what works for them, not their neighbors. I now agree. Ultimately, we both know that the bank only, can decide on price and what a property sells for.

Being diligent and a responsible property owner, many HUD programs that were offered were pursued. Everyday the news reports how banks have not been willing to truly help.

As you know, banks make more money from the insurance, bailout money and reselling the property themselves, making more than what is owed so there is very little incentive to help a homeowner even one that meets the requirement of hardship and has worked hard with the banks, including keeping up with fees, insurance, etc, when most would not.

There is so much more to what is actually occurring than what can be deducted from watching a listing in ARMLS. The March date you reference is just another date that happens every month.

It would help others to understand the process if that process was explained. A foreclosure date is something the bank can choose to execute or push back like they did many times, every month.

I met the requirements for hardship; the small timeshare company that employed me was hit hard in the economy. There were two salaried employees, myself and my boss. The company by law does not have to offer COBRA if less than 20 employees. Three weeks later, with no insurance I was diagnosed with aggressive breast cancer.

On AHCCCS, which I will be losing being "single without children" in September, will only allow a person to make $906 per month or you loose all medical coverage. Unemployment is greater than that by about $120.00, thus unemployment an option, being thrown off AHCCC because of that small amount during chemo, choosing to no longer receive unemployment when health is the priority. Insurance with a new employer is also hindered by pre-existing conditions. My hope is no one else will be put in deciding between their health and house.

My mortgage was paid with what little I had for a year before money ran out.

The bank allowed the house to be on market as long as it did because I kept in contact with them, pursued programs that were offered, even though they ultimately did not help, and maintained the house and HOA dues.

There has been feedback from the agents that have shown the property to investors, which I will be happy to address face to face as well as the reasons for the changes in agents, valid concerns regarding both.

My hope is that you will post this as is. A site like the one your created should be a two way communication.

By the way, if all goes well, you will truly like your new neighbors.

Re: Property Spotlight: The Difference Remodeling Makes

Lcowgill — Thu, 24 Feb 2011 13:32:05 -0000

Terrific article!! Very informative.

Re: 2010 Sold Properties Map and Annual Real Estate Update

Jon Griffith — Sun, 16 Jan 2011 19:35:54 -0000

Pat, since I'm not a member of Chateau de Vie V, I don't have access to HOA

information, but I am in touch with the real estate market and could give

you a run-down on the conditions of your sub-division too! Just let me know.

Re: 2010 Sold Properties Map and Annual Real Estate Update

Prennert — Sat, 15 Jan 2011 19:57:21 -0000

Hi, do you ever post anything about Chateau DeVie V?

Pat, home owner in V

Re: Chateau De Vie Resident Community Blog Launched

Phil Griffith — Wed, 01 Sep 2010 20:36:50 -0000

Jon: This is a terrific website for the folks at Chateau De Vie 6,. Hope the like it and use it. I wanted to do this when I lived there. Didn’t know how. Glad you came along!! L, Dad