Blog Post – September 24, 2012

Earlier today, I received a telephone solicitation from a representative of, a website that supposedly helps consumers, who are going through the foreclosure process, get connected to foreclosure lawyers in their city. At first glance, this appears to be a legitimate business fulfilling a need for those going through a very tough situation. Unfortunately, [...]


New FHA Rules Regarding 90 Day Hold on Properties

You may have heard that HUD recently relaxed, under certain circumstances, the requirement that a seller hold a property for 90 days before selling to an FHA buyer. This so-called “Flipper” rule is designed to protect buyers, but HUD has found that in certain circumstances this requirement is inhibiting the revitalization of neighborhoods. The following [...]


SB 1271 – Arizona Anti-Deficiency Law Repealed.

On September 4, 2009, at approximately 1:20pm, Governor Brewer signed HB 2008 which repeals SB 1271 and its changes to the Arizona anti-deficiency statute.  For now, Arizona’s Anti-Deficiency Statute will remain in favor of Arizona homeowners. Expect lenders to be a little bit more favorable to loan modifications and short sales now that SB 1271 [...]


State of Arizona’s Minimum Coverage: What Does It Entail?

Car insurance companies in Arizona are required to offer a basic state-mandated policy, in order to provider coverage in case of injuries from accidents. Although it follows that the more coverage you purchase, the better you’re protected from financial risks, the state requires only that you meet minimum requirements. As such, Arizona law dictates the [...]


Comprehensive Insurance: Are You Fully Covered

Comprehensive coverage includes protection from the consequences of fire and theft, as well as vandalism, lightening, flooding, and other external factors outside of your control.  Comprehensive insurance is effective if you want maximum protection for your vehicle, especially if your vehicle is newer. Likewise, if you obtained a loan to purchase your vehicle, comprehensive insurance is generally required during the term of your [...]


Additional Types of Car Insurance

MedPay – Medical Payments benefits (or “MedPay”) provide an added layer of coverage within an auto insurance policy. In some states MedPay is known as personal injury protection, or “PIP” coverage. MedPay provides payment for necessary and reasonable medical expenses incurred as the result of a car accident. This coverage is available to you or [...]


State-Mandated Third Party Liability Coverage

Arizona Law mandates the purchase of liability insurance to cover bodily injury and property damages that you may cause in an accident. The minimum liability insurance required is 15/30/10.  This means that your liability insurance will cover bodily injury claims up to a maximum of $15,000 per person and a total of $30,000 per accident.  [...]