Paradise Valley, Scottsdale and Northeast Phoenix real estate and homes for sale in Arizona - BJ and Chris Cole, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us... 

"I Have the Utmost Respect for You"

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"She Was Way Ahead of Any Problem"

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"thank you, Thank You, THANK YOU"

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"We Rely on Your In-Depth Knowledge"

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"You Listen to My Needs"

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"You Responded Quickly"

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Real Estate Tips
First Time Buyers >Affording A Home

Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.

As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.

Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.

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Real Estate Trivia
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What area was designed to look like a 1940s southeastern town with traditional architecture?

A 
Disney's "Celebration" in Orlando, FL, will eventually have 8,000 houses and many commercial tourist attractions.
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BJ and Chris Cole, REALTOR®, real estate agent and broker for Paradise Valley, Scottsdale and Northeast Phoenix, Arizona home listings, property and land for sale - NUMBER1EXPERT

BJ Cole
John Hall and Associates

11211 North Tatum Blvd., Suite 200
Phoenix, AZ 85028
BJ Cole: (602) 510-7478
Fax: (480) 368-5140
bj@coleteam.net


Chris Cole
John Hall and Associates

11211 North Tatum Blvd., Suite 200
Phoenix, AZ 85028
Chris Cole: (602) 510-7286
Fax: (480) 368-5140
chris@coleteam.net
BJ and Chris Cole, REALTOR®, real estate agent and broker for Paradise Valley, Scottsdale and Northeast Phoenix, Arizona home listings, property and land for sale - NUMBER1EXPERT

Hello and welcome to the Valley of the Sun!! We want to be the first to congratulate you on your decision to locate here. Whether it is Scottsdale, Paradise Valley, northeast Phoenix, Carefree, Cave Creek, or elsewhere in the valley, we would love the opportunity to match you with the right home.

Our area of expertise is matching our clients with the homes of their desires. Our business relies greatly on Personal Referrals and Repeat Business which we could only achieve with great personal attention and outstanding customer service both during and after our clients' transactions.

B.J. has been a Realtor since 1987 and an Associate Broker with John Hall and Associates since 2000. She holds the ABR designation (Accredited Buyer's Representative) and as such will represent your best interests and work on your behalf. Her personable style puts clients at ease and her success at matching clients with the right home has won her innumerable personal referrals. BJ has had several awards over her career and was featured in Broker/Agent magazine for her exemplarily service.

If you are selling your home, B.J. has excellent marketing strategies and will get the highest possible price for your home as quickly as possible. You are paying her to handle the details and that is what B.J. excels in. Her negotiating skills are unsurpassed and she excels in personal service.

Chris has been an agent/appraiser for over 22 years specializing in exceptional homes and relocation assignments. He holds the CRP (Certified Relocation Professional) designation awarded by the Employee Relocation Council and the SRA designation for appraising awarded by the Appraisal Institute. With over seven thousand appraisals performed over his career, his knowledge of the market can be a great asset for pricing properties on the listing side and preventing major mistakes on the purchasing side of your transaction. While Chris will be acting strictly as your agent, you can rest assured that he has the added expertise you need given current market conditions. If you are relocating, his affiliation with the Employee Relocation council will be an additional asset. "I know that moving can be both exciting and extremely stressful and it is my job to make the process as easy and fun as it should be."

If you are in the market for an exceptional home, Chris has the experience and knowledge which is unsurpassed in the local market. In just the past ten years, he has valued over 1400 million dollar plus homes in north Scottsdale and over 500 million dollar plus homes in Paradise Valley. He has been involved in more multi-million dollar transactions on a monthly basis than most agents are involved with in any given year. While this may sound somewhat boastful, having this kind of knowledge and experience working for you can be an invaluable asset to you. Given today's market conditions, why take the chance? Chris has an extensive network of other agents, builders, and lenders. He has also built and renovated homes so he may pick up details in construction that others would miss. If you are in the market for an exceptional home, Chris would be like to represent you.

We both look forward to welcoming you to the Valley of the Sun and being the only Realtors you will ever need here.

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