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Real Estate Resources:

• Special Offers - Special offers for Paradise Valley, Scottsdale and Northeast Phoenix homeowners from BJ Cole.

• Affiliates - BJ Cole's real estate web site affiliates.

• Link Partners - BJ Cole's real estate web site links to other sites about property selling and buying in this area of Arizona.

• eNewsletter - BJ Cole's Paradise Valley, Scottsdale and Northeast Phoenix newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Arizona, and United States.

• Market Conditions Report - Market conditions report for this area, Arizona, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Paradise Valley, Scottsdale and Northeast Phoenix Arizona mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Arizona or buy your own Paradise Valley, Scottsdale and Northeast Phoenix house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Paradise Valley, Scottsdale and Northeast Phoenix mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Arizona real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask BJ Cole anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - BJ Cole's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - BJ Cole's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Paradise Valley, Scottsdale and Northeast Phoenix property in Arizona, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Paradise Valley, Scottsdale and Northeast Phoenix Homes, For Home Buyers, For Home Sellers, Paradise Valley, Scottsdale and Northeast Phoenix Information, Real Estate Resources, and About BJ Cole.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Arizona Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Paradise Valley, Scottsdale and Northeast Phoenix

Buyers Remorse >The Blues of Buyers Here is an illustration of what you might go through as a homebuyer when the real estate agent calls to say that your offer has just been accepted. Although you are ecstatic when your agent congratulates you, your initial euphoria may be short-lived if you begin to have second thoughts about the purchase. You may look at the amount of cash required for the down payment and closing costs, and feel that you won't be able to enjoy a restaurant meal or a shopping spree for months! The mortgage added to the interest payments over thirty years seems like an outrageously high sum. Finally, you stare at the inspector's report and convince yourself that the roof will blow off and every major system will fail the day after you move in. You're in a frenzy. You ask yourself, "What am I doing?" If you begin having doubts about your home purchase, the wisest approach is simply to relax! These feelings are so common that they have been given a name--"Buyer's Remorse." "Buyer's Remorse" is almost always a temporary malady, so please call your real estate agent if you are having an extreme attack. Your agent has experience in helping clients through the home-buying jitters. See All Tips In The "Buyers Remorse" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is the average age range of a second-home buyer in the United States? A  Currently, second-home buyers in America are most often between 41 and 44 years of age. See More Real Estate Trivia >

BJ Cole John Hall and Associates 11211 North Tatum Blvd., Suite 200 Phoenix, AZ 85028 (602) 510-7478 Fax: (480) 368-5140 bjcole@NUMBER1EXPERT.com Hello and welcome to the Valley of the Sun!! I 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, I would love the opportunity to match you with the right home. My area of expertise is matching my clients with the homes of their desires. About 85-90% of my business is from Personal Referrals and Repeat Business which I could only achieve with great personal attention and outstanding customer service both during and after my clients' transactions. I have been a Realtor since 1987 and an associate Broker with John Hall and Associates since 2000. I hold the ABR designation (Accredited Buyer's Representative) and as such will represent YOUR best interests and work on YOUR behalf. If you are SELLING, I have excellent marketing strategies and will get the HIGHEST POSSIBLE PRICE for your home as quickly as possible. You pay me to handle the details and that is what I excel in. I look forward to welcoming you to the Valley of the Sun and being the only Realtor you will ever need here. www.DiscoveringScottsdale.com is brought to you by BJ Cole NUMBER1EXPERT™ in real estate for Paradise Valley, Scottsdale and Northeast Phoenix, Arizona Read BJ Cole's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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