Buy a Home in Buckeye for No Money Down with a USDA Home Loan!

Many people opt-out of city life, settling down in quaint little suburbs and rural towns. Low- to middle-income families who choose to do this get one big benefit—the no money down USDA home loan. Right outside of Avondale, Goodyear and Litchfield Park, properties qualify for the USDA home loan. The whole area of Buckeye, AZ is eligible. The mortgage program boasts some of the best benefits out of all home loan programs.

• $0 Down
• Low Interest Rates
• Small Guarantee Fee Rolled into the Loan Amount
• 100% Financing
• Use Gifted Funds
• No Mortgage Insurance (a small annual fee of .03%)
• No Cash Reserves Required
• Lenient Credit Standards
• Lowest Foreclosure Rate of All Government Loan Programs

The USDA’s guaranteed home loan program is developing rural towns all over the country, boosting the economy and creating more sustainable lifestyles. At first, the program was geared towards farmers. However, the Department quickly realized that moving in regular families with limited opportunities for work in the cities would benefit rural and suburban areas. Now, the perception of rural areas has changed. People relocating to rural areas are living healthier, more sustainable and active lifestyles. They recognize the importance of nature, local food and efficiency. They also save a ton of money in comparison to city dwellers!

Applying and Qualifying

An applicant will need…

1. Good credit (620 score and above)
2. 29/41 debt-to-income ratio. You can calculate your ratio through Transunion online.
3. Meet income eligibility requirements for the area in which you will buy the home.
4. Be interested in a home with a population 25,000 or less. Some USDA approved areas are right outside major metropolitans, so you do not have to give up city-living completely.
5. All homes under the program must pass an appraisal and the USDA gives incentives for energy-efficient homes, resulting in lower utility bills.

West Valley Home Team Realtor®, Cinda Rose, can help you find your perfect rural home within Buckeye or outside of Avondale.

If you have any more questions about the loan, be sure to speak with our USDA loan experts as well.

Jasmine Reese is a rural home loan writer for USDA loans.com, a company devoted to rural and suburban development through lending.

Out and About in Litchfield Park – Things To Do This Weekend 2/3/12

Welcome to the West Valley Home Team’s Blog “Out and About in Litchfield Park,” featuring things to do in Phoenix’s West Valley, including Litchfield Park, Goodyear, Avondale and the surrounding areas.  If you have an event that you would like to add contact us at cinda@wvhometeam.com.  We’d be glad to add it.  Don’t miss this week’s fun events like Farmers markets, hiking and an outdoor concert featuring local favorite, country music singer Mary Hoffman.

Friday February 3rd

Mary Hoffman Performs at Red Allen’s at Wigwam in Litchfield Park.  A Valley favorite who has been gracing us with her beautiful voice and country music for over 10 years.  She will be performing from 5pm to 8pm.  For more information visit her website at www.maryhoffman.net.

Family Half Moon Hike at White Tank Park.  Enjoy the Waterfall Trail by moonlight.  This two mile hike starts at 7pm.  No dogs allowed, meet at Area 6.  There is a $6 per vehicle park entry fee.  For more information visit the Maricopa County Parks website.

Saturday February 4th

Avondale Farmer’s Market.  Shop for fresh, locally grown foods and hand-crafted goods at Friendship Park in Avondale every Saturday.  The market runs from 8am to 12pm.  For more information visit www.arizonafarmersmarkets.com.

Medieval Times at the Avondale Public Library.  For ages 6 thru 12, kids can come learn about the lifestyle and arts of the medieval times.  For more information visit the City of Avondale website.

Sunday February 5th

Wigwam Farmer’s Market at Wigwam in Litchfield Park.  Want fresh produce but don’t have time for a garden?  Check out the Wigwam Farmer’s Market every Sunday.  Shop for fresh produce from local farmers as well as work from local artisans and all kinds of yummy foods on the beautiful front lawn of the Wigwam.  1st Sundays of the month include an Educated Eater Experience.  Market runs from 8:30am to 12:30 pm.  For more information visit www.wigwamresort.com.

Upcoming Events:

Wigwam Festival of Fine Arts Feb 10-12 at Wigwam in Litchfield Park.  Enjoy three days of outdoor dining, world-class art and exciting entertainment on the Front Lawn of the Wigwam.  The event runs from 10am to 5pm each day and admission and parking is free.  For more information call 623-734-6526.

Healthy Litchfield Park II:  Healthy Game Day on Feb 18th.  The next event in the City of Litchfield Park’s Healthy Litchfield Park series includes a health fair, music and dancing, inflatable bouncies, healthy foods and more.  If you are interested in being a vendor at this event contact Mary Liotta at 623-935-9040.  The event will be held at the Aleppo Park at 940 W Village Parkway.  For more information visit the City of Litchfield Park website.

Arts in the Park Concert at Wigwam in Litchfield Park Feb 19th.  Mary Hoffman will be performing on the Front Lawn of the Wigwam from 3pm to 5pm.  Bring your lawn chairs and enjoy the sounds of live country music.  Mary Hoffman has been playing music around Arizona for 10 years and is a Valley favorite.

Enjoy Your Weekend!

The West Valley Home Team has the Certified Short Sale Negotiator (CSSN) certification. The CSSN certification is focused on the short sale process and the different negotiation techniques required to successfully negotiate a short sale.

I’ve lived in the West Valley for 34 years and absolutely love working where I live. The West Valley Home Team is here to serve all of your West Valley Real Estate needs. Whether you are buying or selling a home, looking to sell your home with a short sale or interested in purchasing a foreclosure please give us a call!

A CDPE® is a real estate professional with specific understanding of the complex issues confronting the real estate industry, and the foreclosure avoidance options available to homeowners.

CIAS-designated agents can streamline the process of real estate investment to increase returns for investor clients. CIAS-designated agents help real estate investors navigate: Investment Strategies, Self-directed IRAs, 1031 Exchange, Leverage Options, Key Calculations, Return-on-Investment, Capitalization Rate, Average Returns, Cash Flow and much more!

Buckeye Days Celebrates Arizona’s Centennial This Weekend

Buckeyes Days is back with three days of Old West fun!  Here’s a schedule of events:

Friday Night

6th Street Plaza 6pm to 10pm:  Live Country Music, Chuck Wagon BBQ Dinner, Arizona Hold’em Poker Tournament, Carriage Rides Trivia Challenge.

Saturday

Historic Downtown Buckeye 10am: Old West Cattle Drive and Parade.  Cowboys will be driving 50 head of cattle through downtown Buckeye as part of the parade!  The parade will also have cowboys, horses, cars, tractors and more.

6th Street Plaza 11am to 2pm:  Live Country Music, Old West Gun Fight, Lil’Miss and Mister Buckeye, Pony Rides, Games, Kid Zone, Old Fashioned Photos.

South Buckeye Equestrian Center 2pm:  Buckeye Senior Pro Rodeo.  After dinner enjoy a steak dinner and a Charity Scholarship Auction.

Sunday

South Buckeye Equestrian Center 2pm:  Buckeye Senior Pro Rodeo and Outlaw Chili Cook-Off.

For more information visit the Buckeye Valley Chamber of Commerce.

Enjoy Your Weekend!

Out and About in Litchfield Park – Things To Do This Weekend 1/27/12

Welcome to the West Valley Home Team’s Blog “Out and About in Litchfield Park,” featuring things to do in Phoenix’s West Valley, including Litchfield Park, Goodyear, Avondale and the surrounding areas.  If you have an event that you would like to add contact us at cinda@wvhometeam.com.  We’d be glad to add it.  Don’t miss this week’s fun events like Farmers markets, hikes and a classic car show.

Friday, January 27th

Celestial Petroglyph Hike at White Tank Park.  Reservation required for this hike into a restricted area of the park where some very unusual petroglyphs can be viewed.  Call 623-935-2505 to make your reservation.  Hike can be too strenuous for small children and those with physical limitations due to some rock climbing and sand.  No dogs allowed.  Meet at Area 7 at 10am for this 2.5 hour hike.  For more information visit www.maricopa.gov/parks.  There is a $6 per vehicle park entry fee.

Saturday, January 28th

E-Waste & Shred Event at Estrella Mountain Community College Campus.  Recycle your electronic waste from 8am to 1pm this Saturday.  Bring items such as computers, batteries, printer cartridges, mobile phones and more.  For a complete list of items visit www.avondale.org or call 623-935-8319.

Avondale Farmers Market.  Held at Friendship Park each Saturday.  Shop for fresh, locally-grown food along with products and hand-crafted goods.  For more information visit www.arizonafarmersmarkets.com.

Peoria Farmers Market at Park West.  According to their website this farmers market draws around 1,500 attendees and up to 75 vendors making it the largest and most diverse farmers market in the West Valley.  They even have a petting zoo…For more information visit the Park West website.  Park West is located at the 101 and Northern Ave.

Kids Photo Hike at White Tank Park.  Kids need to bring a camera for this fun discovery-type scavenger hunt where they collect photos instead of items.  Call ahead for reservations as space is limited to 15 children (must be accompanied by an adult).  The .3 mile flat, easy hike will be along the Mule Deer Trail, meet at the Nature Center at 10am.  Call 623-935-2505 to make your reservation.  For more information visit the Maricopa Parks & Recreation website.  There is a $6 per vehicle park entry fee.

Westgate Hot Rods & Classic Car Show in Glendale.  Bring your car or just come to check out some cool cars!  All cars are welcome to this family friendly event featuring hundreds of hot rods and classics at Westgate’s Cruz-In.  From 8am to 1pm.  For more information visit the Westgate website.

Wine Tasting at Ground Control in Goodyear.  Costs $15 and runs from 7pm to 10pm.  For more info visit Ground Control’s website.

Sunday, January 29th

Wigwam Farmers Market in Litchfield Park.  Enjoy breakfast and shopping!  Shop for locally produced food on the Front Lawn of the Wigwam.  8:30am to 12:30pm.  For more information visit www.wigwamresort.com.

Petz Place Farmers Market in Goodyear.  Located in the Estrella Crossings parking lot at 3690 S Estrella Parkway.  Tonopah Rob and others offer all-natural fresh local veggies and other goodies from 8 am to 1pm.  for more information visit www.tonopahrob.com.

Bird Walk with Sonoran Audubon at Estrella Mountain Regional Park.  Join the Sonoran Audubon for 2 hours of watching the fantastic bird life at Estrella Park.  Over 150 different species can be found.  Bring your own binoculars and books if you can as supplies are limited.  Meet at east side of turf in dirt parking lot at 8am. For more information visit the Estrella Mountain Regional Park website. There is a $6 per vehicle park entry fee.

Upcoming Events

Adults Only Half Moon Hike at White Tank Park February 2nd.

Family Half Moon Hike at White Tank Park February 3rd.

Valentine Luminary Walk at White Tank Park February 10th.

Arts in the Park Concert February 19th.

Litchfield Park Friends of the Rec 10K, 5K, 1 Mile Fun Run/Walk & Family Classroom Challenge March 3.

Enjoy Your Weekend!

Goodyear’s 6th Annual Heart & Sole 5K Run/Walk & 1 Mile Fun Run/Walk will be held Saturday February 18th at Goodyear Ballpark starting at 8am.  The event it presented by the West Valley Hospital and you can run or walk in the 5K competition or just for fun in the 1 Mile event.  Medals and trophies will be awarded and all participants receive a t-shirt, goody bag, snacks, Mardi Gras beads and after race raffle.  All finishers receive a ribbon.

The event begins and ends at the Goodyear ballpark where there will be music, vendors and food concessions.  You can register online at http://www.active.com/running/goodyear-az/heart-and-sole-5k-run-walk-and-1-mile-fun-run-walk-2012 or at the Goodyear Recreation Office at 3075 N Litchfield Road.  Save $5 and register before February 16th.  You can also register on race day.  For more information visit the City of Goodyear Website.

Out and About in Litchfield Park – Things To Do This Weekend 1/20/12

Welcome to the West Valley Home Team’s Blog “Out and About in Litchfield Park,” featuring things to do in Phoenix’s West Valley, including Litchfield Park, Goodyear, Avondale and the surrounding areas.  If you have an event that you would like to add contact us at cinda@wvhometeam.com.  We’d be glad to add it.  Don’t miss this week’s fun events like Arts in the Park Concert in Litchfield Park and stargazing at White Tank Mountain Regional Park.

Saturday, January 21st

Litchfield Park Town Hall Meeting.  Litchfield Park residents are invited to attend a Town Hall meeting from 9am to 11am at the Church of Litchfield Park.  For more information visit the City of Litchfield Park website.

Avondale Farmers Market.  8am to noon at Friendship Park in Avondale.  The market features produce, fresh locally grown foods, beef, pork, bread, roasted chilies, cheese, pasta and pastries.  For more information visit the City of Avondale website.

Stargazing at White Tank Mountain Regional Park.  Watch a slide presentation and then view the night sky through a telescope with Dr. Tony LaConte.  Meet at Area 4 about 7:15pm, program starts at 7:30pm.  Bring a lawn chair.  Program runs until 9:30pm.  For more information visit www.maricopa.gov/parks.  There is a $6 per vehicle park entry fee.

Saturday, January 21st

Wigwam Farmers Market.  Shop for local produce and food from 8:30 am to 12:30pm on the front lawn of the Wigwam.  for more information visit www.wigwamarizona.com.

Arts in the Park Concert at Wigwam in Litchfield Park.  From 3 to 5pm local country band Rondavous will perform on the front lawn of the Wigwam.  Rondavous is one of the top country bands in the area so don’t miss out on this FREE event!  Bring your blankets and lawn chairs.  For more information visit the City of Litchfield Park website.

Upcoming Events:

Bird Walk with Sonoran Audubon at Estrella Mountain Regional Park January 29th.  This hike will be every fourth Sunday ending in April.

Heart & Sole Run/Walk February 18th.  At Goodyear Ballpark.

Arts in the Park Concert at Wigwam in Litchfield Park February 19th.  Featuring Mary Hoffman.

Arts in the Park Concert at Wigwam March 18th.  Featuring Night Groove.

Arts in the Park Concert at Wigwam April 20th.  Featuring Thaddeus Rose Band.

Enjoy Your Weekend!!