buyers inital meeting packet

8/3/2019 Buyers Inital Meeting Packet

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BuyersGuide A

Short SaleHome Purchase

Presented to You By

Shaunna PattersonShort Sale Purchase Specialist & Master Short Sale Consultant


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What is a Short Sale?

The home may be over-leveraged or underwater

The seller may behind on payments and cannot sell for high enoughto cover what is owed plus other required fees to close.

Lenders created short sales as a foreclosure alternative

Lenders would rather allow sellers to short sale versus foreclosing.

Foreclosing on properties costs lenders money

. There is more debt owed against a property than thepropertys value. In a loan default situation, (pre-

foreclosure) the creditor(s) may be willing to agree toallow the property to be sold for less than the loan

amount and/or accept less than (or short) the amount

owed as payment in full.________________________________

Shaunna Patterson 623 218 3341


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How Does A Short Sale Differ From OtherTransactions

Short Sales have a longer approval processbecause:

Seller must qualify for a hardship

Sellers must provide documentation

An evaluation of market value must beconducted by the sellers lender

More parties are involved in the approval

process



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Should You Place An Offer OnA Short Sale

Do not have a home to sale Able to wait weeks or months before receiving

an answer to their offer Flexible on terms Flexible on closing

Willing to purchase a home AS-IS Have solid financing with no financing

restrictions such as excessive contributions

Short Sales transactions require buyerswho meet specific qualifications.



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Parties Involved In ATypical Real Estate TransactionAGENTS

TITLE SELLER BUYER

APPRAISER

INSPECTORS

LENDER

UNDERWRITER

INVESTORGUIDELINES

Shaunna Patterson 623.218.3341


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Parties Involved In A Short Sale TransactionAGENTS

TITLE

LIENS

SELLER

HOUSINGCOUNSELOR

LOAN SERVICER

CUSTOMERCARE CENTER

SHORTSALEDEPARTMENT

BPO/APPRAISER

LITIGATION

MORTGAGEINSURER

MORTGAGEINVESTOR

PRIMARY

POOL

CLOSINGDEPARTMENT

BUYERS

INSPECTORS

APPRAISERS

BUYERS LENDER

UNDERWRITER

INVESTORGUIDELINE


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Why Should I Place an Offer On a ShortSale? There are no other properties available in

the areas they want to live

Property contains most of the items ontheir wish list

Condition of the property Not willing to purchase a home without

property disclosures Looking for a property under market value

Not in a rush and flexible on closing date Not concerned if their offer is rejected

Most buyers place offers on Short SaleProperties for one or more of the

following reasons:



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Searching For The Home Locate all properties that meet your needs including

Short Sales Qualify the Listing Agent Collect market data

Compare the Short Sale Property with Your Needs Provide you with community, city, and school

Information Schedule showings Help you complete the paperwork Present your offer

Schedule inspections Make sure you get timely updates on the progression

of your offer Manage the transaction

You Agent Will Help You



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Submitting An Offer Purchase contract Short Sale Addendum AS-IS Addendum

Fully Completed Loan Status Reportor a Loan Approval Verification of Funds If Paying Cash

Any Other Required Disclosures

Your Real Estate Agent Is Here to AssistYou!

What you will need to submit an offer on aShort Sale:

Shaunna Patterson 623.218.3341


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Why Your Agent is Best?They Know this niche market

They Know how to locate the

right property for youThey Work with a team of Experts

who are familiar with Short SaleTransactions

They are Ethically Obligated toProtect Your Interests



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In Conclusion Purchasing a Short Sale home

may require a little more patienceand additional documentationsubmitted with your offer, but it

just may be the path to findingyour next great investmentproperty or your familys dreamhome.

Shaunna PattersonShort Sale Purchase Specialist & Master Short Sale Consultant


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AN IMPORTANT NOTICE ABOUT POOL SAFETY*

Drowning is a serious threat to young children in Arizona. Young children also suffer from ahigh number of near drownings that may lead to permanent, severe disability. Most of these incidents occur in thechild's own backyard swimming pool. These tragedies must be stopped. To that end, the Arizona legislature has

passed a law requiring that new occupants of dwellings with pools, and persons having a pool installed, receive

this safety message about steps to prevent drownings and the legal responsibilities of pool ownership.

State of Arizona law requires a barrier between the house and pool.**

This law applies to homes with both a child under6 years of age and a pool built after June 1, 1991. This law aims to

impede children's access to their own pool. Likewise, all pools must have a barrier to keep out uninvited neighborhood

children.

Unless a local code provides otherwise***, the barrier must:

Entirely enclose the pool area.

Be at least 5 feet high, measured on the outside of the barrier.

Not have openings, handholds or footholds that can be used to climb the barrier. Wire mesh or chain link

fences shall have a maximum mesh size of 1 , inches measured horizontally.

Have no openings through which a sphere 4 inches in diameter can pass. Horizontal components of any

barrier shall be spaced not less than 45 inches apart measured vertically, or shall be placed on the poolsideof the barrier, which shall have no opening greater than 1 inches measured horizontally.

Be at least 20 inches from the water's edge.

Prevent direct access from the houseto the pool.Gates must be self-closing and self-latching with the latch located at least 54 inches above the ground or on the

poolside with a release mechanism at least 5 inches below the top of the gate and no opening greater than inch within

24 inches of the release mechanism, or be secured by a padlock or similar devise which requires a key, electronic

opener or integral combination, which can have the latch at any height. Gates must open outward from the pool.

If a wall of the home forms part of the barrier one of the following must be used:


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Supervision is the key to prevent drownings.

Never leave children unsupervised in the pool or inside the pool area - not even for a second!

Inform guests to your home of the importance of closely watching children around water. At parties, make

sure someone is always watching the children around the pool.

Don't count on barrier to keep children from reaching the pool. No barrier is foolproof Harriers only slow achild's access to the pool.

In case of emergency, act immediately!

1. Shout for help.2. Pull the child out of the water.3. Take the child to the phone and dial 911 (or the local emergency numbers) for help.

4. Check airway and breathing. If needed, start CPR immediately. CPR can save lives and prevent seriousinjury.

Other smart tips to protect children around water:

DON'T:

Don't keep toys tricycles or other playthings in the pool area. Also, remove items that a child could use toclimb ova the barrier.

Don't be distracted by phone calls, doorbells, or chores while children are in the pool.

Your full attention should be on the children.

Don't rely on swimming lessons or "floaties" to protect your children

D 't t


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Loyalty Agreement

This agreement among______________________________________(Buyer),Real AZtate (Broker) and Shaunna Patterson (Buyer Specialist), is in effect from thedate of signing until 9pm on the 90th day from date of signing, unless terminated inwriting by Buyer or Sales Associate.

1.Agency Consent and Acknowledgement. At the time of signing thisAgreement, Buyer is being represented by Buyer Specialist. Buyer acknowledges

receipt of the documentArizona state buyers advisoryand a copy of thisagreement. Buyer has been advised to seek legal and tax advise, and to obtainthe services of one or more professional home inspectors, in any transactionbuyer may enter.

2. Brokers Right to Receive Compensation. While this Agreement remains ineffect, Broker and its Buyer Specialist are the exclusive real estate licenseeworking with the Buyer to procure real property, and the Broker shall be entitled

to receive the published selling office commission or other agreed upon fee inany property transaction Buyer may enter. Buyer agrees to disclose thisagency relationship and right to compensation to all real estate brokersand licensees with whom Buyer may deal.

3. Buyer Specialists Responsibilities. Buyer Specialist agrees to make besteffort to find the home to meet Buyers needs. Buyer Specialist will commit their


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U.S. Department of Housing

and Urban Development

Federal Housing Administration (FHA)

Why a Buyer Needs a Home Inspection

A home inspection gives the buyer more detailed information about the overall condition of the home priorto purchase. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potentialnew home to:

aaEvaluate the physical condition: structure, construction, and mechanical systems;aIdentify items that need to be repaired or replaced; andaEstimate the remaining useful life of the major systems, equipment, structure, and finishes.

Appraisals are Different from Home Inspections An appraisal is different from a home inspection. Appraisals are for lenders; home inspections are for buyers.An appraisal is required to:

aEstimate the market value of a house;aMake sure that the house meets FHA minimum property standards/requirements; andaMake sure that the property is marketable.

For Your Protection:Get a Home Inspection

OMB Approval No: 2502-0538

(exp. 07/31/2009)

CAUTION

TION

TI

ON


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Goodyear, Maricopa County, Arizona

PHOENIX-GOODYEAR AIRPORT(NORTH) SUPERFUND SITE

U.S. Environmental Protection Agency $ Region 9 $ San Francisco, CA

The Environmental Protection Agency (EPA) released adocument entitled, Engineering Evaluation/CostAnalysis (EE/CA) for Perchlorate Treatment, Phoenix-Goodyear Airport (PGA) North Superfund Site,Goodyear, Arizona. The EPA developed the EE/CA re-port as the first step in a non-time critical removal action

to address perchlorate contamination in extracted ground-water at the PGA North Superfund Site (Site).

The EE/CA report provides information about the natureand extent of contamination and the related risks. Theprimary contaminants of concern associated with the Site

October 2007

Engineering Evaluation/Cost Analysis forPerchlorate Treatment

PUBLIC COMMENT PERIOD

A public comment period was held from August

18, 2007 through September 17, 2007. Duringthis time, copies of the EE/CA for Perchlorate

Treatment, PGA North Superfund Site,Goodyear, Arizona document was available forreview at the Information Repository located atthe Avondale Public Library, 328 West WesternAvenue, Avondale, AZ 85323; (623) 333-2665.The Draft EE/CA was also available at US EPAsSite Overview for the PGA site:


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Site Description andBackgroundThe former Unidynamics/Phoenix, Inc. (UPI) facility is

located on approximately 58 acres in Goodyear, MaricopaCounty, Arizona, approximately 17 miles west of down-town Phoenix. The physical boundaries of the UPI facilityare Van Buren Street to the north, Litchfield Road to theeast, a vacant field to the south and Union Pacific Railroadtracks to the west. The Site lies in the West Basin of theSalt River Valley.

The Site consists of an area of contaminated groundwaterthat encompasses approximately two square miles andoriginates at the former UPI facility. Active operationstook place at the facility from 1963 to 1994, includingmanufacturing and testing mechanical and electrical com-ponents used in defense and aerospace applications. Theprimary operations at the plant included manufacturingrocket propellant, processing and blending powder, assem-

bling ordnance, machining, testing explosives and ballisticsand related functions. Perchlorate is the primary chemicalingredient of solid rocket propellant. Historical recordsindicate that potassium perchlorate and ammonium per-chlorate were associated with wastes disposed at the UPIfacility.

In 1981 the Arizona Department of Health Services

Following a detailed review of technologies for perchlorateremoval, the EE/CA considers the following four removalaction alternatives for the PGA North site:

$ Alternative 1 No Action. This consists of no ac-

tion being taken, not even monitoring. EPA is re-quired to evaluate this option for comparison pur-poses.

$ Alternative 2 Ion Exchange (EPAs Preferred Al-ternative). A resin material (similar to smallbeads) is packed into large vessels and used to cap-ture perchlorate from the groundwater. This alter-native is preferred because the technology is effec-tive; it is being implemented at the site in a full-scale pilot test; and it has a relatively low cost.

$ Alternative 3 Tailored Liquid Phase GranularActivated Carbon. This alternative uses a spe-cially-coated carbon packed into a large vessel toabsorb the perchlorate from the groundwater.

$

Alternative 4 Ex-Situ Biotreatment. This alter-native uses a bioreactor in which the perchlorate isreduced to chloride and oxygen under anaerobicconditions.

Based on a favorable balance of the evaluation criteria pre-sented in the EE/CA report, EPA prefers the implementa-tion of Alternative 2. Compared to the other three alter-


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GLOSSARY

Aquifer is an underground geologic formation containing groundwater.

Groundwater is the supply of water found below the ground surface, usually in an aquifer.

Ion Exchange is a treatment technology used to remove perchlorate and other inorganic contaminants

from groundwater. The technology uses small beads packed into a large vessel through which

water passes.

Ex Situ refers to treatment of groundwater that takes place above ground rather than in place or in

situ.

National Priorities List (NPL) is EPAs list of the most serious uncontrolled or abandoned hazardous

waste sites identified for possible long-term remedial action under Superfund. The list is basedprimarily on the score a site receives from the Hazard Ranking System. A site must be on the NPL

to receive money from Superfund for remedial action.

Non-time Critical Removal Action is a short-term action with a planning period of more than six

months prior to the start of on-site activities. This differs from Time Critical Removal Actions, which

is typically used to respond to urgent situations.

Perchlorate is a component of ammonium perchlorate and other inorganic salts used in rockets and

other applications.

Record of Decision (ROD) is a public document that explains which cleanup alternative(s) will be used

at National Priorities List sites where, under CERCLA, Superfund pays for the cleanup.

Removal Action is the short-term immediate actions taken to address releases of hazardous

substances that require expedited response.

Superfund is the common name for the Comprehensive Environmental Response Compensation and


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PHOENIX-GOODYEAR AIRPORT (NORTH) SUPERFUND SITEEngineering Evaluation/Cost Analysis for Perchlorate Treatment

Mary AycockRemedial Project ManagerUSEPA Region 975 Hawthorne Street, SFD-8-2San Francisco, CA 94105(415) [email protected]

Jos GarcaCommunity Involvement CoordinatorUSEPA Region 975 Hawthorne Street, SFD-3San Francisco, CA 94105(415) 972-3331 or (800) [email protected]

Site Contacts Cathy OConnellRemedial Project ManagerADEQ1110 W Washington StreetPhoenix, AZ 85007(602) 771-4260 or (800) 234-5677, [email protected]

Linda MarinerCommunity Involvement CoordinatorADEQ1110 W Washington StreetPhoenix, AZ 85007(602) 771-4294 or (800) 234-5677, [email protected]

For more site information, visit the PGA Site Overview at:www.epa.gov/region09/phoenix-goodyearairport


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Thinking of Making an Offer on a Short Sale? What You Need to Know

Are you looking to buy a new home? Are you thinking that now's a great time to find bargains? That's true, but it paysto know a little about the seller's situation before you make an offer.

If a home is being sold for below what the current seller owes on the propertyand the seller does not have otherfunds to make up the difference at closingthe sale is considered a short sale. Many more home owners are findingthemselves in this situation due to a number of factors, including job losses, aggressive borrowing against their homein the days of easy credit, and declining home values in a slower real estate market.

A short sale is different from a foreclosure, which is when the seller's lender has taken title of the home and is sellingit directly. Homeowners often try to accomplish a short sale in order to avoid foreclosure. But a short sale holds manypotential pitfalls for buyers. Know the risks before you pursue a short-sale purchase.

You're a good candidate for a short-sale purchase if:

You're very patient. Even after you come to agreement with the seller to buy a short-sale property, thesellers lender (or lenders, if there is more than one mortgage) has to approve the sale before you can close.When there is only one mortgage, short-sale experts say lender approval typically takes about two months.If there is more than one mortgage with different lenders, it can take four months or longer for the lenders toapprove the sale.

Your financing is in order. Lenders like cash offers. But even if you cant pay all cash for a short-saleproperty, its important to show you are well qualified and your financing is set. If you're preapproved, have alarge down payment, and can close at any time, your offer will be viewed more favorably than that of a buyerwhose financing is less secure.

You dont have any contingencies. If youhave a home to sell before you can close on the purchase of theshort-sale propertyor you need to be in your new home by a certain timea short sale may not be for you.Lenders like no-contingency offers and flexible closing terms.

Potential for rejection. Lenders want to minimize their losses as much as possible If you make an offer


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Potential for rejection. Lenders want to minimize their losses as much as possible. If you make an offertremendously lower than the fair market value of the home, chances are that your offer will be rejected andyoull have wasted months. Or the lender could make a counteroffer, which will lengthen the process.

Bad terms. Even when a lender approves a short sale, it could require that the sellers sign a promissorynote to repay the deficient amount of the loan, which may not be acceptable to some financially desperatesellers. In that case, the sellers may refuse to go through with the short sale. Lenders also can change anyof the terms of the contract that youve already negotiated, which may not be agreeable to you.

No repairs or repair credits.You will most likely be asked to take the property as is. Lenders are alreadytaking a loss on the property and may not agree to requests for repair credits.

The risks of a short sale are considerable. But if you have the time, patience, and iron will to see it through, a shortsale can be a win-win for you and the sellers.

* Not all real estate practitioners are REALTORS. A REALTOR is a member of the NATIONAL ASSOCIATION OFREALTORS and is bound by NARs strict code of ethics.

Note: This article provides general information only. Information is not provided as advice for a specific matter. Laws

vary from state to state. For advice on a specific matter, consult your attorney or CPA.


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U. S. Department of Housing and Urban Development

EQUAL HOUSINGOPPORTUNITY

We Do Business in Accordance With the Federal FairHousing Law

(The Fair Housing Amendments Act of 1988)

It is illegal to Discriminate Against Any PersonBecause of Race, Color, Religion, Sex,

Handicap, Familial Status, or National Origin


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As a real estate agent in Arizona, we are required to give you the latest

buyer disclosure information regardless if you are a seller or a buyer. As

a buyer, you would be required to sign a copy of this document whenyou buy a home. As a seller, you should know the information that

people will be looking at about your area. In order to give you the latest

version, I recommend going to the ADRE ( Arizona Department of Real

Estate ) Buyer disclosure web link:

http://www.aaronline.com/documents/buy_advis.pdf

If you have any questions after viewing this web link, please let me

k th t di th i ith
http://www.aaronline.com/documents/buy_advis.pdfhttp://www.aaronline.com/documents/buy_advis.pdfhttp://www.aaronline.com/documents/buy_advis.pdf


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Recycled/RecyclablePrinted with vegetable oil based inks on recycled paper

(minimum 50% postconsumer) process chlorine free.

If you think your home has highlevels of lead:

NGet your young children tested for lead, even if

they seem healthy.NWash childrens hands, bottles, pacifiers, and toys

often.

NMake sure children eat healthy, low-fat foods.

NGet your home checked for lead hazards.

N Regularly clean floors, window sills, and othersurfaces.

NWipe soil off shoes before entering house.

N Talk to your landlord about fixing surfaces withpeeling or chipping paint.

N Take precautions to avoid exposure to lead dustwhen remodeling or renovating (call 1-800-424-LEAD for guidelines).

NDont use a belt-sander, propane torch, hightemperature heat gun, scraper, or sandpaper onpainted surfaces that may contain lead.

NDont try to remove lead-based paint yourself.

Simple Steps To Protect Your FamilyFrom Lead Hazards Protect

Your

FamilyFromLead InYour

Home

United StatesEnvironmentalProtection Agency

United StatesConsumer ProductSafety Commission

United StatesDepartment of Housingand Urban Development

Are You Planning To Buy, Rent, or Renovatea Home Built Before 1978?

IMPORTANT!

Lead Gets in the Body in Many WaysLeads Effects


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2

People can get lead in their body if they:

N Breathe in lead dust (especially duringrenovations that disturb paintedsurfaces).

N Put their hands or other objectscovered with lead dust in their mouths.

N Eat paint chips or soil that containslead.

Lead is even more dangerous to childrenunder the age of 6:

N At this age childrens brains and nervoussystems are more sensitive to the dam-aging effects of lead.

N Childrens growing bodies absorb morelead.

N Babies and young children often put

their hands and other objects in theirmouths. These objects can have leaddust on them.

Lead is also dangerous to women ofchildbearing age:

N Women with a high lead level in theirsystem prior to pregnancy would exposea fetus to lead through the placentaduring fetal development.

Lead Gets in the Body in Many Ways

Childhoodleadpoisoningremains amajorenvironmen-tal healthproblem inthe U.S.

Even childrenwho appearhealthy canhave danger-ous levels oflead in theirbodies.

3

It is important to know that even exposureto low levels of lead can severely harmchildren.

In children, lead can cause:

N Nervous system and kidney damage.

N Learning disabilities, attention deficitdisorder, and decreased intelligence.

N Speech, language, and behavior

problems.

N Poor muscle coordination.

N Decreased muscle and bone growth.

N Hearing damage.

While low-lead exposure is mostcommon, exposure to high levels oflead can have devastating effects onchildren, including seizures, uncon-sciousness, and, in some cases, death.

Although children are especially

susceptible to lead exposure, leadcan be dangerous for adults too.

In adults, lead can cause:

N Increased chance of illness duringpregnancy.

N Harm to a fetus, including braindamage or death.

N Fertility problems (in men and women).

N High blood pressure.

N Digestive problems.

N Nerve disorders.

N Memory and concentration problems.

N Muscle and joint pain.

Brain or Nerve Damage

Slowed

Growth

Hearing

Problems

eproductive

roblems

Adults)

igestive

roblems

Lead affectsthe body inmany ways.

Where Lead-Based Paint Is Found Identifying Lead Hazards

Checking Your Home for Lead What You Can Do Now To Protect


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6

You can get your home tested for lead inseveral different ways:

NA paint inspection tells you whether yourhome has lead-based paint and where itis located. It wont tell you whether or not

your home currently has lead hazards.

NArisk assessment tells you if your homecurrently has any lead hazards from leadin paint, dust, or soil. It also tells you whatactions to take to address any hazards.

NA combination risk assessment andinspection tells you if your home hasany lead hazards and if your home hasany lead-based paint, and where thelead-based paint is located.

Hire a trained and certified testing profes-sional who will use a range of reliablemethods when testing your home.

NVisual inspection of paint conditionand location.

NA portable x-ray fluorescence (XRF)machine.

N Lab tests of paint, dust, and soilsamples.

There are state and federal programs inplace to ensure that testing is done safely,reliably, and effectively. Contact your stateor local agency (see bottom of page 11) formore information, or call 1-800-424-LEAD

(5323) for a list of contacts in your area.Home test kids for lead are available, butmay not always be accurate. Consumersshould not rely on these kits before doingrenovations or to assure safety.

Checking Your Home for Lead

Just knowingthat a homehas lead-based paintmay not tell

you if thereis a hazard.

7

If you suspect that your house has leadhazards, you can take some immediatesteps to reduce your familys risk:

N If you rent, notify your landlord ofpeeling or chipping paint.

NClean up paint chips immediately.

N Clean floors, window frames, windowsills, and other surfaces weekly. Use amop or sponge with warm water and a

general all-purpose cleaner or a cleanermade specifically for lead. REMEMBER:NEVER MIX AMMONIA AND BLEACHPRODUCTS TOGETHER SINCE THEYCAN FORM A DANGEROUS GAS.

N Thoroughly rinse sponges and mopheads after cleaning dirty or dustyareas.

NWash childrens hands often, especial-ly before they eat and before nap timeand bed time.

N Keep play areas clean.Wash bottles,pacifiers, toys, and stuffed animalsregularly.

N Keep children from chewing windowsills or other painted surfaces.

N Clean or remove shoes beforeentering your home to avoidtracking in lead from soil.

N Make sure children eatnutritious, low-fat meals highin iron and calcium, such asspinach and dairy products.Children with good diets absorbless lead.

Your Family

Reducing Lead Hazards In The Home Remodeling or Renovating a Home WithLead Based Paint

Other Sources of Lead For More Information


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10

N Drinking water.Your home might haveplumbing with lead or lead solder. Call

your local health department or watersupplier to find out about testing your

water. You cannot see, smell, or tastelead, and boiling your water will not getrid of lead. If you think your plumbingmight have lead in it:

Use only cold water for drinking andcooking.

Run water for 15 to 30 secondsbefore drinking it, especially if youhave not used your water for a fewhours.

N The job. If you work with lead, youcould bring it home on your hands orclothes. Shower and change clothesbefore coming home. Launder your workclothes separately from the rest of yourfamilys clothes.

N Old painted toys and furniture.

N Food and liquids stored in lead crystalor lead-glazed pottery or porcelain.

N Lead smelters or other industries thatrelease lead into the air.

N Hobbies that use lead, such as makingpottery or stained glass, or refinishingfurniture.

N Folk remedies that contain lead, such asgreta and azarcon used to treat anupset stomach.

While paint, dust,and soil are themost commonsources of lead,other leadsources also exist.

11

The National Lead Information Center

Call 1-800-424-LEAD (424-5323) to learnhow to protect children from lead poisoningand for other information on lead hazards.To access lead information via the web, visitwww.epa.gov/lead andwww.hud.gov/offices/lead/.

EPAs Safe Drinking Water Hotline

Call 1-800-426-4791 for information aboutlead in drinking water.

Consumer Product SafetyCommission (CPSC) Hotline

To request information on lead inconsumer products, or to report anunsafe consumer product or a prod-uct-related injury call 1-800-638-2772, or visit CPSC's Web site at:www.cpsc.gov.

Health and Environmental AgenciesSome cities, states, and tribes havetheir own rules for lead-based paintactivities. Check with your local agency tosee which laws apply to you. Most agenciescan also provide information on finding alead abatement firm in your area, and onpossible sources of financial aid for reducinglead hazards. Receive up-to-date addressand phone information for your local con-tacts on the Internet atwww.epa.gov/leador contact the National Lead Information

Center at 1-800-424-LEAD.

For the hearing impaired, call the Federal InformationRelay Service at 1-800-877-8339 to access any of

the phone numbers in this brochure.

EPA Regional Offices CPSC Regional Offices


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Items needed to process your loan applicationName and address of current employers

Name and addresses of previous employers to verify 2 years employmentName and addresses of landlords to verify 2 years residency

Name, address, account numbers of all bank accounts

Name, address, account number, monthly payment and balance of all installment

debt

Current purchasers address plus accurate legal description

Photocopy of drivers license and Social Security card

Copy of latest pay stub (update may be required)

Copy of all latest bank statements (update may be required)

If you are self-employed:

2 years federal and state tax returns (page 2 to be signed)

Current Profit and Loss statement

Notes:

Your Handy

Borrowers Checklist

SURPRISE / LUKE NOTIFICATION MAP


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23400N

21800N

20200N

18600N

17000N

15400N

13800N

12200N

10600N11500W

12300W

13100W

13900W

14700W

15500W

16300W

17100W

17900W

18700W

19500W

20300W

2

1100W

2

1900W

2

2700W

2

3500W

24300W

25100W

T4NT3N

R2W

R1W

T5N

T4N

R3W

R2W

29800N

28200N

26600N

25000N

23400N

21800N

20200N

T5N

T4N

R4W

R3W

T4NT3N

R3W

R2W

R1W

R1E

T4NT3N

ReemsRd

SarivalAve

CottonLn

CitrusRd

203rdAve

2

11thAve

195thAve

115thAve

ElMirageRd

DysartRd

LitchfieldRd

BullardAve

Cactus Rd

Peoria Ave

Greenway Rd

Waddell Rd

Bell Rd

Pinnacle Peak Rd

Deer Valley Rd

Beardsley Rd

Union Hills Dr

GrandA

ve

PerryvilleRd

219thAve/CrosierRd

227thAve

2

35thAve

243rdAve

251stAve

EstrellaFwy(SR303)

Sun Valley

Dixeleta Dr

Patton Rd

Jomax Rd

Happy Valley Rd

Pinnacle Peak Rd

Deer Valley Rd

Beardsley Rd

Thunderbird Rd

13800N

Happy Valley Rd25000N

26600N

Jomax Rd

28200N

Dynamite Blvd

29800N

Dixeleta Dr

Parkway

T5N

T4N

9000N

Olive Ave

8000N

Northern Ave

7000N

Glendale Ave

LUKEAIR FORCE

BASE

White

Tank

Mountain

Regional

Park

65 ldn65 ldn

70 ldn70 ldn

80 ldn80 ldn

75 ldn75 ldn

SURPRISE / LUKE NOTIFICATION MAP

As a proud neighbor of Luke Air Force Base, the City of

Surprise would like all residents to know t hat this

community is in the proximity of Luke Air Force Base.

NOTICE:

Therefore all homes in the City of Surprise are Subject

to military aircraft over-flights from Luke Air Force

Base.

As a proud neighbor of Luke Air Force Base, the City of

Surprise would like all residents to know t hat this

community is in the proximity of Luke Air Force Base.

NOTICE:

Therefore all homes in the City of Surprise are Subject

to military aircraft over-flights from Luke Air Force

Base.

1 0 1 20.5

MilesAdopted by Resolution #03-68After Coucil Approval

Legend

1995 Luke Air Force Base Noise Contours

1988 Joint Land Use Noise Contours

Clear Zone

APZ 1

APZ 2

Surprise City Boundary

Notes:

Noise does not stop at a line, and single noiseevents in excess of 65 decibels will occuroutside the 65 ldn line

1)

buyers inital meeting packet

Documents