David Krushinsky's Blog

FREE CONTINUING EDUCATION CLASSES FOR ARIZONA REALTORS You are invited to attend the continuing education seminar " Answers To Tough Questions About Credit In Today's Market" on Wednesday, October 28th from 9:00 am - 12:00pm.  This event is FREE and provides (3) three Accredited General Hours to...

How do you purchase a home in Arizona using the Your Way Home Arizona loan program? You are invited to attend the seminar explaining the "Your Way Home Arizona" on Monday, October 5th from 9:30 am - 12:30 pm.  Reginald Givens from the Arizona Department of Housing will be presenting on the Your W...

War - is a reciprocated, armed conflict, between two or more non-congruous entities, aimed at reorganizing a subjectively designed, geo-politically desired result.  War is an interaction in which two or more opposing forces have a "struggle of wills".  War is also a cultural entity, and its pract...

USDA Home Loans Are you interested in purchasing a home in Arizona but don't have the available resources for a down payment? Look no further than the U.S. Department of Agriculture (USDA) Home Loan.  The USDA has a guaranteed home loan program available to help individuals and families purchase...

If you're like 8 out of 10 homeowners in Arizona that owe more than their house is worth but could benefit from refinancing your home mortgage to a lower rate then continue reading.  The first step would be to determine who actually owns your home loan.  Chances are pretty good that the mortgage ...

    All good things must come to an end and the $8,000 tax credit for Phoenix first time home buyers is no exception.  The $8,000 tax credit program expires on November 30, 2009.  This means you must CLOSE ESCROW on your new home purchase no later than November 30th, 2009.    The $8,000 tax credi...

Thinking About Going Green on your Phoenix Home Mortgage? VA Energy Efficient Mortgage (EEM) Program May Be The Solution The VA Energy Efficient Mortgage Program allows a veteran, using a VA Home Loan, to upgrade their Phoenix home at the time of purchase or as a refinance, if the borrower alrea...

When purchasing or refinancing a home in Phoenix, one of the most difficult decisions you will have to make is whether to lock in your interest rate or let it float.  For first-time homebuyers or borrowers that are less familiar with the process, here is a brief description of the terms.  "Lockin...

It's been a tough battle over the last 4 years for a large majority of homeowners in similar circumstances as property values tumbled.  Many people have already lost their jobs because of the widespread financial hardship we have faced as not only a nation but globally.  One of the results of th...

Federal Trade Commission estimates as many as 9 million Americans have their identities stolen each year.  Some identity victims can resolve their problems quickly, while others spend hundreds of dollars and many years repairing damage to their name and credit.  Some consumers victimized by iden...