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Adam Hamblen's Blog

Adam Hamblen

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Displaying blog entries 11-20 of 75

Arizona Tax Credit

by Adam Hamblen

If you live in Arizona and file an AZ tax return, this information is for you!

 If you are looking for places you can donate this year and get DOLLAR for DOLLAR return, read the information below from a local tax professional. Not only do you get all the money back when you file your AZ return, but also get it as a write-off on your federal tax return.

CLICK on the SQUARE ICON w/Arrow (upper right corner) to make the entire document larger and print out if you desire.  

It is alway advised to consult your tax professional before donating.

Mark Your Calendar - FPU is COMING!

by Adam Hamblen

Looking for Financial Peace?  If you have never attended Financial Peace University by Dave Ramsey, here is the opportunity you have been looking for.  I work with Dave Ramsey as a local Realtor (ELP) and was asked by Dave Ramsey's office to lead a Financial Peace University Class starting March 6th, 2016.  The class will meet for nine Sunday evenings from 6pm-8pm (except Easter) at Vineyard Church North Phoenix, 63rd Ave & Peoria Ave. The class is FREE but the materials are $90 (per family). The $90 is not DUE until the 1st class.  Registration is FREE (click link below).

Now is the time to block off your calendar and commit to attend.  If you are married, it is important to bring your spouse. 

Looking forward to 9 weeks of fun and excitement as we all learn, laugh and change our financial futures.  This will be LIFE CHANGING!

Click Here to REGISTER

 

Title Insurance - Everything You Need to Know!

by Adam Hamblen

What is Title Insurance?

Title insurance is a contractual obligation between you (and/or your lender) and the title insurance company, wherein the title insurer provides protection (effective as of the date the title insurer issues the policy) against future losses that might result from a variety of possible title defects or encumbrances. An insurance policy-protecting against loss should the condition of title to land be other than as insured.

A principal purpose of title insurance is to eliminate the title risk associated with a real estate transaction. This means that the title company will review the transaction to seek to identify and eliminate any potential title risk. The objective is to identify and eliminate title risks which may be present and to provide the insured with a policy of title insurance which provides protection in the future there are no problems which exist on or before the effective date of the policy of title insurance other than those identified in the policy. Unlike most insurance, title insurance only charges a single premium at the date the policy is issued.

Why do I need Title Insurance:

When you buy a home, or any property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights you bargain for.

Benefits of Title Insurance:

The purchaser of real estate needs protection against serious financial loss due to a defect in the title to the property purchased. For a single, on-time premium, which is a modest amount in relationship to the value of the property, a buyer can receive the protection of a title insurance policy. A title insurance policy will cover both claims arising out of title problems that could have been discovered in the public records, and those so-called “non-record” defects that could not be discovered in the record, even with the most complete search.

To the Seller:

An owner of real property whose interest is insured by an owner’s title insurance policy has the assurance that the title will be marketable when selling the property. The title insurance policy protects the seller from financial damage if the seller’s title is rejected by a prospective purchaser. Also, when the seller conveys with “warranties,” the seller is still protected if the buyer sues because of a breach of those warranties.

What does Title Insurance Cover?

-Protection from financial loss (up to the face amount of the policy) due to covered claims against your title

-Payment of legal costs to defend against covered claims;

-Payment of successful claims against your title (up to the face value amount of the policy)

What are my chances of ever using my title policy?

In essence, by acquiring your policy, you derive the important knowledge that recorded matters have been searched and examined so that title insurance covering your property can be issued. Because we are risk eliminators, the probability of exercising your right to make a claim is very low. However, claims against your property may not be valid, making the continuous protection of the policy all the more important. When a title company provides a legal defense against claims covered by your title insurance policy, the savings to you for that legal defense alone will greatly exceed the one-time premium.

What if I am buying property from someone I know?

You may not know the owner as well as you think you do. People undergo changes in their personal lives that may affect title to their property. People get divorced, change their wills, engage in transactions that limit the use of the property and have liens and judgments placed against them personally for various reasons.

There may also be matters affecting the property that are not obvious or known, even by the existing owner, which a title search and examination seeks to uncover as part of the process leading up to the issuance of the title insurance policy.

Just as you wouldn’t make an investment based on a phone call, you shouldn’t buy real property without assurances as to your title. Title insurance provides these assurances.

The process of risk identification and elimination performed by the title companies, prior to the issuance of a title policy, benefits all parties in the property transaction. It minimizes the chances that adverse claims might be raised, and by doing so reduces the number of claims that need to be defended or satisfied.Is title insurance as important as homeowners insurance? Generally speaking, homeowner’s insurance protects against theft or damage. If a fire destroys your home, you will be able to rebuild or to buy a new house. However, if your property title has defects, you could lose any rights over the house and the property on which it has been built.

For more local information or assistance in listing or purchasing a home, please contact us today.  

www.HamblenTeam.com

602-339-3396

Facts of this article verified by:

Marisa Carrillo - First Arizona Title Agency

16155 N 83rd Ave #105, Peoria, AZ 85382

623-385-1000    Marisa.Carrillo@FirstAZTitle.com 

Meet the Team Tuesday - Charles Jones

by Adam Hamblen

Meet the Team Tuesday

Featuring Charles Jones

Everyone on the Hamblen Team has a unique and special story on HOW their life directed them to the Hamblen Team. Back in the day, I was a school teacher in the Peoria school district and Charles was one of my junior high students. Throughout his teenage years, I would see him at church youth camps and other events. After high school, Charles attended the University of Arizona to be a high school Spanish teacher. After 6 years of teaching, Charles decided to tap into his entrepreneur spirit and launch his real estate business.  Charles is a bright and super star young man who will be successful in anything he applies himself to.  

Here is a little bit more about him: Charles Jones was born in Northern California, but has spent nearly his entire life in Arizona and considers himself a native of the state. He holds a Bachelor's Degree in Secondary Education in Spanish from The University of Arizona and is currently working on a Master's of Theological Studies from Golden Gate Baptist Theological Seminary. He was a high school Spanish teacher in the Northwest valley for six years and greatly enjoyed it. While teaching beginning and upper-levels of Spanish, he also coached, sponsored clubs, and was involved in numerous charitable events with the community. Charles' passion to help and love people made him an exceptional teacher and member of his school community.

Charles joined the Hamblen Team in 2015 and uses this same passion to help and guide clients through one of the biggest decisions of their life: buying and/or selling their home. He brings energy, enthusiasm, hard work, and integrity to the workplace every day. He is always eager to get to know clients and to help them find the perfect solution to their real estate need. 

Charles was married to his beautiful wife Amanda in November of 2014 and they absolutely love it! In his free time, he enjoys playing basketball, working out, watching sports, traveling, and spending time with his friends and family. He also greatly enjoys spending time with his church family and doing ministry, however that may look.

Meet the Team Tuesday - Zach Olson

by Adam Hamblen

My goal this year was to spend some time on Tuesdays to show appreciation and showcase our team through a segment called Meet the Team Tuesdays! Well, since today is Tuesday let’s get right to the heart of the matter. I would like to introduce to everyone Zach Olson. Zach is an unlicensed team assistant and joined our team in 2014. I have known Zach all his life and friends of his family.  

Zach’s position on our team is to assist in the day to day operations of a larger real estate team. These tasks would include assisting in the creation of marketing pieces, preparing them for mail, delivery to the post office, picking up printed material from the printers, picking up signs from properties, and many more helpful essentials. Zach is a hard worker and gives 100 percent effort! Zach is a student at Arizona State University and plans to major in video production. Thank you Zach for your one year of faithful service to the Hamblen Team!

Meet the Team TUESDAY - Ivonne Bellew

by Adam Hamblen

Meet the Team TUESDAY is an opportunity for me to brag and showcase the super fantastic Realtors I have on my team. We are over half way through my 15 team members and I am presenting them based on seniority. This week I would like to introduce you to Ivonne Bellew.

Ivonne has been on my team since 2014. How I met her was a little interesting. My team and I were in Las Vegas for a company convention and in a large conference room with thousands of other agents. Our team is full of professionals but we tend to have some fun. Ivonne was watching us from a distance and was attracted to the team by the unity and family type atmosphere. After a few months, I hired her on the team.

Ivonne has been a Realtor since 2009 in Phoenix and brings a lot to our team. She is fun loving and very caring about other team members and our clients. She is connected with her church’s children’s ministry and an approved business partner with the Deer Valley Unified School District. She loves to volunteer and give back to the community. Ivonne is married and has 3 children. Se Habla Espanol (she is bilingual in Spanish).

Click Here to Check Out Her Facebook Page

 


Firm Foundation Youth Homes

by Adam Hamblen

What is your purpose in life?  This question goes through the mind of everyone throughout a lifetime.  What impact do we have on others?  

My wife and I have always felt lead to youth and foster care. We have been foster parents throughout the years and relied on the support from not-for-profit organizations for that extra support.  There is one specific organization called Hope and a Future that primary focus is teenage foster kids (the largest need in the Arizona foster system).  They are recently launched an initiative to open up foster group homes specifically taking in teenagers lost in the foster system, called Firm Foundation Youth Homes.

How can you help? Donate to their cause.  It is a 100% tax credit if you file taxes in Arizona.  Dollar for Dollar cash back from state.  $400 for single/$800 for married folks.

This organization is one of the many the Hamblen Team donates to throughout the year through the Big Give (www.BigGiveAZ.com).  My entire Real Estate team donates $500 to any charity, church or school after every closing where the client was referred to us by people like you.  

Click on this link below (or picture above) to visit their website. You can also sign up to volunteer to make the difference in person.

Donate (CLICK HERE)


Meet the Team Tuesday - Connie Barfield

by Adam Hamblen

Happy Tuesday! This edition of Meet the Team Tuesday features a team member from the Hamblen Team that is the super glue that holds the team together, Connie Barfield. One of the joys of running one of the highest producing teams in Arizona is to show off the rock stars on the team. I want to publicly acknowledge Connie and thank her for her dedication and strive to be the best in the business.  She helps our clients and our team with their all their real estate needs. Connie is one of those people that creates the positive real estate experience which transforms our clients into raving fans, who tell all their friends and family about us!

Connie and I attended the same real estate school over a decade ago and after completion, we went our own ways in real estate. Fast forward many years, we ran into each other at church. I was in need of an assistant and team coordinator for my growing team. Connie took on the challenge and joined the Hamblen Team in 2013. Connie’s responsibilities on the team is to ensure of the execution of the day to day operations of the team. Connie assists in new agent training, transaction documentation (paperwork - the fun stuff!) and assisting the team to ensure everything runs smoothly. Connie is outgoing and fun to be around.

Connie is married with 4 kids. Connie enjoys spending time with family with movie nights, exploring the outdoors, and long rides with her husband on their Harley.

Click Here to Check Out Her Facebook Page

 


Support Local Restaurants

by Adam Hamblen

Support Local Restaurants in Phoenix

In my real estate business I have always supported the local small businesses (aka MA & PA companies).  Anywhere from our lender (Heidi Ferraro), Title/Escrow (First Arizona Title), plumbers, handymen, etc.  I find the best prices and customer service with these local companies.

I found a fantasic opportunity to promote locate restaurants through giving them my business.  A great website is: www.LocalDines.com.  You can get great deals, like $15 for a $30 gift card at that local dine.  Only MA & PA dines are allowed to be marketed on this website.  

When I find something this awesome, I like to share it.

Click on the PICTURE above to check out the deals. 

Meet the Team TUESDAY - Andre Ludolph

by Adam Hamblen

Meet the Team Tuesday - ANDRE LUDOLPH

Tuesdays are my day to highlight the super rockstar Realtors that work on my team.  This week I would like to introduce you to Andre Ludolph.  I met Andre through a mutual friend and he was graduating from ASU with a degree in Business Marketing.  The word was he is a "GO GETTER" and entrepreneur minded young man.  After interviewing Andre, I could see the passion and drive in his eyes.  I knew he would take his business serious and become "Andre the Real Estate Giant."  

Here is a little more about Andre: He was born and raised in the Phoenix area and graduated from Arizona State University with a Bachelors of Science in Marketing with Magna Cum Laude honors. In addition, he earned a Minor in Religions as well as an International Business Certificate. Andre has been a member of the Hamblen Team since 2012.  Andre has always had a tremendous interest in real estate, and is fascinated by the process that goes into buying and selling a home. Andre specializes in Marketing/Advertising, especially as it applies to utilizing social media and other online resources to build brand and customer awareness. He plans to use this philosophy in the ever changing real estate market to stay on top of market trends and ultimately help clients fulfill their dreams. Andre has a passion for people and really enjoys exceeding his clients’ expectations.

Andre has learned how to work through problems, meet specific timelines, and be a leader. However, the ability to effectively communicate, listen, and build relationships with people are the skills that he has developed and values the most.  Andre is known by friends and family to have a real down to earth approach to life. In his free time he enjoys staying active and fueling his competitive spirit; regularly playing golf, tennis, and sand volleyball. Some of his other passions include hiking and travelling.  On many weekends you will find him exploring all that Arizona has to offer, going on “Epic” adventures with his church. Andre’s easygoing personality makes him easy to get along with and a pleasure to work with.

For more on Andre, click on his PICTURE above to visit his Facebook page.

Displaying blog entries 11-20 of 75

Contact Information

Photo of The Hamblen Team Real Estate
The Hamblen Team
Realty One Group
9059 W Lake Pleasant Pkwy #C360
Peoria AZ 85382
(623)572-4600
(602)339-3396
Fax: (623)374-3192