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The Husband & Wife Home Team - Keller Williams Realty Phoenix We are The Husband & Wife Home Team and we help our clients FindHappyAZ.com (Residential Housing, Commercial, Industrial, Retail) we can help!

A 2.625% MORTGAGE IN 2026? IT EXISTS. ๐Ÿ”‘Example: 9229 W Elwood Street, Tolleson, AZ 85353 | $400,000Financing comparison:...
10/12/2026

A 2.625% MORTGAGE IN 2026? IT EXISTS. ๐Ÿ”‘

Example: 9229 W Elwood Street, Tolleson, AZ 85353 | $400,000

Financing comparison:

Option 1: For those with capital, you assume the $128,900 first mortgage at 2.625% with $271,100 down. Est Payment: $913/mo.

Option 2: Assumed first + second >> $128,900 at 2.625% plus $231,100 at 7.750%; blended rate 5.915%; $40,000 down. Est Payment: $2,405.74/month.

Option 3: Conventional Loan at Current Market: $360,000 at 7.280%; $40,000 down. Payment: $2,852.33/month.

With the capital for an outright assumption, the payment is $1,493/month below the second-loan option. With $40,000 down, the assumable-plus-second path is about $447/month below conventional at current market rates. Different buyer circumstances can have different financing paths worth exploring.

We look beyond list price to compare financing options and their costs. Reach out to review the numbers and connect with a trusted lender.

For informational purposes only, not investment or mortgage advice or a commitment to lend. Rates and terms may not be available and depend on the borrower and property. Contact your lender for current terms. If you need a great lender introduction, let us know!

To explore assumable purchase options contact, Listing Agent: Elizabeth Dine, REALTORยฎ | Keller Williams Realty Phoenix

Marketing Director: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

**Equal Housing Opportunity**

Today is Indigenous Peoples' Day.Iโ€™m honoring the Native Hawaiians, whose story runs through my own bloodline. My herita...
10/12/2026

Today is Indigenous Peoples' Day.

Iโ€™m honoring the Native Hawaiians, whose story runs through my own bloodline. My heritage.

More than a thousand years before European ships crossed the Atlantic with instruments and charts, Polynesian voyagers crossed the Pacific guided by stars, swells, wind, birds and clouds. From a canoe, they reached Hawaiสปi around 1,000 to 1,200 years ago, one of the most remote island chains on the planet, and stayed.

Their double-hulled waสปa kaulua carried generations of wayfinding knowledge. In 1975, Native Hawaiians launched Hลkลซleสปa to revive the tradition; in 1976, it sailed to Tahiti guided by the stars. Watching that canoe arrive was like watching a memory return to a body. Wayfinding came home.

A Hawaiian kingdom stood with its own flag, treaties and embassies before Hawaiสปi became a territory and then the 50th state. Native Hawaiians have served in every U.S. conflict since the 1800s. The language, aloha and kuleana, our responsibility to the land and one another, are part of this nationโ€™s story.

That is the heritage I carry. For me, home is lineage: people who crossed an ocean on courage and memory, held on, and made it through all that followed.

E mฤlama pono. Take good care.

Marketing Director: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

GREATER PHOENIX IS NOT ONE MARKET RIGHT NOW. IT IS TWO.Prices are at record highs. Inventory is surging. Both are true, ...
10/12/2026

GREATER PHOENIX IS NOT ONE MARKET RIGHT NOW. IT IS TWO.

Prices are at record highs. Inventory is surging. Both are true, and neither tells you what is actually happening on your street.

That is why we wrote our Q4 2026 market update. It is the whole picture in one place, and it is worth nine minutes before your next move.

Read it here: FindHappyAZ.com/Articles

Listing Agent: Elizabeth Dine, REALTORยฎ | Keller Williams Realty Phoenix
Marketing: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

MARKET VELOCITY: THE MATH BEHIND OUR ADVICEWe track how quickly fresh supply is meeting buyer demand, not just how long ...
10/11/2026

MARKET VELOCITY: THE MATH BEHIND OUR ADVICE

We track how quickly fresh supply is meeting buyer demand, not just how long it might take to sell every active listing.

Hereโ€™s the math:
(New pending contracts รท new listings) ร— 100 = Velocity

In October, Greater Phoenix had 8,940 new listings and 6,565 new contracts. Thatโ€™s 73.4%, or a 7.3 on our 1โ€“10 speedometer. Itโ€™s a snapshot of contracts compared with new listings, not a promise that each home will sell immediately.

The trend matters: Velocity peaked at 10.0 in August, then eased to 8.6 in September and 7.3 in October. Momentum is cooling. Conditions can vary by neighborhood, so we look at local numbers for Gilbert, Scottsdale and the Greater East Valley before advising.

๐Ÿ  Sellers: Accurate pricing and strong preparation matter as urgency cools.
๐Ÿ”‘ Buyers: A slower pace can create room to negotiate concessions, closing costs or a rate buydown.

We run this math monthly, and at the ZIP-code or neighborhood level, to help you understand the market youโ€™re in and choose your next move with clarity. Weโ€™re happy to talk through your local numbers.

Listing Agent: Elizabeth Dine, REALTORโ“‡ | Keller Williams Realty Phoenix
Marketing: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

๐Ž๐๐„ ๐€๐ƒ๐ƒ๐‘๐„๐’๐’. ๐“๐–๐Ž ๐Ž๐”๐“๐‚๐Ž๐Œ๐„๐’Greater Phoenix has become a two-speed market. The market is not slow. In this high rate enviro...
10/07/2026

๐Ž๐๐„ ๐€๐ƒ๐ƒ๐‘๐„๐’๐’. ๐“๐–๐Ž ๐Ž๐”๐“๐‚๐Ž๐Œ๐„๐’

Greater Phoenix has become a two-speed market. The market is not slow. In this high rate environment, it is selective.

This weekโ€™s R&D trend review shows:
โ€ข Supply reached 4.0 months on October 1, up from 3.4 last month. The highest level in two years.
โ€ข Active listings increased 8.5% month over month.
โ€ข Closed sales are down approximately 12% year over year.
โ€ข Listing success improved from 66.2% to 68.9%.
โ€ข Median days on market improved to 49 from 57 last year.
โ€ข Roughly one-third or more of listings are still taking price reductions.

The translation is clear: right-priced homes are selling faster than last year, while overpriced homes sit and price-cut twice.

The first, well-timed, meaningful price adjustment is the one that works. The second adjustment often tries to catch up to a market that has already moved.

With the Mortgage News Daily composite showing 30-year fixed rates above 7.5%, buyers remain payment-sensitive and comparison-driven. Pricing attractively creates leverage.

Every Tuesday, Elizabeth proactively reviews Market Velocity, Buyer Activity Price Bands, and the Competitive Pricing Model for each active listing client. Before buyer traffic or new competition forces the conversation.

A listing-specific strategy review creates clarity around the next best move.

Source: Cromford Report / ARMLS data as reported October 1, 2026. Mortgage News Daily composite, 30-year fixed.

Listing Agent: Elizabeth Dine, REALTORโ“‡ | Keller Williams Realty Phoenix
Marketing Director: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

๐’๐“๐€๐˜๐ˆ๐๐† ๐„๐๐†๐€๐†๐„๐ƒ ๐…๐Ž๐‘ ๐“๐‡๐„ ๐๐‘๐Ž๐…๐„๐’๐’๐ˆ๐Ž๐ & ๐Ž๐”๐‘ ๐‚๐‹๐ˆ๐„๐๐“๐’This Sunday, weโ€™re reflecting on the value of speaking up, and staying i...
09/27/2026

๐’๐“๐€๐˜๐ˆ๐๐† ๐„๐๐†๐€๐†๐„๐ƒ ๐…๐Ž๐‘ ๐“๐‡๐„ ๐๐‘๐Ž๐…๐„๐’๐’๐ˆ๐Ž๐ & ๐Ž๐”๐‘ ๐‚๐‹๐ˆ๐„๐๐“๐’

This Sunday, weโ€™re reflecting on the value of speaking up, and staying involved.

We recently met with the CurbViewยฎ team at AZ Regional MLS to share feedback from the field and talk through how the tool can better reflect the way agents actually work. More than 500 pieces of feedback have come from subscribers, with one-on-one agent conversations and demonstrations held with brokerages across the Valley.

That level of engagement is significant. When agents share what they are experiencing and the people building the tools take the time to listen, the entire profession benefits. And Curbview is better for it.

For The Husband & Wife Home Team, staying engaged is part of serving our clients well. Better feedback helps create better tools, and better tools help us serve people more effectively across our service area in Gilbert, Scottsdale & the Greater East Valley.

CurbViewยฎ is continuing to evolve ahead of its planned replacement of Monsoonยฎ at the end of the year. Weโ€™re grateful to have contributed perspective from the field and encouraged by the work still ahead.

Agent: Elizabeth Dine, REALTORโ“‡ | Keller Williams Realty Phoenix
Marketing Manager: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

Elizabeth Dine has WON the Keller Williams Realty Phoenix Spirit Award. ๐Ÿ†This peer-nominated honor recognizes positivity...
09/25/2026

Elizabeth Dine has WON the Keller Williams Realty Phoenix Spirit Award. ๐Ÿ†

This peer-nominated honor recognizes positivity, teamwork, encouragement, and the true spirit of Keller Williams Realty Phoenix. We are proud to celebrate Elizabethโ€™s mentorship, generosity, and commitment to lifting newer agents up across Gilbert, Scottsdale & the Greater East Valley.

A fellow agentโ€™s citation read:

Elizabeth truly embodies the Keller Williams culture of giving back and lifting others up. As an experienced agent, she consistently pays it forward by mentoring, encouraging, and empowering newer agents like myself.

At a time when I was seriously considering leaving the real estate industry, Elizabeth stepped in with encouragement and support. She helped restore my confidence, reminded me of what I was capable of, and inspired me to keep moving forward.

Her mentorship has empowered me to grow, believe in myself, and continue working toward achieving my goals. Elizabeth demonstrates what it means to lead through positivity, generosity, and genuine care for others.

I am incredibly grateful for her leadership, mentorship, and the lasting positive impact she has had on my journey. Elizabeth is a wonderful example of the spirit and culture we strive to represent at Keller Williams Realty Phoenix.

FindHappyAZ.com

๐„๐—๐“๐‘๐„๐Œ๐„ ๐•๐€๐‹๐”๐„ ๐ˆ๐… ๐˜๐Ž๐” ๐ƒ๐Ž๐โ€™๐“ ๐‡๐€๐•๐„ ๐“๐Ž ๐‚๐Ž๐Œ๐Œ๐”๐“๐„ ๐ŸกA brand-new home at $284,990 is difficult to match closer to Gilbert, Chandl...
09/24/2026

๐„๐—๐“๐‘๐„๐Œ๐„ ๐•๐€๐‹๐”๐„ ๐ˆ๐… ๐˜๐Ž๐” ๐ƒ๐Ž๐โ€™๐“ ๐‡๐€๐•๐„ ๐“๐Ž ๐‚๐Ž๐Œ๐Œ๐”๐“๐„ ๐Ÿก

A brand-new home at $284,990 is difficult to match closer to Gilbert, Chandler, and other closer-in East Valley submarkets. The trade-off is distance: Maricopa, AZ is a drive.

For remote workers, hybrid workers, first-time buyers, and value-focused buyers, that can be an informed choice.

At Amarillo Creek by Starlight Homes, the completed Sterling plan at 47220 West Old Timer Road includes:

โœ… 3 bedrooms
โœ… 2 bathrooms
โœ… 1,402 sq. ft.
โœ… Single-story layout
โœ… 2-car garage
โœ… Brand-new appliances, granite countertops, updated cabinets, open kitchen, and energy-efficient design

The community also includes greenspace, a park, playground, pickleball courts, basketball courts, and trails. Maricopa now offers more nearby shopping, dining, and entertainment, including Oak & Fork and the Ak-Chin Circle Entertainment Center, with Pacana Park and Copper Sky Regional Park close by.

Builder inventory by Starlight Homes: We do not represent the builder, we protect you! Builder offers, including an advertised offer of up to $10,000 on select homes, must be verified directly with the builder and are subject to availability, eligibility, and change.

Our service area is Gilbert, Scottsdale & the Greater East Valley, and we help buyers compare builder inventory, incentives, financing, and total cost. A tour and side-by-side numbers provide the clearest way to evaluate the trade-off. Contact us for your personal tour today!



Selling Agent: Elizabeth Dine, REALTORโ“‡ | Keller Williams Realty Phoenix | The Husband & Wife Home Team
FindHappyAZ.com

๐€๐…๐…๐Ž๐‘๐ƒ๐€๐๐ˆ๐‹๐ˆ๐“๐˜ ๐‚๐‘๐”๐๐‚๐‡๐ˆ๐๐† ๐˜๐Ž๐”๐‘ ๐๐‹๐€๐๐’? ๐†๐„๐“ ๐”๐ ๐“๐Ž $๐Ÿ”๐Ÿ”๐Š ๐Ž๐…๐… ๐’๐„๐‹๐„๐‚๐“ ๐๐”๐ˆ๐‚๐Š ๐Œ๐Ž๐•๐„-๐ˆ๐ ๐‡๐Ž๐Œ๐„๐’ ๐ŸกEast Valley buyers: Orchard at Barney...
09/21/2026

๐€๐…๐…๐Ž๐‘๐ƒ๐€๐๐ˆ๐‹๐ˆ๐“๐˜ ๐‚๐‘๐”๐๐‚๐‡๐ˆ๐๐† ๐˜๐Ž๐”๐‘ ๐๐‹๐€๐๐’? ๐†๐„๐“ ๐”๐ ๐“๐Ž $๐Ÿ”๐Ÿ”๐Š ๐Ž๐…๐… ๐’๐„๐‹๐„๐‚๐“ ๐๐”๐ˆ๐‚๐Š ๐Œ๐Ž๐•๐„-๐ˆ๐ ๐‡๐Ž๐Œ๐„๐’ ๐Ÿก

East Valley buyers: Orchard at Barney Farms by Fulton Homes in Queen Creek, AZ 85142, may offer a meaningful opportunity in a higher-rate market.

The builder is advertising up to $66,000 off select spec/quick move-in homes. This is not a universal discount: verify availability, eligibility, expiration dates, and terms with us before visiting the builder.

Current community snapshot:
โ€ข Prices: $677,910โ€“$821,204
โ€ข 2,162โ€“3,076 sq. ft.
โ€ข 3โ€“4 bedrooms | 2โ€“3 full baths plus up to 1 half bath
โ€ข 2โ€“3 car garages
โ€ข 11 homes total: 7 quick move-in and 4 under construction
โ€ข Plans include Avocado, Mango, Tamarillo, and Guava, with loft configurations available

Why evaluate this carefully when rates are above 7%? A builder incentive may help with a rate buydown, closing costs, upgrades, or price, but the best choice depends on the complete net cost. Compare the sales price, lot premiums, upgrades, HOA fee, property taxes, incentive restrictions, and lender terms with us before deciding.

Community amenities include a deep-water lake with kayaking and canoeing, aquatic center and pool, clubhouse, pickleball, sand volleyball, bocce ball, walking trails, parks, green spaces, and childrenโ€™s zip lines. Schools are in the Queen Creek Unified District; we can help you verify school assignments with the builder.

Interested in a tour or the latest incentive details? Send us a message: weโ€™ll help you compare the numbers and current availability without pressure with the help of our direct builder portal!



Listing Agent: Elizabeth Dine, REALTORโ“‡ | Keller Williams Realty Phoenix
Marketing Manager: Charles T. Dine | The Husband & Wife Home Team
FindHappyAZ.com

09/18/2026

There are so many great things happening around the valley. What are you up to this weekend? Hereโ€™s an idea, come see Elizabethโ€™s new listing! Itโ€™s available for seller carry financing! ๐Ÿ˜

Address

6400 E McDowell Road Suite #160
Scottsdale, AZ
85257

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm

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