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03ozwhip: I'm originally from Calgary but moved to Phoenix in 2005. If you have any questions about visa's PM me and I'll fill you in on everything.

Building code states that a room can not be used as a bedroom unless the room meets legal egress (window). Can't be just any sized window either, must meet egress requirements.

Hey a guy can dream right? :D

I'm still hoping the Coyotes can pick-up their play and get into the playoffs this year.

Yes, gross monthly income (before deductions).

There are 2 ratios banks will use to determine your level of affordability.

GDS (Gross Debt Service) ratio = ((total monthly housing payments (principal & interest + property taxes + heating...

The appreciation that has happen over the past few years has created unrealistic expectations for many amateur investors. Cash flow investing is the primary reason the majority of investors invest...

It depends on what email listings you want. You can purchase email listings from many different sources, but depends on who you are targeting. If you are targeting other Realtors, you can buy all...

I have the 08 328i cabriolet and I love it's clean lines. I think the coupe looks like crap compared to the cabriolet. However, I would love the performance of the M3.

Craigslist.org

Check PM

It completely depends on the neighborhood and the condition of the home.

Hey Jeff,

Shoot me an email or pm anytime with any questions.

Jason

Thanks! I'm assuming you've experienced all the hassles of moving from Canada to the US as well.

a) It all depends on your needs. Are you looking to purchase purely for investment or do you want a vacation house to use? Land is a great investment and is fairly inexpensive in Phoenix-metro due...

That's very unusual. I deal with bank owned properties on a daily basis and they're generally easier to deal with than homeowners. Banks usually respond to buyers within 24 hours (acceptance,...

Taxes and utlilities are the same as in Canada. You pay them! Being a Canadian without a social number the utility companies will usually require a deposit ($100-$300).

No, it's not easy to...

Yes a Canadian can buy property in the US with either cash, conventional mortgage, or a foreign national mortgage. There are a few Canadian banks that bank in the US (HSBC, RBC) that do or did...

That home is priced okay for the current market here in Phoenix-metro. It will probably sell for less as it's a bank owned home and has already been on the market for 44 days. Bank owned homes that...

Lease to purchase contracts are generally worded so that the buyer and seller agree to a purchase price now or agree to pay market value, whichever is greater at the time the option is exercised.

I am not sure what you were reading, but I was never comparing Calgary to Phoenix. I've lived in both cities I know they are completely different cities for many different factors. I was only...

I like to call it........timing...location...timing.

How is stating what you can buy in Phoenix a specious argument? All I was stating was how far your money can go in Phoenix versus Calgary. Chill out!

I can't imagine spending even 1.4 million for only a 3,000 sq. ft. home. That's $467 per sq. ft. You can buy a custom home here for less than $200 per sq. ft. I showed a house last week for 1.35...

Yes you are correct! To give you a real life example, my neighbor bought his house for $849,000 here in Phoenix in 2006 (the peak) and recently lost it to foreclosure. The bank re-marketed the...

Phoenix doesn't have the economy that Calgary does and businesses are closing up on every street corner. Phoenix over-built in the boom and now there are very few builders still in business. Not...

BMW X5 hands down!

Well I don't think Calgary will get as bad as it is here in Phoenix. Obama just announced today that Phoenix has seen a 43% decline in property values since the peak. It's really bad here in...

I've been in sales for seven years with a large corporation. Let me tell you, the best and most successful salesman are honest, loyal, trustworthy, knowledgeable, and dependable. You should know...

I totally disagree! How is buying at the top of the market a good time to buy? How do you consider homes for sale in today's market a good deal and a wise purchase? Buying at the top of the market...

I ended up going with a web design company, Volusion, and they've agreed to build me an e-commerce site that suits my business needs for $1,000 USD. Based on my research this was the best price out...

I was just wondering if there was a banker here on beyond who has had any homeowners come to them looking to re-finance to lower their payments so they could afford to keep their home instead of...

Yes, a lender not a mortgage broker.

Do you work for a bank originating loans?

If anyone on beyond is a loan originator with a bank, please let me know.

Has anyone ever used www.volusion.com for e-commerce web design?

Well, I'm way too busy to attempt something like this myself. Also, this is an e-commerce website which I'm assuming is not a DIY.

I tried filling out Chris's form on his website, but it's all messed up. Is there another way to contact him?

I'm expecting somewhere between $1,000-$2,000.

When the real estate market eventually bottoms out, I think buyers will have plenty of time to purchase as market growth will be relatively flat for quite some time.