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Cave Creek Arizona, a Great Place to Call Home<
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Cave Creek is one of those towns you must visit the next time you are in Arizona. Situated in Maricopa County, about half an hour northeast of downtown Phoenix, in the Valley of the Sun.
First settled in the 1870s as a mining camp the town incorporated in 1986; consequently it will celebrate its 20th Anniversary this year. In fact, a visit to the Cave Creek Museum is very informative and is well worth it.
Nestled on the western side of Black Mountain, the town recently took steps that will lead to the opening of hiking trails on that mountain, which hopefully will lead to its preservation as a nature reserve. In that light, in recent years Cave Creekers voted to buy, via a self-imposed tax, the several thousand acres that now form the Spur Cross Ranch Preservation area. This is a very popular local attraction that provides many hiking trails, of varying difficulty, as well as many guided tours by park rangers through normally restricted areas several times a year.
About 10 miles east is the Tonto National Forest, which just recently was blanketed in a foot of snow; an occurrence that happens roughly once a decade that brought many visitors from all around, the youngest of which were glimpsing the white stuff, in person, for the first time.
Cave Creek is well known as an equestrian town and seeing a horse on the highway is almost a daily occurrence. Many homes, usually on more than 2 acres, are zoned with horse privileges in mind. (Check with the very helpful folks at Cave Creek Town Hall to make sure). The two main equestrian events are Fiesta Days in the spring and Wild West Days in the fall, which attract many visitors to the town.
The main street offers western flavored stores, including many saloon-style Bar/Restaurants. And yes, you will see a horse tied up outside, just like the movies. We also have a world class five star restaurant, Binkley's, which is a treat this writer reserves for special occasions.
Buying a single family home in Cave Creek "proper", generally, but not exclusively, north of Carefree Highway starts in the low 0s, and goes all the way up to the multi-millions. At the higher end, many homes have between 4 and 10 car garages, and it is not at all unusual, on the weekend, to see motorcycles and antique cars touring through the countryside.
If you were ever thinking of coming to Cave Creek, there has never been a better time. Prices have leveled, if not dipped slightly, since the madness of last year, giving buyers an opportunity to negotiate a fair price for their next home.
I live in Cave Creek myself, and heartily recommend it.
About the Author
Gary Kiernan is a licensed Broker in both Arizona and California, who practices real estate in Arizona with his wife who is a licensed sales associate also in both states. They specialize in the Greater Phoenix area concentrating on Cave Creek, Carefree, Scottsdale, Phoenix including Desert Hills, Anthem, Paradise Valley, Gilbert, Mesa and Chandler. To learn more about Gary and Shannon and Cave Creek, Arizona and the surrounding communities pleas
Online Refinance
One of the most popular advantages to researching re-financing online is the ability to comparison shop at the homeowners convenience. This is important because many homeowners work long hours and often find they are not able to meet with lenders during regular business hours because of job restraints. The Internet, however, is open 24 hours a day and allows homeowners to research their options, make important calculations or receive online quotes at any time of the day through the use of automated systems.
Homeowners can also take their time comparing the quotes they receive from these lenders online instead of feeling pressured to provide an immediate response. While homeowners may have some additional time available to them, these same homeowners should realize they do need to act relatively quickly to lock in estimates they receive as interest rates are often time sensitive in nature and cannot be guaranteed for long periods of time.
Use Only Reliable Resources
Homeowners who are using the Internet to research re-financing options and obtain quotes should carefully consider their sources when making important decisions regarding the subject of re-financing. Homeowners who stick with well known lenders and established websites will not likely encounter problems but those who select a new lender may be surprised by the results of the re-financing attempt.
Homeowners who are unsure about the reliability of a particular resource or lender should do additional research on the company. One of the easiest ways to do this is to consult the Better Business Bureau (BBB). The BBB may be able to provide the homeowner with valuable information regarding the number of previous complaints against the company. A company who has a large number of unresolved complaints should be considered an unreliable company. However, homeowners should not assume companies without a significant number of complaints are reputable unless the company has been in existence for a number of years and is a member of the BBB.
Homeowners should also take care not to be fooled by fancy web design. A website which looks very professional is not necessarily a website which is accurate and informative. Many skilled website designers can create websites which are both attractive and professional looking. These website designers can also optimize a website for particular mortgage related keywords so users find the page easily when searching for these terms but this does not necessarily make the website designer knowledgeable about the subject to re-financing.
Confirm Loan Terms in Person before Committing
While shopping for re-financing options online is certainly easy and convenient, homeowners should consider completing the application process either in person or over the phone instead of relying on an automated system. While the Internet is good for research purposes, homeowners can take advantage of face to face meetings or telephone conferences to ask all of their relevant questions. Asking all of these questions will help the homeowner to ensure he fully understand the loan terms as well as all of his available options.
Completing the re-financing process in person or over the phone can also prevent the homeowner from being surprised by any elements of the mortgage re-finance. This may include additional fees which are tacked on during the processing of the application, rates which are only available in certain situations or other elements of the re-financing agreement which could significantly impact the homeowners decision making process.
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