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Buyers Guide A

Short Sale
Home Purchase
Presented to You By

Shaunna Patterson
Short Sale Purchase Specialist & Master Short Sale Consultant

623.218.3341 Shaunna@SweetShortSale.com PDF processed with CutePDF evaluation edition www.CutePDF.com

What is a Short Sale?


. There is more debt owed against a property than the
propertys value. In a loan default situation, (preforeclosure) the creditor(s) may be willing to agree to allow the property to be sold for less than the loan amount and/or accept less than (or short) the amount owed as payment in full.

________________________________
The home may be over-leveraged or underwater The seller may behind on payments and cannot sell for high enough to cover what is owed plus other required fees to close. Lenders created short sales as a foreclosure alternative Lenders would rather allow sellers to short sale versus foreclosing. Foreclosing on properties costs lenders money

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

How Does A Short Sale Differ From Other Transactions


Short Sales have a longer approval process because:
Seller must qualify for a hardship Sellers must provide documentation An evaluation of market value must be conducted by the sellers lender More parties are involved in the approval process

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

Should You Place An Offer On A Short Sale


Short Sales transactions require buyers who meet specific qualifications.

Do not have a home to sale Able to wait weeks or months before receiving an answer to their offer Flexible on terms Flexible on closing Willing to purchase a home AS-IS Have solid financing with no financing restrictions such as excessive contributions

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

Parties Involved In A Typical Real Estate Transaction


AGENTS

TITLE

SELLER

BUYER

LENDER

APPRAISER

UNDERWRITER

INSPECTORS

INVESTOR GUIDELINES

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

Parties Involved In A Short Sale Transaction


AGENTS

TITLE

SELLER

LOAN SERVICER

BUYERS

BUYERS LENDER

LIENS

HOUSING COUNSELOR

CUSTOMER CARE CENTER

SHORT SALE DEPARTMENT

LITIGATION

INSPECTORS

UNDERWRITER

BPO/APPRAISER MORTGAGE INSURER MORTGAGE INVESTOR

CLOSING DEPARTMENT

APPRAISERS

INVESTOR GUIDELINES

PRIMARY

POOL

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

Why Should I Place an Offer On a Short Sale?


Most buyers place offers on Short Sale Properties for one or more of the following reasons:

There are no other properties available in the areas they want to live Property contains most of the items on their wish list Condition of the property Not willing to purchase a home without property disclosures Looking for a property under market value Not in a rush and flexible on closing date Not concerned if their offer is rejected

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

Searching For The Home


You Agent Will Help You
Locate all properties that meet your needs including Short Sales Qualify the Listing Agent Collect market data Compare the Short Sale Property with Your Needs Provide you with community, city, and school Information Schedule showings Help you complete the paperwork Present your offer Schedule inspections Make sure you get timely updates on the progression of your offer Manage the transaction
Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com 8

Submitting An Offer
What you will need to submit an offer on a Short Sale:
Purchase contract Short Sale Addendum AS-IS Addendum Fully Completed Loan Status Report or a Loan Approval Verification of Funds If Paying Cash Any Other Required Disclosures Your Real Estate Agent Is Here to Assist You!

Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

Why Your Agent is Best?


They Know this niche market They Know how to locate the right property for you They Work with a team of Experts who are familiar with Short Sale Transactions They are Ethically Obligated to Protect Your Interests
Shaunna Patterson 623.218.3341 Shaunna@SweetShortSale.com

10

In Conclusion
Purchasing a Short Sale home may require a little more patience and additional documentation submitted with your offer, but it just may be the path to finding your next great investment property or your familys dream home.

Shaunna Patterson
Short Sale Purchase Specialist & Master Short Sale Consultant
623.218.3341 Shaunna@SweetShortSale.com
11

AN IMPORTANT NOTICE ABOUT POOL SAFETY*


Drowning is a serious threat to young children in Arizona. Young children also suffer from a high number of near drownings that may lead to permanent, severe disability. Most of these incidents occur in the child's own backyard swimming pool. These tragedies must be stopped. To that end, the Arizona legislature has passed a law requiring that new occupants of dwellings with pools, and persons having a pool installed, receive this safety message about steps to prevent drownings and the legal responsibilities of pool ownership. State of Arizona law requires a barrier between the house and pool.** This law applies to homes with both a child under 6 years of age and a pool built after June 1, 1991. This law aims to impede children's access to their own pool. Likewise, all pools must have a barrier to keep out uninvited neighborhood children. Unless a local code provides otherwise***, the barrier must: Entirely enclose the pool area. Be at least 5 feet high, measured on the outside of the barrier. Not have openings, handholds or footholds that can be used to climb the barrier. Wire mesh or chain link fences shall have a maximum mesh size of 1 , inches measured horizontally. Have no openings through which a sphere 4 inches in diameter can pass. Horizontal components of any barrier shall be spaced not less than 45 inches apart measured vertically, or shall be placed on the poolside of the barrier, which shall have no opening greater than 1 inches measured horizontally. Be at least 20 inches from the water's edge. Prevent direct access from the house to the pool. Gates must be self-closing and self-latching with the latch located at least 54 inches above the ground or on the poolside with a release mechanism at least 5 inches below the top of the gate and no opening greater than inch within 24 inches of the release mechanism, or be secured by a padlock or similar devise which requires a key, electronic opener or integral combination, which can have the latch at any height. Gates must open outward from the pool. If a wall of the home forms part of the barrier, one of the following must be used: A barrier at least 4 feet high between the home and the pool which otherwise meets all of the requirements for a barrier set forth above. A motorized, safety pool cover which does not require manual operation other than the use of a key switch which meets the American Society of Testing and Materials (ASTM) emergency standard 13-89 (now ASTM #F 1346-91). Self-latching devices on all doors with direct access to the pool. Such latches shall meet the requirements for latches on self-closing gates set forth above. Emergency escape or rescue windows from sleeping rooms with access to the pool shall be equipped with a latching devise not less than 54 inches above the floor. All other openable dwelling unit or gucst room windows with similar access shall be equipped with a screwed in place wire mesh screen, or a keyed lock that prevents opening the window more than 4 inches, or a latching device located not less than 54 inches above the floor. An aboveground swimming pool shall have non-climbable exterior sides, which are a minimum height of 4 feet. Any access ladder or steps shall be removable without tools and secured in an inaccessible position with a latching device not less than 54 inches above the ground when the pool is not in use. ______________________________

* Approved pursuant to Arizona Revised Statutes 36-1681 and A.A.C. R9-3-101. * * "Pool" means an in-ground or aboveground swimming pool or other contained body of water 18 or more inches in depth, wider than 8 feet, and intended for swimming. * * * Phoenix, Peoria, Tucson, and some other cities, and unincorporated areas of Maricopa, Pima, and Pinal counties have different pool barrier requirements. Check with your city and county governments to see if they have adopted different pool barrier requirements.
Page 1 of 2 - An Important Notice About Pool Safety

Supervision is the key to prevent drownings.


Never leave children unsupervised in the pool or inside the pool area - not even for a second! Inform guests to your home of the importance of closely watching children around water. At parties, make sure someone is always watching the children around the pool. Don't count on barrier to keep children from reaching the pool. No barrier is foolproof Harriers only slow a child's access to the pool.

In case of emergency, act immediately!

1. 2. 3. 4.

Shout for help. Pull the child out of the water. Take the child to the phone and dial 911 (or the local emergency numbers) for help. Check airway and breathing. If needed, start CPR immediately. CPR can save lives and prevent serious injury.

Other smart tips to protect children around water:


DON'T: Don't keep toys tricycles or other playthings in the pool area. Also, remove items that a child could use to climb ova the barrier. Don't be distracted by phone calls, doorbells, or chores while children are in the pool. Your full attention should be on the children. Don't rely on swimming lessons or "floaties" to protect your children Don't prop gates open. DO: Attend a CPR class. All family members and baby-sitters should know CPR. For the nearest class, contact your local fire department. Post 911 (or the local emergency number) on all phones. Learn water rescue. Keep lifesaving equipment located near the pool, especially if you can't swim. Lock passageways (such as pet doors) leading to the pool. Inspect latches and gates regularly: keep them in working order. Set a good example. Insist on safety around the pool.

Buyer's Signature _________________________________

Date ____________

Buyer's Signature _________________________________


Page 2 of 2 - An Important Notice About Pool Safety

Date ____________

Loyalty Agreement
This agreement among______________________________________(Buyer), Real AZtate (Broker) and Shaunna Patterson (Buyer Specialist), is in effect from the date of signing until 9pm on the 90th day from date of signing, unless terminated in writing by Buyer or Sales Associate. 1. Agency Consent and Acknowledgement. At the time of signing this Agreement, Buyer is being represented by Buyer Specialist. Buyer acknowledges receipt of the document Arizona state buyers advisory and a copy of this agreement. Buyer has been advised to seek legal and tax advise, and to obtain the services of one or more professional home inspectors, in any transaction buyer may enter. 2. Brokers Right to Receive Compensation. While this Agreement remains in effect, Broker and its Buyer Specialist are the exclusive real estate licensee working with the Buyer to procure real property, and the Broker shall be entitled to receive the published selling office commission or other agreed upon fee in any property transaction Buyer may enter. Buyer agrees to disclose this agency relationship and right to compensation to all real estate brokers and licensees with whom Buyer may deal. 3. Buyer Specialists Responsibilities. Buyer Specialist agrees to make best effort to find the home to meet Buyers needs. Buyer Specialist will commit their time, car, computer, staff and experience to assist Buyer in procuring the home of Buyers choice. Buyer Specialist agrees to incur all car, phone, and administrative expenses associated with said search. Buyer Specialist will continue to assist with Buyers home search and purchase until Buyer either purchases a home or terminates Buyer Brokerage Agreement. 4. Buyers Responsibilities. Buyer agrees to notify Buyer Specialist if Buyers plans change. Buyer will notify Buyer Specialist if Buyer wants to view any home listed by a Broker, Builder, or For Sale By Owner. Buyer will work with Buyer Specialist until Buyer purchases the home of Buyers choice or termination of this Buyer Brokerage Agreement. 5. Termination. Buyer or Buyer Specialist may terminate this Buyer Brokerage Agreement at any time with forty-eight hours written notice.

Buyer Specialist

Date

Buyer Buyer

Date Date

C AUTION
U.S. Department of Housing and Urban Development Federal Housing Administration (FHA) OMB Approval No: 2502-0538 (exp. 07/31/2009)

Get a Home Inspection


C AUTION
Why a Buyer Needs a Home Inspection
A home inspection gives the buyer more detailed information about the overall condition of the home prior to purchase. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potential new home to:

For Your Protection:

a Evaluate the physical condition: structure, construction, and mechanical systems; a Identify items that need to be repaired or replaced; and a Estimate the remaining useful life of the major systems, equipment, structure, and finishes.

Appraisals are Different from Home Inspections


An appraisal is different from a home inspection. Appraisals are for lenders; home inspections are for buyers. An appraisal is required to: a Estimate the market value of a house; a Make sure that the house meets FHA minimum property standards/requirements; and a Make sure that the property is marketable.

FHA Does Not Guarantee the Value or Condition of your Potential New Home
If you find problems with your new home after closing, FHA can not give or lend you money for repairs, and FHA can not buy the home back from you. That is why it is so important for you, the buyer, to get an independent home inspection. Ask a qualified home inspector to inspect your potential new home and give you the information you need to make a wise decision.

Radon Gas Testing


The United States Environmental Protection Agency and the Surgeon General of the United States have recommended that all houses should be tested for radon. For more information on radon testing, call the toll-free National Radon Information Line at 1-800-SOS-Radon or 1-800-767-7236. As with a home inspection, if you decide to test for radon, you may do so before signing your contract, or you may do so after signing the contract as long as your contract states the sale of the home depends on your satisfaction with the results of the radon test.

Be an Informed Buyer
It is your responsibility to be an informed buyer. Be sure that what you buy is satisfactory in every respect. You have the right to carefully examine your potential new home with a qualified home inspector. You may arrange to do so before signing your contract, or may do so after signing the contract as long as your contract states that the sale of the home depends on the inspection.
HUD-92564-CN (6/06)

C AUTION

C AUTION

PHOENIX-GOODYEAR AIRPORT (NORTH) SUPERFUND SITE


U.S. Environmental Protection Agency $ Region 9 $ San Francisco, CA

Goodyear, Maricopa County, Arizona

October 2007

Engineering Evaluation/Cost Analysis for Perchlorate Treatment


he Environmental Protection Agency (EPA) released a document entitled, Engineering Evaluation/Cost Analysis (EE/CA) for Perchlorate Treatment, PhoenixGoodyear Airport (PGA) North Superfund Site, Goodyear, Arizona. The EPA developed the EE/CA report as the first step in a non-time critical removal action to address perchlorate contamination in extracted groundwater at the PGA North Superfund Site (Site). The EE/CA report provides information about the nature and extent of contamination and the related risks. The primary contaminants of concern associated with the Site

PUBLIC COMMENT PERIOD


A public comment period was held from August 18, 2007 through September 17, 2007. During this time, copies of the EE/CA for Perchlorate Treatment, PGA Nor th Superfund Site, Goodyear, Arizona document was available for review at the Information Repository located at the Avondale Public Library, 328 West Western Avenue, Avondale, AZ 85323; (623) 333-2665. The Draft EE/CA was also available at US EPAs Site Overview for the PGA site: www.epa.gov/region9/phoenix-goodyearairport

RID C

ANAL

EA-06

EA-05

are volatile organic compounds (VOCs), particularly trichloroethylene (TCE) and perchlorate. Unidynamics Phoenix, Inc. (UPI) used these chemicals as degreasing agents and propellants during their former operations in the testing and manufacturing defense system components. The EE/CA report addresses only perchlorate because remediation of TCE is already being addressed by the 1989 Record of Decision (ROD).
LEGEND
Estimated extent of Subunit A groundwater contamination, dashed where inferred (approx. 70-130 feet underground). *Based on Fourth Quarter 2006 groundwater monitoring data. EPA does not consider surface areas above the contaminated groundwater plume that are outside of the source area and not used for remediation activities as part of the Superfund site. Approximate location of proposed extraction well

PGA North Superfund SIte

The EE/CA report also evaluates three main criteria for addressing perchlorate-contaminated groundwater extracted from the Site: 1) Implementation; 2) Effectiveness; and 3) Cost. Additionally, the document identifies the potential regulatory requirements for these actions. The report considers four removal action alternatives (shown below) for cleanup at the Site and identifies the preferred alternative. Following a public review and comment period on the EE/CA report, EPA will document the selected removal action alternative in a Removal Action Memorandum.

Site Description and Background


The former Unidynamics/Phoenix, Inc. (UPI) facility is located on approximately 58 acres in Goodyear, Maricopa County, Arizona, approximately 17 miles west of downtown Phoenix. The physical boundaries of the UPI facility are Van Buren Street to the north, Litchfield Road to the east, a vacant field to the south and Union Pacific Railroad tracks to the west. The Site lies in the West Basin of the Salt River Valley. The Site consists of an area of contaminated groundwater that encompasses approximately two square miles and originates at the former UPI facility. Active operations took place at the facility from 1963 to 1994, including manufacturing and testing mechanical and electrical components used in defense and aerospace applications. The primary operations at the plant included manufacturing rocket propellant, processing and blending powder, assembling ordnance, machining, testing explosives and ballistics and related functions. Perchlorate is the primary chemical ingredient of solid rocket propellant. Historical records indicate that potassium perchlorate and ammonium perchlorate were associated with wastes disposed at the UPI facility. In 1981, the Arizona Department of Health Services (ADHS) discovered that groundwater in the Site area was contaminated with TCE and other VOCs from the manufacturing operations at UPI. As a result, EPA added the overall Phoenix-Goodyear Airport Site to the National Priorities List (NPL) in September 1983 as the Litchfield Airport Area Superfund Site. After the airport property was transferred to the City of Phoenix, the Site was renamed the Phoenix-Goodyear Airport Area Superfund Site. Later, the Site was divided into two parts representing two different source areas: Phoenix-Goodyear Airport North and Phoenix-Goodyear Airport South.

Following a detailed review of technologies for perchlorate removal, the EE/CA considers the following four removal action alternatives for the PGA North site:
$

Alternative 1 No Action. This consists of no action being taken, not even monitoring. EPA is required to evaluate this option for comparison purposes. Alternative 2 Ion Exchange (EPAs Preferred Alternative). A resin material (similar to small beads) is packed into large vessels and used to capture perchlorate from the groundwater. This alternative is preferred because the technology is effective; it is being implemented at the site in a fullscale pilot test; and it has a relatively low cost. Alternative 3 Tailored Liquid Phase Granular Activated Carbon. This alternative uses a specially-coated carbon packed into a large vessel to absorb the perchlorate from the groundwater. Alternative 4 Ex-Situ Biotreatment. This alternative uses a bioreactor in which the perchlorate is reduced to chloride and oxygen under anaerobic conditions.

Based on a favorable balance of the evaluation criteria presented in the EE/CA report, EPA prefers the implementation of Alternative 2. Compared to the other three alternatives considered, Alternative 2 provides the following advantages:
$

Proven technology to reduce perchlorate contamination to nondetectable concentrations Part of existing Main Treatment Systems (MTS) for ongoing groundwater cleanup Commercially available and broadly accepted technology Lowest overall cost to address perchlorate contamination at MTS

Results
The EE/CA states that the maximum historical perchlorate level in groundwater is 130 micrograms per liter (ug/L), and the maximum level based on 2006 data is 45 ug/L. A federal Safe Drinking Water Act standard has not been set for perchlorate. Therefore, EPA is selecting the ADHS health-based guidance level of 14 ug/L as the Site-specific cleanup level for perchlorate. Groundwater with perchlorate levels at or above 14 ug/L will require treatment.

The other alternatives were not preferred for various reasons. Alternative 1 was not selected because it would not meet the selected Site-specific cleanup level for perchlorate. Alternative 3 is still considered a developing technology and has not been widely utilized. Alternative 4 requires considerably more land area to implement and steps to maintain optimal conditions for the system performance.

Page $ 2

Phoenix-Goodyear Airport (North) Superfund Site

GLOSSARY
Aquifer is an underground geologic formation containing groundwater. Groundwater is the supply of water found below the ground surface, usually in an aquifer. Ion Exchange is a treatment technology used to remove perchlorate and other inorganic contaminants from groundwater. The technology uses small beads packed into a large vessel through which water passes. Ex Situ refers to treatment of groundwater that takes place above ground rather than in place or in situ. National Priorities List (NPL) is EPAs list of the most serious uncontrolled or abandoned hazardous waste sites identified for possible long-term remedial action under Superfund. The list is based primarily on the score a site receives from the Hazard Ranking System. A site must be on the NPL to receive money from Superfund for remedial action. Non-time Critical Removal Action is a short-term action with a planning period of more than six months prior to the start of on-site activities. This differs from Time Critical Removal Actions, which is typically used to respond to urgent situations. Perchlorate is a component of ammonium perchlorate and other inorganic salts used in rockets and other applications. Record of Decision (ROD) is a public document that explains which cleanup alternative(s) will be used at National Priorities List sites where, under CERCLA, Superfund pays for the cleanup. Removal Action is the short-term immediate actions taken to address releases of hazardous substances that require expedited response. Superfund is the common name for the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA), and is used to investigate and clean up abandoned or uncontrolled hazardous waste. Tailored Liquid Phase Granular Activated Carbon is a newer treatment technology used to remove perchlorate. Carbon, coated with a material that provides for perchlorate treatment, is packed into a large vessel through which water passes. Trichloroethylene (TCE) is a stable, low boiling-point colorless liquid, toxic if inhaled. It is used as a solvent or metal degreasing agent, and in other industrial applications. Volatile Organic Compounds (VOCs) are carbon-containing chemical compounds, some of which evaporate readily at room temperature.

Site Repository
Avondale Public Library 328 West Western Ave. Avondale, AZ 85323 (623) 333-2665 Hours: Monday-Thursday 10 a.m. - 7 p.m. Friday-Saturday 10 a.m. - 5 p.m. EPA Superfund Records Center 95 Hawthorne St., 4th Floor San Francisco, CA 94105 (415) 536-2000 Hours: Monday-Friday 8 a.m. - 5 p.m.

October 2007

Page $ 3

PHOENIX-GOODYEAR AIRPORT (NORTH) SUPERFUND SITE


Engineering Evaluation/Cost Analysis for Perchlorate Treatment

Site Contacts
Mary Aycock Remedial Project Manager USEPA Region 9 75 Hawthorne Street, SFD-8-2 San Francisco, CA 94105 (415) 972-3289 aycock.mary@epa.gov Jos Garca Community Involvement Coordinator USEPA Region 9 75 Hawthorne Street, SFD-3 San Francisco, CA 94105 (415) 972-3331 or (800) 231-3075 garcia.jose@epa.gov Cathy OConnell Remedial Project Manager ADEQ 1110 W Washington Street Phoenix, AZ 85007 (602) 771-4260 or (800) 234-5677, x7714260 co1@azdeq.gov Linda Mariner Community Involvement Coordinator ADEQ 1110 W Washington Street Phoenix, AZ 85007 (602) 771-4294 or (800) 234-5677, x7714294 mariner.linda@azdeq.gov

For more site information, visit the PGA Site Overview at: www.epa.gov/region09/phoenix-goodyearairport

United States Environmental Protection Agency Region 9 75 Hawthorne Street (SFD-3) San Francisco, CA 94105 Attn: Jos Garca (PGA-N 10/07)

FIRST-CLASS MAIL POSTAGE & FEES PAID

U.S. EPA Permit No. G-35

Official Business Penalty for Private Use, $300 Address Service Requested

Env vironmental lDisclosureStatement Superfu undInforma tion Prop perty:_____ ___________ ___________ __________ ___________ __________ ______
TheS StateofArizo ona,Maricopa aandPimaCo ountiesandallcitiesincor poratedhere ein,undervoluntarycoope erationwith theU UnitedStatesGovernment tEnvironmentalProtection nAgency,(EP PA)havedesig gnatedmany yareasasFederal Gove ernmentSupe erfundSites. Superfundisanallencompassingtermus sedtodesignateareastha atmayormay ynothavegro oundandgro oundwater aminationwithintheboun ndariesdesign natedbytheEPA.Theterm m,Superfun ndSitealsoincludesWate erQuality conta AssuranceRevolvingFund(W WQARF)sites, ,ComprehensiveEnvironm mentalRespo onse,Compen nsationandLi iabilitiesAct (CER RLA)sitesan ndpropertiesincludedont theNationalPriorityList. Many yareaswithin ntheStateha avebeendesignatedasSu uperfund,WQ QARF,CERLA,orNationalP PriorityListsites.The Buye ersareadvisedandagreet tocontracton neofthefollo owingagencie utandobtaintheirownind dependent estoseekou inves stigationconc cerningallma atterspertain ningtoSuper rfundSitesa andanyother rmattersinr referencetot thecondition oftheproperty. Arizon naDepartmen ntofEnvironm mentalQualit ty www.a adeq.state.az .us Mainoffice M Tucs sonOffice 3033NCentralA Avenue 400WCong gress,#433 Phoenix,AZ85 5012 Tu ucson,AZ857 701 P 002345677x x2202 520628673 33 180 Environment talProtection nAgency Regio on9Inquiries s 75Haw wthorneStre eet SanFran ncisco,CA94 4105 4157441500 etoherebyre elease,acquit tandforever dischargeRE EALAZTATE,andtheirrespective BySigningbelow,Buyersagree essors,assign ns,officers,directors,partn ners,employees,andagen nts,ontheiro ownbehalfan ndonbehalfofallparties succe claim mingbythroug ghthem(theReleasedPa arties),ofan ndfromanya andallrights,claims,obligations,andexpenses (inclu udingattorne eyfees),whet therknown,u unknown,fixe ed,contingen nt,accrued,in nchoate,orot therwise,tha atnowexist ormayhereafterarisepursuan nttostatute,contract,tort t,orliability, thattheundersignedmay ynoworhere eafterhave nsttheReleas sedPartiesincludingbutn notlimitedtoclaims,dama agesorliabilit tiesrelatedto othePropert ty. again ____________ ___________ ____________ _ ___________ ___________ ___________ _____ ____ Buye er Da ate Buyer Date
REALAZTATE DysartRoadSte e.#5 1650ND Goodyear,AZ85395 5 Ph hone:6232231633Fax:62 32231644

Updated:1/18/11

Thinking of Making an Offer on a Short Sale? What You Need to Know


Are you looking to buy a new home? Are you thinking that now's a great time to find bargains? That's true, but it pays to know a little about the seller's situation before you make an offer. If a home is being sold for below what the current seller owes on the propertyand the seller does not have other funds to make up the difference at closingthe sale is considered a short sale. Many more home owners are finding themselves in this situation due to a number of factors, including job losses, aggressive borrowing against their home in the days of easy credit, and declining home values in a slower real estate market. A short sale is different from a foreclosure, which is when the seller's lender has taken title of the home and is selling it directly. Homeowners often try to accomplish a short sale in order to avoid foreclosure. But a short sale holds many potential pitfalls for buyers. Know the risks before you pursue a short-sale purchase. You're a good candidate for a short-sale purchase if: You're very patient. Even after you come to agreement with the seller to buy a short-sale property, the sellers lender (or lenders, if there is more than one mortgage) has to approve the sale before you can close. When there is only one mortgage, short-sale experts say lender approval typically takes about two months. If there is more than one mortgage with different lenders, it can take four months or longer for the lenders to approve the sale. Your financing is in order. Lenders like cash offers. But even if you cant pay all cash for a short-sale property, its important to show you are well qualified and your financing is set. If you're preapproved, have a large down payment, and can close at any time, your offer will be viewed more favorably than that of a buyer whose financing is less secure. You dont have any contingencies. If you have a home to sell before you can close on the purchase of the short-sale propertyor you need to be in your new home by a certain timea short sale may not be for you. Lenders like no-contingency offers and flexible closing terms.

If you're serious about purchasing a short-sale property, it's important for you to have expert assistance. Here are some people you want to work with: Experienced real estate attorney. Only about two out of five short sales are approved by lenders. But a good real estate attorney who's knowledgeable about the short-sale process will increase your chances getting an approved contract. Also, if you want any provisions or very specialized language written into the purchase contract, a real estate attorney is essential throughout the negotiation. A qualified real estate professional.* You may have a close friend or relative in real estate, but if that person doesnt know anything about short sales, working with him or her may hurt your chances of a successful closing. Interview a few practitioners and ask them how many buyers they've represented in a short sale and, of those, how many have successfully closed. A qualified real estate professional will be able to show you short-sale homes, help negotiate the purchase when you find the property you want to buy, and smooth communications with the lender. (All MLSs permit, and some now require, special notations to indicate that a listing is a short sale. There also are certain phrases you can watch for, such as lender approval required.) Title officer. Its a good idea to have a title officer do an initial title search on a short-sale property to see all the liens attached to the property. If there are multiple lien holders (e.g., second or third mortgage or lines of credit, real estate tax lien, mechanics lien, homeowners association lien, etc.), it's much tougher to get that short sale contract to the closing table. Any of the lien holders could put a kink in the process even after youve waited for months for lender approval. If you dont know a title officer, your real estate attorney or real estate professional should be able to recommend a few.

Some of the other risks faced by buyers of short-sale properties include:

Reprinted from REALTOR magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS. Copyright 2008. All rights reserved.

Potential for rejection. Lenders want to minimize their losses as much as possible. If you make an offer tremendously lower than the fair market value of the home, chances are that your offer will be rejected and youll have wasted months. Or the lender could make a counteroffer, which will lengthen the process. Bad terms. Even when a lender approves a short sale, it could require that the sellers sign a promissory note to repay the deficient amount of the loan, which may not be acceptable to some financially desperate sellers. In that case, the sellers may refuse to go through with the short sale. Lenders also can change any of the terms of the contract that youve already negotiated, which may not be agreeable to you. No repairs or repair credits. You will most likely be asked to take the property as is. Lenders are already taking a loss on the property and may not agree to requests for repair credits.

The risks of a short sale are considerable. But if you have the time, patience, and iron will to see it through, a short sale can be a win-win for you and the sellers. * Not all real estate practitioners are REALTORS. A REALTOR is a member of the NATIONAL ASSOCIATION OF REALTORS and is bound by NARs strict code of ethics. Note: This article provides general information only. Information is not provided as advice for a specific matter. Laws vary from state to state. For advice on a specific matter, consult your attorney or CPA.

Reprinted from REALTOR magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS. Copyright 2008. All rights reserved.

U. S. Department of Housing and Urban Development

EQUAL HOUSING OPPORTUNITY

We Do Business in Accordance With the Federal Fair Housing Law


(The Fair Housing Amendments Act of 1988)

It is illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin

In the sale or rental of housing or residential lots In advertising the sale or rental of housing In the financing of housing

In the provision of real estate brokerage services In the appraisal of housing Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (Toll Free) 1-800-927-9275 (TTY)

U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity Washington, D.C. 20410
form HUD-928.1 (2/2003)

Previous editions are obsolete

As a real estate agent in Arizona, we are required to give you the latest buyer disclosure information regardless if you are a seller or a buyer. As a buyer, you would be required to sign a copy of this document when you buy a home. As a seller, you should know the information that people will be looking at about your area. In order to give you the latest version, I recommend going to the ADRE ( Arizona Department of Real Estate ) Buyer disclosure web link: http://www.aaronline.com/documents/buy_advis.pdf

If you have any questions after viewing this web link, please let me know so that we can discuss the issues with you.

If you do not have access to the web site, please let me know and I will print a hard copy for you.

Simple Steps To Protect Your Family From Lead Hazards


If you think your home has high levels of lead:
N Get your young children tested for lead, even if they seem healthy. N Wash childrens hands, bottles, pacifiers, and toys often. N Make sure children eat healthy, low-fat foods. N Get your home checked for lead hazards. N Regularly clean floors, window sills, and other surfaces. N Wipe soil off shoes before entering house. N Talk to your landlord about fixing surfaces with peeling or chipping paint. N Take precautions to avoid exposure to lead dust when remodeling or renovating (call 1-800-424LEAD for guidelines). N Dont use a belt-sander, propane torch, high temperature heat gun, scraper, or sandpaper on painted surfaces that may contain lead. N Dont try to remove lead-based paint yourself.

Protect Your Family From Lead In Your Home


United States Environmental Protection Agency United States Consumer Product Safety Commission United States Department of Housing and Urban Development

Recycled/Recyclable Printed with vegetable oil based inks on recycled paper (minimum 50% postconsumer) process chlorine free.

Are You Planning To Buy, Rent, or Renovate a Home Built Before 1978?
any houses and apartments built before 1978 have paint that contains high levels of lead (called leadbased paint). Lead from paint, chips, and dust can pose serious health hazards if not taken care of properly. OWNERS, BUYERS, and RENTERS are encouraged to check for lead (see page 6) before renting, buying or renovating pre1978 housing.

IMPORTANT!
Lead From Paint, Dust, and Soil Can Be Dangerous If Not Managed Properly
FACT: Lead exposure can harm young children and babies even before they are born. FACT: Even children who seem healthy can have high levels of lead in their bodies. FACT: People can get lead in their bodies by breathing or swallowing lead dust, or by eating soil or paint chips containing lead. FACT: People have many options for reducing lead hazards. In most cases, lead-based paint that is in good condition is not a hazard. FACT: Removing lead-based paint improperly can increase the danger to your family. If you think your home might have lead hazards, read this pamphlet to learn some simple steps to protect your family.

M F

ederal law requires that individuals receive certain information before renting, buying, or renovating pre-1978 housing: LANDLORDS have to disclose known information on lead-based paint and lead-based paint hazards before leases take effect. Leases must include a disclosure about lead-based paint. SELLERS have to disclose known information on lead-based paint and lead-based paint hazards before selling a house. Sales contracts must include a disclosure about lead-based paint. Buyers have up to 10 days to check for lead. RENOVATORS disturbing more than 2 square feet of painted surfaces have to give you this pamphlet before starting work.

Lead Gets in the Body in Many Ways


Childhood lead poisoning remains a major environmental health problem in the U.S.
People can get lead in their body if they: N Breathe in lead dust (especially during renovations that disturb painted surfaces). N Put their hands or other objects covered with lead dust in their mouths. N Eat paint chips or soil that contains lead. Lead is even more dangerous to children under the age of 6: N At this age childrens brains and nervous systems are more sensitive to the damaging effects of lead.

Leads Effects It is important to know that even exposure to low levels of lead can severely harm children. In children, lead can cause: N Nervous system and kidney damage. N Learning disabilities, attention deficit disorder, and decreased intelligence. N Speech, language, and behavior problems. N Poor muscle coordination. N Decreased muscle and bone growth. N Hearing damage. While low-lead exposure is most common, exposure to high levels of lead can have devastating effects on children, including seizures, unconsciousness, and, in some cases, death. Although children are especially susceptible to lead exposure, lead can be dangerous for adults too. In adults, lead can cause: N Increased chance of illness during pregnancy. N Harm to a fetus, including brain damage or death. N Fertility problems (in men and women). N High blood pressure. N Digestive problems. N Nerve disorders. N Memory and concentration problems. N Muscle and joint pain.
Digestive Problems Reproductive Problems Adults) Slowed Growth Brain or Nerve Damage Hearing Problems

Even children who appear healthy can have dangerous levels of lead in their bodies.

N Childrens growing bodies absorb more lead. N Babies and young children often put their hands and other objects in their mouths. These objects can have lead dust on them. Lead is also dangerous to women of childbearing age: N Women with a high lead level in their system prior to pregnancy would expose a fetus to lead through the placenta during fetal development.

Lead affects the body in many ways.

Where Lead-Based Paint Is Found


In general, the older your home, the more likely it has leadbased paint.
Many homes built before 1978 have leadbased paint. The federal government banned lead-based paint from housing in 1978. Some states stopped its use even earlier. Lead can be found: N In homes in the city, country, or suburbs. N In apartments, single-family homes, and both private and public housing. N Inside and outside of the house. N In soil around a home. (Soil can pick up lead from exterior paint or other sources such as past use of leaded gas in cars.)

Identifying Lead Hazards


Lead-based paint is usually not a hazard if it is in good condition, and it is not on an impact or friction surface, like a window. It is defined by the federal government as paint with lead levels greater than or equal to 1.0 milligram per square centimeter, or more than 0.5% by weight. Deteriorating lead-based paint (peeling, chipping, chalking, cracking or damaged) is a hazard and needs immediate attention. It may also be a hazard when found on surfaces that children can chew or that get a lot of wear-and-tear, such as: N Windows and window sills. N Doors and door frames. N Stairs, railings, banisters, and porches. Lead dust can form when lead-based paint is scraped, sanded, or heated. Dust also forms when painted surfaces bump or rub together. Lead chips and dust can get on surfaces and objects that people touch. Settled lead dust can re-enter the air when people vacuum, sweep, or walk through it. The following two federal standards have been set for lead hazards in dust: N 40 micrograms per square foot (g/ft2) and higher for floors, including carpeted floors. N 250 g/ft2 and higher for interior window sills. Lead in soil can be a hazard when children play in bare soil or when people bring soil into the house on their shoes. The following two federal standards have been set for lead hazards in residential soil: N 400 parts per million (ppm) and higher in play areas of bare soil. N 1,200 ppm (average) and higher in bare soil in the remainder of the yard. The only way to find out if paint, dust and soil lead hazards exist is to test for them. The next page describes the most common methods used. 5

Lead from paint chips, which you can see, and lead dust, which you cant always see, can both be serious hazards.

Checking Your Family for Lead


Get your children and home tested if you think your home has high levels of lead.
To reduce your child's exposure to lead, get your child checked, have your home tested (especially if your home has paint in poor condition and was built before 1978), and fix any hazards you may have. Children's blood lead levels tend to increase rapidly from 6 to 12 months of age, and tend to peak at 18 to 24 months of age. Consult your doctor for advice on testing your children. A simple blood test can detect high levels of lead. Blood tests are usually recommended for: N Children at ages 1 and 2. N Children or other family members who have been exposed to high levels of lead. N Children who should be tested under your state or local health screening plan. Your doctor can explain what the test results mean and if more testing will be needed.
4

Checking Your Home for Lead


Just knowing that a home has leadbased paint may not tell you if there is a hazard.
You can get your home tested for lead in several different ways: N A paint inspection tells you whether your home has lead-based paint and where it is located. It wont tell you whether or not your home currently has lead hazards. N A risk assessment tells you if your home currently has any lead hazards from lead in paint, dust, or soil. It also tells you what actions to take to address any hazards. N A combination risk assessment and inspection tells you if your home has any lead hazards and if your home has any lead-based paint, and where the lead-based paint is located. Hire a trained and certified testing professional who will use a range of reliable methods when testing your home. N Visual inspection of paint condition and location. N A portable x-ray fluorescence (XRF) machine. N Lab tests of paint, dust, and soil samples. There are state and federal programs in place to ensure that testing is done safely, reliably, and effectively. Contact your state or local agency (see bottom of page 11) for more information, or call 1-800-424-LEAD (5323) for a list of contacts in your area. Home test kids for lead are available, but may not always be accurate. Consumers should not rely on these kits before doing renovations or to assure safety.
6

What You Can Do Now To Protect Your Family


If you suspect that your house has lead hazards, you can take some immediate steps to reduce your familys risk: N If you rent, notify your landlord of peeling or chipping paint. N Clean up paint chips immediately. N Clean floors, window frames, window sills, and other surfaces weekly. Use a mop or sponge with warm water and a general all-purpose cleaner or a cleaner made specifically for lead. REMEMBER: NEVER MIX AMMONIA AND BLEACH PRODUCTS TOGETHER SINCE THEY CAN FORM A DANGEROUS GAS. N Thoroughly rinse sponges and mop heads after cleaning dirty or dusty areas. N Wash childrens hands often, especially before they eat and before nap time and bed time. N Keep play areas clean. Wash bottles, pacifiers, toys, and stuffed animals regularly. N Keep children from chewing window sills or other painted surfaces. N Clean or remove shoes before entering your home to avoid tracking in lead from soil. N Make sure children eat nutritious, low-fat meals high in iron and calcium, such as spinach and dairy products. Children with good diets absorb less lead.
7

Reducing Lead Hazards In The Home


Removing lead improperly can increase the hazard to your family by spreading even more lead dust around the house.
Always use a professional who is trained to remove lead hazards safely. In addition to day-to-day cleaning and good nutrition: N You can temporarily reduce lead hazards by taking actions such as repairing damaged painted surfaces and planting grass to cover soil with high lead levels. These actions (called interim controls) are not permanent solutions and will need ongoing attention. N To permanently remove lead hazards, you should hire a certified lead abatement contractor. Abatement (or permanent hazard elimination) methods include removing, sealing, or enclosing lead-based paint with special materials. Just painting over the hazard with regular paint is not permanent removal. Always hire a person with special training for correcting lead problemssomeone who knows how to do this work safely and has the proper equipment to clean up thoroughly. Certified contractors will employ qualified workers and follow strict safety rules as set by their state or by the federal government. Once the work is completed, dust cleanup activities must be repeated until testing indicates that lead dust levels are below the following: N 40 micrograms per square foot (g/ft2) for floors, including carpeted floors; N 250 g/ft2 for interior windows sills; and N 400 g/ft2 for window troughs. Call your state or local agency (see bottom of page 11) for help in locating certified professionals in your area and to see if financial assistance is available.

Remodeling or Renovating a Home With Lead-Based Paint


Take precautions before your contractor or you begin remodeling or renovating anything that disturbs painted surfaces (such as scraping off paint or tearing out walls): N Have the area tested for lead-based paint. N Do not use a belt-sander, propane torch, high temperature heat gun, dry scraper, or dry sandpaper to remove lead-based paint. These actions create large amounts of lead dust and fumes. Lead dust can remain in your home long after the work is done. N Temporarily move your family (especially children and pregnant women) out of the apartment or house until the work is done and the area is properly cleaned. If you cant move your family, at least completely seal off the work area. N Follow other safety measures to reduce lead hazards. You can find out about other safety measures by calling 1-800-424-LEAD. Ask for the brochure Reducing Lead Hazards When Remodeling Your Home. This brochure explains what to do before, during, and after renovations. If you have already completed renovations or remodeling that could have released lead-based paint or dust, get your young children tested and follow the steps outlined on page 7 of this brochure.

If not conducted properly, certain types of renovations can release lead from paint and dust into the air.

Other Sources of Lead


N Drinking water. Your home might have plumbing with lead or lead solder. Call your local health department or water supplier to find out about testing your water. You cannot see, smell, or taste lead, and boiling your water will not get rid of lead. If you think your plumbing might have lead in it: While paint, dust, and soil are the most common sources of lead, other lead sources also exist. Use only cold water for drinking and cooking. Run water for 15 to 30 seconds before drinking it, especially if you have not used your water for a few hours. N The job. If you work with lead, you could bring it home on your hands or clothes. Shower and change clothes before coming home. Launder your work clothes separately from the rest of your familys clothes. N Old painted toys and furniture. N Food and liquids stored in lead crystal or lead-glazed pottery or porcelain. N Lead smelters or other industries that release lead into the air. N Hobbies that use lead, such as making pottery or stained glass, or refinishing furniture. N Folk remedies that contain lead, such as greta and azarcon used to treat an upset stomach.

For More Information


The National Lead Information Center Call 1-800-424-LEAD (424-5323) to learn how to protect children from lead poisoning and for other information on lead hazards. To access lead information via the web, visit www.epa.gov/lead and www.hud.gov/offices/lead/. EPAs Safe Drinking Water Hotline Call 1-800-426-4791 for information about lead in drinking water. Consumer Product Safety Commission (CPSC) Hotline To request information on lead in consumer products, or to report an unsafe consumer product or a product-related injury call 1-800-6382772, or visit CPSC's Web site at: www.cpsc.gov. Health and Environmental Agencies Some cities, states, and tribes have their own rules for lead-based paint activities. Check with your local agency to see which laws apply to you. Most agencies can also provide information on finding a lead abatement firm in your area, and on possible sources of financial aid for reducing lead hazards. Receive up-to-date address and phone information for your local contacts on the Internet at www.epa.gov/lead or contact the National Lead Information Center at 1-800-424-LEAD. For the hearing impaired, call the Federal Information Relay Service at 1-800-877-8339 to access any of the phone numbers in this brochure. 11

10

EPA Regional Offices


Your Regional EPA Office can provide further information regarding regulations and lead protection programs.

CPSC Regional Offices


Your Regional CPSC Office can provide further information regarding regulations and consumer product safety.

EPA Regional Offices Region 1 (Connecticut, Massachusetts, Maine, New Hampshire, Rhode Island, Vermont) Regional Lead Contact U.S. EPA Region 1 Suite 1100 (CPT) One Congress Street Boston, MA 02114-2023 1 (888) 372-7341 Region 2 (New Jersey, New York, Puerto Rico, Virgin Islands) Regional Lead Contact U.S. EPA Region 2 2890 Woodbridge Avenue Building 209, Mail Stop 225 Edison, NJ 08837-3679 (732) 321-6671 Region 3 (Delaware, Maryland, Pennsylvania, Virginia, Washington DC, West Virginia) Regional Lead Contact U.S. EPA Region 3 (3WC33) 1650 Arch Street Philadelphia, PA 19103 (215) 814-5000 Region 4 (Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee) Regional Lead Contact U.S. EPA Region 4 61 Forsyth Street, SW Atlanta, GA 30303 (404) 562-8998 Region 5 (Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin) Regional Lead Contact U.S. EPA Region 5 (DT-8J) 77 West Jackson Boulevard Chicago, IL 60604-3666 (312) 886-6003 Region 6 (Arkansas, Louisiana, New Mexico, Oklahoma, Texas) Regional Lead Contact U.S. EPA Region 6 1445 Ross Avenue, 12th Floor Dallas, TX 75202-2733 (214) 665-7577

Eastern Regional Center Consumer Product Safety Commission 201 Varick Street, Room 903 New York, NY 10014 (212) 620-4120 Central Regional Center Consumer Product Safety Commission 230 South Dearborn Street, Room 2944 Chicago, IL 60604 (312) 353-8260

Western Regional Center Consumer Product Safety Commission 1301 Clay Street, Suite 610-N Oakland, CA 94612 (510) 637-4050

Region 7 (Iowa, Kansas, Missouri, Nebraska) Regional Lead Contact U.S. EPA Region 7 (ARTD-RALI) 901 N. 5th Street Kansas City, KS 66101 (913) 551-7020 Region 8 (Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming) Regional Lead Contact U.S. EPA Region 8 999 18th Street, Suite 500 Denver, CO 80202-2466 (303) 312-6021

HUD Lead Office


Please contact HUD's Office of Healthy Homes and Lead Hazard Control for information on lead regulations, outreach efforts, and lead hazard control and research grant programs.
U.S. Department of Housing and Urban Development Office of Healthy Homes and Lead Hazard Control 451 Seventh Street, SW, P-3206 Washington, DC 20410 (202) 755-1785

Region 9 (Arizona, California, Hawaii, Nevada) Regional Lead Contact U.S. Region 9 75 Hawthorne Street San Francisco, CA 94105 (415) 947-4164 Region 10 (Alaska, Idaho, Oregon, Washington) Regional Lead Contact U.S. EPA Region 10 Toxics Section WCM-128 1200 Sixth Avenue Seattle, WA 98101-1128 (206) 553-1985

This document is in the public domain. It may be reproduced by an individual or organization without permission. Information provided in this booklet is based upon current scientific and technical understanding of the issues presented and is reflective of the jurisdictional boundaries established by the statutes governing the co-authoring agencies. Following the advice given will not necessarily provide complete protection in all situations or against all health hazards that can be caused by lead exposure. U.S. EPA Washington DC 20460 U.S. CPSC Washington DC 20207 U.S. HUD Washington DC 20410 EPA747-K-99-001 June 2003

12

13

Your Handy Borrowers Checklist


Items needed to process your loan application
Name and address of current employers Name and addresses of previous employers to verify 2 years employment Name and addresses of landlords to verify 2 years residency Name, address, account numbers of all bank accounts Name, address, account number, monthly payment and balance of all installment debt Current purchasers address plus accurate legal description Photocopy of drivers license and Social Security card Copy of latest pay stub (update may be required) Copy of all latest bank statements (update may be required) If you are self-employed: 2 years federal and state tax returns (page 2 to be signed) Current Profit and Loss statement Current year Balance Sheet If incorporated-last 2 years Corporate returns, current year Profit and Loss and Balance Sheet If partnership-last 2 years Partnership returns, current year Profit and Loss and Balance Sheet on partnership Copy of K-1 for any partnership interest Amount currently paid for rent or housing payment W-2s from last 2 years If you own other property: Rental agreements Contract and payment ledger if owner contract Closing/Settlement Statement of home to be sold Copy of Earnest Money Agreement for pending sales If you own property free and clear, cover sheet of current insurance policy If divorced, a copy of Divorce Decree If you receive child support, proof of payment for 12 months Copy of signed Earnest Money Agreement If VA loan, Certificate of Eligibility or DD-214 or Statement of Service
Notes:

SURPRISE / LUKE NOTIFICATION MAP


Dixeleta Dr
29800N

Dixeleta Dr
29800N

Patton Rd
28200N

Dynamite Blvd
28200N

R4W R3W

R3W R2W

T5N T4N

Jomax Rd
26600N

T5N T4N

Jomax Rd
26600N

R2W R1W

T5N T4N

Happy Valley Rd
25000N

Happy Valley Rd
25000N

ra n

As a proud neighbor of Luke Air Force Base, the City of Surprise would like all residents to know that this community is in the proximity of Luke Air Force Base.

Av

NOTICE: Therefore all homes in the City of Surprise are Subject to military aircraft over-flights from Luke Air Force Base.

Pinnacle Peak Rd
23400N

Pinnacle Peak Rd
23400N

Deer Valley Rd
21800N

Deer Valley Rd
21800N

Beardsley Rd
20200N

Beardsley Rd
20200N

Sun Valley Parkway Union Hills Dr


18600N

235th Ave

211th Ave

219th Ave/Crosier Rd

203rd Ave

227th Ave

23500W

22700W

21900W

21100W

T4N T3N 243rd Ave 251st Ave


25100W 24300W

T4N T3N

20300W

Bell Rd
17000N

T4N T3N R1W R1E

R3W R2W

Greenway Rd
15400N

Legend
1995 Luke Air Force Base Noise Contours 1988 Joint Land Use Noise Contours Clear Zone APZ 1 APZ 2 Surprise City Boundary
Waddell Rd
13800N

Thunderbird Rd
13800N

65 ldn

Perryville Rd

El Mirage Rd

Sarival Ave

Bullard Ave

Reems Rd

Litchfield Rd

White Tank

Cactus Rd
12200N

Estrella Fwy (SR 303)

70 ldn
Dysart Rd
13900W 13100W

195th Ave

115th Ave

Citrus Rd

Cotton Ln

17900W

17100W

15500W

16300W

19500W

18700W

14700W

75 ldn

Peoria Ave

Notes:
1) Noise does not stop at a line, and single noise events in excess of 65 decibels will occur outside the 65 ldn line

Mountain Regional Park

10600N

Olive Ave
9000N

80 ldn

Northern Ave
8000N

0.5

2 Miles
Glendale Ave
7000N

Adopted by Resolution #03-68 After Coucil Approval

LUKE AIR FORCE BASE

12300W

11500W

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