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I welcome your call or email and am happy to respond promptly to your requests. 928-274-2265.
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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Luminous continues to find me great opportunities!
My purchases and sales through her have been very successful
PWS, Ft. Lauderdale, FLA
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Luminous Realty Team
is one of The Top Selling Real Estate Experts™
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Mountain Country Mortgage, Inc.
Mountain Country Mortgage Sedona Arizona Branch 40 Soldiers Pass Road, Suite 15Sedona, Arizona 86336 Office (928) 204-5527 Fax (928) 282-5361
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Click the yellow highlighted area below to search all properties listed in the Sedona/Verde Valley. If you have any questions about properties, prices, Sedona, Cornville, Cottonwood, Camp Verde or surrounding areas, please....do not hesitate to phone. It is my pleasure to be of service.   Need local real estate information? We've summarized much of what is important about Sedona, and the Verde Valley real estate market in this site. Want to find out about mortgage loans? Luminous is a Loan Originator with Mountain Country Mortgage and can facilitate mortgage pre-qualification and loans for property purchase or refinance. Need expert advice? Want to be educated on our beautiful area and real estate market values and trends? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agent for life. As your trusted guide and consultant, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Sedona and Verde Valley real estate agent, we have the experience and track record you are looking for. Please let us help. - Luminous Realty 
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
What Pasadena, California house was the movie home of the eccentric "Doc" Brown in the 1989 film, "Back to the Future"?
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The famous Gamble House, a landmark of Craftsman architecture, is now open to the public for tours.
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