Twenty Five Years…

My husband and I recently celebrated 25 years of (mostly!) wedded bliss.  Don’t misunderstand me; it hasn’t been a cakewalk, but our years of hard work have given us a great marriage and lifestyle together.  Our anniversary gave me an opportunity to reflect upon and appreciate the keys to what makes our wonderful relationship work so well.  These behaviors, if practiced regularly will have a positive effect on all of your relationships, personal or business.

1.  Take responsibility for yourself and your relationship(s).  Don’t play the blame game–ever. Even if you’re not the cause of something negative, acknowlege the fact that you are sorry for it’s impact on your relationship. 

2. Forgive each other.  A friend once pointed out to me the definition of FORGIVE: to give as before.  Forgive often and sincerely.

3. Don’t ever complain to another person about your spouse, friend, or partner.  If you’re around someone who starts complaining  about their spouse, try to change the subject or offer something positive. 

4. Encourage, encourage, encourage!  You will be profoundly blessed  by this.

5. Be happy!  Abraham Lincoln said,”People are just as happy as they make their minds up to be.”  Happiness is a choice; as trivial as this sounds, it starts with putting a smile on your face.  Try it!

6. Take time out for yourself.  Recharging your “batteries’ brings vitality to all of your relationships.

7. Be ongoingly grateful and acknowlege what you appreciate in each other.

8. Play together and enjoy each other.  LJ and I just returned from a two week road trip to celebrate our anniversary.  We had a blast just being together.

9. Be honest with each other.  Keeping secrets is like putting a road block between you and your spouse.  “Oh what a terrible web we weave, when first we practice to deceive.”  Sometimes telling the truth can be risky, but hiding the truth for a lifetime can be deadly.

10. Share your relationship and what’s good about it with others.  People want to be around those who are happy and prospering. 

So much has happened in these past 25 years.  We’ve had several recessions and housing downturns followed by periods of incredible prosperity.  Knowing this is what keeps me optimistic about the future of our Tucson Real Estate Market.  I’ve been blessed with so many wonderful clients in my real estate business. LJ and I have built a successful custom homebuilding company, McCreary Homes, in buisness since 1988.  We’ve raised 2 wonderful kids, Abby and Connor, and made a place in our home for LJ’s mom, Erma, now 91 years old.

Life continues to be good, simply because we say so.

Denise McCreary

Denise’s Home Buying Tip #2

The Mortgage process-What NOT to do:

Mortgage rates are at an all time low.  With interest rates in t he low to mid 4%, you’d think buyers would be flooding the market.  Although the real estate market in Tucson does seem to be leveling off, buyers who are in the process of buying a home need to avoid doing anything that could jeopordize the loan approval process.  Gary Keller, in his book, “Shift” makes the following recommendations:

1. Don’t change your employment status

2. Don’t make any major purchases (cars, furniture, home  theater, vacations, etc.)

3. Don’t increase your credit card debt or miss any payments.

4. Don’t change bank accounts or make undisclosed large deposits.

5.Don’t apply for a credit card, co-sign a loan or make a credit inquiry.

6. Don’t spend money you have set aside for closing –not any, not ever.

7. Don’t delay in providing all paperwork asked for by the mortgage company.

I realize many potential homebuyers are concerned about how the economy can affect their ability to buy a home.  Just remember that homeownership is a long term investment in your future, and one of the most important ones you can make. There is a “Buyer Strength” phenomenon occurring right now which is driven by historically low interest rates and a large inventory of affordably priced homes on the market.

These days, many families who aspire to become homeowners are taking a “wait-and-see” approach, trying to buy at the “bottom” of the market. The problem with trying to time the market is that you can’t time the market. Again, conditions in our Tucson Real Estate Market, Luxury or otherwise, today are very favorable for home buyers; housing affordability has improved, and mortgage rates are, again, near historic lows.

It’s time for Tucson Homebuyers to get off the fence and take advantage of the fantastic real estate opportunities available today.

Denise McCreary