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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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Our interactions with her and her staff were easy,
So far, we have purchased two Sedona properties and sold one with Luminous acting as our agent.
J&D F, Indiana
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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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Things are heating up in Sedona and the entire Verde Valley real estate market! Let Luminous Realty find you something cool! Currently fantastic opportunities abound, with short sale and foreclosure properties captivating the market. I have an excellent track record for successfully navigating and closing these bank related deals. I make the entire process easy and effortless, while saving my clients thousands along the way. How may I help you? Just for starters try clicking on the yellow highlighted area below to search all the properties available in Sedona and the entire Verde Valley. If you have any questions, or would like to schedule a showing, please do not hesitate to contact me. It is my honor and pleasure to be of service. Suppose you can have what you want?
  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 
Financing Your Home >Financial Help
Escalating home prices often cause many first-time buyers to seek help from their families for the down payment on a new home. If your parents are providing financial assistance for the purchase of a home, it is important that you have very clear agreements with them about the conditions under which their help will be provided.
Sit down with your parents to discuss the details of the arrangement. Is the money they are providing a gift or a loan? If it is a gift, be sure to check with your tax expert to minimize the tax implications. If your parents are loaning the money for the down payment, how will it be paid back? Will there be joint ownership with an equity-sharing agreement? Will your parents be named on the ownership papers with you? Are special documents needed?
Whatever form it takes, parents who help their children buy a home give them an incredible gift!
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| Q |
What famous building receives a fresh coat of 300 tons of reddish-green paint every seven years?
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| A |
The Eiffel Tower in Paris, France. |
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