Best in Rates, fastest online mortgage closings in Arizona and Colorado since 1999! Best in Life, Health, Disability, Long Term Care Insurance and Fixed Annuities. Lic in AZ, CO, and UT. Retirement Specialist . Home and Auto Insurance Agent representing 25 companies! >

Long Term Care, understanding how it works.

 

   

Best in Rates, fastest online mortgage closings in Arizona and Colorado since 1999! Best in Life, Health, Disability, Long Term Care Insurance and Fixed Annuities. Lic in AZ, CO, and UT. Retirement Specialist . Home and Auto Insurance Agent representing 25 companies! >

Long Term Care, understanding how it works.

Ted Gehrke
Mortgage Director Arizona-Colorado
NMLS# 240314
ted@turboloans.com
Desert Equity Lending, LLC
NMLS# 173369 MB-0906989
11995 N 139th Place Scottsdale Az 85259 Phone: 602-881-1414
Independent Contractor MLO for Desert Equity Lending LLC since 2005 Independent Life and Health Agent , Medicare and Annuity Long Term Care Specialist www.turbolifeplanning.com
Apply Now
Ted Gehrke
Mortgage Director Arizona-Colorado
NMLS# 240314
ted@turboloans.com
Desert Equity Lending, LLC
NMLS# 173369 MB-0906989
11995 N 139th Place Scottsdale Az 85259 Phone: 602-881-1414
Independent Contractor MLO for Desert Equity Lending LLC since 2005 Independent Life and Health Agent , Medicare and Annuity Long Term Care Specialist www.turbolifeplanning.com
Apply Now

AZ: 602-881-1414
CO: 720-775-9866
APPLY NOW

AZ: 602-881-1414
CO: 720-775-9866
APPLY NOW

loans

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Best Fixed Rate Annuities you will find! With American National, since 1905. A Rated by all three Rating Agencies.
Medicare, United Health, Humana, and Aetna/CVS
Appointed Agent

It pays to shop your Home, Auto, RV. ATV, Boat or Motorcycle Insurance AND make sure you have enough coverage!!

TurboHome Auto
Safeco Logo
Travelers Logo

Highest FIXED GUARANTEED ANNUITIES anywhere!

 

apply now

Best Fixed Rate Annuities you will find! With American National, since 1905. A Rated by all three Rating Agencies.
Medicare, United Health, Humana, and Aetna/CVS
Appointed Agent

It pays to shop your Home, Auto, RV. ATV, Boat or Motorcycle Insurance AND make sure you have enough coverage!!

TurboHome Auto
Safeco Logo
Travelers Logo

Highest FIXED GUARANTEED ANNUITIES anywhere!

 

Desert Equity Lending, LLC NMLS# 173369 | MB-0906989

Desert Equity Lending, LLC NMLS# 173369 | MB-0906989

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Loan Amount ($)
Interest Rate (%)
Loan Term (Yrs)
Payment:

Homeowners Insurance Information

When you insure your home, you should insure your home for the total amount it would cost to rebuild your home if it were destroyed. If you don't have sufficient insurance, your insurance company may only pay a portion of the cost of replacing or repairing damaged items.

There are three ways to insure the structure of your home:

  1. Replacement Cost: Insurance that pays the policyholder the cost of replacing the damaged property without deduction for depreciation, but limited to a maximum dollar amount.
  2. Guaranteed Replacement Cost: Insurance that pays the full cost of replacing damaged property, without a deduction for depreciation and without a dollar limit. This coverage is not available in all states and some companies limit the coverage to 120 percent of the cost of rebuilding your home. This gives you protection against such things as a sudden increase in construction costs due to a shortage of building materials.
  3. Actual Cash Value: Insurance under which the policyholder receives an amount equal to the replacement value of damaged property minus an allowance for depreciation. Unless a homeowner's policy specifies that property is covered for its replacement value, the coverage is for actual cash value.

For a quick estimate of the amount to rebuild your home, multiply the local building costs per square foot by the total square footage of your house. To find out the building rates in your area, consult your local builders association or real estate appraiser.

Factors that will determine the cost to rebuild your home:

  • Local construction costs
  • The square footage of the structure
  • The type of exterior wall construction: frame, masonry (brick or stone) or veneer
  • The style of the house (ranch, colonial)
  • The number of bathrooms and other rooms
  • The type of roof
  • Attached garages, fireplaces, exterior trim and other special features like arched windows.

Also be sure to check the value of your insurance policy against rising local building costs each year. Ask your insurance agent or company representative about adding an "Inflation Guard Clause" to your policy. This automatically adjusts the dwelling limit when you renew your policy to reflect current construction costs in your area. Also, be sure to increase the limit of your policy if you make improvements or additions to your house.

CALL TODAY for your no obligation quote: 602-881-1414

Mortgage Lending State: Arizona and Colorado

Contact us:

Ted Gehrke
Fax: 480-219-0849
Direct: 602-881-1414
Email: ted@turboloans.com

The data relating to mortgage loans and/or real estate for sale on this web site comes in part from the Mortgage 101 program. All data on this web site is deemed reliable but is not guaranteed.

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is displayed with the understanding that the publisher and authors are not engaged in rendering real estate, legal, accounting, tax, or other expert assistance is required, the services of a competent, professional person should be sought. The information contained in this publication is subject to change without notice.

DESERT EQUITY LENDING, LLC MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MATERIAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DESERT EQUITY LENDING, LLC SHALL NOT BE LIABLE FOR ERRORS CONTAINED HEREIN OR FOR ANY DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MATERIAL.

security Provided by OpenClose Proud Partner of OpenClose for 11 yrs
Service Provider

 

 

CALL TODAY for your no obligation quote: 602-881-1414

Mortgage Lending State: Arizona and Colorado

Contact us:

Ted Gehrke
Fax: 480-219-0849
Direct: 602-881-1414
Email: ted@turboloans.com

The data relating to mortgage loans and/or real estate for sale on this web site comes in part from the Mortgage 101 program. All data on this web site is deemed reliable but is not guaranteed.

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is displayed with the understanding that the publisher and authors are not engaged in rendering real estate, legal, accounting, tax, or other expert assistance is required, the services of a competent, professional person should be sought. The information contained in this publication is subject to change without notice.

DESERT EQUITY LENDING, LLC MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MATERIAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DESERT EQUITY LENDING, LLC SHALL NOT BE LIABLE FOR ERRORS CONTAINED HEREIN OR FOR ANY DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MATERIAL.

security Provided by OpenClose Proud Partner of OpenClose for 11 yrs
Service Provider