Improved Mileage Blog

It wasn’t all that long ago that new subdivisions went up with little thought or planning being given to the infrastructure that would be needed to support this new mini-city. But this is definitely not an issue with Anthem. Everything you’ve come to expect from a modern community is either there now or being built.

Anthem, a creation of Dell-Webb, is situated just outside Phoenix, Arizona and includes homes that will fit almost any budget, from the low $200K to the “Wow, now that’s impressive!” category; there’s a house to suit every taste. Maybe you’re a newlywed couple looking to start your life together or perhaps a retiree who just needs an extra room for when the grand-kids come to visit, whatever the case, you’ll find the perfect place at Anthem. You’ll be able to enjoy living in your own home, and all within easy driving distance of downtown Phoenix, which is just a short hop away on I-17.

Children will have plenty to keep them busy with new schools that feature amazing sports complexes, great libraries and even full theaters at some locations.

And you won’t find better recreational opportunities anywhere. There’s a wonderful community park that features an open meeting area, duck ponds and waterfalls that will make you won’t to sit back and soak it all in.

You can take a tour of this little bit of heaven by hitching a ride with the model railroad that chuffs along inside the park.

If fitness is more to your liking, then you’ll find plenty of entertainment at Anthem, which already includes basketball courts, tennis courts and a sports complex that includes 2 swimming pools that have the other nearby communities green with envy.

Whatever your exercise preference, you’ll find the gym ready to go – you’ll find the latest in treadmills, weights, stationary bikes and much more. You can also hone your mountain climbing skills with the rock-climbing wall or work on your cardio with an aerobics class.

And of course, there are the two pools. There is a large pool for swimming and lounging, as well as a larger one which features amazing water slides and toys which easily compare to any water park in the U.S. Look out for the giant bucket that fills with water only to turn over and come splashing down on you. The pools offer a great time for people of all ages from kids to grandparents.

Anthem also has all your shopping needs covered, with such popular national chains as Wal-Mart, Home Depot and others now calling Anthem home. And it’s not just the “Big Box” stores that have moved in – Anthem boasts its own outlet mall, a bonus for all you die-hard shoppers out there. Enjoy a great meal at one of the fabulous upscale restaurants or make a quick pit stop at one of the fast-food chains.

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A capital crunch is essentially the same thing as a credit crunch. In a capital crunch, there is a shortage of capital available for investment, which limits the amount of money that can be loaned for new enterprises; this has especially been true in areas that were the hardest hit by the recent financial downturn. In a credit crunch, the lenders quit lending, and instead they hoard their capital, as they are afraid of loaning out too much money with the increasing bankruptcies, job losses, and mortgage defaults, as well as additional factors which boost the risks of an individual not being capable of repaying a loan .

Fewer dollars available for mortgages is the impact that this has on the real estate market. This means fewer houses will be sold, so there will be a surplus of houses on the market. Perhaps causing them to quit building totally, this oversupply of houses causes builders to become more cautious in building new houses. This was evident in areas of the nation where bankruptcies and foreclosures exacerbated an already saturated real estate market.

Foreclosures, bankruptcies, and job losses caused individuals to receive poor scores from their credit reports, and this caused even lower credit scores. The low credit ratings make it almost impossible for those people to get loans, especially loans with reasonable terms. At the same time, because of their fears of defaults on loans, banks tightened their standards for loaning money so fewer people qualified for loans.

That meant that prospective buyers who normally would have gotten loans didn’t get them. As fewer people were able to buy houses, there were even more surplus houses on the market that couldn’t be sold. The excessive number of houses for sale must be resolved for the market to rejuvenate, but several factors, not the least of which is inordinately restrictive mortgage lending policy, are creating a drag on the recovery.

Yet another factor affecting the real estate market is the correction in prices, where some areas have seen reductions of twenty-five percent and up. For some, the value of their home fell so dramatically that they found themselves owing more on the mortgage than the house was worth, which prompted them to quit making their mortgage payments and therefore fall into foreclosure proceedings rather than to remain in such a condition.

Any purchaser having difficulty getting financing is best advised to remain calm and not panic. They should continue doing everything they can to mend their credit, fix their credit reports, and improve their credit scores. As the financial crisis passes and loan restrictions ease, it will become easier to get a mortgage, and the day will come when they can purchase the house that they desire.

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