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Here at Air-Zona Air Conditioning, Heating & Ventilation LLC, we pride ourselves on quality and customer service. We have over 50 years of combined experience here in the valley of the sun, which means we know what it takes to heat and cool a home in Phoenix.

Our company is licensed, bonded, and Insured for both residential and commercial projects, and are current members of the Better Business Bureau, Electric League of Arizona, and the Arizona Heat Pump Council. We have a spotless record with the Registrar of Contractors and the BBB.

Our customers have always come back to us because of our expertise, honesty, and fair pricing. We are always looking to expand our customer base, but not at the expense of our high-quality customer service. We still believe good customers are made one handshake at a time.

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Rotchford & Associates is a fully independent 4^th generation family office helping individuals and families all across the valley in making smart financial decisions. Our offices believes in putting together comprehensive plans for clients, not just selling products. Anthony and J.R. also host a radio show, Another Money Show, that can be heard wherever you listen to podcasts or live Saturdays at noon on 960thePatriot.

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Prestige Floor and Carpet Care will clean, polish seal natural stone floors and counter’s.  Also, we clean ceramic and porcelain tile along with grout cleaning, and commercial VCT stripping and waxing.  We also do carpet cleaning and have 30 years in the trade.

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First Step Home Inspectors is a residential home inspection company that services all of Phoenix and its surrounding communities. We use state of the art inspection software to offer add on services such termite inspections, thermal imaging and sewer scope drain line inspections.  Inspections are available on short notice and we deliver reports on the same day by email. We take pride in our honest and detailed home inspection reporting and understand their importance as a part of your home purchase process. We present results to our clients and their Realtors in a comfortable and informative setting onsite and electronically. We always answer questions and concerns right away. We look forward to hearing from you soon!

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What is Title Insurance?

A title insurance policy protects your legal rights over the property, occupancy, use, control and disposition of the property.

Why is it different to transfer title to property than it is to transfer different kinds of items such as a car?

The transfer of property can be complicated due to the fact that land is permanent but its use and the rights to use it can change over the years.

What is a title search?

Before issuing a policy, the title insurance company will perform an extensive search of relevant public and historic records related to the property. The search may be performed by title company personnel using either public records or, more likely, information gathered, reorganized and indexed in the company’s title “plant.”

Who needs title insurance?

The seller, buyer and lender all benefit from the insurance provided by title companies. Buyers and lenders in real estate transactions need title insurance. Both want to know that the property they are involved with is insured against certain title defects. Title companies provide this needed insurance coverage subject to the terms of the policy.

What does title insurance insure?

Title insurance offers protection against claims resulting from various defects (as set out in the policy) which may exist in the title to a specific parcel of real property, effective on the issue date of the policy. For example, a person might claim to have a deed or lease giving them ownership or the right to possess your property. Another person could claim to hold an easement giving them a right of access across your land. Yet another person may claim that they have a lien on your property securing the repayment of a debt. That property may be an empty lot or it may hold a 50-story office tower. Title companies work with all types of real property.

How much does title insurance cost?

Title insurance rates vary based on the liability amount of coverage. A one-time premium is paid at the close of a transaction. There are no monthly payments, as there are with other types of insurance.

What types of policies are available, and how long does coverage last?

Title companies routinely issue two types of policies: An “owner’s” policy which insures you, the homebuyer, for as long as you and your heirs own the home: and a “lender’s” policy which insures the priority of the lender’s security interest over the claims that others may have in the property.

What protection am I obtaining with my title policy?

A title insurance policy contains provisions for the payment of the legal fees in defense of a claim against your property which is covered under your policy. It also contains provisions for indemnification against losses which result from a covered claim.

What are the chances of ever using my title policy?

In essence, by acquiring your policy, you derive the important knowledge that recorded matters have been searched and examined so that title insurance covering your property can be issued. Because we are risk eliminators, the probability of a claim is very low. However, claims against your property may not be valid, making the continuous protection of the policy all the more important. ‘When a title company provides a legal defense against claims covered by your title insurance policy, the savings to you for that legal defense alone will greatly exceed the one-time premium.

What if I am buying property from someone I know?

You may not know the owner as well as you think you do. People undergo changes in their personal lives that may affect title to their property. People get divorced, change their wills, engage in transactions that limit the use of the property, and have liens and judgments placed against them personally for various reasons. There may also be matters affecting the property that are not obvious or known, even by the existing owner, which a title search and examination seeks to uncover as part of the process leading up to the issuance of the title insurance policy. Just as you wouldn’t make an investment based on a phone call, you shouldn’t buy real property without assurances as to your title. Title insurance provides these assurances.

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Touching Hearts at Home provides in-home care to support your quality of life. We achieve this by providing dependable, nurturing, and strategic care to the individuals and families we serve.

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A passion for helping Seniors, and those who care for them, was born out of love and the experience of our President and Founder Malea Madrid. Thru first-hand experience Malea witnessed the hardship her grandparents faced as they aged and the difficulty in handling everything including billing disputes and tax issues.

We offer daily money management, administrative, and tax services tailored to fit the needs of seniors and those who care for them.

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Linda Olson is the Owner of Radiant Consulting Senior Placement Services.  Linda as over 24 years experience in the senior industry and she is a Certified Dementia Practitioner.  She offers senior placement services with no cost to families and conducts individual assessments to determine level of care.  Linda can recommend the right community including independent living, assisted living and memory care and will take families on tours of the communities.

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Meet Brenda Smith and Steve Johnson from AMG  – AZ Mortgage Group

Brenda and Steve are a husband-and-wife mortgage broker duo with a combined 50+ years’ experience. As a Mortgage Broker they work with multiple Investors to meet any borrower’s needs. Their pre-quals are solid gold and pre-underwritten to insure an accepted offer. They offer Quick closings and competitive rates. Most of all they take pride in providing an honest transparent process.

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Benefits of a Home Warranty

What’s in it for you?

• An important component of your risk management strategy
• Decreases the chance of after-sale disputes
• Helps keep your commission in your pocket
• Gives your listings a competitive advantage
• Peace of mind for everyone involved in the transaction
• Complimentary, innovative, and effective marketing tools
• Easy online ordering and user-friendly application
• Responsive, personal service from me, your local Account Executive
• More referrals from happy clients

What’s in it for your clients?

• Extensive home warranty coverage choices
• Versatile optional coverage choices to fit their needs
• Dedicated, caring customer service
• Budget protection from the high cost of home system/appliance repair or replacement

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We are a local independent insurance agency. We work with a variety of insurance companies that offer different coverage options and pricing structures. We can truly find and customize an insurance program to fit your unique needs at a competitive price.