BILL AND CINDY FLOWERS TEAM ~ PREFERRED VENDOR LIST 
Appliances ~ Spencers Appliances ~ Dwayne Dixon ~ 602-312-4207 / 480-366-3900
Appliance Repair ~ Tip Top Appliance Shop ~ Mike Laucella ~ 480-907-4080
Appliance Repair ~ Goldwing Appliance Factory Service ~ 480-615-5700
Appraiser ~ Yost Appraisal Service ~ Kati Yost ~ 602-315-0104
Appraiser ~ Baroni & Associates ~ Tom Baroni ~ 602-448-5605
Attorney ~ Bankruptcy ~ Arboleda Brechner Law Firm ~ Steven Brechner ~ 602-953-2400
Attorney ~ Real Estate ~ Lassiter Law Firm ~ Sean St. Clair ~ 480-302-7206
Auto Mechanic ~ Mike Rogers ~ 480-313-2032
Banker ~ Towne Bank of Arizona ~ Cindy Sheppard ~ 480-751-7765
Cabinets ~ Creative Cabinet Makeovers ~ 480-272-0934
Cabinets ~ Designer Cabinet Refinishing ~ Tricia Calzado ~ 480-209-2997
Car Dealer ~ Arizona Cars Direct ~ Karl Gwinn ~ 480-703-2352
Carpet Cleaning ~ Metro Valley Chem Dry ~ Bob McDaniel ~ 480-232-8330
Carpet Installation ~ The Carpet Man ~ Dan Delgado ~ 480-491-2292
Charity ~ Gabriels Angels ~ Pets Helping Kids Pet Therapy ~ Pam Gaber ~ 480-460-5333
Chiropractor ~ Living Chiropractic ~ Dr. Maria Orozco ~ 480-325-6977
Cleaning ~ Dream Clean ~ Residential/Commercial ~ Shawn Osborne ~ 480-926-1592
Cleaning ~ Emmy McCormick ~ 480-671-4765
Computer Solutions & Integrations ~ Computer Repairs ~ Charlie Stoner ~ 602-316-5901
Countertops ~ Granite Transformations ~ Roy Anderson ~ 480-222-2022
Countertops ~ Ray Brothers Granite ~ Clint Ray ~ 480-833-7559 / 480-415-8805
Dentist ~ An Elegant Smile ~ Dr. Michelle Rock ~ 480-854-3434
Doctor ~ Desert View Family Medicine ~ Dr. Michael Wade, M.D. & D.O. ~ 480-324-0300
Doctor ~ Goodman & Partridge ~ OB/GYNs ~ 480-821-3600
Electrician ~ Tony Boyer ~ 480-694-6818
Financial Services ~ Ameriprise Financial Services ~ Craig Schrimpshire ~ 480-633-3835
Flooring/Carpet ~ Michael Rogers Flooring ~ Michael Rogers ~ 602-331-7039
Flooring & Tile ~ Ross Custom Flooring ~ Bill & Judy Ross ~ 480-892-1112
Florist ~ Karens Flowers ~ 480-926-9544
Garage Door Repair ~ Solo Garage Door Service ~ Claude Flournoy ~ 480-202-0211
Glass Repair ~ Cheaper Glass ~ 602-995-2102
Hair Stylist ~ Razzed Hair Designs ~ Karalee Allen ~ 480-830-9292
Home Inspections ~ Champs Home Inspections ~ Robert Jeglum ~ 480-650-8955
Home Inspections ~ Inspect Pros ~ Will Henstein ~ 480-250-2404
Home Repairs ~ A to Z Handyman ~ Mike Boyd ~ 602-885-3200
Home Repairs ~ Wayne Davis ~ Barnegat Property Services ~ 480-980-2482
Home Repairs ~ Southwest Home Tenders ~ Bill Markou ~ 480-250-7572
Home Warranty ~ Old Republic Home Protection ~ Yvette Myer ~ 800-282-7131
Insurance ~ Country Companies ~ Danny Fuentes ~ 480-649-9699
Insurance ~ Farmers Insurance ~ Mark Henry ~ 480-507-8900
Insurance ~ Allstate Insurance ~ Chris DAmato ~ 480-840-3333
Insurance ~ Commercial/Business ~ Ted Riggs ~ 480-560-3404
Jeweler ~ Forever Diamonds Jewelers ~ Rusty Kelly ~ 480-926-0160
Landscaping ~ Perez Landscape & Tree Trimming ~ Delfino Perez ~ 602-579-6963
Landscaping ~ PQ Landscaping ~ Parm Quintana ~ 480-734-9926
Locksmith ~ Acme Locksmith ~ 480-380-2263
Misc. ~ Arizona Perma Glaze ~ Don Wilson ~ 480-833-0055
Misc. ~ Silverline Specialties ~ Wholesale Blinds & Window Treatments ~ Marsha Shaul ~ 480-585-5465
Misc. ~ Send Out Cards ~ Valerie Cregg ~ 480-223-3133
Misc. ~ Feng Shui ~ Luckie Bosselman ~ 602-996-6934
Misc. ~ Professional Organizer ~ Sue Shipman ~ 480-633-7292
Mortgage ~ Countrywide Home Loans ~ Sherry Olsen ~ 480-813-1777
Mortgage ~ The Lending Lady ~ LeAnn Scrimpshire ~ 602-793-6963
Mortgage ~ Metro Grand Mortgage ~ Brett Collin ~ 480-776-3111
Moving Co. ~ Horizon Moving Systems ~ Pete Lewis ~ 480-695-4640
Moving Co. ~ Two Men & a Truck ~ Dave Kitts ~ 480-804-0900
Office Furniture ~ Walsh Brothers ~ New & Used ~ Brad Lay ~ 480-833-0147
Painting ~ Gilberts Painting ~ Painting & Garage Epoxy Flooring ~ Travis Gilbert ~ 480-495-1675
Painting ~ Adam McGavin ~ 602-295-3231
Personal Trainer/Wellness Coach ~ Aspire Wellness Solutions ~ Angel Fulmer ~ 480-282-3264
Personal Training/Martial Arts ~ GAP Training ~ Gabriel Pardo ~ 602-423-9625
Pest Control ~ Phx. Pest Control & Termite Inspection ~ Jean Worth ~ 602-399-5344
Pet Rescue ~ Lost Our Home Pet Foundation ~ 602-230-HELP (4357)
Pet Sitting Service ~ Lovable Pets ~ Sabine ~ 480-266-9731
Photographer ~ Dream Maker Images ~ Shelly Fields ~ 480-707-2394
Plumbing ~ Reeds Plumbing ~ Katie Brooks ~ 480-830-4271
Plumbing ~ Benjamin Franklin Plumbing ~ Lisa Stanfield ~ 480-812-1855
Pool Fences ~ The Fence Guy ~ Jeff Pedersen ~ 480-226-1698
Pool Service & Repair ~ Blue Ribbon Pool Service ~ Jeff Marquis ~ 480-540-POOL(7665)
Pool Resurfacing ~ Backyard Transformations, Inc. ~ 480-804-9688
Roofing ~ Gryphon Roofing ~ 480-994-5500
Staging/Decorating/Home Makeovers ~ Arrange For a Change ~ Cal Nelson ~ 602-526-5065
Staging/Decorating ~ Exit Stage Right ~ Nan ~ 602-717-0472
Taxes/CPA ~ Strategic Points Tax Solutions ~ Linda Dickerman ~ 480-718-5563
Taxes/CPA ~ Barbara Kehl ~ 480-545-4790
Windows ~ Looking Good Window Cleaning ~Nick Schossow ~ 602-300-4156
Windows ~ Amazing View Window Cleaning Cynthia Hernandez ~ 602-384-4668
PLEASE MENTION YOU WERE REFERRED BY THE BILL & CINDY FLOWERS TEAM 
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Interest Rates >Locking in Loan Rates It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.
While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.
The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.
Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.
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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
 See More Real Estate Trivia > |
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NUMBER1EXPERT®
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All rights reserved. All information deemed reliable but not guaranteed.
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- NUMBER1EXPERT™ 
