Welcome or Register

Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

Welcome

agent photo

 Welcome to the premier resource for all real estate information and services in Heber/Overgaard. When you are looking for Real Estate, West USA is the company to call. West USA Realty is ranked 13th most productive company in the Nation and holds the distinction of most sales per office! There are many cross-sales that occur as a result of the in-house networking within our company which is key when considering West USA Realty.

 I hope you enjoy your visit and explore everything my realty website has to offer, including Overgaard real estate listings, information for homebuyers and sellers, and more About Us, your professional Heber/Overgaard Realtor.

 Retired after 30 years in the United States Marine Corps and I love being in Real Estate! With skill and care I match Buyer and Seller. My business is people, service and Real Estate is my product, communication and information are my tools.

 Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

 If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home.

Real Estate News!!!

Latest Realty News from NAR

Can an EU Rule Impact Your Real Estate Business? It Might

What authority does the European Union have over your real estate business? That’s a tricky question, but an E.U. rule that takes effect next month could end up affecting your business in some manner. That’s because any European that comes to your web site to browse listings will be covered by what’s called the GDPR. That stands for General Data Protection Regulation and it won’t let your web site drop a cookie on a European’s computer unless you get affirmative consent. That means a box that says something like, “We use cookies. OK if we put one on your computer?,” has to pop up when someone from the European Economic Area comes to your web site. What’s more, if you process data on a European you have to be ready to delete that data if you’re requested to. That means you have to have a way to identify  that data so you can take the action requested.

As you can imagine, how the EU would enforce this is a big, unanswered question. There will probably be litigation, too. So, it’s possible it will be a while before anything actually happens that affects U.S. businesses. But there are other things to keep in mind. First, the United States might align its rules with the E.U. Second, regardless of that, many U.S. businesses might align their online privacy and security  practices with the E.U. model, regardless of enforcement. That means you’ll probably see more U.S. companies asking for affirmative consent when anyone comes to their web sites. Third, there could be alignment with European rules on data processing, too.

This is all speculation. The rule is real but it’s actual impact here can’t be fully known yet. But you can see where things are heading and it’s not a bad idea to take steps to be prepared for however things shake out.

NAR will be hosting a Facebook Live webcast next week, on Tuesday, April 24, at 1 p.m., Central time (2 p.m., Eastern time) to walk you through what’s happening and what you might do to be ready. The presenters will be Finley Maxson, NAR senior counsel, and Liz Sturrock, NAR vice president of information technology. They’ll be talking with Meg White, managing editor of REALTOR® Magazine.

You’re encouraged to ask questions. Here’s more information on the event: EU Privacy Rule: Are You Impacted?

How Suburbanization Impacts Rural Home Loans

Federally backed home loans from the Rural Housing Service have been called one of the the government’s best kept secrets because buyers can get safe, affordable mortgage financing in areas where few other loan options are available. The underwriting requirements are considered both strong and reasonable, and, maybe most important, homes that wouldn’t be eligible for loans by conventional lenders are often eligible under the federal program. That’s because RHS recognizes that in rural areas, houses are not always built to meet the needs of suburban or urban buyers. The agency’s old name—Farmers Home Administration (FmHA)—says a lot about where the agency is coming from.

That’s why it’s significant that the U.S. Department of Agriculture, which oversees RHS, undertook a reassessment of what constitutes a rural area. That assessment was just completed and in about two months—June 4—a new map of rural areas takes affect. When it does, some areas that used to be considered rural are no longer considered that. One example is Ashburn, Va. Like so many areas in Northern Virginia, it’s being swallowed up by the D.C. metropolitan area. It’s now another suburb.

That means households who might struggle to get financing to buy a home can no longer count on direct or guaranteed loans from RHS. They’ll have to find conventional financing or maybe try FHA.

The good news for buyers in many of these new suburbs is their choice in lenders has probably increased along with the area’s population. In other words, maybe RHS is less needed now, because conventional lenders have moved in to take advantage of the area’s growth. But every area is different. There are probably a number of areas where the choice in lenders hasn’t kept up with growth, so the RHS loans will be missed.

In any case, it makes sense to learn if your area has been affected. The latest Voice for Real Estate news video from NAR talks about this and walks you through how you can see the status of your area.

The video also looks at some things FEMA is doing to encourage growth in private flood insurance options. Thanks in large part to a new consumer advocate in the Federal Emergency Management Agency, the agency said it will allow homeowners to drop their federal coverage and get private coverage instead without incurring any penalty. Prior to this change, you couldn’t do that. You had to keep your federal coverage even if you found cheaper or better private coverage. That consumer advocate, by the way, is there in large part thanks to NAR, which made sure it was part of flood insurance reform legislation that passed a few years ago. We’re now seeing the benefits of that.

In another change, insurance companies that offer the federal coverage can now also offer a private alternative. Again, that wasn’t allowed before. There are a few more improvements like that. The video walks you through them.

Also in the video is an update on competition in the real estate industry. You might recall that it was 10 years ago that NAR and the U.S. Department of Justice entered into an agreement to make sure virtual office websites (VOWs) are treated the same as brick and mortar brokerages in obtaining MLS data to share with people. That agreement expires later this year and the first of two workshops was held in Washington looking at the state of competition today. NAR Associate General Counsel Ralph Holmen (retired) participated in that workshop and made the point that the VOW business model wasn’t a big part of the market 10 years ago and is even smaller today, in part because it involves creating a client relationship with people who want to look at listings on your site. For many brokerages, it’s easier just to offer up listings without having to set up that client relationship first. NAR has said it doesn’t plan to change its VOW policy when that DOJ agreement expires.

The video also excerpts from the NAR Broker Summit that was held in Nashville earlier this month and also introduces a monthly video series NAR is launching for the year, Fair Housing Focus. The video is part of NAR’s recognition of the 50-year anniversary of the Fair Housing Act.

Access and share video.

 

 

 

Infrastructure Improvement Means Real Estate Activity

When the Trump administration released its $1.5 trillion infrastructure plan last month, it set in motion a multi-year process that could eventually lead to considerable investment in communities. Of course, Congress must pass legislation to make much of it happen. Although there are some parts that the administration can do on its own, a lot of the plan will require both authorizing and funding legislation, so how close we get to that $1.5 trillion goal is dependent on what lawmakers can agree on in the next year or two.

Regardless, with the country’s roads, bridges, waterways, dams, and other public projects aging, some projects will be getting funds in the years ahead whether or not the plan is all or partly enacted. The question for you is, how will you get involved? Will you get involved upfront, when projects are in the planning stages, or will you get involved after projects get going? Often, bridge replacement means land transactions, because it’s not unusual for a replacement bridge to be built alongside the existing bridge. That means government might have to acquire or condemn nearby property. Or if a road is widened—will that involve acquisition or condemnation of land?

Property values tend to go up after infrastructure improvements are made. In northern Virginia, expansion of the metropolitan subway system had a tremendous impact on property values along the new tracks. Huge condo, apartment, retail, office, and mixed-use projects followed. It triggered a real estate boom.

The administration’s infrastructure plan is featured in the latest Voice for Real Estate news video from NAR. Access that segment now.

The video also looks at why NAR supports the banking reform bill that passed the Senate a couple of weeks ago, why passage of long-term reform of federal flood insurance is just as much about improving communities as it is about continuation of insurance policies, and why Congress needs to make mortgage debt forgiveness relief a permanent part of the tax code. Cyber crime and association health plans are covered, too.

Access and share video.

View All

Quick Search


view all


Any

Any

No Min.

No Max.
Ernest Matkin
Branch Manager
West USA Realty
1824 Highway 260
Heber, AZ. 85928
Phone: 928-240-4776
Email: ernestmatkin@ymail.com

Testimonials Page

Ernest did an amazing job listing and selling my cabin in 1 day. He kept me informed along the process and helped me address the 2 inspection issues. His knowledge of the market, his responsiveness to my questions and communication of the process exceeded my expectations.
Ernest is honest,, forthright, patient, attentive, flexible, knowledgeable, a client advocate, and on top of all the details from beginning to end of the real estate transaction, and the BEST REALTOR we have ever worked with. Ernest kept the complicated buying process on track. We are very appreciative of his expertise. We would recommend him highly.-- buying or selling!!
My husband and I have purchased several homes, over the past 30 years. Ernest Matkin, is by far, the best Realtor we have ever had. (and we have had some great ones) He truly cares, and is very efficient. Since we are a couple hours away, from the property we purchased; he stepped in for the walk through, home inspection, carpet cleaners, and the list goes on and on. I highly recommend Ernest!!
We first met Ernest upon recommendation of my brother and his wife. Ernest was actually representing the sellers when they bought a property. He made such an impression during their purchase that they referred him to us when we needed a realtor. In the beginning, he showed us several properties that we were interested in and never pushed or swayed us to buy. It took us a couple months to find a cabin that worked for us and Ernest was extremely patient. We told Ernest it had been 30 years since we had made a real estate purchase and would be counting on him to assist us thru each step (AND HE DID). We live 300+ miles away in New Mexico and Ernest was always there for the appraiser, inspector, and anyone else that needed access. He was always quick to point out any problems that he thought need to be addressed. Looking back on the process from beginning to end Ernest was always on top of everything. We never had to ask for information because it was usually provided to us prior to needing it. Ernest even scheduled a couple contractors to come over and fix some small issues that needed attention before we moved in. We would highly recommend him to anyone needing a realtor.
We recently purchased a vacation in Heber, AZ. Ernest Matkin was our realtor and provided excellent service. From the initial purchase offer to the closing, he was there to walk us through the buying process. He was there for the inspections, appraisal, and necessary repairs and final inspection at closing. We would highly recommend him to anyone wishing to purchase or sell a home.
View All