now, we're gonna have more hoa tips coming up in the massi memo.l has a great due diligence checklist on her website, hoasavers.com. up next, come with me, the property man, to see a beautiful estate in paradise valley in scottsdale, arizona. [ woman vocalizing ] are allergies holding you back? break through your allergies. try new flonase sensimist allergy relief instead of allergy pills. it's more complete allergy relief in a gentle mist experience you'll barely feel. using unique mistpro technology, new flonase sensimist delivers a gentle mist to help block six key inflammatory substances that cause your symptoms. most allergy pills only block one. and six is greater than one. new flonase sensimist changes everything. looking from a fresh perspective can make all the difference. it can provide what we call an unlock: a realization that often reveals a better path forward. at wells fargo, it's our expertise in finding this kind of insight that has lead us to become one of the largest investment and wealth management firms in the country. discover

and it's time for the massi memo.minute to answer some of the many questions i get from viewers. now, due to the volume of mail we receive, i can't answer every letter or e-mail individually. but i do try to read them all. so jim and lori write... look, you're in a tough spot. why? because the lender is going to be loyal to their appraiser. and they're always conservative. and appraisers today are paranoid about not doing exactly the value they believe is true. as a matter of fact, many times now when an appraisal takes place, you're not even allowed to be in the home. you can't even talk to the appraiser. but here's what you can do. first of all, go hire an appraiser. have them critique the particular appraiser and his work. point out the deficiencies. give that information to the bank to see if, in fact, you could prove that the values that were given were inappropriate, that they should've done the comps in the area. that's very important. number two, there are divisions with the state where you could file a compla

at the end of the show, i'll give you critical tips you need to know in the massi memo because information is power. and the "property man" has got you covered. [ woman vocalizing ] welcome back. i'm bob massi, the property man. every day in america, nearly 11,000 people turn 65. think about that. 11,000 every day. people are also living longer and staying healthier and therefore spending more time in retirement. so it's becoming more and more critical to think about retirement, including where and how you're going to live. kay and her husband lived in new york, but knew that eventually they wanted to retire in a warmer climate. so they turned to scottsdale, arizona, and realtor warren neal. >> this is one of the beauties about living in scottsdale, kay. >> now he specializes in finding homes for his clients to enjoy in retirement. when warren showed them this property, they knew the house wasn't perfect, but fell in love with the location. >> one of the things unique to this property is that it has both the golf course, the mountains, and a city view. >> was view important to you and your

see you around, giulia >> time now for the massi memo. how to sell or get rid of your time-share without getting ripped off. the truth is it's just not easy. there are lots of scammers out there hoping to trick you into paying them upfront fees to basically do nothing at all but rip you off. never pay an upfront fee to anyone. and don't talk to anyone who contacts you about time-share resales. you should be contactingthem, not the other way around. and before you contact them, do some research on the person and company you're gonna contact. beware of time-share-listing services. these companies will charge you money to list your time-share for sale on their website. then what happens? nothing. it sits there and your money goes away. or worse, other companies will see the listing and call you pretending they have a buyer who wants it right away. you just have to pay some fees up front. run away right now. so how do you do it the right way? only deal with a licensed real-estate broker. you can check the website arello.com -- that is arello.

and it's time now for the massi memo. we swed you rmer gangster lefty senthas house. if you're buying an historic home or even just an old home, well, you need to look out for certain things. in some cases, you can get tax credits if you're restoring the property. and, of course, historic homes, well, by their very nature, they're old, and, therefore, they need repairs. so, do this for me. look for a qualified contractor and get multiple bids. make sure they've worked on aged or historic homes. get a detailed home inspection with a licensed and bonded inspector. these historic and old homes many times, they have safety issues such as lead paint, termite issues, asbestos, structural issues from mere wear and tear. ask for utility bills, guys, to get a history of the cost. it could be expensive. and usually these old homes, well, they're not insulated at all. also, i showed you that stunning $17 million mansion. go figure. buying and selling multimillion-dollar homes requires specific knowledge of the market. most sellers expect their broker to bring a qualified prospec

and now it's time for the massi memo. karen and dennis, fighting to save their home of 18 years. now, they have a few options, but the only thing i see really that's gonna work for them is a loan modification. they need to get the bank to understand their situation and that it's in their best interests to keep them in the home and do something with their mortgage so they could afford the payment. so, i'm gonna help them with that, and in a few weeks, we're gonna update you as to how it worked out. we also looked at westgate time-shares and their beautiful, new property in las vegas. you know, there are different types of time-shares, and before you buy one, you have to decide which one's right for you. so, let's look at them. the right to use -- buyers can lease the property for a specific time each year. if you have points, buyers can consider staying at various locations. you redeem your points after they've been accumulated. also, what we call floating -- the buyer reserves their own time during a specific time of the