Tucson By Choice!

Impossible? Your Perspective May Need to Change!

 "I'm too old for this !$%#%!"  Complaining loudly to no one in particular, a hiker came into view 50 or 60 feet below me.

"How old are you?" I called.  George (79) and I (55) were coming down from the summit of Picacho Peak, the site of the western-most battle of the Civil War.  We were walking.  The only mountain climbing gear we had were walking sticks made from the stalks of an agave.

The photo to the left is deceiving.  You'll get a sense of the height  and size of the mountain when I tell you that those tiny vertical green lines are saguaro cactus the size of telephone poles.

From the perspective of this photo, not one person in a hundred would think of trying to get to the summit with two legs and a walking stick.  George has stood on the very top of that rock outcropping at least 17 times.  (His legs are better than his memory, so it may be more than 17 times.  He can't remember.)

The swearing hiker looked up, startled, when he heard my question.  "47," he yelled.  He stopped swearing.  "Well, I'm 55, and my friend is 79.  We're coming down from the summit."  By this time, we were all close enough to stop yelling.  "I should have worn better shoes, I think," said the hiker, looking at our boots.  "No, you're fine" said George, "there's a six year old on the summit, and he's wearing sneakers."

The first picture is taken from the south, looking north.  From that perspective, a hike to the top is impossible.  That's how a lot of my colleagues are looking at their businesses right now. 

The photo on the left doesn't tell the whole story either.  And that's the point of my post.  No single perspective gives us all we need to know in life in order to succeed.  We have to look at things from all angles.

This perspective--the one on the left--beckons the hiker to switch back across the more gentle easterly slope to reach the saddle on the right of the photo.  It looks possible, and so it is.

Only from the perspective of the saddle, once it's reached, can you see that the westerly slope provides a relatively easy stairway to the top, which is flat and broad, narrowing to a point at the southerly-most tip.

Now look at the first picture again.  It's not so intimidating any more, is it?  Not when someone who's been there tells you how it's done.  I appreciate all the bloggers who take the time to "tell me how it's done!"  What great people you are! 

Now I have to go read your Real Estate blogs.  If you're reading this on Localism, shoot me an email!

I'm Mike in Tucson, your preferred Tucson, AZ mortgage lender.
Mike Jones (Tucson Mortgage Company, LLC): Loan Officer in Tucson, Pima County, Arizona

29 commentsMike Jones • August 26 2007 01:15AM

I'm a Googling Law Breaker!

 I waited in line patiently for more than 20 minutes.  My turn came, my name was called, and I approached the counter with all the confidence of a sinner at the pearly gates.

Four weeks earlier, Elouisa (not her name) and her REALTOR®,  agonized over the offer of $150,000 for a manufactured home listed at $165,000.  Moving out of a small condo into a home with more than an acre of horse property was a dream she hoped would come true.  She signed the offer.  A day later, she was in escrow.

Things went downhill.  The appraisal came in at $130,000.  An inspection showed that the seller had stripped out a swamp cooler. (google it.)  No deed of affixture existed. Without it, we had a nice piece of unimproved land and an oversized piece of personal property governed by the division of motor vehicles.

The REALTOR®,  was fantastic as a dual agent.  He kept everyone sane, and the sellers agreed to take the $130,000.  The sellers replaced the swamp cooler.  We applied to the county assessor for a deed of affixture.

The underwriter re-examined the appraisal, and conditioned us to provide her with copies of the original permits to erect the horse shed (400 s.f. of poles and aluminum roof to shade the horses from the Arizona sun.)

No permits existed.  The U/W said to get permits.  The REALTOR®,  tried, and emailed me saying that his research showed that no permit was required by local code, but that the building department would not give him anything in writing.  Can't be, I thought.

So here I was, a week after this should have been put to bed, standing at the counter, hat in hand, so to speak.  I used to be a builder.  I've built 350 homes.  I know building codes.  "We don't have a local building code any longer," said the clerk.  "We subscribe to IRC." 

I explained my situation, and asked if I could just photocopy the appropiate page out of the IRC-2006 to send to the underwriter.  "Can't do that," he said.  I wondered aloud why not.  "It's a book. It's copyrighted.  Can't copy stuff that's copyrighted.  But if you look right here, you can see what we require."  I mentioned that the U/W couldn't see it, and wasn't likely to believe me if I wrote a letter explaining that the county had a rule, but they didn't want people to actually have the printed page."

"You could always go to the library."  People behind me were getting antsy.  "So they'll let me photocopy it?"  "Probably not," was the reply, "it's copyrighted, you know."

I decided then and there to become a lawbreaker.  "Where can I buy the book?"  "Oh, you don't want to do that," he exclaimed.  "It'll cost you a hundert and five dollars."  (He had no idea how badly I wanted to do just that.) 

God bless the internet.  Within the hour I had located, purchased and downloaded a pdf version, and was printing away--copyright laws be damned!

Please don't turn me in.  Docs went out today, and we'll sign on Monday.  Have a great weekend.  Illegitimi non carborundum.  (It's a Fight song!  google it.)

I'm Mike in Tucson, your preferred Tucson, AZ mortgage lender.
Mike Jones (Tucson Mortgage Company, LLC): Loan Officer in Tucson, Pima County, Arizona

20 commentsMike Jones • August 24 2007 11:10PM