Dear Friends,

Welcome back, snowbirds! As we welcome our wonderful winter visitors back to the area, we’re diving into the year's final quarter. This is a critical time for real estate, where serious buyers are ready to act and sellers can capitalize on focused interest. This month's local business spotlight is on the excellent team at Schiller Law Firm. Plus, get a clear picture of how the market is shaping up with the official September 2025 housing report from the Tucson Association of Realtors below.

Active Listings - 4,911
New Listings - 1,869
Closed Sales - 1,084
Months Supply of Inventory - 4.53
Average Days on Market Until Sale - 60
Median Sale Price - $356,750
Average Sale Price -$424,599
Average Listing Price for Single Family Homes - $607,551
Average Listing Price for Townhomes - $362,737
Average Listing Price for Condominiums - $256,889
Average % Over or Under the Asking Price -2.09%

Coming Soon in Oro Valley

Center Pointe in Rancho Vistoso
Next Generation home with 3,800 sqft, 5 bedrooms/3 baths, and two full kitchens! The gated community offers an Olympic-sized pool, splash pad, multiple playgrounds, barbecue areas, firepits, and a clubhouse that can be rented for private parties. Bike to the tennis courts and the neighborhood school within the master planned community of Rancho Vistoso. I am having the home professionally staged with luxury furniture. I will be the third listing agent for this home, and I believe staging will help me sell it.  We are discussing the listing price, which will be revealed in my next newsletter. 


For Sale in the Foothills

click here to view property website

6060 E. Avenida Arriba in Tucson 85750
Listing Price $1,225,000
5 Bedrooms/3 Baths/3-car garage
Pool & Spa
3,656 sqft, one-acre elevated lot, built in 2004
Gorgeous city and mountain views

Under contract in one day, but now back on the market, help me sell it again! A custom-built, 3,656 sqft residence, a true sanctuary set on a private, one-acre lot in the heart of the Catalina Foothills. Breathtaking Sonoran Desert landscape, unobstructed city lights, and all mountain ranges from every vantage point. This single-level home offers a floorplan with no interior steps. The home has four spacious bedrooms, three full baths, plus a versatile den that could serve as a fifth bedroom, providing ample space for family and guests. An extended balcony invites you to enjoy morning coffee or evening cocktails as you take in the panoramic city and mountain views. Don't miss the pool and spa with a new quartz finish and new pool equipment. 


For Sale in Sahuarita

click here to view property website

14973 S. Theodore Roosevelt Way in Sahuarita 85629
Listing Price $415,000
4 Bedrooms/2.5 Baths/Two-Story/2-car garage
Backyard Oasis with a Pool & Spa
2,274 sqft, built in 2002

The solar panels will be paid off at the close of escrow. Owned solar is a huge bonus to the buyer! Special features include new Energy Star-rated windows and doors, a new Rheem soft water system, fresh paint, high ceilings, a pool, and a spa in a private backyard with no neighbor directly behind you. Rancho Sahuarita is a master-planned community with parks, lakes, an extensive workout center, a splash pad, basketball and pickleball courts, and community activities. 

Under Contract in Oro Valley



1090 W. Eagle Landing Place in Oro Valley 85737
Listing price $510,000
5 Bedroom/3 Bath/2-car garage/Pool 
2,200 sqft, built in 1998
This desirable five-bedroom home in the Copper Creek neighborhood has a split bedroom plan with three full baths, an updated kitchen with a Great Room concept, a unique built-in aquarium, and a large picture window overlooking the pool and flagstone patio. My clients are thrilled to make Oro Valley their new home! 


Should You Refinance? When It Makes (and Doesn’t Make) Sense

Refinancing your mortgage can sound like a savvy move – especially when interest rates are shifting or your financial situation has changed. But is it always the right choice?
Let’s discuss the ins and outs of refinancing and help you determine when it’s a smart financial strategy and when it might not be worth it.



What Does “Refinancing” Really Mean?
In simple terms, refinancing is when you replace your current mortgage with a new one – usually with a different interest rate, loan term, or loan type. The goal is often to save money, lower monthly payments, or tap into your home’s equity.
But it’s not free. There are closing costs and time involved, so it’s important to weigh the benefits against the costs.

When Refinancing Does Make Sense

1. Interest Rates Have Dropped Significantly
   If today’s mortgage rates are at least 1% lower than what you're currently paying, refinancing could reduce your monthly payments and long-term interest costs.
2. You Want to Shorten Your Loan Term
   Switching from a 30-year loan to a 15-year loan can save tens of thousands in interest over time – especially if you can handle slightly higher payments.
3. You Have an Adjustable-Rate Mortgage (ARM)
   If your ARM is about to reset and you're worried about rising payments, refinancing to a fixed-rate loan can offer more stability.
4. You Want to Tap Into Home Equity
   A “cash-out refinance” lets you borrow against your home’s equity for big expenses – like renovations, education, or consolidating high-interest debt. Just make sure you're comfortable with the new loan terms.
5. Your Credit Score Has Improved
   If your financial profile has strengthened since you took out your original mortgage, you may qualify for better terms now.

1. You're Planning to Move Soon
   Refinancing has upfront costs – typically 2-5% of your loan amount. If you’re not staying in your home long enough to reach the “break-even point,” you might not recoup those expenses.
2. You’re Stretching to Afford Lower Payments
   Be cautious about extending your loan term just to lower monthly payments. You might save in the short term but pay much more in interest over time.
3. You’re Using It for Discretionary Spending
   Refinancing to fund vacations or non-essential purchases can lead to long-term regret. Your home is an asset – protect it!

• Compare your current interest rate to available rates
• Know your home’s current value and how much equity you’ve built
• Calculate your potential monthly savings vs. closing costs
• Consider your long-term plans: Are you staying put?
• Speak with a mortgage professional to get specific numbers for your situation

My friends and clients are personal injury attorneys. The husband-and-wife team, Schiller Law, has over 75 five-star Google reviews. I've referred them to family and friends, and I used them to handle a car accident I was recently in. They looked out for my best interest and always answered the phone.  Jennifer and Bryan are a great team!