July 19, 2018

Homes for sale in Phoenix

Home for sale in Phoenix

Phoenix is one of the fastest growing cities in the U.S. and the fifth most populated city in the country. This is where the Sonoran Desert meets the big city. We have real cowboys, Red rock Buttes, true Saguaro Cactus and sunsets that can’t be beat. Homes for sale in Phoenix range from every shape, size and style you can imagine, from one-bedroom bungalows to ranches that reach farther than the eye.

Planning a move to the Valley of the Sun? You will not be disappointed by the quality and comfort of the homes for sale in Phoenix. We have a little something for everybody. Golf fan? We have over 300 courses for your enjoyment. If you like hiking, you will not find a better place to do it. We are also the home of the Cactus League where 15 pro baseball teams gather to practice every spring.

Whether you are looking for homes for sale in Phoenix near the metro area or out in the more spacious and rural areas with incredible mountain views, we have it available. Homes for sale in Phoenix range from the low 200’s up into the millions and everything in between.

Homes for sale in Phoenix a proven investment

Houses for sale in Phoenix have increased in value at 9.5% over the last 12 months. That is much higher than the national average and is terrific news for anyone owning a home in the valley and has proven to be a smart investment.

Start the search for your dream home in Arizona today. Rob Chapman is your Real Estate Professional that can guide you through the process of buying your next home.

By working with Robert Chapman, you'll be able to search all of the homes and land currently on the market in Avondale, Buckeye, Goodyear, Phoenix and all surrounding areas.  You'll be able to search and receive the newest listings as they hit the market by saving your desired search criteria.  In addition, you'll be able to save your favorite properties to refer back to them later.

June 29, 2018

Verrado AZ Home Search

verrado az home search

Homes for sale in Verrado are some of the most sought after homes in the West Valley. Anyone who has ever looked into living here already know the many, many benefits of being part of the Very Verrado crowd. Homes for sale in Verrado can range between the low 200’s up into the millions and everything in between. The fantastic news about buying a home in Verrado is that regardless if you purchase a home for $200,000 or $2,000,000 you still receive all of the same benefits and luxuries that Verrado has to offer.

With The Fourth of July right around the corner, Verrado has something special planned for its residents called the Spirit of Independence. If you are looking for homes for sale in Verrado, the festivities are the perfect time to come out and see what the town is all about and do a little home shopping at the same time. You can spend the morning watching the parade and enjoying the festival, take a break to peruse a few homes and be done in time for the fireworks.

There is so much more to offer than just the homes for sale in Verrado. There are also 72 parks and over 20,000 trees. This means that each residential home for sale in Verrado is within walking distance of a park and the tree lined streets will make it a comfortable way to get there.

If you are looking for a little more excitement, Verrado also offers a waterpark for residents only as well as a full gym with a swimming pool and full sized lap pool. Verrado also is home to two 18 hole Tom Lehman golf courses.

The proper way to start this tour is to stop at Verrados very own coffee shop. This is the hub of the town. On the outside it is flanked with two dog parks and on the inside is the visitors center that will give you all of the information you need to know about the luxury of living in Verrado complete with a miniature diorama of the entire town. You will also find information on all of the home builders available and pricing, which considering what you get by living here, is the deal of a lifetime.

If you would like to hear more or schedule a private tour, let me know. Just give me a call at 623-999-8646 or send me an email at rob@robsarizonarealestate.com. I would be more than happy to meet you for that cup of coffee and show you everything there is to see.

Posted in Verrado
April 13, 2018

Why Buy Verrado Home?

Ah Verrado…With its 72 parks, tens of thousands of trees and miles upon miles of hiking trails it’s a destination not just a neighborhood. Did you know that the weather, on average, is 20 degrees cooler in Verrado than anywhere else in the valley? Well, that part may not be true but on summer days you can easily cool off at the public pool or the neighborhood water park, which has a beach entry style pool, a kiddie pool and splash pad. If that isn’t enough it also has a party pavilion at your disposal as well as several relaxing and and private lounge areas complete with BBQ grills. Remember that vacation you took and the luxuries at your hotel made you want to stay forever? This is the kind of thing I am talking about. This is the most coveted neighborhood in the West valley.

You're already looking for your car keys and heading for the door to visit, but wait, there’s more! I’ve only told you about the amenities that you will notice upon arrival. Other than the tree lined streets and friendly faces that greet you when you arrive, there are several restaurants that range from casual drinks and appetizers on the patio with friends to fine dining with incredible mountain views.

The proper way to start this tour is to stop at Verrados very own coffee shop. This is the hub of the town. On the outside it is flanked with two dog parks and on the inside is the visitors center that will give you all of the information you need to know about the luxury of living in Verrado complete with a miniature diorama of the entire town. You will also find information on all of the home builders available and pricing, which considering what you get by living here, is the deal of a lifetime.

For those of you who love golf and there are a lot of you out there, we have two 18 hole courses designed by the one and only Tom Lehman. One course is in Verrado and the other is in the upper end of Verrado, appropriately named Victory which is the 55+ end of paradise. There you will find one of two clubhouses a spa and The Vic restaurant which houses its own garden for the freshest dining imaginable. Verrado also has its own vineyard which should be ready for consumption in the next couple years.

The Verrado Community Activities

As if that isn’t enough, there is also many  community building activities to be had. From movies in the park, to live music, a Fourth of July festival, a tree lighting ceremony, and a Founders Day party that has a live private concert. I’m not talking about Joe Schmo and the drumsticks. I’m talking an actual band with several albums, toured the world, YOU KNOW THIER SONGS kind of band. Who does that?! Verrado, that’s who. And why? Because Verrado is hands down the best place to live and you should expect nothing less. Come on over and have a visit. There are no strangers in Verrado, Only friends.

Rob Chapman is a great resource when looking to buy Verrado home If you would like to hear more or schedule a private tour, let me know. Just give me a call at 623-999-8646 or send me an email at rob@robsarizonarealestate.com. I would be more than happy to meet you for that cup of coffee and show you everything there is to see. 

Posted in Verrado
April 13, 2018

Goodyear Homes for Sale

If you are planning to move to Arizona, you will not be disappointed with the quality or price of the homes for sale in Goodyear, AZ. Whether you are a sports fan or an outdoor enthusiast this town has it all. Goodyear, AZ is within a 20 minute drive of the Arizona Cardinals Stadium, 15 minute drive from the Cincinnati Reds and Cleveland Indians training stadium and a short 30 minute drive will put you at the base of the White Tanks mountains which offer amazing views and hiking trails for all levels of expertise. It is also home to several golf courses. As a matter of fact, there are 16 different courses within a 20 minute drive.

Located West of the Phoenix Metro area, here you will find plenty of shopping and dining as well as numerous leisure activities, top medical facilities and outstanding schools. 80, 000 people, in total, call Goodyear home and in 2008 was awarded the All-American City award. Goodyear offers breathing room while still providing easy access to the larger cities and a 40 minute drive to the airport.

If you are looking for homes for sale in Goodyear, AZ that are near downtown or in the mountains, both options are available. Gated communities? It’s here. The finest in retirement? We have that too. The largest community in Goodyear is Estrella which is home to 10,000 residents and is a master planned community built in the Estrella Mountains. Palm Valley, which is located just North of the I-10 has a wide array of homes and sizes, from starter homes to luxury homes in gated communities. Pebbelcreek is an active adult community also located just North of the I-10 offering 45 holes of championship golf, fine dining and fitness centers. Shopping for homes for sale in Goodyear, AZ is a fantastic place to start and Goodyear is a great place to call home.

We have been selling Goodyear homes for several years, if you would like to hear more or schedule a private tour, let me know. Just give me a call at 623-999-8646 or send me an email at rob@robsarizonarealestate.com. I would be more than happy to meet you for that cup of coffee and show you everything there is to see.

Dec. 15, 2017

If you are planning to buy a home in 2018, here is what you should do now


If your goal is to buy a home in Arizona in 2018, here are a few things you should do to get ready for your house hunting adventure. Whether you are looking on the Westside for homes for sale in Buckeye, AZ  or for on the Eastside searching for homes for sale in Chandler, AZ  the prep work is the same.


1. Check your credit score

FICO credit scores can range from 300-850 and a great credit score is like gold. The higher the number, the better your chances of getting a great loan. The minimum credit score needed to achieve a home loan is currently at 580. A score of 740 or higher will give you the best interest rate on a loan for homes in Arizona. Even a loan rate 1% - 2 % lower can save you thousands a year.

If your credit falls a little short, now is a great time to start repairing your score. Making your payments on time and paying down any debt you may have on credit cards is a good place to start. Something to keep in mind that makes you look great to creditors is to keep a balance of 30% or lower of your available credit on your credit cards. 


2. Don't open new credit cards or make big purchases

Even if you are tempted to save 20% on your purchase by opening a new big box card, don’t. When you open a new account, you also open a new line of credit. What you have borrowed on your new credit line could be enough to change your application numbers and could possibly jeopardize the loan application. Saving a few dollars now could cost your way more down the line in the form of higher mortgage payments. 


3. Ask for financial gifts for the holidays

Mortgage loans aside, something else you will need to buy a home in Arizona is cash. A downpayment, closing costs, moving costs and small odds and ends fees for such things as inspections and appraisals are needed. 

A good solution for acquiring cash for such things would be to suggest family members give you the gift of cash vs. another item the you may not ever use. 


4. Find the best interest rate

Everyone has seen or heard both types of commercials. We are either having historically low interest rates or that interests rates on on the rise. Just as home prices can be negotiated, interest rates can be the same way. I suggest to anyone planning to buy a home to shop around until they find the best rate they can and lock it in. As mentioned previously, the better your credit rating the better interest rate you will be able to find. 


5. Shop for a good mortgage lender

This is the most important item on the list and should have been a little closer to the top. The first step you should take, prior to looking for a new home in Arizona is to find a mortgage lender and see how much home you can afford to buy. This will give you a good place to start when you do begin your home search. A good mortgage lender will also be able to give you advice on repairing your credit score if it’s lower than you would like.


6. Time to get pre-approved

In preparation for your meeting with your lender, having your paperwork ahead of time will make you look like a rockstar. Here is a list of forms and paperwork you will need to have at the ready when you meet for the first time.


2 years of tax returns

2 years of W-2 forms

Pay stubs from the past few months

1 year worth of mortgage/rental payments

A list of all of your debts such as credit cards, school loans, auto loans, etc.

A list of assets such as 2 months of bank statements, Car titles, real estate holdings and investment accounts.


As a last note, quitting your job or long your job during this time could be detrimental to your cause. Though transferring within the company to another division or state is completely acceptable.


If you have any questions or are interested in looking for a new home in Arizona, feel free to give me a call and we can discuss what you are looking for. I am also able to suggest a good lender if one is needed. 

Nov. 16, 2017

5 Questions you should ask a mortgage lender

Choosing a mortgage lender in Arizona should never be a decision you make without thought. Not all Arizona mortgage lenders are the same. Many times your Realtor will be able to suggest a lender that they have worked with before and have a proven track record. If you choose to find a lender on your own, make sure that you interview a few for comparison prior to looking and falling in love with a new home. You my end up scrambling to find a lender in order to get in an offer before the home disappears. 

Buyers Remorse

As much as 21% of home buyers reported that they regret the lender they have chosen to go with. For first time home buyers, it’s as high as 27%. Citing that lack of communication, promised that weren't delivered upon and high pressure to select mortgage products being the top complaints. If a lender doesn't call you back in a timely matter or answer any concerns you may have to your satisfaction you may want to consider looking elsewhere. Also, if you don't feel a connection with them in your gut you should also move on. If there is not a personal connection, it could ruin your experience. You will be speaking to this lender quite a bit so a connection is important. 

Finding a lender is a lot like dating

Just like dating, communication is key. The lender you choose needs to speak with you often in a way that makes you feel comfortable. No matter is its on-line, over the phone or in person it is important that your Arizona lender  is willing to spend time with you and does not get irritated or you feel they are rushing you off the phone when you call.

Here are a few questions everyone should ask a potential lender in Arizona prior to making a decision. 

1. Should I buy now or wait?

This will all depend on your current circumstance which your lender will be able to evaluate. items such as debt-to-income ratio, length of employment and amount of funds you have available for a down payment. A good lender will be able to explain your situation to you in a way that you understand.

2. How much personal debts need to be paid down before I apply for a loan?

Not all debt is considered personal debt but things such as credit cards and school loans are. A good Arizona lender will go thru your report with you and tell you what they are looking for and what to do in order to improve your credit rating. Credit rating range from between 300-850. Many lenders require a score of 580 or higher in order to qualify you for a loan. A score of 700-750 is considered good and anything above 750 is considered great. If you are not sure what your score is prior to going to a lender, there are a number of places to check your score for free before you meet.

 3. Would I benefit from buying points to lower my interest rate?

Depending on the type of loan, your interest rate may be coupled with Mortgage Discount Points. One point is equal to 1% of the loan. On a $300,000 home, 1 point will equal $3,000. Ask your potential lender to explain your options. If you plan to stay in your home a long time, paying for points will benefit you in the long run. 

 4. What will I be expected to pay at closing?

Your potential lender should be able to let you know what to expect at closing and it is important that they explain what each charge is. Many times, there are other factors that will keep your lender from giving you a precise number early on in the loan but they should be able to give you a reliable ballpark figure in the beginning. For instance, title company fees cannot be factored in until you know which company is being used to close the deal.

  5. Will your lender be servicing your loan?

One company that collects your future mortgage payments or deals with late or missed payments is handled by a servicing company. Some lenders service their own loans while it is more common that your loan will be sold to to a company that specializes in servicing mortgage loans. Though you have no say in how your loan is serviced, it allows the potential lender to explain how their company works. 

Buying a new home is an exciting and stressful time. Much of the things are out of your control as everything is handled by the companies ensuring the sale is completed in a timely manner. Having peace of mind that you have chosen a great Mortgage company is just one less thing to worry about. 

If you are ready to buy or need a suggestion for a great Arizona Mortgage Lender, please feel free to give me a call or send me an email. I would be happy to help in any way I can.

March 14, 2017

Great Reasons Why Remodeling Over the Winter is the Best Time

Depending on the which end of the country you are in, your winters can be drastically different. Her on the West Coast, we suffer through mild winds, occasional rain and temperatures in the low 70’s. For those of you who are not fortunate enough to suffer through these types of conditions, all is not lost. This is unofficially known as the “indoor remodeling season”. If you are considering doing some home remodeling this season, here are reasons why this winter is the best time. 

Less Competition for Contractors Attention

During the harsh winter months there is a lot less exterior construction taking place. If your project involves, flooring, paint, updating your lighting or a full kitchen remodel, contractors are ready and waiting on the sidelines to keep them busy through the winter months. You will also find that your projects are more likely to stay on schedule in the slower season that it would be during the spring months when outdoor projects pick up.

As the Temperature Rises So Do the Prices

No better time than the present to take advantage of the winter discounts. Just as the contractors are slowing down, so do the sales in construction materials. So what are the manufacturers to do? Offer great discounts!

During the winter months, manufacturers offer discounts on products such as lumber, window and doors and cabinetry to reduce the amount of inventory they are keeping on the shelves. These prices will start to go back up as construction picks up again.

Freshen Up Your Space

Because of the colder weather you may find that it is nearly impossible to vent your home properly for certain remodel and repairs. If this is a concern for you and it outweighs the cost increases in the spring, you may just opt to freshen your home. This may consist of simple projects like tackling that basement or reorganizing those closest you have been avoiding since you moved in.

The Working Vacation

If you have saved up vacation time, this will give you plenty of time between sledding trips to handle the things that you feel comfortable doing yourself. On the other hand, if you and the family are planning to be out of town, this will allow crews to come in and perform the work they were hired to do without disrupting your daily lives.

March 14, 2017

Welcome to Verrado - A Closer Look

Welcome to Verrado

Referred to as the “Scottsdale of the West valley”, the neighborhood of Verrado located in Buckeye, Arizona is one of the true diamond neighborhoods in the entire valley. Nestled at the base of the White Tank Mountains, Verrado is designed with Hometown America in mind. The neighborhood spirit is contagious with everything from pie baking contests to picnics to festivals and farmers markets to movie night in the park to private concerts from big name bands, this is the ultimate place to live. In honor of the hometown feel, Verrado set a Guinness Book of World Record in 2016 for the worlds largest Pot Luck which was held on Main Street. 

If You Build it, They Will Come

Verrado is a Master planned community by DMB and they have thought of absolutely everything and every situation. Before the first home was ever built the main streets, parks and businesses were all in place and operating before the first resident moved in.

The Grass IS Greener on our Side of the Fence

Verrado has planted over 17,000 trees and has 72 parks which is 10 times more parks than the typical neighborhood. All streets are lines with hundreds of trees and the parks were designed that no resident would need to walk more than two blocks. 

A Home for Every Heart

Home styles in Verrado Arizona is the largest selection imaginable. Everything from lofts or townhouses perched atop of the businesses and eateries along Main Street to family style homes along the tree lined streets, One Acre lots for custom homes to a gated community. With the recent addition of Victory at Verrado, the 55+ neighborhood, there is nothing more you could ask for and with 40 model homes to tour, you will surely find something to fit every taste.

Heart Healthy Living at its Best

The layout of Verrado was designed to take advantage of the incredible mountain views that surround the community on three sides with a view of the city lights on the 4th side. There are over 21 miles of walking trails and paths throughout Verrado connecting all of the businesses with the neighborhoods perfect for walking, jogging or biking to anywhere you want to go without the use of your car. There are trails that will lead you from the community to the White Tank Mountains which offers 30,000 acres and an additional 20 miles of trails for those who prefer a more challenging hike or bike. Click HERE for a map of the paths and trails.

There is also a gym in Verrado which is free for residents, so moving here just saved you from having to keep that membership or having to look for a gym if you are new to the area.


Fun in the Sun

Heritage Swim Park is a first class facility and the place to be when the sun comes out. No need to travel long distances to get to the water parks when you have one right in your own neighborhood. Its main feature is giant resort-style pool surrounded by all of the things to make for a great day. 


  • Over-sized resort_style pool
  • Pool house with lockers and changing rooms
  • Wading pool with a beach entry and splash pad for the kids
  • Plenty of shade structure and landscaping
  • A fire pit with plenty of seating 
  • Numerous grilling stations 
  • Birthday Ramada for use with all ages
  • Adult Ramada for special events and everyday use
  • An Entry Pavilion with covered outdoor cafe-style seating
  • An Expansive lawn for hanging out

The Center on Main is another option for fun in Verrado. Located at the Clock Tower on Main Street they offer two additional two swimming pools. One for lap swimming and one for lounging. This is also the home for every activity that you can think of. Painting and sculpting studios, we have them. Scrapbooking or astronomy your thing? We have you covered. No matter what your hobbies, you are sure to find it here. If for some reason it isn't available, residents are encouraged to start their own clubs. There are also multiple networking groups for those that are looking to improve and grow their business. 

Swinging in the Sun

Verrado Has a championship 18 hole course designed by golf legends Tom Lehman and John Fought. It has been listed as one of the “Top 10 New Courses in the US” two years running by Golf Magazine and Golf Digest refers to it as the “Number One Golf Course in Phoenix”. 2016 also marks the fourth year that GolfWeek lists Verrado in the “2016 Best Courses You Can Play”. Verrado started out #16 in 2013 but is now ranked at #4 in 2016. 

With so much praise about their course, what does Verrado do? They add a second course, also designed by Tom Lehman which just opened in February 2017. These courses are open to the public, so feel free to bring your clubs when when you come by for a tour of Verrado. Click HERE to take a virtual tour of all 18 holes. 


Verrado is also the home to several restaurants, from its own Coffee shop which is also the hub for people looking to make Verrado their home to casual and fine dining. If you love food as much as we do, you will find it here. There is also a club aptly named the Taste Buds which is Verrado’s International Food and Wine Tasting Club for adults. 


So, if you are looking for the ultimate place to call home, Verrado has it all. If you would like to schedule a time to take a look for yourself please contact me and we will set a time for you to see everything that you have been missing. 

March 14, 2017

New rules for a mortgage if you are self-employed

Being the boss has its benefits. You set your own schedules, approve you own vacation time and you don't have to work weekends unless you want to. 


If you are lucky enough to be self-employed, congrats! Unfortunately, you have a different set of rules that apply to you when purchasing a home. These rules have been recently updated and will now be taking a closer look at your company income. Let’s take a look at the rules for first time buyers and who will be impacted with the new rules the next time they get a loan



Basic Rules for the Self-Employed

The most important two items that a lender looks at is income and assets which will determine how much of a monthly payment you can afford and where you will be getting your downpayment. Self-Employed borrowers report income as sole proprietors or owners of entities such as partnership, corporations or limited liability companies (LLC’s).


As a sole proprietor, you file your income using the IRS Schedule C. This will track your expenses and income for the year. 

Sole proprietors must qualify using net income from the Schedule C, whereas salary employees get to use their gross income to qualify for a mortgage loan. Also, a lender will calculate a 24 month average of net income for a sole proprietor. If your most recent Schedule C has a lower net income than the previously year, your lender will use your worst-case income by calculating the most recent year.


If you are self-employed and your business is run through a corporations, partnership or limited liability corporation, the IRS will require these to file separate sets of tax returns. If the percentage of the entity that you own is 25% or greater, you will be required to supply these tax returns as well as your returns. 


Lenders will average your income using two years of business and personal tax returns, just as with the Schedule C, if the most recent return is lower, the lender will use a 12 month average of the lower year.  


Now when it comes to assets, self-employed borrowers usually have their money tied up in their business and may be planning to use those funds for a downpayment. 

With some lenders this is allowable. If this happens the lender will require your CPA to verify that the use of business funds for a purchase will not effect your business.



A New Set of Rules for the Self-Employed Borrower

In the first quarter or 2016, Self-Employment Income Calculation Guidelines were updated by Fannie Mae for borrowers who own partnerships and S Corps.The update in the guidelines are strict on income and debt trends to determine if a company has enough assets to support a withdrawal of earnings to pay the owners.


If you own  business like this, the income from your business will show up on a form called Schedule K1. The numbers from this form will get carried to you personal income tax return as income. 


There are two types of main income. Ordinary business income and distributions. The new rules now impose conditions determining if either of these avenues of income can be used. If distributions are higher than ordinary business income, then your ordinary business income will be used. If it is the opposite and ordinary business income is higher than distributions or distributions do not exist, then there are different guidelines to determine if you can qualify. 




The results are based specifically on you and your personal situation and may differ by lender. To find out if you qualify for a loan as a full or part owner in a partnership or corporations please let me know and I will help you locate a lander that can analyze your tax returns and help get you on the road to home ownership.


Dec. 21, 2016

The REAL way to save for a downpayment

The cost of rent is set to outpace home values by the end of the year, so now is a great time to buy a home. Another good reason is due to the stable market and the fixed mortgage payments. 

In 2015, according to Zillow, the millennial generation became the largest home-buying age group. Whether you fall into that generation or not, coming up with a downpayment can be tough. Here are a list of great suggestions to help you get there.


Skipping your morning cup of joe can help you to save money. But even at $5 a cup, you would only save $150 a month. With the typical downpayment required with an FHA loan being 3%, you would need $9000 for a downpayment on a $300,000 home. So, if you skip your morning coffee for 5 years, you would have what you need, but who has that kind of time?

Lets talk about something a little more serious, your rent. Rent is likely eating at a minimum, 30% of your income. You can attempt to negotiate for a lower rent with your landlord, but that isn't a likely scenario. Moving to another less expensive location or downsizing may be the answer. Downsizing the rental even by one bedroom less can save you upward of 20% of what you are currently paying for rent. 


This one is a gimme: Let your payroll department know that you would like to have a fixed amount of your income automatically deducted and deposited into a new savings account. Decide what you are comfortable with and what you can afford. The payoff over time could be significant.


On average, the average tax return is over $3000 and expected to go higher. It may be tempting to get a new and larger TV or the latest and greatest something, but tuck it away for that new house. Owning your own home will bring you much more joy.


This is not something you want to set for a long term goal, but for a short time while saving for a downpayment, this is a viable option. Just to be clear, do not clean out your retirement account, just start contributing less until you have reached your needed amount. 

If you have a 401(k) with employer match and you are contributing the max, which is 6%, consider allocating your funds there first to acquire your downpayment.


I know this is likely your last resort, but if it’s an option, you should consider it. In 2016, 30% of home buyers received gift funds form family and friends. Thats up from 27% in 2013 and 22% in 2009. 

The 2015 annual gift tax exclusion law allows any individual to gift $14,000 a year, tax free. So a married set of parents can give their child a total of $28,000, or they can gift a married couple up to $56,000. Here is how this would work, The mother can write two checks for $14,000, one to her son/daughter and one to the son/daughter-in-law. The father can do the same for a total of four $14,000 checks. 

Now that you have a few real options, its time to get started. If you have already saved for your downpayment and are looking for a new Arizona home, please give me a call. I am willing to help with all of your needs.