Tag Archives: Tiffany & Bosco


Tiffany & Bosco earns honor

Tiffany & Bosco has been recognized by LexisNexis Martindale-Hubbell as one of the 2013 U.S. Top Ranked Law Firms based on the large percentage of the firm’s attorneys who are individually AV-rated.  A law firm carries the rating of the highest rated lawyers in the firm. Lawyers are rated by their peers (other lawyers) and by judges. Martindale-Hubbell obtains the confidential opinions of lawyers and judges, then each lawyer is given two ratings, one for integrity or character; the other for competence. Tiffany & Bosco has an AV rating, which means it has an “A” (the highest) rating for competence and a “V” (very good – the highest) rating for integrity. Martindale-Hubbell publishes its ratings annually.

As of January 1, 2013, 59 percent of Tiffany & Bosco’s partners had achieved an AV-rating. “We are honored to receive this designation which is a reflection of the firm’s dedication to the profession, experience, integrity and overall service excellence,” stated Michael E. Tiffany, Managing Partner and Shareholder of Tiffany & Bosco. The list was compiled by LexisNexis Martindale-Hubbell.

Boys and Girls Club Youths of the Year


By Rick Baker

Boys & Girls Clubs of Greater Scottsdale will honor its 2013 Youth of the Year branch winners at its annual Celebrate Youth Gala & Auction on Saturday, March 9, 2013, at Talking Stick Resort.

Presented by Tiffany & Bosco and Great American Title, the annual gala includes a dinner, silent and live auctions, paddle raiser, and live entertainment by Club members.

The highlight of the evening will be hearing each of the nine branch’s Youth of the Year honoree give inspiring speeches, followed by one of the teens being named the 2013 Overall Boys & Girls Clubs of Greater Scottsdale Youth of the Year – the highest honor given to a member of the organization.

Each year, all of the greater-Scottsdale Clubs have the honor of taking their teens served through the Youth of the Year nomination program, with one overall teen being honored as their branch’s Youth of the Year.

This year’s branch-by-branch honorees are:

Ariana Alvez, senior at Desert Mountain High School and member of the Virginia G. Piper Branch, located in Scottsdale

Jessica DuBois, junior at Coronado High School and member of the Hartley & Ruth Baker Branch, located in Scottsdale

Samantha Elder, sophomore at Fountain Hills High School and member of the Mary Ellen & Robert McKee Branch, located in Fountain Hills

Amari Gonzales, junior at Westwood High School and member of the Lehi Branch, located on the Salt River Pima-Maricopa Indian Community

Dani Haboush, sophomore at Cactus Shadows High School and member of the Vestar Branch, located in Desert Ridge

Alexa Jenouri, junior at Cactus Shadows High School and member of the Thunderbirds Branch, located in Scottsdale

Marissa Masters, junior at Saguaro High School and member of the Rose Lane Branch, located in Scottsdale

Kristofferson Walker, junior at Seligman High School and member of the Hualapai Branch, located in Peach Springs

Lane Yazzie, freshman at Salt River High School and member of the Red Mountain Branch, located on the Salt River Pima-Maricopa Indian Community

What They Earn

The 2013 Youth of the Year winner will receive a $5,000 scholarship from General Dynamics C4 Systems, a laptop from NPCE Technology Solutions and a Young Leadership Training scholarship from U & Improved. Each of the eight runners-up will receive a $1,000 scholarship from General Dynamics C4 Systems and Google tablets from NPCE Technology Solutions.

Who Helps Make it Possible

Title sponsors are Tiffany & Bosco and Great American Title, and other major sponsors include General Dynamics C4 Systems, Republic Services, Talking Stick Resort and Casino Arizona.

The 2013 Boys & Girls Clubs of Greater Scottsdale Youth of the Year will continue on to the state-level competition with other organizations from across Arizona. The state finalist will be announced during the Arizona State Youth of the Year Legislative Breakfast to be held on April 3, 2013, at U.S. Airways Center.

The winner of the state competition advances to the Pacific Region Youth of the Year competition held later this year, with the opportunity to continue to the national event.

Come Join Us!

Tickets for Celebrate Youth Gala & Auction start at $125 per person. Tables and event sponsorships are still available. For more information or to see our 2013 sponsors please visit www.celebrateyouthgala.org or call 480-344-5682.

About Rick Baker

Rick Baker is Chairman of the Board at Boys & Girls Clubs of Greater Scottsdale. He has been involved with the organization since 2001 and is currently working with the team on “Angels for Kids, Mentors for Life,” the annual giving campaign for the Boys & Girls Clubs of Greater Scottsdale. Mentoring helps youth in their personal and educational development as well as prepares them to be productive future citizens. For more information, please visit www.bgcs.org.

Tiffany M.

Tiffany Named To 2012 Edition Of Chambers

Michael E. Tiffany, a shareholder and the managing attorney at Tiffany & Bosco, P.A. in Phoenix, has been listed as a leader in his field in the 2012 edition of Chambers USA: America’s Leading Lawyers for Business in the Real Estate practice area.

Tiffany was recognized by his clients as “having vast experience, valuable technical and industry-specific knowledge, and the ability in negotiations to make all parties feel they have won, even though his client has the better end of the bargain.” He has more than 40 years’ experience of Arizona legal practice, and recently acted for Spurlock Land in connection with the pre-development of a 2,800 acre master-planned community in Buckeye. Other highlights include assisting Branagh/Patterson Investments with the refinancing of apartment projects in Phoenix, Las Vegas and Kennewick, Washington, and acting for Nucare Management with a $37.4 Million loan for its Springdale Village retirement and Springdale West healthcare campuses.

Tiffany’s practice is concentrated in the area of commercial transactions, primarily in strategic planning, business solutions, real estate and finance, including HUD insured loans for multi-housing projects. He is also listed in Best Lawyers in America, Southwest Super Lawyers, Arizona’s Finest Lawyers, and most recently as the Top Ten Industry Leaders for the 2011-2012 People to Know in Commercial Real Estate.

homebuyers - Arizona Business Magazine May/June 2012

Homebuyers Bounce Back

The rules have changed a bit, but it’s still a perfect time to purchase a home.

If you have good credit and a good job history and can put money down for a house, it’s a great time to buy, say experts in real estate and finance. In fact, the sooner the better, because it may soon turn into a seller’s market for housing.

And mortgage rates could be climbing as well. Mortgage buyer Freddie Mac recently announced that the average rate on 30-year loans had jumped to the 4 percent level for the first time in three months.

According to attorney Kevin Nelson of Tiffany & Bosco, whose practice focuses on mortgage and real estate, homebuyers can get very attractive packages if they have the solid down payments and credit. “Homeowners can also refinance if they have substantial value in their homes. But lenders are still very cautious about permitting homeowners to have lines of credit,” Nelson says. “And they probably still will be until the financial problems in Europe and unrest in the Middle East calm down.”

Both larger banks and mortgage companies say business is very good. “In the past 10 years, we have never done as many loans per month as we are doing right now,” says Tim Disbrow, regional sales manager for Wells Fargo Bank. “We are the No. 1 lender by a longshot for all mortgages across the state, including Fannie and Freddie and FHA.”

Although some in the lending industry say big banks are moving very slowly in making home loans and can’t keep up with the volume, Disbrow disputed that. “Consumers who go to banks for mortgages are just being asked to document their savings, job history and salaries, something that they weren’t asked to do in the boom years,” he says.

The same rules apply with all lenders now, he says, whether they are banks or mortgage companies. Customers everywhere have to meet the same requirements based on Fannie and Freddie guidelines.

For conventional conforming mortgages of $417,000 or less that are insured by Fannie Mae and Freddie Mac, down payments must be 5 percent or more. Down payments for FHA loans are 3.5 percent. Jumbo loans also seem to be widely available, but lenders generally do not sell them to Fannie Mae and Freddie.

“The big difference between us and mortgage companies is that customers may have to pay other loan originators more in fees,” Disbrow says.

Foreigners are helping fuel the rising demand for homes in the Phoenix area, but plenty of Americans are buying as well. Canada, New Zealand and Australia are well represented. Many foreign buyers pay cash, but some mortgage companies offer loan programs for them. Buyers are often investors attracted to the housing market by low home prices and the potential for high rents.

Eric Bowlby, president of AmeriFirst Financial in Mesa, estimated that about 40 percent of the homebuyers in Maricopa County are cash buyers, while 60 percent get mortgages.

Surprisingly, even those who lost their homes in a foreclosure or short sale can finance homes with mortgages, but they must put down fairly substantial down payments. They can even get an FHA-insured loan from three to five years after losing their previous home.

But to get a Fannie Mae-backed mortgage or one from Freddie Mac, someone who had a foreclosure has to wait from five to seven years. However, if a buyer can verify that some hardship led him or her to walk away from their property – like the loss of a job or an illness – they may get relief from the time requirements.

According to Bowlby, even if someone was upside down in their mortgage and walked away, AmeriFirst has a hard money hedge fund that will finance mortgages almost immediately for those who have the income to qualify and make a 25 percent down payment.

“Even those who are one day out of foreclosure or bankruptcy may be able to qualify,” he says, “but the interest rate is 12 percent.

The rate may be high, he says, but it’s still cheaper to buy than to rent because of the homeowner’s tax deduction and the current increases in rental rates.


Recently, Wells Fargo announced that it is bringing a new pilot program to Phoenix in an effort to help stabilize housing markets.

The Neighborhood LIFT program, already available in Atlanta and Los Angeles, is designed to help communities attract qualified prospective homebuyers to neighborhoods that are struggling with high inventories of unsold homes.

In Phoenix, the bank has a five-year goal of making $3 billion in such loans. Prospective homebuyers can qualify for down payment assistance grants of up to $15,000, covering home and renovation financing and will also participate in home buyer seminars and tours of properties for sale. There are limits on the amount of income families can have and limits on the size of loans.

Arizona Business Magazine May/June 2012


Two attorneys become shareholders

Tiffany & Bosco Names New Shareholders

The law firm of Tiffany & Bosco P.A. announced that attorneys Lance R. Broberg and Benjamin A. Thinnes have been named Shareholders.

Broberg joined the firm in 2005 and his practice is concentrated in the area of general civil and commercial litigation, and focuses in matters regarding intra-corporate disputes and “business divorce.”  Broberg also serves clients with commercial landlord-tenant disputes, assists creditors in bankruptcy actions, and prosecutes appellate matters. Broberg is a 2002 graduate of Arizona State University, and received his J.D. from the University of Arizona James E. Rogers College of Law in 2005. He is actively involved in the Arizona State High School Mock Trial Program and serves as a director of the Northern Arizona Advisory Board of the American Lung Association of the Southwest.

Thinnes practices in the area of real estate transactions and finance, including purchase and sale transactions, leasing, real estate financing (including HUD insured loans for multi-housing projects), master-planned developments, and golf course and private club developments involving purchases, sales, financing, turnovers, and equity conversions.  Prior to joining Tiffany & Bosco, P.A., in 2011, Thinnes served as general counsel for one of the country’s preeminent private golf-community developers, during which time he acted as counsel in all facets of the law relating to the planning, development, and operation of private golf communities, both in the United States and abroad. He graduated from the University of Arizona, in 1996; and the University of San Diego School of Law, with a J.D, in 2002.

Michael Tiffany, managing partner and shareholder stated, “We are pleased to announce that Mr. Broberg and Mr. Thinnes have been named shareholders. They are dedicated, hard-working, and interested in their clients’ well-being. They are a great asset to our firm and to our community.”

For more information on Tiffany & Bosco and their new shareholders, visit Tiffany & Bosco’s website at tblaw.com.

AREA Awards

AREA Awards 2012 Winners, Finalists & Photos

A night full of networking, laughs and recognition, the first annual Arizona Real Estate Achievement, AREA Awards ceremony was held on May 3, 2012 at the Ritz-Carlton in Phoenix.

The Arizona Real Estate Achievement (AREA) Awards are selected by a panel of industry experts and honor the state’s best and brightest real estate companies, real estate agents, real estate brokers, mortgage companies, bankers, home builders, individuals who give back to the community, and those in the real estate business whose careers have left an indelible mark on the community and on the industry.

Comedian Travis Thurman made a special appearance at this year’s AREA Awards as our opening introduction. And the keynote speaker, Paul Blue, Chief of Staff for the Office of the Mayor informed the attendees of the importance of the real estate industry, neighborhood safety, education and much more.

Congratulations to all of the finalists, honorable mentions and winners!

View photos from the event on our Facebook:

AREA 2012 Snapshots

Photos: Cory Bergquist

Congratulations to all of our winners:


Winner: Russell Shaw, Realty One Group
Honorable Mention:
Curtis Johnson, Curtis Johnson Realty


Winner: Deems Dickenson, Russ Lyon Sotheby’s International
Honorable Mention:
Dale Hillard, West USA Realty


Winner: TEAM Investments
Honorable Mention:
Kirans & Associates


Winner: Keller Williams Legacy One Realty
Honorable Mention:
Coldwell Banker Residential Brokerage


Winner: Bill Rogers, Homeowners Financial Group
Honorable Mention:


Winner: AmeriFirst Financial
Honorable Mention:
CNN Mortgage


Winner: Tiffany & Bosco
Honorable Mention:
Nussbaum Gillis & Dinner


Winner: Lennar


Winner: Cullum Homes


Winner: Erica Curtin, HomeSmart Realty
Honorable Mention: Kent Rini, CrimeBusters AZ


Winner: Walt Danley, Walt Danley Realty


Winner: Coldwell Banker Residential Brokerage


  • Erica Curtin, HomeSmart Realty
  • Walt Danley, Walt Danley Realty
  • Don Dickinson, Russ Lyon Sotheby’s International Realty
  • Dale Hillard, West USA Realty
  • Curtis Johnson, Curtis Johnson Realty
  • Tanya Marchiol, TEAM Investments
  • Kent Rini, Crimebusters of AZ
  • Russell Shaw, Realty ONE Group
  • Kiran Vedantam, Kirans & Associates
  • Keller Williams Legacy One Realty
  • AmeriFirst Financial Inc.
  • Coldwell Banker
  • CNN Mortgage
  • Cullum Homes
  • Homeowners Financial Group
  • Lennar Arizona, Inc.
  • NOVA Home Loans
  • Nussbaum Gillis & Dinner, P.Cc
  • Tiffany & Bosco

Presenting Sponsor:

Great American Title Agency


Event Partner:

Phoenix Association of Realtors WEMAR

AREA Awards

AREA Awards 2012: Law Firm Of The Year

The Arizona Real Estate Achievement (AREA) Awards — selected by a panel of industry experts — honor the state’s best and brightest real estate companies, real estate agents, real estate brokers, mortgage companies, bankers, home builders, individuals who give back to the community, and those in the real estate business whose careers have left an indelible mark on the community and on the industry.


Winner: Tiffany & Bosco

AREA Awards: Tiffany & BoscoSince 1967, Tiffany & Bosco has served its real estate and banking clients with experienced, innovative service. The firm’s real estate services involve the purchase, sale, financing, planning, zoning, development, construction, management, and leasing of land, subdivisions, and improved real property. The firm’s real estate clients include investors, lenders, developers, builders, contractors, property managers, and those providing services to them, including brokers, appraisers, engineers, planners, architects, and title companies. Projects include apartment, hotel, office, retail, commercial and residential condominiums, industrial, residential, and telecommunication properties.

Honorable Mention: Nussbaum Gillis & Dinner

Although the firm was only founded in 2008, the partners of Nussbaum Gillis & Dinner are well-seasoned and well-respected in the law community, having been peer review rated AV-Preeminent by Martindale-Hubbell. The firm has assisted more than 1,000 client in real estate-related matters, including short sales, foreclosure defense, modifications, and bankruptcy. Through lectures, seminars, and published articles, Nussbaum Gillis & Dinner attorneys have provided educational and practical information for Realtors and the public.

Arizona Business Magazine May/June 2012