Lenders and home loan mortgages

Finding the Right Home Mortgage Lender in The Denver Mountains and Foothills

2022-07-23

One of the biggest decisions you’ll make as a homebuyer is also one of the most complex: choosing a lender. Home mortgage lenders are often local and regional banks, credit unions, or online mortgage brokers who can help you identify financing options based on your creditworthiness, risk profile, and financial circumstances. To begin your home loan search, find out if you qualify for an affordable housing loan or other program that might reduce your down payment or interest rate. If not, start researching private lenders from personal contacts and real estate agents to local directories such as the Yellow Pages or websites like www.HRAClenders.com. The right lender may be closer than you think! Here are a few tips to help you choose the right home mortgage lender:Continue Reading

Real Estate News:
Homes for Sale Evergreen Colorado
Homes for Sale

Homes for Sale Evergreen Colorado: A Comprehensive Guide. There is low home inventory in Evergreen and the Denver Foothills but you can still find homes for sale in Evergreen, Colorado. The Prices on homes has gone up considerably in the last few years, just like the real estate market in Read more

Evergreen Colorado
Evergreen-CO

We get this question a lot and the answer is always different depending on who you talk to. We’re not going to sugar coat it though because this is real estate after all and we are in the business to be as transparent as possible. The first thing you should Read more

A Guide To Downtown Golden and Golden, Colorado:
Realtor-Golden.-CO

We've got it all here: From the historic family-friendly downtown to the region's championship high school sports program.  Golden is the county seat of Jefferson County, Colorado, United States. Founded during the Pike’s Peak Gold Rush on June 16, 1859, the mining camp was originally named “Golden City” in honor Read more

The DIfference between Realtor and Real Estate Agent
Real Estate Agent Dan Skelly Colorado And Florida

Real estate agents have become a common sight in most cities of the world. Real estate agents act as intermediaries between prospective home buyers or tenants and real estate developers, property managers, landlords, or other commercial property owners. They help people find properties they would like to live in and Read more

Upsize or Downsizing in 2022

2022 is a Great Year To Upscale or Downsize Your Home

2022-02-12

Homeownership is one of the most important decisions you will make in your lifetime. With housing markets constantly changing, it can be hard to know what’s best for your family. But there’s good news! There are many homes on the market that are perfect for either upsizing or downsizing. Check out this list of six reasons why 2022 is a great year to consider either option.Continue Reading

Real Estate News:
Southwest Florida Real Estate And Homes for Sale
Southwest Florida Real Estate

The Southwest Florida real estate market is among the most desirable places to live in the United States. With a number of cities and towns that offer an ideal mix of coastal living, suburban neighborhoods and rural landscapes, it's easy to see why this area has been attracting people from Read more

How Do You Become a Real Estate Agent or Realtor
Realtor Logo

How to become a real estate agent. All states are different but they are pretty similar in the procedure. Most people don't understand the amount of education and continuing education real estate agents and Realtors take. States want the best real estate agents and people that know what they are Read more

Colorado Real Estate: What You Should Know Before Selling Your House
Selling Your Home

Just because it is a seller's market doesn't mean you don't need a good real estate agent. Also, people think they don't need to market their home in a seller's market. That is completely untrue and a way to not maximize your profit. So many real estate listing agents slack Read more

What are the Different Types of Home Mortgages? FHA, VA, Conventional, USDA and Jumbo.
Home Loans

Mortgages are one of the most important decisions for any homeowner. The mortgage you choose will not only dictate how much money you spend on interest but also the type of property you can purchase. Knowing your options is key to making a decision that'll work best for you.

Home Mortgages

How to Know if You Qualify for a Home Mortgage: A Simple Guide

2021-08-25

1. Do I qualify for a mortgage? It’s important to think about what your monthly payment will be in a financial capacity. You need to figure out if you have enough income to make your monthly mortgage payments and still have money left over. Some lenders will ask for a basic income tax and/or W-2 information. Others will ask for additional tax information.Continue Reading

Real Estate News:
A Guide To Downtown Golden and Golden, Colorado:
Realtor-Golden.-CO

We've got it all here: From the historic family-friendly downtown to the region's championship high school sports program.  Golden is the county seat of Jefferson County, Colorado, United States. Founded during the Pike’s Peak Gold Rush on June 16, 1859, the mining camp was originally named “Golden City” in honor Read more

What is the Difference Between an ILC and a Land Survey?
Land-Survey-VS-ILC

What is the difference between and ILC and a Land Survey? Most title companies and lender will accept an ILC which is cheaper than a land survey but aren't as exact or time consuming as land surveys. Usually, a county or town will require a more detailed survey for building Read more

Denver Mountain Homes For Sale – Before Buying Things You Need to Know
Denver Mountain Homes for Sale

The buyer must have a desire to buy, and the seller must have a sincere desire to sell the property, provided that both parties have expressed their desire to the other party. The buyer and seller must aim to conclude a contract of sale.

Mountain Homes – What Types of Inspections do I Need?
Mountain-Home-Inspections

What Types of Home Inspections Are There for Mountain Homes? - Radon Test - Sewer Line Test - Water Line Test - Foundation Inspection - Roofing Inspection - Insulation Inspection - Lead Paint Testing - Basement or Crawlspace Inspection

Inflation and home prices

How Does Inflation Affect The Real Estate Market?

2021-07-14

When inflation rises it seems like the price of everything goes up. Although low interest rates are a major cause of inflation it still makes home prices rise. Does that mean it is better to buy with cash or get a mortgage when inflation increases. If interest rates rise then buyer’s home purchase power goes down.

Continue Reading

Real Estate News:
2022 is a Great Year To Upscale or Downsize Your Home
Upsize or Downsizing in 2022

Homeownership is one of the most important decisions you will make in your lifetime. With housing markets constantly changing, it can be hard to know what’s best for your family. But there's good news! There are many homes on the market that are perfect for either upsizing or downsizing. Check Read more

Luxury Homes – Buying and Selling Helpful Tips
Colorado-Luxury-Homes

Colorado Luxury Homes The price of the house is too high and it will remain on the market for several months without a sale. Too high a price - the risk of leaving a stale house on the market; the price is too low and you may end up getting Read more

Denver Mountain Real Estate Agents – Buying and Selling a Mountain Property is Not For City Agents
Denver-Mountain-Real-Estate-Agents

Before deciding to sell your home, it's helpful to have a clear understanding of how much it will cost. Whether you're repainting things, replacing roof membranes, or just paying taxes, you're going to have to pay some bills. Let's take a quick look at some of the real costs you Read more

Real Estate Agents Evergreen Colorado
Real Estate Agent

Evergreen, Colorado, has plenty of property for sale in this perfect little mountain town. Evergreen is one of the most desirable areas in the Denver foothills of Colorado. With a population of more than 25,000, this residence is close to Denver and the world-class ski resorts of Breckenridge and Vail. Read more

Home loans and mortgages

Getting Financing for Buying a Home: What You Need to Know

2021-07-12

Lenders are constantly changing the parameters and terms for obtaining financing. Most people still need to get a loan to purchase a home. There are more cash buyers in some areas but most Americans still finance their home. With mortgage rates at historic lows, money is almost free to borrow. Getting financing is not as difficult as you might think in 2021.Continue Reading

Real Estate News:
How Does Student Debt Impact You Buying a Home?
Student Debt

Student Debt and Buying a Home Whether you are just about to graduate college or you have been out for a few years, there's a good chance you're carrying some amount of student loan debt. It seems that news headlines are regularly pointing out that the nation's graduates are suffering Read more

What are the Different Types of Home Mortgages? FHA, VA, Conventional, USDA and Jumbo.
Home Loans

Mortgages are one of the most important decisions for any homeowner. The mortgage you choose will not only dictate how much money you spend on interest but also the type of property you can purchase. Knowing your options is key to making a decision that'll work best for you.

What is the Difference Between an ILC and a Land Survey?
Land-Survey-VS-ILC

What is the difference between and ILC and a Land Survey? Most title companies and lender will accept an ILC which is cheaper than a land survey but aren't as exact or time consuming as land surveys. Usually, a county or town will require a more detailed survey for building Read more

Finding the Right Home Mortgage Lender in The Denver Mountains and Foothills
Lenders and home loan mortgages

One of the biggest decisions you’ll make as a homebuyer is also one of the most complex: choosing a lender. Home mortgage lenders are often local and regional banks, credit unions, or online mortgage brokers who can help you identify financing options based on your creditworthiness, risk profile, and financial Read more

Land-Survey-VS-ILC

What is the Difference Between an ILC and a Land Survey?

2021-07-10

What is the difference between and ILC and a Land Survey? Most title companies and lender will accept an ILC which is cheaper than a land survey but aren’t as exact or time consuming as land surveys. Usually, a county or town will require a more detailed survey for building and addition projects.Continue Reading

Real Estate News:
Luxury Denver Mountain Homes
Luxury Mountain Homes

The Luxury Denver luxury home market is on fire. The luxury prices continue to rise as people are seeking a luxurious lifestyle in the Denver Mountains. You can get into a luxury mountain home for around $3 Million. That is if you can even find a Denver mountain luxury home Read more

Buying a Home In Colorado

Buying a home in Colorado is the same as anywhere else, sort of. There are some areas you will run into things you may not in the "big city". Many mountain properties have wells and septic systems that are not a big deal. They are just different for some folks Read more

Selling Your Colorado Home During a Divorce – Colorado Divorce Listing Agents
Selling Your Home During a Divorce

Selling your home during a divorce is not any different than a normal sale. Maybe just a little more emotional strain. We will work tightly with your divorce attorneys to make sure there is no money left on the table and everyone is as happy as they can be in Read more

Inventory is picking up – Buyers are seeing more homes for sale 2022
Homes for sale

Home shoppers may have to put in more time and effort to find the right property, but they have a better chance of finding it. With fewer buyers competing for each home on the market, buyers may be able to negotiate better deals and have more flexibility in terms of Read more

Student Debt

How Does Student Debt Impact You Buying a Home?

2021-06-30

Whether you are just about to graduate college or you have been out for a few years, there’s a good chance you’re carrying some amount of student loan debt. It seems that news headlines are regularly pointing out that the nation’s graduates are suffering from the stress of student debt.Continue Reading

Real Estate News:
Best Real Estate Agents for Buying Denver Mountain Homes. Only Use a Mountain Realtor
Finding the Right Denver Mountain Real estate agent

Contact a real estate agent to ensure the best possible outcome whether you are a buyer or seller. A property sale contract is usually signed immediately after the contract is signed. Title transfers immediately to the buyer. The buyer has acquired the property even if the property has not been Read more

Colorado Real Estate Market Fall 2021 Update
Orson Hill Realty

The Colorado real estate market is starting to calm going into the fall of 2021. It is still a seller's market but we aren't seeing the panic buying from buyers. Colorado no longer has a "selling season" but things always tend to level off in the fall as families work Read more

Finding the Best Real Estate Agent Near You
Real-Estate-Agent-Near-You

Everyone knows a real estate agent or two. That person you know may not be the right agent for you. Don't feel bad if you don't hire a friend or relative for buying or selling your home. Agents usually specialize in a certain type of property. That may not be Read more

What Types of Home Inspection Should Buyers Get?
Types of Home Inspections

There are many types of home inspections. A few of them depend on the region you are purchasing your new home. Buyers should always get a general home inspection, radon and depending on the are there are well, septic and other inspection types. You may need to get a roof Read more