Lenders and home loan mortgages

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

2022-07-23
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In: Buying a Home, Colorado, Home Loans, Home Mortgages, Lenders, Mortgage Information, Mortgage Rates
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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:
Realtors Golden Colorado – How to Find the Best
Golden Colorado Realtor

Buying a home is one of the most important decisions you'll make in your life. A stranger who is a Realtor in Golden Colorado will probably not be able to help you as much as someone in your community. They may not know the area like someone who lives and Read more

Why Local Boutique Real Estate Companies Rock: Why should you choose a local boutique real estate company over a national one?
Orson Hill Realty Luxury Agents

Choose a small local real estate company and not a national one. Just for starters money national companies make are put back into markets that don't help you. They charge franchise and hidden fees. The agent usually has a large split so they can't reduce your rates as much as Read more

Appeal of Evergreen, Colorado
Evergreen-CO-Colorado-1

Appeal of Evergreen, Colorado Evergreen Colorado Evergreen, Colorado, is not just another mountain town; it's a captivating blend of natural splendor, contemporary conveniences, and a vibrant community spirit. Situated in the foothills of the Rocky Mountains, Evergreen has emerged as a top choice for those seeking a balanced lifestyle. This Read more

Buying a home in Florida – A Guide to Florida Home Buying
Buying a home in Florida

But where do you start? There are so many different types of homes in Florida, so it can be difficult to pick just one. This guide will teach you everything you need to know about Florida real estate. From understanding the market and what you should look out for when Read more

Upsize or Downsizing in 2022

2022 is a Great Year To Upscale or Downsize Your Home

2022-02-12
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In: Affordable homes, Best Places to live in Colorado, Colorado, Denver Foothills, Denver Mountain Homes, Evergreen, Golden Colorado, Idaho Springs, Mortgage Information, Orson Hill Realty, Real Estate, Real Estate Agents
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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:
What Does Your Colorado Real Estate Agent Do?
Real Estate Agent

Your Colorado real estate agent does way more than you think. Not only do they market to you to get your business they also know the legal side of your contracts, negotiations, know they are, the issues your property may have or your home may have. Your real estate agent Read more

Buying a Condo on Marco Island
Marco Island Florida

Hello, my name is Dan Skelly, a seasoned Realtor at Platinum Real Estate. I am here to guide you through the process of buying a condo on Marco Island, a slice of paradise nestled on the Gulf Coast of Florida. With its stunning beaches, vibrant wildlife, and a plethora of Read more

Real Estate in Southwest Florida
Naples Florida

Southwest Florida is a region that has long been synonymous with paradise-like living, offering a blend of natural beauty, vibrant culture, and excellent investment opportunities in real estate. Whether you're looking to buy a home or invest in property, cities like Fort Myers, Marco Island, Naples, Cape Coral, and Sanibel Read more

Luxury homes for sale Sanibel Island
Dan-Skelly-Platinum-Real-Estate-Agent

Sanibel Island is a top vacation spot for a reason. Its white sand beaches, barrier islands, mangroves, lagoons and subtropical forests provide the perfect backdrop for exploring, relaxing, and exploring some more. The island has so much to offer that it’s no wonder it’s one of the top luxury real Read more

Home Mortgages

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

2021-08-25
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In: Buyers, Buying a Home, Home Loans, Mortgage Information
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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:
Luxury Real Estate Fort Myers Florida
Luxury Homes Fort Myers

Are you looking for luxury real estate? Fort Myers is a beautiful city for those interested in buying or selling. With the many gorgeous homes and neighborhoods, it’s a buyer’s market. The weather is beautiful year-round and the community is one of a kind. Whether you are looking to build Read more

Why Is Everyone Moving To Colorado?
Evergreen-CO-Elk-Evergreen-Lake (1)11

After a slowdown in 2015, Colorado has seen continued economic growth in the states over the past four years. In 2018, employment growth was 2.4%, a statistic that plays a major role in how many new people move to the state. In 2017, the Denver Business Journal ranked Colorado as Read more

Buying a Home in the Colorado Mountains
Denver-Mountain-Home

If you are contemplating purchasing a home in Colorado, there are several important factors that you should consider before making a decision. In this article, we will delve into the down payment, credit score, title insurance, and getting pre-approved for a mortgage. If you are uncertain where to start, we Read more

How To Find Homes For Sale When Inventory Is Low
Homes for sale

Finding a home for sale when inventory is low can be tough. It’s not just about the number of homes on the market, though. There are plenty of other factors that come into play to make it difficult to find what you’re looking for. Finding a great home in your Read more

Inflation and home prices

How Does Inflation Affect The Real Estate Market?

2021-07-14
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In: Inflation, Mortgage Information, Mortgage Rates
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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.

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Real Estate News:
Southwest Florida Best Towns to Live
Southwest Florida Home

Southwest Florida is a wonderful place to live, and there are many great towns to choose from. Of the many small towns in the region, here are some of the best ones you should consider living in: Cape Coral, Sanibel Island, Lehigh Acres, Sarasota, Fort Myers Beach, and Naples. These 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

Selling Your Home With Orson Hill Realty
smooth-transition-selling-your-home-dti

Selling Your Home With Orson Hill Realty - A Smooth Transition Selling your home should be a smooth and stress-free process, and Orson Hill Realty is here to make sure of that. With our team of experienced real estate agents, we will guide you through every step of the selling 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

Home loans and mortgages

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

2021-07-12
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In: FHA, Home Loans, Mortgage Information, Mortgage Rates
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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 to Know if You Qualify for a Home Mortgage: A Simple Guide
Home Mortgages

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 Read more

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

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.

Land-Survey-VS-ILC

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

2021-07-10
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In: Buyers, ILC, Mortgage Information, Selling Your Home, Title
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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:
When Should You Sell Your Home?

Deciding to sell your home is a significant life event that necessitates thorough planning and research. The timing of the sale can greatly affect both the speed at which the house sells and the profit you make. In this guide, we'll delve into the optimal times to sell your home, Read more

Luxury Home Builders in Colorado
Luxury home builders

Luxury Home Builders in Colorado: Is Building a Luxury Home the Best Option in 2021? When inventory is low people always turn to building their luxury homes. This may not be the right choice for everyone. Luxury home builders are seeing a slight uptick as they always do in seller Read more

Naples Florida Neighborhoods

If you're moving to the area and looking for the best places to stay in Naples, Florida, check out this neighborhood guide. Below we discuss the best areas in Naples, FL to help you find the best one for you. Your Naples real estate agent will help you find your 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

Student Debt

How Does Student Debt Impact You Buying a Home?

2021-06-30
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In: Buyers, Mortgage Information
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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:
Buying New Construction
New Construction

Are you in the market for a new house? If so, you may have been comparing your options when it comes to open listings on the local market. One decision you will need to consider: do you want to purchase an existing home or build a new one? Let's explore Read more

Tips for Finding the Best Real Estate Agent in Colorado
Real Estate Agent

It seems everyone knows at least 20 real estate agents. The question is do you know the BEST real estate agents in Colorado? Most likely not. That is why it is important to look hard when looking for the best realtors in your area. Your cousin's nephew just out of 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

Buying a Home When Interest Rates are Higher Than Before

When a bank greenlights your mortgage application, it will present you with its most favorable interest rate for the loan. This rate is essentially the cost you'll incur for borrowing the money. The rate you receive will depend on various factors such as your down payment, credit score, and the Read more