Looking for a home.
Be realistic. It’s OK to be picky, but don’t be unrealistic with your expectations. There’s no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property. Get [...]
Buying tips
Buying a home, especially for the first time, is a big financial commitment. It might be a bit stressful but it also yields big benefits. Owning a home is a whole different feeling and status [...]
Managing finances
Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will [...]
Contracts
Real Estate Commission Approved Contracts and Forms. In the attached document are the legal forms that I use for various real estate transactions. From a real estate broker standpoint, use of these forms [...]
Loans and Mortgages
Below are local mortgage companies I recommend for service. Canon National Bank Home Mortgage Center. Contact Laurie, Nery, or Carolyn. Sunflower Bank - Contact Peggy Dunn locally for assistance. Legacy Bank - Contact Laurie Cornella locally for [...]
Home Owners Insurance
Exclusions to coverage. For example, most insurance policies do not cover flood damage as a standard item. Those types of coverage are generally bought separately. Dollar limitations on claims. Even if you are covered for [...]
Credit Scores
Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: Your payment history. Did you pay your credit card obligations on time? [...]
Avoiding Buying Mistakes
Using an inexperienced real estate agent who is a friend of a friend, a relative, or someone at their own place of business. There are generally between 150 and 200 real estate agents in our [...]
Buying a home: Online Sources
These are some of the better online sites I've found when looking for a home. JoAnn State of Colorado - Department of Local Affairs Puzzle of Homeownership Information for Homebuyers and Homeowners Colorado Housing [...]
Why use a Realtor
Why You Should Work With a REALTOR: The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its Code [...]