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The Top 10 Ways to Boost your Credit Score and Score a Mortgage
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The Top 10 Ways to Boost your Credit Score and Score a Mortgage

In Denver Real Estate, Mortgage Rates | on October, 03, 2012 | by

In today’s volatile economy, with banks ever tightening their requirements for consumer loans, credit score and income are the two biggest factors in determining whether you can land a mortgage for your Denver realty dream home.

10 ways to boost your credit score

  1. A Real Estate Agent Denver always advises clients to review their credit report for mistakes, and dispute them. Get your report from annualcreditreport.com, review it for errors, and work to correct them.
  2. Ask about increasing your credit limit is another piece of advice from a Denver Real Estate Agent. If you have good credit begin with, you may be able to raise your score by getting your credit card company to boost your line of credit.
  3. Don’t close accounts. Accounts with positive standing that you’ve had for years work in your favor, so don’t close them. Use them for small purchases each month, and pay off the
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Save on Energy Costs This Winter With These Tips

In Denver Real Estate, Home Improvement | on September, 25, 2012 | by

As with other parts of the country during the fall and winter, Colorado Real Estate can be expensive due to energy costs associated with heating and more efficient doors and windows to keep cool out and warm air in. Follow these helpful tips from your Realtor in Denver to save on energy costs during the winter.

Free heat from the sun

A Real Estate Agent in Denver can offer many tips on using natural heat from the sun to your advantage:

  • If you have windows that face the south, open curtains during the day to allow sunlight in, naturally heating your home, and closing them at night to reduce any chill you may feel from cold windows.

Make windows less drafty

  • Here’s another tip we recommend: Use a clear plastic heavy-duty, sheet on a frame, or tape clear plastic film inside window frames during winter months. You further reduce air
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The Most Popular Tax Deductions For Homeowners

In Denver Real Estate | on September, 17, 2012 | by

Homeowners like to save money. Whether it’s a decision to refinance, add energy efficient windows or heating or cooling system, there are many ways to unlock “secret” value in your home. But the best way a Real Estate Agent Denver would advise you of is annual tax deductions.
Here are the top tax deductions to be aware of.

  • Refinancing expenses for your Colorado Real Estate. If you refinanced and paid points or a fee based on the loan amount, you may qualify for a deduction. But unlike points paid on a new mortgage, those paid on a refinance are written off over the life of the loan. Each point generally equals one percent of the loan value.
  • A Realtor in Denver also knows about foreclosures and mortgage workouts. If a lender forgives a debt, that amount is normally considered taxable income, but a 2007 tax law allows homeowners to exclude
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How To Avoid Home Improvement Scams

In Denver Real Estate | on September, 14, 2012 | by

home improvement scamsAccording to some estimates, up to 100,000 people are victimized each Spring and Summer by fraudulent contractors known as “travelers” or “storm chasers” – hucksters who travel to mostly storm ravaged areas in the Midwest or South offering their services on the cheap. They most often prey on the elderly or families whose homes have been severely damaged with promises of “great deals” on house painting, window replacement, or other projects. A Real Estate Agent in Denver can help you avoid being the next victim.

Here are several tips that can help you avoid becoming the latest victim.

  • Use your “Spider Sense” – or, if that fails, just be cautious. If someone shows up at your door offering to do work on the spot, offer to take their business card and call if a need arises. According to any Realtor in Denver, signs of trouble include a vehicle with out
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Steps To Buying a Home

In Denver Real Estate, Mortgage Rates | on September, 10, 2012 | by

Every city and state has different requirements for borrowers wishing to buy a home, and Colorado is no different. For any Realtor in Denver, helping someone buy a home encompasses more than just touring homes and learning about the community. There’s a broader educational component at play. HomeSmart Realty likes to help consumers understand the steps to buying a home in Colorado.

Follow these steps when buying a home in Colorado

  1. Enroll in a homebuyer education course. This is a mandatory requirement of the Colorado Housing and Finance Authority which stipulates that anyone who wants to buy a house in the state has to take this course first. Homebuyers will learn how to select a Real Estate Agent in Denver, CO, how to finance a home, select a mortgage, and understand mortgages. The courses are available online.
  2. A Real Estate Agent in Denver can help buyers choose a lender.
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About Colorado

In Denver Real Estate | on September, 07, 2012 | by

Aspen, Colorado Real Estate

Any Real Estate Agent in Denver should be able to tell you about the history and features of this great state. The state of Colorado was admitted to the Union in 1876 by President Ulysses S. Grant and is nicknamed the “Centennial State” because it became a state during the centennial year of the United States Declaration of Independence.

Located in the heart of the American Southwest, Real Estate in Colorado meets at a famous junction on a map of the U.S. known as “The Four Corners” – a place where Colorado, New Mexico, Arizona, and Utah meet in a common point. Homes for sale in Denver offer access to the amazing Rocky Mountains, the red tinged Colorado River cutting its way through the earth, archeological digs of dinosaur graveyards and the earliest settlements of Native American Indians, and cultural attractions like museums and the Red Rocks Amphitheatre – a ... Read More

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