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Buying or Renting – Which is Right for You?
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Buying or Renting – Which is Right for You?

In Denver Real Estate, Market News, Moving | on September, 05, 2014 | by

Many people make the mistake of solely focusing on the financial implications when leaving their old home and making a choice between purchasing a property or renting one. However, as we are going to discuss during the course of this article, there’s so much more to making a choice between buying Colorado real estate or renting your new home. If you want to have any chance of making the “right decision” you need to look at both options from a number of different perspectives and carefully assess the impacts that buying or renting would have on your life. Life is about more than just plain old money; you have to take your personality and preferences into account too.

Factors to Consider When Deciding Whether to Buy or Rent Real Estate

buy or rent in ColoradoAs an experienced real estate agent in Denver, we’ve worked with hundreds of clients over the years and we can’t ... Read More

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Does Downsizing Make Sense for You

In Denver Real Estate, Moving | on April, 10, 2014 | by

The kids have all “flown the nest,” you’re now retired and you don’t have as much energy as you once did. Your home feels like a mansion; it takes ages for you to get around, even longer to clean and there’s numerous rooms that you barely enter any more. This is a sensation that many older citizens experience and it brings up a fairly controversial question; should I sell my home in Denver and buy something smaller? This is referred to as “downsizing” and while some people are great believers in doing this, there are others that are fiercely against it. If this is something that you’ve been thinking about a lot recently, then this article might be of interest to you since we’re going to take a look at the main pros and cons of downsizing.

The Truth About Downsizing By a Leading Real Estate Agent in Denver

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Getting a Mortgage if You’re Self Employed – A Few Tips

In Denver Real Estate, Mortgage Rates | on April, 05, 2014 | by

Self Employed - I'm the Boss!With the reduction in the number of employment opportunities that followed the financial meltdown that we are all so very familiar with, thousands of people throughout Colorado State decided to take matters into their own hands and carved out employment opportunities of their own by becoming self-employed. While taking this employment route has proved to be beneficial for many people, it can make it harder to either refinance an existing mortgage or obtain a new one, since the lack of a regular, fixed income makes this group a riskier investment for financial lenders. However, if you are self-employed and looking to work with a real estate agent in Denver on a home purchase, that doesn’t mean to say you won’t be able to get a mortgage; it just means you’ll most probably have to make more of an effort.

I’m Self Employed: How Can I Get Approved for 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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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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The Top Mistakes to Avoid When Selling a Home

In Denver Real Estate, Moving | on August, 24, 2012 | by

A Denver Real Estate Agent  does much more than just list houses for sale, or help buyers find their dream homes. Part of the relationship between client and agent is educational, helping make buyers and sellers aware of laws, regulations, and market conditions that could play a factor in what they’re trying to accomplish.
A real estate license denver gives buyers and sellers a measure of confidence in knowing the agent they’ve selected is highly trained and experienced. This expertise helps the realtor educate the client on mistakes to avoid when selling a home.

  • I will never allow a client to price a home incorrectly. Part of this process is market research, and not allowing a customer to get caught up in emotions. Just because a friend down the street installed a new kitchen and recouped the full amount when her house sold doesn’t mean you will too. Remember
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