Category Archives: www.DenverRelocation.com

FHA is a Good Option

FHA insured mortgages serve a sector of the market that is not necessarily being met by other loan programs. Securing an 80% conventional mortgage that doesn’t require mortgage insurance may be the lowest cost of financing but if the buyer … Continue reading

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Lighting Conversion Plan

This is a great idea for Denver home owners….read on…. In 2007, Congress passed an energy act that required new energy-efficient standards for basic light bulbs. Standard incandescent bulbs are being phased out and eventually will be unavailable. The alternative … Continue reading

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Holiday Travels From Highlands Ranch

One of the first things I did when I moved to Highlands Ranch was to get a Neighborhood Watch started. Simply, it is neighbors looking out for each other. It works as one of our neighbors saw a bad guy, … Continue reading

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Denver – Cash-In Refinance

Would someone really refinance their Denver home and not take money out of it? Certainly, if they could get a lower rate, build equity faster and pay off the home sooner. For people with extra cash available, this can be … Continue reading

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Denver-Up-front Points to Lower the Rate

While there is an overall savings by paying up front “points” (now known as discount fees in Denver – “points” is so 1990) there is even more in tax savings. Over the past number of years the IRS has treated … Continue reading

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Debt Relief May Trigger Tax

The Mortgage Debt Forgiveness Act, originally passed in 2007, was extended three times to protect homeowners from paying income tax on debt that was relieved due to foreclosure, short sales or deed in lieu of foreclosure. The law expired on … Continue reading

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Indecision is Not a Decision

Wanting to buy a house in Denver takes some definite and strategic planning. First, make sure that you can get a loan. What do I need to get a loan? Typically, it takes about $60,000 gross income per year to … Continue reading

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Denver: Risk Rate Relationship?

Many years ago when I was just starting in real estate in Denver, I had clients who would shop interest rates and pick a lender based upon the rate quoted. More often than not, and in spite of my coaching, … Continue reading

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Denver: Pre-approval is Good for Everyone

“CASH IS KING” in Denver’s real estate market these days and our “word” that we can afford to buy the house just does not work anymore. The Seller wants to see that someone else, who has the ability to provide … Continue reading

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Denver Real Estate Play the Game

So many times I have seen folks get that glassy eyed look over a foreclosure or other “deal” in Denver real estate. Friends are especially happy to help you leave your money with them. It would be my pleasure to … Continue reading

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