It’s Your Advantage

Technology has certainly streamlined the home buying process and introduced things that help purchasers make better decisions. Buyers have enthusiastically embraced video tours, digital signatures and the enormous amount of information available about a home, neighborhood, schools and neighbors.

The ironic thing is that buyers are ignoring the one single thing that can help them secure the “right” home. Talking to a lender or using a financial calculator is not pre-approval. pre-approved-300.jpg

Pre-approval requires written verification on employment and income and ordering a credit report for the purpose of obtaining a mortgage. A mortgage credit score is different than what a person might see from credit reporting websites.

Pre-approval gives buyers the confidence to know the amount they can borrow which can result in bargaining power when dealing with a seller or competing against another offer. Transactions can close quicker once a buyer has been pre-approved.

If any issues are discovered in the initial process, the purchaser and lender will have more time to correct them compared to trying to get it done during the loan approval period as stated in the sales contract.

Most lenders best interest rates are only available to the best borrowers. You might get approved on a loan but at a higher rate than you expected which could make a significant difference in the monthly payments.

The “right” home without financing will never have the buyer’s address. Getting pre-approved with a trusted mortgage professional is one of the first steps in the buying process. It can definitely be an advantage that will benefit you in negotiations and ultimately, during the time you own the home.

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Early Burnout Could be Good

Most of us understand the expression “burning the candle at both ends” to mean working so hard that you burn yourself out. Normally, that wouldn’t be a good idea unless it is intentional.

If the candle is your mortgage and the strategy is to get it paid off early, being “burned out” would be a good thing. One end of the candle would be your regular mortgage payments and the other end would represent additional principal contributions.candle-250.jpg

Since the Great Recession, lenders have been reporting a higher than normal number of borrowers getting shorter term mortgages not only when they purchase the home originally but when they refinance them also. It seems like the mindset of America’s homeowner has shifted a little from the belief that they will always have a house payment.

The extra $100, $200 or $500 in your checking account isn’t earning interest. Additional principal contributions with your regular payments on a fixed rate mortgage will save interest, build equity and shorten the term of the mortgage.

Wealth management is about making financially wise choices. If having your home paid for by retirement age is one of your goals, making extra contributions regularly could get you there. Use this Equity Accelerator to see how it will affect your loan.

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Puncture in a snowstorm

As you may know i come from Scotland. This week in the middle of the “snowstorm” i found that our car had a puncture. So being the “man” i was tasked with heading to the repair shop, and yeah you guessed it the tire was unrepairable. So i used my experience in the auto repair trade from Scotland and headed to a car supply store and picked up a repair kit (which can be used at the side of the road) and a small compressor which i am pleased to say fixed the puncture and kept us moving without having to replace the tire. So sometimes it is definitely what you know that will save you the much needed dollars.

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First proper snow

20151111_063442This past Wednesday we had our first ‘proper’ snowfall of the season in Denver, having just relocated here from Edinburgh, Scotland. I am not used to getting snow this early in the season.

Both of our kids woke up so excited that there was snow actually lying on the ground, as the snow we are used to is wet, sticky and tends to melt as soon as it touches the ground or freezes (if the conditions are correct), which makes driving very treacherous. What i experienced here was how effective the plowing teams on the main routes are and the fact that everyone took responsibility for clearing their own driveways as well as their own section of sidewalk.

It is very refreshing for me to see such a community spirit here.

If you are relocating to Denver and are wondering, Like me about the weather as we only hear the worst stories, or for any other real estate needs you can contact us here

We look forward to serving you

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Denver Relocation: Here are some tips for a warmer, safer winter season

Denver certainly has its share of surprise weather systems, going from 80 during the day to the 30s at night.  I remember a day where we went from 50 degrees to 26 inches of snow in 24 hours! So a Denver Relocation can surprise you. These things will help you stay warm & cozy…. (here is a picture of a surprise winter event…pretty eh?)Surprise Denver winter event

Make sure there are no gaps in insulation or crawl spaces that expose pipes to cold air, which could put the pipes at risk of freezing and bursting. When a cold snap is expected and a sink, shower or tub is on a n exterior wall, open the cabinets.


I use petroleum jelly to keep my hands from cracking…try it…my doctor recommended it!
Have your heating system checked by a licensed technician before cold weather requires daily use. You will find a great list of providers at

Denver Realtor recommends dis-connecting hoses

Denver Hose Bib

TAKE THE HOSES OFF THE HOSE BIBS to prevent flooding the basement next spring!

I always carry a blanket & boots in the car.
Block drafts around doors, windows and baseboards with weather stripping, window film and caulk to control heat loss.
Install storm doors and windows to improve energy-efficiency and get rid of drafts.
If you burn wood have your chimneys cleaned by an experienced chimney sweep to prevent the risk of a fire from buildup or blockages. Again, is a great resource.
Realtors pay attention here: Spray door locks with powdered-graphite lubricant to prevent freezing and sticking. I carry this stuff in the car and use it in my lock boxes too.

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Denver Colorado weather equals Changing weather

From my son in law Stewart Renton:

Having moved from Scotland recently, I didn’t really appreciate what “Denver Colorado weather and a change in the weather meant”. Today I noticed that the temperature was at 40 when I woke up this morning, Now I’m used to a slight change in temperature and weather where it may rise 5-10 degrees centigrade, but today I experienced ‘sweater weather’ then by lunch time I was just way too warm.

Which brings me to the revelation I had today, if the temperature can swing 30-40 degrees Fahrenheit up the way it can surely swing the other way to, so I would ask you to make sure all of your outdoor hoses are drained of water, drain your sprinkler systems if you can and make sure you keep at least half a tank of gas in the car as well as making sure your tires can handle the change in temperature and be safe.

Check out Denver Relocation.

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Denver Freezes Are COMING!

Denver has a surprising climate. 80 during the day and 40’s at night. Shirtsleeves in the winter in the sun. Today it is cold and foggy. I love it here! Yet there are surprises we need to be aware of though, right?

Denver Realtor recommends dis-connecting hoses

Denver Hose Bib

1: Hoses on the faucet: This time of year it is a good idea to disconnect them so they do not freeze and flood the basement. Draining your hoses can make them last longer too.

3: Get your furnace filter changed and have the furnace cleaned & serviced. If they say you need a new furnace, get a 2nd opinion (for Denver referrals call me).
4. Water is great for the lawn but you should be able to reduce the usage by cutting back the time per zone and you may want to drain the system.
5. It is a great time to “winterize” the lawn with a fall feeding.
6. Get your snow equipment ready. If a snow blower, does it start? Shovels sometimes loose parts/screws.

Pete Doty has lived in “Denver” since 1978 and has been an active full time Realtor since 1985. Experience and focus on his clients and customers make him the choice for your next Denver Realtor. For more information about living in Denver see

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Pete Doty – REALTOR® | Pete Doty & Company, Inc. Metro Brokers, Littleton, CO

Littleton Realtor Pete Doty

Pete Doty has been a full time Realtor in Denver since 1985 and he now offices in Littleton. His business is primarily located in the south metro Denver suburbs and yet his land experience allows him to work small ranches & equestrian properties equally well. His experience in the Colorado Rockies riding trail in 1966 & 67 earned him some spurs from the lead wrangler.Littleton Realtor Pete Doty

He was awarded the Presidents Distinguished Service Award from the South Metro Denver Association of Realtors as well as a Community Service Award from Douglas County Sheriff Steve Zotos for his work on Neighborhood Watch in Highlands Ranch. He holds the GRI, CRS, and the CNE designations from the National Association of Realtors. 

Pete Doty – REALTOR® | Pete Doty & Company, Inc. Metro Brokers, Littleton, CO has received the following reviews through RealSatified. Please click the link below to see more

Source: Pete Doty – REALTOR® | Pete Doty & Company, Inc. Metro Brokers, Littleton, CO

For information on Denver’s real estate market, and the Colorado real estate process go to

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Should your next Denver Realtor be your BFF?

Friends in Business are different than BFFs! When you are buying or selling a home, you want some key attributes in your next Denver Realtor. Sure, you want someone who can be fun, but also a professional, but not always boring. Here are some things you should look for:

TRUST: Any inkling that this person is just telling you what you want to hear should cause you to run away. You need the confidence that what you say is confidential and, like a doctor, only used to help you.

EXPERIENCE: 30 plus years here in Denver can help you understanding the challenges you might face: aluminum wiring; an older roof; that trampoline; an estate; even a basement full of model trains. What do you do? Those are answers I can help you with.

REACHABLE: When you have a question, how quickly does he get back to you? Or does he answer his calls? I hate voice mail, so I would rather answer the call and, if I can, answer the question or get back to you with the answer. I appreciate that level of service too.

PERSONABLE: Do you feel comfortable talking to this person? Or do you feel rushed? You need to feel free to ask questions, and he needs to understand what you want to know, and why.

INTEGRITY: They either have it or they don’t. You want a Realtor who has it. GO to This Denver Realtors standards page

NEGOTIATING SAVVY: Sometimes a clue presents itself in the way the other guy breathes, or talks. I might even know them from past deals here in Denver. Either way, you want someone who can drill down and get to the important items for you and the buyer, to make sure the right deal is done.

BROKER OR ASSOCIATE: A broker runs his office & company and broker  associates work for him. So who do you want to work with? The boss or someone who has to “check with my broker?”

LOAN KNOWLEDGE: Who will buy your home? Conventional, FHA, VA? Can you do seller carry terms? Do you want to? This is all part of the buyer demographic that suggests who your buyer will be and that I can then target.

MARKET KNOWLEDGE: Does this person understand my neighborhood? What trends and prices are happening here? And the bigger picture? Today’s world of computers allows us to be able to give you a run down on all of the above quickly.

BUYER’S AGENT/SELLER’S AGENT: Both is better so look for someone who offers a perspective from both sides…like what do seller’s expect today in Denver? Or what can a buyer do to enhance an offer? If you see both sides regularly it can help answer the questions.

TURKEY DINNER: Can you imagine buying a home in Highlands Ranch or Denver with a friend or relative who blew it, and then listening to them tell everyone at the picnic or other gathering what a great job they did for you! It could change your circle of friends! (go back to the first item and review).

To learn more about Pete Doty, Denver Real Estate Broker, go to about Denver Realtor Pete Doty


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Highlands Ranch National Night Out

Tonight is National Night Out from 6:00 pm to 9:00 pm. Highlands Ranch neighbors should turn on your Porch lights and have a stoop party if the block party is not possible!

Highlands Ranch can be a part of celebrating Douglas County Sheriff’s Office service to the community by participating in this nation-wide event that will bring the citizens of Highlands Ranch together with law enforcement and emergency service providers to participate in a night of food, fun, and crime prevention!

The purpose of this event is to reduce property crime in our Highlands Ranch Neighborhoods through our neighbors getting out of their houses, turning on their porch lights, and getting to know each other in a social environment as well as local emergency service providers. This happens through neighborhoods hosting block parties or even impromptu stoop parties, which can be attended by deputies and employees from the sheriff’s office, fire personnel from local fire stations, and other special guests.

Even though the night is fun filled, remember to be safe and practice good crime prevention by closing their garage doors, locking doors, and turning on their porch lights. In Highlands Ranch we can only watch out for each other if we know each other. It is time to reach out and say “HI”.

Check out Denver Relocation.

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