Veteran’s Home Loans for Eckert ColoradoIf you are reading this, you or a family member have likely served in our military.  First off, we would like to say a sincere “Thank You” for your service!  We recognize that not only do our Veterans sacrifice by serving, but their families do as well-, and we owe you all a debt of gratitude!One of the best benefits Veterans and their families receive due to their service to our great country is the VA home loan benefits.  We are going to outline just a few of these significant benefits in this article for you. Here are some of the major benefits you may receive by using your VA home loan benefits:*100% financing available- one of the very few loans available with no down payment!*Lower rates available than most loan programs- which saves you mon... 05/04/2021

Veteran’s Home Loans for Bowie ColoradoIf you are reading this, you or a family member have likely served in our military.  First off, we would like to say a sincere “Thank You” for your service!  We recognize that not only do our Veterans sacrifice by serving, but their families do as well-, and we owe you all a debt of gratitude!One of the best benefits Veterans and their families receive due to their service to our great country is the VA home loan benefits.  We are going to outline just a few of these significant benefits in this article for you. Here are some of the major benefits you may receive by using your VA home loan benefits:*100% financing available- one of the very few loans available with no down payment!*Lower rates available than most loan programs- which saves you mone... 05/04/2021

Price $245,000https://buff.ly/2Q87a501956 rural ranch house with newer added bedroom and bath. Vinyl windows, gutter leaf guards, roof and siding were added at time of addition - approximately 16 years ago. House needs some TLC - carpet has been removed and utility room floor needs replacing. Newer laminate in dining / living rooms. Great original storage in bathroom and front bedroom. House has natural gas forced heat and central air. Range and dryer are gas, other appliances are electric... https://buff.ly/2LTqOB5 10/07/2019

The benefits of a preapproval (not prequalification) for Home Loans in Crawford Colorado. Many consumers are not informed on the proper way for buying a home. No question, this is a big decision, and one that can be either immensely stressful- or immensely enjoyable- depending on how you go about the home buying process of Home Loans in Crawford Colorado and the surrounding areas. The key is to take the proper steps to educate yourself on your buying power, initial investment, and taking some time to think about your lifestyle choices. This article will cover all of these.   Education   The steps necessary to purchasing a home in Crawford, Colorado starts with getting pre-approved for your home loan. Notice we did not say get prequalified- in today’s world a prequalification is not mean... 09/27/2019

The benefits of a preapproval (not prequalification) for Delta Colorado Home Loans. Many consumers are not informed on the proper way for buying a home. No question, this is a big decision, and one that can be either immensely stressful- or immensely enjoyable- depending on how you go about the home buying process of Delta Colorado Home Loans and the surrounding areas. The key is to take the proper steps to educate yourself on your buying power, initial investment, and taking some time to think about your lifestyle choices. This article will cover all of these.   Education   The steps necessary to purchasing a home in Delta, Colorado starts with getting pre-approved for your home loan. Notice we did not say get prequalified- in today’s world a prequalification is not meaningful. You sho... 09/24/2019

Veterans now have access to a new VA renovation loan to refurbish or remodel their homes.  This loan program is available for new home purchases as well as for remodeling homes currently owned by the veteran.  It is estimated that over 50% of homes nationally are 40 years or older, and in the current housing market many homes are in need of updating, addressing deferred maintenance, or improving the energy efficiency of homes to lower utility costs.VA loan benefits include the following unique advantages:  a.  up to 100% financing, b.  no mortgage insurance, c.  up to $ 35,000 in renovation funds escrowed, d.  all renovations must be completed within 60 days of closing, e.  you can close on a purchase or refinance in the “as is” condition, f. you can borrow against the future value of t... 09/17/2019

The benefits of a preapproval (not prequalification) for Home Loans in Crawford Colorado. Many consumers are not informed on the proper way for buying a home. No question, this is a big decision, and one that can be either immensely stressful- or immensely enjoyable- depending on how you go about the home buying process of Home Loans in Crawford Colorado and the surrounding areas. The key is to take the proper steps to educate yourself on your buying power, initial investment, and taking some time to think about your lifestyle choices. This article will cover all of these.   Education   The steps necessary to purchasing a home in Crawford, Colorado starts with getting pre-approved for your home loan. Notice we did not say get prequalified- in today’s world a prequalification is not mean... 09/13/2019

Special Government Home Renovation Loan Program using Maher CO FHA 203k Renovation Loans.Many people are not aware of a special government loan program that is part of the Federal Housing Administration or FHA (a department within HUD). A buyer or existing home owner can do meaningful amounts of remodeling or updates to their existing home without having a higher cost second lien thanks to this special FHA loan program.However, this loan program doesn't allow for "luxury items" in your home such as a swimming pool, hot tub, or other accessories. Although, you can repaint, replace flooring and appliances, add a room to an existing structure (which can add to value tremendously as you increase the square feet of your home) as well as remodel cabinetry in kitchens and bathrooms.This loan p... 08/29/2019

Veterans now have access to a new VA renovation loan to refurbish or remodel their homes.  This loan program is available for new home purchases as well as for remodeling homes currently owned by the veteran.  It is estimated that over 50% of homes nationally are 40 years or older, and in the current housing market many homes are in need of updating, addressing deferred maintenance, or improving the energy efficiency of homes to lower utility costs.VA loan benefits include the following unique advantages:  a.  up to 100% financing, b.  no mortgage insurance, c.  up to $ 35,000 in renovation funds escrowed, d.  all renovations must be completed within 60 days of closing, e.  you can close on a purchase or refinance in the “as is” condition, f. you can borrow against the future value of t... 08/28/2019

Special Government Home Renovation Loan Program using FHA 203 Rehab Loans in Crawford CO.Many people are not aware of a special government loan program that is part of the Federal Housing Administration or FHA(a department within HUD). A buyer or existing home owner can do meaningful amounts of remodeling or updates to their existing home without having a higher cost second lien thanks to this special FHA loan program.However, this loan program doesn't allow for "luxury items" in your home such as a swimming pool, hot tub, or other accessories. Although, you can repaint, replace flooring and appliances, add a room to an existing structure (which can add to value tremendously as you increase the square feet of your home) as well as remodel cabinetry in kitchens and bathrooms.This loan pr... 08/21/2019

I've always touted Active Rain as being a great way to have a large referral network right at your fingertips. Over the last several years, I've done many referrals using AR members. My most recent referral was with Hella Mitschke Rothwell. My client had a property that was part of an estate that needed to get on the market. I called Hella, and she got on it right away. My client wanted instant contact, and Hella provided that. Throughout the transaction Hella and I stayed in touch. I know she worked really hard on this one as I'm know she does on all of her 'deals'. But there were a lot of obstacles that needed to be worked through on this particular sale. Hella got the job done. She admits to learning a lot on this transaction. My client is very happy, and has told me that she wouldn'... 02/08/2018

For those readers that don't know, MLS stands for multiple listing service. Click on the link for more information. The MLS is the place that all agents go when they do a property search for a client. This is our number one tool for property information. It's very important for your agent to make a good MLS presentation. I work really hard for my sellers. I spend a lot of time talking with them to see what home features they feel are important, and of course as an agent, I have my own idea of what features need to be marketed to get the house sold. Sometimes you just have to trust your agent on this one. Regardless you want to make sure the MLS listing has an accurate and good description of your home that will help get it sold. The description is one of the things you want to check wit... 02/06/2018

The simple answer is yes, but read on for more information. Those restrictions might be what keeps your neighbor from using pallets as fencing, or from having several non running vehicles in the front yard. I recently had a discussion about covenants and HOAs with some out of state buyers. They didn't want a neighborhood with covenants or an HOA. I get that. Some people don't want to be told what they can do with their property. In my rural area of Colorado you can have covenants, but no HOA, and an HOA, but no covenants. Often times the covenants, or HOA, are in place for some very simple reasons that will actually benefit the homeowners. Two common reasons are irrigation water and/or road maintenance. Even neighborhoods in the middle of a town can have an HOA, or covenants, solely to ... 02/05/2018

This house didn't stay on the market too long. The seller was motivated, and it was priced to sell. Debbie Laity, Broker Associate, with Cedaredge Land Company was the listing agent. Selling Price: $405,000It has a great location that is close to town...even though the house is on 23 acres. It's in the popular Brookdale Subdivision with no covenants and no HOA. The house is over 1700 square feet and needs some updating. The shop is larger than the house and was certainly a factor in getting this property sold so quickly. The Grand Mesa and San Juan Mountain Views are amazing. The back deck was made just so you could sit there and take in the mesa views. While this one is now gone...we have more. Whether you are looking for a larger or smaller acreage parcel, or a larger or smaller house... 02/04/2018

As a resident of Delta County, CO you have already received your property tax bill for your 2017 taxes. Remember in Delta County you pay your property taxes in arrears. What that means is that you pay your 2017 property taxes in 2018. In Colorado there is a two year reassessment cycle. Most properties have already been assessed and according to the tax assessor most property values shouldn't go up over the course of 2018. If your valuation does change, the assessor will notify you by May 1st of this year. If you want to appeal your assessment you need to mail the assessor no later than June 1, 2018...that's the day the letter needs to be postmarked. You have two options for paying your property taxes. The full amount is due to the county treasurer by April, 30th. Or you can pay in two e... 01/31/2018

I still chuckle when I think of the two different occasions when buyers expected me to find a house by the color. This happened to me several years ago and just recently. Unfortunately our MLS doesn't filter search criteria by house color. With only the house color for information, it's a bit like looking for a needle in a haystack. Can you narrow down where you saw the house and anything else about it that would make it easier for me to find? That was my response. Of course I used price range to help in finding the correct house. Several years ago I was able to do that. Recently I wasn't able to find the house. I have a great search tool for buyers. Just call me and I can get you signed up. You have to trust me on this. After all this is my business, and I'm here to help you find that ... 01/30/2018

I know 2017 was a busy year for those in real estate. I was busy and so far this year is starting off well, too. So just how good was the last year's real estate market? Let's take a look at the statistics. Overall sales were up in the total dollar volume and sales numbers. The total number of sales increased 17% over 2016. Total sales throughout Delta County:1073 in 2017914 in 2016These numbers includes all segments of the market...farm/ranch, land, mountain property, residential and commercial. Dollar volume:$195 million in 2017$172 million in 2016That's a 13% increase.Last year there were 13 sales over $1 million. The largest sale was a ranch property in Eckert, CO at $4.8 million. In 2016 there were 10 sales over $1 million dollars. The high end sales made up $29 million of the tota... 01/29/2018

Well those are just two of the reasons I haven't been on AR in many many months. I was also distracted by a wonderful summer where I spent most of my time at Confluence Lake. Lucky the Wonder Dog enjoys swimming, and I worked on my paddle boarding skills. I bought a paddle board before the summer really set in. I'm not too bad at it, either. Improvements on the house have been slow, but the project is moving along. I'm living in the house, too. This is the first house I've ever bought on my own. People in town make a point of telling me how much better the place already looks...a little cleanup goes a long way, and I appreciate the encouragement from others. I had a busy year with clients and sold some higher end properties. I also sent out a referral to AR member Hella Rothwell. That w... 01/27/2018

This neighborhood sits between Delta and Cedaredge. It has wonderful buyer appeal. That's due to the nice mountain views and the well made ranch style homes. We don't typically see a lot of turnover in this neighborhood, because it's a place that people love to call home. The location makes it easy to commute to Delta or Cedaredge. Last month there weren't any homes on the market in the Del Ray neighborhood. A new listing came on the market and is already under contract. The house is listed at $239,900.  So far this year no homes have sold. Last year three homes sold with an average sales price of $209,000. The median sales price was $210,000.  This neighborhood has seen prices really go up in the last two years. It could very well be on track to see home prices go up again this year. T... 03/09/2017

While you won't see a lot of townhomes and condominiums on the market in and around the Cedaredge area, there are some options out there. This type of housing has never caught on around here, and not a lot of condos or townhomes were built. The highest concentration of townhomes is on the Cedaredge golf course. These are newer units near the clubhouse.  Right now there is one townhome on the market. It's on the northwest side of Cedaredge and priced at $85,000. So far this year one townhome sold. It was a golf course unit and it sold for $180,000. Last month's real estate market report on condominiums and townhomes for sale around Cedaredge. The picture shows an overview of Cedaredge. This is looking down from Cedar Mesa.Unless you are absolutely set on buying a condominium or townhome,... 03/08/2017