Frugal Tips for Making a Home More Appealing
Homeowners who want to sell but don't have a lot of cash to spruce up their properties might consider these tips from Bankrate.com for upgrading a property without spending a fortune.
Polish up the kitchen. Add new cabinet door handles, replace lighting and update the faucet set. Unless the cabinets are mica, give them a fresh coat of paint. Order new doors for kitchen appliances.
Tidy up the bath. Replace the toilet seat. Clean up the floor with vinyl tiles or sheet vinyl applied over the old floor. Re-grout the tub and, if the tub is dingy, add a new prefabricated tub and shower surround.
Paint the walls.
Add closet systems to all the bedrooms, pantry, and entry closets.
Hire a plumber and an electrician to fix anything that is loose or that leaks.
Clean the carpets or, if they are worn, cover them with area rugs.
Replace ceiling lights with inexpensive but attractive fixtures.
Refinish or repaint the front door and replace the hardware.
Mow the lawn, edge the sidewalks, mulch all the beds and put two big planters at either side of the front door.
The following article explains why Boulder is heathy. Boulder is a city "wired for biking"
http://www.denverpost.com/ci_15554736
Mortgage Rates Fall to 4.59%, Enough To Move Demand - Finally. Record low mortgage rates spurred an uptick in new-purchase mortgage applications last week for just the second time in the past two months, while more Americans also applied to refinance, according to the Mortgage Bankers Association. Rates fell last week to 4.59% on an average 30-year fixed-rate mortgage, which is down from 4.69% one week ago and the lowest ever recorded by the trade group since its survey began in 1972. Other measures show that rates continued to fall this week: Zillow's Mortgage Marketplace quoted an average of 4.37% on Tuesday. Read full article:
http://blogs.wsj.com/developments/2010/07/21/mortgage-rates-fall-to-459-enough-to-move-demand/
New Town Builders unveils green, affordable Stapleton homes - This week, New Town Builders unveiled Park Row Home models. These energy efficient new homes are priced from $141,800 to $235,900. Standard, sustainable features include 2×6 outer wall studs, blown-in, R-20 cellulose insulation and sealant applied to drywall and framing components at window and door openings. All New Town Builders homes come with the seal of approval from Energy Star, and all homes include The Energy Detective® system that monitors and tracks real-time usage of electrical energy and the associated costs, allowing residents to manage their energy expenses. The 1st phase is already sold out. Read full article:
http://insiderealestatenews.com/2010/07/new-town-builders-unveils-green-affordable-stapleton-homes/
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Whether buying or selling we have offered our expertise since 1979. Serving Denver, Aurora, Highlands Ranch, Parker, Centennial, Littleton, Lakewood, Arvada, Wheat Ridge, Northglenn, Thornton
Designations: Certified Residential Specialists - (CRS), Master of Real Estate - (MRE), Graduate of the Real Estate Institute (GRI) and a member of Women's Council of Realtors (WCR), Accredited Buyers Representative (ABR), Certified Negotiations Expert (CNE), Short Sale Forclosure Resource (SFR) and Certified Home Stager Specialists (CHSS)
Served as a board of director for the Aurora Association of Realtors for 3 years and for the Women's Council of Realtors.
Voted Realtor of the Year for 2008
Voted Entrepreneur of the Year for 2009
Currently serving as State Treasurer for the Women's Council of Realtors
Member of National Association of Realtors, Colorado Association of Realtors and Aurora Association of Realtors.
Voted Realtor of the Year by the Women's Council of Realtors, Voted Entrepreneur of the Year from Women's Council of Realtors,Instructor of Real Estate Classes for the City of Aurora and currently serving on the Professional Standards Committee.
Elected as State Treasurer for Women's Council of Realtors 2011
Real Estate is our lifestyle. We work on your time schedule to make sure you get what you need from our services. We work with HUD homes, bank owned homes and short sales. Listings are also very important to us and we strive to obtain the highest possible price within the market range for you. We help you determine the price for your home based on what is currently available and what has sold in the past 4 months.
If this is your first time buying a home here are some things to think about:
Why you should not make any Major Credit Purchases until after you close on your new home:
1. It will change you debt to income ratios and take you out of the market.
2. The lender will run a new credit report minutes before closing to make sure everything is still the same on your original report.
3. Your debt to income ratios have percentages you must stay within.
for FHA loans it's under 50%, for VA loans it's 41% and for Conventional loans
at this writing the percent to say within in is 36%
Don't go on a spending spree using credit if you are thinking about buying a home, or in the process of buying a new home. Your mortgage pre-approval is subject to a final evaluation of your financial situation.
Every $100 you pay per month on a credit payment could cost you about $10,000 in home eligibility. For example, a car payment of $300/month could mean that you qualify for $30,000 less in a mortgage.
Even if you have accumulated enough savings, you should consider not making any large purchases until after closing. The last thing you want is to know that you could have purchased a new home had you curbed the urge to spend.
We are laid back with no pressure. Not our style. Our job is to find the right fit for you in your new home. A home that you will love and with payments you can afford.
We have a large team that includs inspectors, lenders, plumbers, elctricians and so on. If you ever need a referral for a good workman just call us anytime.
We have gotten the most pleasure out of helping the first time buyer realize they can own a home in a short period of time. And eventually moving up to owning their dream home! .
Not sure where you want to live? We work throughout the Denver Metro area that include rural and outlying cities to help you find just the right home for your family. Our referrals confirm our effectiveness.
As a team we have a wealth of experience and education. We have been selling Real Estate in the Denver Metro area for a combined 43 years. You will get the benefit of our knowledge and judgement.
Dear Chris and Patty
We cannot begin to say thanks enough for all you did to get us into this house. We are enjoying every minute of being here. Thank you for the beautiful wind chimes. They sound so pretty on our back porch.
Kim and Troy Aurora, Co
Just wanted to say "thanks" for all your help with the purchase of our home. We love it and we love you
Armando and Cindy Thornton, Co
Thank you Patty so much for taking the extra effort to make our first home purchase successful. You were there guiding us through all the crucial and important steps!
The McGinnis Family, Aurora, Colorado
Patty, Thanks for all your help in making our "dream home" a reality. You are truly a professional.
Gary & Diane, Aurora, Colorado
When we first thought about purchasing a home, friends and family recommended Chris and Patty Clark because of their excellent experiences with them. As a first time home buyer, Mike appreciated Chris and Patty's gentle teaching and tireless explanations. When we began working with Chris and Patty, we were impressed by how responsive they were to our needs and desires for the type of home, the area, the price and the timing of purchasing a home. Chris and Patty were available at our convenience and never hesitated to answer our questions. Chris and Patty returned phone calls and e-mails in a timely manner and were extremely knowledgeable throughout the entire process. We credit Chris and Patty's patience and hard work for our success in obtaining the right home for us.
Mike and Elizabeth Donald
Wow. Patty, thank you for holding tuff with us. The Doug-n-Eva show sure had its ups and downs. Your professionalism and patience did not go unnoticed. Thanks so much and have a wonderful year.
Best wishes, Eva
Doug and Eva Morales
Thank you for not throwing in the towel. God Bless you Patty,
Love, Judy Huff
Patty, Thanks for your seasoned and efficient professionalism in selling Adam's house. See you and Chris on the dance floor.
Deb Acree, Golden, Co
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