Nicholas Goraczkowski - Your Mortgage Resource (720) 83-RATES

PURCHASE A HOME WITH NO MONEY DOWN

So you are ready to buy a home but with this economy, who has the huge down payment? Most lenders that you speak with will tell you with no money down, they can't get you a loan. NOT TRUE!!!

I am very happy to tell you about the Economic Development programs that are now available. As a direct lender, I have access to this exclusive Government sponsored program. It will allow you to purchase a home without putting any money down!

Wait, it gets better.....

The credit underwriting guidelines have been relaxed as well. This means if you were not able to purchase a home before due to credit, we might be able to help you now. Just change jobs? That used to be a problem. Now with the economic development program, we can work with that as well.

What is the Economic Development Program?

This program was put in place to help regular people purchase a home. It helps everyone when more people own their own homes. This program is designed just for that. It is only available through certain lenders because it is a very closely regulated program. More and more folks are now able to qualify for this great option.

Can it help you to purchase a home with no money down? Please contact me today to find out what options there might be for your situation - Happy House Hunting!!!

Ready to be frightened?

Here is a list of local haunted houses in Denver and the surrounding areas. We even have haunted houses in Colorado Springs!

So have a fun and safe Halloween.

Be sure to visit our Local Pumpkin Farm and Corn Mazes list for a list of great family fun.

Area Haunted Houses:

13th Floor:

6100 E. 39th Ave Denver CO 80207

303-355-FEAR (3327)

Asylum Haunted House:

11425 Community Center Drive, Northglenn, CO 80233

303-355-FEAR (3327)

Frightmare:

108th and Old Wadsworth, Westminster, CO

303-439-7391

Haunted Field of Screams:

SE corner of 104th and Riverdale Road, Thornton, CO

303-913-5947

Primitive Fear:

5155 E. 64th Avenue, Commerce City, CO

Spider Mansion:

Heritage Square, 18301 W. Colfax Ave, Golden, CO

303-279-4646

Thirteenth Street Manor:

5155 E. 64th Avenue, Commerce City, CO

303-814-0411

Buckskin Joe's Town of Terror:

1193 Fremont County Rd 3A, Canon City, CO 81212

Crypts Garden:

9849 Isabelle Rd, Lafayette, CO 80026

Destination Terror and Nightmare Experiment:

215 E. Foothills Pkwy, Fort Collins, CO 80525

Field of Corpses:

64th and Ward Road, 13251 W. 64th Ave, Arvada, CO 80004

303-423-FEAR

Fright Fest:

Elitch Gardens

303-595-4386

Haunted Forest Parker:

45250 Co Rd 01, Parker, CO 80138

303-847-8605

Haunted Hills of Elizabeth

Haunted Mines:

I-25 Exit 156A, Gleneagle/North Gate Exit, Colorado Springs, CO

House of Fear:

18425 Pony Express Dr., Parker, CO 80134

720-381-0407

Nocturnal Nightmares:

320 Walnut, Fort Collins, CO 80524

Twisted Fairy Tales:

5433 W 88th Ave., Westminister, CO 80031

720-224-7113

If you have been wanting to learn more about credit, then this is the day. It is annual Get Smart About Credit Day.

Originally put together to teach young adults and teenagers about getting credit and being responsible with it. This day has turned into a day that is used by banks and employers along with schools.

It is a fact that most Americans can't go through life without some type of credit. We need it for a place to live; a car to drive; to pay for airline tickets and in some cases even to pay for food. So, it is important that we use our credit wisely.

The banks and lenders are all tightening up the restrictions on obtaining new credit. So, it is now more important than ever to know where you stand. If you need to know what your current credit scores look like, you can check with the major credit bureaus.

Get Smart About Credit Day is a great day to focus on:

• Teaching your clients about how a credit works.
• How a credit score is calculated.
• The credit do's and don'ts

Get Smart About Credit Day is sponsored by the American Banker's Association. If you would like to request a Get Smart About Credit Day kit, you can visit the ABA site.

National Bring Your Teddy Bear To Work and School Day

Remember when you had a bad day and the only thing that would make you happy was your teddy bear?

Well, now Teddy has his own appreciation day. Today is National Bring Your Teddy Bear To Work Day.

On a day like today (foggy and gloomy in Denver), a little comfort can go a long way.

Your bear is your companion that you can talk to. They will never judge you and your day will feel a bit more secure.

It's been years since I had a teddy bear, but looking at my daughter and her "Beary" - it makes me feel better already.

So, here's to teddy bears and all of the smiles and happiness that they bring!

Cheers!

Whatever you do, don't look at this link. It has a list of banned books!

Welcome to banned books week. This week was established in 1982 to show support for our First Amendment and the freedom to read. Banned Books Week shows the benefits of open access to information while at the same time, it draws attention to the harms of censorship by spotlighting actual or attempted bannings of books across the United States.

Many books have been targets to get banned, but the hard work of our teachers, booksellers and librarians have kept the information available.

Banned Book week is a great opportunity to show one of the great freedoms that we have in this country.

So, pick up a good book and celebrate. Be thankful for those that put up the quiet fight for your First Amendment.