Rob Kittle

With winter upon us, are you spending more time inside right now? Here are some projects to fill the time and spruce up your home:

• Clean and organize cabinets, closets and shelves
• Clean all the light fixtures and ceiling fans
• Remove excessive wall hangings and knick-knacks
• Repair all plumbing leaks, including faucets
• Clean or paint the walls
• Replace worn cabinet and door knobs
• Replace broken tiles
• Re-grout your tub and shower tile

You will feel better about your improvements and that deferred maintenance on your home will make it shine when you are ready to sell! For all your Real Estate needs call The Kittle Team at 970-690-4920 today!

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Selling a home sounds simple. As a "For Sale By Owner," all you have to do is put a sign in the yard, an ad in the paper, and stand back while the buyers come running to bid.

If you're tempted to market your home without the aid and advice of a real estate professional, take a moment to ponder these questions:

• Can you set a price on your home realistically and accurately?

If you price your home too high, you'll get few shoppers and help your neighbors sell their houses. Price it too low, and you'll lose money. Local real estate markets change quickly, street by street, and unless you have the same information that real estate professionals receive daily, chances are you'll set your price over or under current market value.
• Are you prepared to spend possibly many days glued to your home?

Shoppers come looking every day of the week and every hour of the day. Remaining ready for them to show unannounced can make you a permanent home sitter.
• Are you able to reach a wide range of possible buyers?

Experience shows more than 60% of home sales are made by matching a seller with a buyer from an extensive network of contacts. These contacts don't come from ads but from a career of building relationships and the multiple listing service. Without that pool of qualified buyers to show your house to, self-sellers are reduced to expensive hit-or-miss advertising.
• Can you be sure that the people entering your home are genuinely interested in buying, not in taking advantage of your "open house" and unprotected presence?

Real estate professionals both screen house hunters and accompany them as they go through your rooms.
• Are you experienced at negotiating and creating legal contracts?

Buyers of homes sold by the owner typically offer much less than the asking price and may expect sellers without agents to share the "savings" on the brokerage commission.
• Can you size up a potential buyer's ability to finance the purchase of your home?

Many weeks can be wasted waiting for mortgage approval that lenders can't give to unqualified loan applicants. Real estate professionals routinely pre-qualify house hunters and show them only property they can afford. Real estate professionals don't like to waste time either.

As trained real estate specialists, we'd like to help you sell your home. Not just because it's our livelihood, but also because we've seen the many difficulties that have beset would-be "Sale By Owners" who came for help after their efforts failed. We'd like to do the same for you, saving you the hassle of trying to go it alone. Call The Kittle Team for all your Real Estate needs at 970-690-4920 today!

Your lender decides what you can borrow, but you decide what you can afford. Lenders are careful, but they make qualification decisions based on averages and formulas. They won't understand the nuances of your spending patterns as well as you do. So, leave room for the unexpected - new opportunities your home will give you to spend money, from furnishings, to landscaping, to repairs.

Historically, banks have used a ratio called 28/36 to decide how much borrowers can borrow. An approved housing payment couldn't be more than 28 percent of the buyer's gross monthly income, and his or her total debt load, including car payments, student loans, and credit card payments, couldn't be more than 36 percent. As home prices have risen, some lenders have responded by stretching these ratios to as high as 50 percent. No matter how expensive your market though, it is important to think carefully before stretching your budget quite so much.

Deciding how much you can afford should involve some careful attention to how your financial profile will change in the upcoming years. In the long run, your own peace of mind and security will matter most.

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Here are the Northern Colorado Market Statistics for the month of December, 2008. First listed are for Fort Collins, Colorado, then Loveland, Colorado, then Greeley, Colorado. Let our team help you, if you are interested in buying or selling property in Northern Colorado - - - Call Rob Kittle with the Kittle Team, Keller Williams Realty for all your Northern Colorado Real Estate needs today at 970-690-4920!

SEARCH THE MLS LIKE THE EXPERTS DO!

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The best, no hassle, easy way to SEARCH
for homes in Northern Colorado!

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Ever wonder what kind of return from that sponge painting mural gives you on the value of your home? With costs the way they are today, you will want to take a look at what remodeling project gives you the best return. Here's some examples of the potential percentage of return on investment.

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