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EVERGREEN COLORADO REAL ESTATE

Wednesday, February 11th, 2009

PAYING DISCOUNT POINTS ON YOUR EVERGREEN COLORADO MORTGAGE

 

Paying a loan discount points is a method borrowers and lenders use to “buy down” the interest rate on their  new EVERGREEN COLORADO HOME LOAN. When buying EVERGREEN COLORADO REAL ESTATE one discount point, which amounts to 1% of the loan principal, reduces your rate by 1/8 %. On a $300,000 dollar loan a 1/8th reduction will lower your monthly payment by approximately $30.00 a month; that equates to $360.00 a year and $10,800 for the life of the loan. It will take You 8 years and 4 months just to break even on the upfront cost for the discount point. If your loan is paid off before that, and most loans are paid off in 7 years or less, then the bank make a higher yield on the loan.

 

So what is the smart move when we get down to the bottom line? We tell our customers that the money is a good investment if You are going to keep the mortgage for 10  years or more, if you can easily afford it when you are buying your home, or, and this is what we negotiate with the sellers, You can get the seller to pay one or two points towards Your loan. We at DISCOUNT MORTGAGES SERVICES also calculate the lower payment if you just took the discount point and paid down the loan amount-borrowed $297,000 rather than the $300,000 in our example. Here You would save $18.00 a month rather than $30.00 but you will owe less money and still reserve the option of selling or refinancing Your home before the 8 year 4 month break even point.

 

Please, give us a call today for a NO OBLIGATION rate quote. We are DISCOUNT MORTGAGE SERVICES and have been serving the Colorado Community for many years. Our prices are the lowest around. We have written mortgages all over the state of Colorado, but we are located right here in Evergreen. So whether You are buying a new home, investing in a rental property, or refinancing Your home; WE CAN HELP. Call us at 303-674-0509, Email us at markenglishrealestate@msn.com , or visit us on the web at www.EvergreenColoradoLiving.com and scroll down the left tool bar and click on DISCOUNT MORTGAGE.

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SELLING EVERGREEN COLORADO REAL ESTATE

Friday, January 30th, 2009

 

SELLING EVERGREEN COLORADO REAL ESTATE

 

When a home owner decides to sell their home they are in effect going into business. A home in Evergreen Colorado or Conifer Colorado could be worth any where form $200k to 1 million dollars. If you have never sold any thing with that kind of price tag, you should hire a professional like MARK ENGLISH REAL ESTATE. If you do try to sell as a For Sale By Owner (FSBO) just think what you are saying to the prospective buyer! You are saying I want to make all the money myself. I don’t care about you, about your needs, about showing you sales comparables, about your legal protection, about your mortgage financing – I just want all the money. Every item and every service in our economy has a marketing cost built into the product. If you want to keep that fee, You will need to earn it. So be ready to market yourself and you home.

 

Job one is to set the price correctly. In todays troubled economic times setting a price is a challenge. County assessments are notoriously wrong and usually too high, because the county is only interested in tax money and most people do not protest their assessed value. The State of Colorado defines the price of a property as what a willing buyer, will pay a willing seller, in a reasonable amount of time. The only way to calculate that figure is to run all the sales comparables, and then add and subtract from the average price to see where you home should be priced at.

 

Right now we are giving away free COMPETITIVE MARKET ANALYSIS for your home. Please, give MARK ENGLISH REAL ESTATE a call at 303-674-0148, Email us at markenglishrealestate@msn.com or visit us on the web at www.evergreencoloradoliving.com . Let’s talk, it’s FREE, it’s FRIENDLY, and there is no obligation.

 

 

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CREDIT REPORTING FOR YOU EVERGREEN COLORADO HOME LOANS

Sunday, January 25th, 2009

CREDIT REPORTING FOR YOU EVERGREEN COLORADO HOME LOANS

 

One of the most critical factors in determining your eligibility for a mortgage loan of any type is You credit score. Mortgage lenders usually prefer to use automated underwriting programs to qualify a borrower for a loan. This process is a method whereby the credit Report Company takes three separate and independent credit scores, from three different companies, and merges them together into one final credit score. If your credit score reflects a weak credit history the loan company will reject your loan.

 

It is critical that you keep a close eye on the information in your credit report. You can request a “Residential Mortgage Credit Report” and check to see that all the information there is correct. You can also have any out dated info purged, and incorrect information that was reported in error cleansed from your report. We at MARK ENGLISH REAL ESTATE will be happy to help you do this. Your credit report is not only important for a home mortgage but for all your credit. So if you need a car loan or a credit card, your approval and the interest rate you will be charged is intricately dependent on your credit score.

 

Please, give us a call at DISCOUNT MORTGAGE SERVICES and we can educate you and help you review, and if necessary, straighten out you credit report. Contact us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com and let’s talk.

Now, we are offering a no loan origination loan on all new EVERGREEN COLORADO MORTGAGES and EVERGREEN COLORADO REFINANCE.

 

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BUY LOW SELL HIGH IN EVERGREEN COLORADO REAL ESTATE

Friday, January 23rd, 2009

 

BUY LOW SELL HIGH IN EVERGREEN COLORADO REAL ESTATE

 

We have all heard the old financial bromide to “buy low and sell high.” What we need to realize is that when the prices are low, we need to be strong and have the courage to buy. It has been my experience that the reason a market is low, is because there has been some series of events that has driven it down. It is then, when circumstances are difficult, and the conventional wisdom says hold off and lay low, that the successful stand tall and buy.

                                  

Evergreen and Conifer Colorado Real Estate prices are low, now is the time to buy. Many men and women are still deducting money each week to deposit in their 401k account. Stocks are still at an all time high, the price to value is still 10 times earnings or more (and that is based on last year’s earnings). Yet most people will not buy Real Estate because they feel the market has not bottomed. These are the people who are buying over priced stock, paying high commissions even on so call “no load” funds. The smart money is buying Real Estate Investments now that the prices are at all time lows. The investors who are buying now will be the “lucky ones” when their Real Estate is produces income.

 

After all isn’t that what it is all about; producing income for you? While you are getting up and going to work, helping with home work, driving to music lessons, attending soccer games, you investment is working for You. Perhaps, like your 401k you are not collecting the money each month, but you are paying off the investment and one day the mortgage will be paid, the house free and clear and you can sell it or keep the income for your retirement.

 

Now is the time to be successful; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s plan you retirement income. We are the one stop shop for all your Real Estate needs in the Rocky Mountains. Whether a home of Your own, a retirement investment, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com.

 

 

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RISK, MONEY AND EVERGREEN COLORADO HOME LOANS

Thursday, January 22nd, 2009

RISK, MONEY AND EVERGREEN COLORADO HOME LOANS

 

Most people I know need to finance their home. Even those people who do not need institutional financing borrow the money from themselves, or one of their businesses, or a money asset, or their own 401k. So what incentives do the lenders envision by loaning out money to you to buy a home. Obviously, you will say “well, Mark, they will profit from the interest they collect on the money they loan out.”

 

Let’s analyze that. The government says inflation is 4-5 % a year. Most sources on the internet put the figure at 12-13 % per annum. My personal experience is that the latter figure is correct. The government numbers do not include all groceries, nor do they include energy cost. In short, the government is deceiving us.

 

Now, if you loan out money at 6 % in the form of a mortgage, and inflation is 12%; you are losing 6 % of your buying power each year for the life of the loan. So why would anyone loan out money for a home mortgage? There are a couple of reasons.

 

First, foreign countries that have massive amounts of dollars reinvest in American because we are a stable country. China and the oil producing countries are flooded with dollars. They invest those dollars in our economy to keep us afloat, and to earn income, even if the income losses some to inflation. Second, the government, in the form of Fannie Mae and Freddie Mac buy mortgages to keep the American housing industry going. These two situations are bad financial policy for our government but it creates a great opportunity for You and Your family. Mortgage rates are at all time lows for EVERGREEN COLORADO MORTGAGES.

 

Please, give us a call. We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES. We are the one stop shop for all your EVERGREEN COLORADO REAL ESTATE and EVERGREEN COLORADO HOME LOAN. Contact us at 303-674-0148, Email us at markenglishrealestate@msn.com or visit us on the web at www.evergreencoloradoliving.com. Don’t forget to register for your free mortgage loan origination rewards.

 

 

 

 

 

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REFINANCING EVERGREEN COLORADO REAL ESTATE

Saturday, January 17th, 2009

REFINANCING EVERGREEN COLORADO REAL ESTATE

 

How do you shop wisely for a mortgage? We have all heard the horror stories about the excessive charges, and all the junk fees people pay when booking a mortgage. Some of us may have even fallen victim, and gotten stuck paying these unjust fees. There are many lists of these so called “junk” fees in news paper, and internet articles, but these articles always seem to be written by someone not in the banking or mortgage business. So what’s a person to do?

 

The real solution is to hire an independent mortgage broker who you can trust. All the loan originators, or bank officers, who work for the large mortgage companies, and the local, and national banks, are required to charge excessive fees to cover the huge overhead of these organizations. Furthermore, we are now learning that all of these companies had unethical practices, and it’s those practices that have seriously damaged our American economy.

 

So when you are ready to shop for an EVERGREEN COLORADO HOME LOAN, or refinance your hom, please give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES. We are a company you can trust to guide you through the mine-field of excessive interest rates and junk fees. Give us a call at 303-674-0148, Email us at mortgagesjust4u@msn.com , or visit us on the web at www.evergreencoloradoliving.com.

 

 

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RENOVATING YOUR HOME IN EVERGREEN COLORADO – CONTINUE

Saturday, January 10th, 2009

RENOVATING YOUR HOME IN EVERGREEN COLORADO – CONTINUED

 

There is always a question whether to put the flooring, both wood and tile flooring, down before the painting is done. This is further complicated by the use of a paint sprayer. I generally like to put all the floors down first, except the carpet, and then finish the interior.

 

While the trim is being installed the wood flooring can be nailed down. By this time the flooring should be acclimated and ready to be installed. Although there are many different types of wood floors, all real wood floors are installed the same way. Flooring should be laid perpendicular to the floor joists. Before You start you need to apply a layer of good quality building paper. Rosen paper is used most often, but 15lbs. felt is considered the better job. The paper will protect the interior of the home from dust, cold, and moisture that may seep in through the floor seems. It will also prevent wood on wood contact between the hardwood floor and the plywood. Wood on wood movement is the major cause of squeakies. Once the paper is laid down the location of the floor joists must be marked off, so that the flooring nails can be nailed through the plywood and directly into the joists. Now the floor is ready for racking and nailing.

 

Racking a floor means to lay it out in such a manner that the end joints are staggered; the short or blemished pieces are in the closets, the long boards are used for the starter courses and door ways, and in general we should arrange the flooring in the most attractive way. This will give the greatest aesthetic impact when the floor is finished.

 

Once the doors are set, its time to set all the other floors, as well as the wood floors. The bathroom wall tile and floor tile can be set, foyer tile set, fireplace tile set, kitchen floor if required, etc.

 

In the next article we will talk about the cabinets and counter tops. If You are in the market for renovating, or building a home please contact us. We are an EVERGREEN COLORADO CUSTOM HOME BUILDER and will be happy to discuss Your building plans with You. So give us a call at 303-674-0148, Email us at markenglishbuilder@msn.com or visit us on the web at www.EvergreenColoradoLiving.com . We are the one stop shop for all Your EVERGREEN COLORADO REAL ESTATE needs- from Real Estate; to building to financing we will save You time and money. Don’t forget to register for Your FREE BUYER INCENTIVES.

 

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WHEN TO INVEST IN EVERGREEN COLORADO REAL ESTATE

Sunday, December 28th, 2008

WHEN TO INVEST IN EVERGREEN COLORADO REAL ESTATE

 

Whether it is a home of Your own You are looking to buy, or You want to start investing in You lifetime financial security; everyone is wondering where is the bottom of the market. We are so afraid that we will pay too much, that we might miss the best buyers market in forty years. Surly You will ask me “how then Mark can we get the best price and not miss out on all the bargains?” Relax! I will show You.

 

What we do here at MARK ENGLISH REAL ESTATE is we create our own opportunities. You are right; if You procrastinate the market will pass You by. However, we will teach You how to put Yourself in the driver’s seat with what is called “a Short Sale.” In a Short Sale we contact the bank who owns a property You want, and we offer them less than they have into the property. Now, they can turn You down but, in today’s economy, with the large inventory that exists, many times they will accept. Not only will they accept but will also finance the property to a qualified buyer.

 

It takes skill and know how to secure a sale under these conditions, but we here at MARK ENGLISH REAL ESTATE can educate You and show You how it is done. With a Short Sale You effectively create Your own bottom of the market and leave Your competition in the dust. If the bank foreclosed for let’s say $300,000.00 and You offer $250,000 You have just established Your own bottom, and acquired a desirable property before the rest of the market was aware of it.

 

More important than some esoteric “bottom of the market” is to establish what a home is worth in the free market, and how can I make money by investing in it. The goal is not just to buy cheap, but to buy an income stream or lump sum profitable return. Making money is what it is all about, not just getting a deal.

 

Give us a call at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.EvergreenColoradoLiving.com and we will show You how to profit, when buying EVERGREEN COLORADO REAL ESTATE in these difficult economic times. Don’t forget to register for Your FREE BUYERS INCENTIVES.

 

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RELOCATING TO EVERGREEN COLORADO

Saturday, December 13th, 2008

RELOCATING TO EVERGREEN COLORADO

 

If You are considering relocating to Evergreen Colorado, You would be wise to hire a seasoned professional who will give You the competitive edge You will need to make the best purchase possible when buying EVERGREEN COLORADO REAL ESTATE. Almost all real estate agents depend on the Multiple Listing Service (MLS) to provide them with an inventory of homes to show prospective buyers. This is a sound strategy and Mark English Real Estate is a member in good standing of the three major MLS services which cover the eastern half of Colorado. We are experts at using all the MLS services to the advantage of our customers. However, there is another whole world of possibilities out there for the aggressive Buyer.

 

EXPAND YOUR HORIZONS

 

Many older homes listed for sale are on the best lots, and are in the most prestigious subdivisions, and are at the nicest locations. These are vintage 1975- 1995, and they look and feel like “older” homes. These homes are not well insulated and the building mechanicals and construction systems are outdated. The attics and walls have 3 inch insulation, and they have old carpets, and low tech heaters and hot water tanks. What we recommend toYou is to expand Your horizon, and consider buying and building, or buying and updating, or buying and renovating. Now! we can look at the homes in the best locations with a new eye. We can look with an eye towards what can be and not only what is. We can make an offer that reflects the cost of what needs to be done. The best purchases are always made when we have the largest selection available. That is why we shop at department stores and buy our groceries at the larger stores.

 

Give Mark English Real Estate a call and let’s discuss ALL the possibilities. Please, call us at 303-674-0148 or email us at markenglishrealestate@msn.com ; and don’t forget to sign up for our FREE INCENTIVES.

 

 

 

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RENTING EVERGREEN COLORADO REAL ESTATE

Friday, December 12th, 2008

RENTING EVERGREEN COLORADO REAL ESTATE

 

There are times in Your life when renting is the beat option. Here are a few things You might want to consider when looking for a home to rent:

  • If You are planning to eventually buy make sure You are renting in the same school district that You will be buying in so that the children will not have to change schools.
  • In this time of volatile gas prices, rent somewhere close to public transportation.
  • Before signing the lease, look at the bottom line for all Your housing needs. If the house has electric heat it could easily cost You $200.00 to $300.00 dollars more a month that with gas heat. Verify that there is an online provider at the house and that the cost will be reasonable.
  • Utilities must be factored in; many homes will require you to pay for water, sewer, and garbage.
  • If You do not already have a pet don’t get one. Virtually all landlords will want an additional security deposit of about $300.00 per pet and many will want pet rent.
  • In a tight market consider a long term lease for a fixed rent and avoid yearly rent increases.

 

RENTAL MARKET IS GETTING TOUGH

 

Many people have had their homes foreclosed, while others can not afford to buy in a tough mortgage market, so the rental market is getting tight. Start looking early and weigh all Your options carefully. Mark English Real Estate manages many fine rental properties and we will welcome the opportunity to help You find a home to rent. Please, give us a call at 303-674-0148 or email us at markenglishrealestate@msn.com  or maby you need to do a home loan refinance in Evergreen Colorado call uf for that too.

 

 

 

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