Posts Tagged ‘Evergreen Colorado Mortgage Refinance’

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EVERGREEN COLORADO REAL ESTATE

Sunday, April 19th, 2009

EVERGREEN COLORADO REAL ESTATE

 

REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

 

Hazardous Insurance                Insurance on a property which insures it for losses such as fire, loss of life, wind, hail, etc.

 

 

Hold Harmless Clause              An agreement in a contract which relieves one party from liability or damage while the other party assumes this liability.

 

Holdover Tenant                       A tenant whose lease has expired but remains in possession of the property.

 

 

We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES and are Your one stop shop for all Your EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESTATE. We are also an EVERGREEN COLORADO CUSTOM HOME BUILDER and are looking forward to serving You with all Your Real Estate needs. Please, give us a call 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 BUYER INCENTIVES.

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EVERGREEN COLORADO REAL ESTATE

Sunday, April 19th, 2009

THE MORTGAGE CRISIS CONTINUES

 

Virtually every commentator I have listened to, blamed our economic crisis on the derivatives from the mortgage backed securities, whose underlying worth are based on B paper mortgage loan to people who could not afford them. The folks who signed up for these mortgages were full of hope that somehow they would be able to afford their homes, or refinance when the house had increased in value, and thereby maintain their payments and keep their homes. The problem was that they were putting their hope in the proverbial “house of cards,” and at some point all the cards came tumbling down. By the way we here at DISCOUNT MORTGAGES SERVICES never wrote these toxic loans, but always advised our clients to steer clear of them.

 

You would think that we would have learned our lessons and avoid repeating putting our confidence in a mountain of borrowed cash. Nevertheless, the Obama administration has decided to take out a mortgage that they can’t possibly pay back. If interest on the national debt stays at lee than 1%, the current rate, than the mortgage payment for every man, woman, and child will be $140,000 each. When the interest rate goes up, as it must, it will bankrupt the American Economy, and the confiscatory taxes that result will destroy all entrepreneurial incentive and investment.

 

This same scenario was played out in the 1970’s when we strapped ourselves with the enormous debt of the Viet Nam war, the overburdening debt of President Johnson’s “Great Society,” and President Carter’s inexperience and incompetent economic policies when he tried to tax away everyone’s income to pay Washington’s debts. We had a decade of “stag-flation” where inflation was up to 20% but business and the economy were dead. We are heading back to those days again, it can not be avoided.

 

Fortunately, there is a way to prosper in times of massive government taxes and debt – buy and payoff your own home. The greatest financial asset most American own is not their 401k, but their home. If You spend the next ten years buying, and completely paying off your own home, you will come through the decade in great financial shape. If the market returns, and taxes are lowered, you can refinance or take out an equity loan to invest, and if not you can look forward to a mortgage free retirement.

 

If Your are ready to take control of Your future call us at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s devise a plan for You. NOW, we are offering a FREE BUYERS INCENTIVES program to help our customers. Please, 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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REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

Wednesday, April 1st, 2009

REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

 

Execute                                    To complete, to sign, to perform, to carryout, according to the terms of the contract; performing or fulfilling the contract as in the signing of a contract at a closing.

 

Extension                                  An agreement to extend the length of time specified in a contract.

 

Fair Market Value                    What a willing buyer will pay a willing seller without either being compelled to buy or sell.

 

False Advertising                      When a real estate person purposely misleads a buyer with false advertising information regarding the property, price, or terms.  They can have their license revoked.

 

If you are thinking of renovating or remodeling, please give us a call. We are an EVERGREEN COLORADO CUSTOM HOME BUILDER and will be happy to discuss Your building plans with You. So contact us 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 and CONIFER 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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EVERGREEN COLORADO REAL ESTATE DEFINITIONS

Friday, March 13th, 2009

EVERGREEN COLORADO REAL ESTATE DEFINITIONS

 

Certificate of Occupancy          Certificate given by the building department stating that the construction is complete and ready to be occupied.

 

Certificate of Title                     A chain or abstract of title showing ownership.

 

Closing Costs                           Additional money paid for the purchase of real property, such as loan origination fees, appraisal costs, lender fees, title fees, etc.

 

Closing Statement                     Written financial statement prepared for buyer and seller listing all the costs, credits and deductions, showing what each owes or receives.

 

We are EVERGREEN COLORADO MORTGAGE REFINANCEand DISCOUNT MORTGAGES SERVICES and are Your one stop shop for all Your EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESTATE. We are also an EVERGREEN COLORADO CUSTOM HOME BUILDER and are looking forward to serving You with all Your Real Estate needs. Please, give us a call 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 BUYER INCENTIVES.  

 

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EVERGREEN COLORADO HOME LOAN

Sunday, February 22nd, 2009

IT’S TIME TO MAKE MONEY WITH AN EVERGREEN COLORADO HOME LOAN

 

The EVERGREEN COLORADO MORTGAGE rates continue to stay low. Now, is a great time to buy EVERGREEN COLORADO REAL ESTATE, or to refinance with an EVERGREEN COLORADO MORTGAGE REFINANCE.

                      

The opportunities today in the Real Estate market are tremendous. You can save thousands of dollars by buying homes at all time low prices, buying foreclosures, or negotiating a short sale on the home of Your dreams.

 

Additionally, You can save on a mortgage at bargain basement rates. Last week we here at DISCOUNT MORTGAGE SERVICES have rates as low as 5.26% with no loan origination and no discount points. There are still plenty of companies who will use these low rates to make a larger profit, rather than giving You the best rate possible. Please give us a call and we will help walk You through the Mortgage Maze. We are pros and we will educate You, and show You how to profit in this volatile market.

 

Contact for a no obligation consultation and loan review. There are many things You can do right now to secure You life time financial wealth. 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 needs. 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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PROFITING IN THE HARD TIMES

Wednesday, February 4th, 2009

PROFITING IN THE HARD TIMES

 

The major problem with our economy is that we have all bought into this concept of personal, corporate and public debt. Now the government is broke, and we all will be broke, unless we rethink our priorities. There is no viable investment instrument in the market today that will increase your personal wealth; so why not just invest in yourself.

 

Start by examining your home mortgage rate and if it is higher than 5 ½ %, or you have an adjustable rate, or you are paying mortgage insurance then consider refinancing your loan. We are MARK ENGLISH REAL ESTATE and are associated with DISCOUNT MORTGAGE SERVICES and will be glad to help you analyze your current loan.

 

Then you should devise a plan to pay off your mortgage in 5 years. In fact, see if you can be debt free in 5 years. If you took all the savings from your refinance, and added all the money you are investing in a losing 401k and paid off all your debts, then you would be in effect earning the interest rate amount of you mortgage. In other words, if you paid off $10,000 of your EVERGREEN COLORADO HOME LOAN, and your rate is say 5 ½ %, then in reality you have earned $550.00 in interest, and have the added benefit that you owe $10,000 less, and therefore are worth $10,550 more than you were a year ago. This Equity is tax free because when you sell your personal home you do not owe any taxes on the sale.

 

If you invest even in a “no-load” fund you will still be charge an administration fee, and an investment advisor management fee which is a percentage of total fund asset. The secret is that there is no secret, make no mistake; you will be paying someone to manage your investment.

 

Most people that I speak to tell me that they lost all of the dividends, interest, and equity they had two years ago and about 30% of their original principal. Wow! If your “no-load” is paying 6% a year (and I don’t know any that are), and your “management fee is 3-4% a year, You are losing all your money to stock broker fees and inflation (which is 13% a year). If your mortgage is 6 % then your have, by paying it off, earned a true “no load” 6%.

 

Please, give us a call for a no obligation consultation and loan review. 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 needs. 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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PROTECTING YOUR ASSETS IN TOUGH TIMES IN EVERGREEN COLORADO

Thursday, January 29th, 2009

PROTECTING YOUR ASSETS IN TOUGH TIMES IN EVERGREEN COLORADO

 

Now is the time to dig in and consolidate your expenses. You can’t make any money in the stock market, and the interest rate that they are paying for CD’s and T-Bills is less that inflation. Ben Franklin taught us that a “penny saved is a penny earned.” Why not Refinance You home mortgage with a no pre-payment penalty, and use the money you save, and any money you are investing in a 401k, to pay off Your home. When You get an EVERGREEN COLORADO MORTGAGE REFINANCE or a CONIFER COLORADO MORTGAGE REFINANCE from MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and lower you interest rate to 5 1/2 % You can consolidate all Your debt into one loan. Then set Your goal to pay the loan off in 5 years. If You keep lowering You loan principal, You will in effect be making 51/2% on You investment money. In other words, why put your money in stocks where you will either loss Your principal, or make no profit; earn 5 ½ % by saving the interest and paying off your mortgage.

 

I don’t know any other investment vehicle that will guarantee you 5 ½ % returns in today’s market. In five years, your home will be paid off and you can use the monthly payment you were making to invest. I would also recommend considering investing in a rental property, since prices are low and mortgage money is available.

 

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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Real Estate Home Values in Evergreen Colorado

Monday, December 8th, 2008

Real Estate Home Values in Evergreen Colorado

 

 

What is the current state of Real Estate values in Evergreen Colorado today December, 2008?

 

There is a definite slow down in the Evergreen Colorado Real Estate market. This is evidenced by the excessive inventory and the ever increasing number of foreclosed homes. The MLS system reports a 38% increase in the number of active residential listings in North Evergreen and a bump of 34% in the South Evergreen area over what was available one year ago. The prices are approximately 10% less than original asking price or about at the 2005-2006 market prices. This home inventory is a key indicator in a down Real Estate Market, and is especially important to those aspiring to Evergreen Colorado Living. But why?

 

When the inventory begins to decrease and stabilize it is a prime indicator that the market has bottomed and the Real Estate Home Values in Evergreen Colorado will begin to increase again. To buyers, this is the optimal time to buy and to sellers it begins the process of restoring the equity lost in their homes. As you can well imagine this balance of the supply and the demand for houses is what defines Real Estate Home Values in Evergreen Colorado – greater supply results in lower prices.

 

It is important to note that the fundamentals of Real Estate values in Evergreen Colorado still remain strong. There are few places in this country where you can live in the Rocky Mountains and be located just 30 miles from downtown. Evergreen Colorado Living still provides a wonderful array of amenities, and when money is tight, just staying home can be a great adventure; having lots to do and enjoying all of Natures bounty is what defines the Evergreen Colorado living life style. However, it is still a tricky market and you would be well advised to hire a seasoned professional to represent you so that You make the best deal possible. The market in Evergreen is volatile. Different neighborhoods reflect varying degrees of distress or lack thereof and establishing an offering price is critical to your success.

 

Every Real Estate company, especially the franchises, are completely dedicated to listing homes and have promised the owners that they will sell their homes for the highest possible price. What You need is a professional who will represent YOU the buyer. Mark English Real Estate will represent Your interests exclusively. When you are talking to the listing agents or driving around in their car; you are in the enemy’s camp. By law any information or enthusiasm you show can and will be used against you in any negotiation.

 

So give us a call today at  30… or email us at markenglishbuilder@msn.com and we will put together a plan to put you in control and educate You in the fine art of buying Evergreen Colorado Real Estate. Don’t forget to sigh up for Your FREE INCENTIVES.

 

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