Posts Tagged ‘MORTGAGE COMPANIES CONIFER COLORADO’

HOT MONEY FOR EVERGREEN COLORADO REAL ESTATE

Wednesday, September 30th, 2009

HOT MONEY FOR EVERGREEN COLORADO REAL ESTATE

 

One of the latest reports in the financial news is the FDIC is complaining about all the “hot money” that is deposited in many of our marginal banks. Hot money is money that is on deposit with the bank because they are offering above market interest for deposits in the bank. There are many depositors who will continually move their money to gain an increase in their interest earnings. Instead of blaming the banks for luring depositors why not put the blame squarely where it belongs – with the Federal Reserve System.

 

Many people on a fixed income are depending on the interest from their 401k money to fund their living expenses. Meanwhile, the FED is now and has for years kept the interest rates artificially low so that the money market is “liquid.” Liquid means that they create money with a digital banking entry and drive down the rates the market will pay to rent money. The money they create is not hard earned money but printed money which engenders inflation, and punishes any person or institution that saves money.

 

Most responsible people realize that the stock market is tremendously over speculated and a poor investment choice so they chase the best interest rates available nation wide to gain a percent or two over the Federal Reserves inflation rate. If you look at the sorry state of the dollar against other currencies and gold you can easily see the damage these policies cause.

 

Fortunately, there is still one investment that can create wealth and shelter your profits from the grasp of greedy tax collectors. Investing in Real Estate is the only safe investment vehicle that will allow you the financial freedom you deserve. Invest today in your financial freedom; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s put a plan in motion for your financial future. 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.

Tags: , ,
Posted in Conifer, EVERGREEN COLORADO CUSTOM HOME BUILDING, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »

FED MEETING TODAY IN EVERGREEN COLORADO REAL ESTATE

Wednesday, August 12th, 2009

FED MEETING TODAY IN EVERGREEN COLORADO REAL ESTATE

 

Well the stock market was holding its breadth today as it waited to hear what the Fed’s decision was on interest rates.  Although the stock market has been gaining the last several weeks, it was not sure what the news would be from the Fed. 

 

Stocks did open higher this morning on better than expected third quarter earnings report, showing more signs that the economy is stabilizing.  Toll Brothers homebuilding, reported that orders for new homes climbed 3% at the end of the fiscal third quarter, that is exciting news.  Macy’s, too, came in with better than expected earnings for its second fiscal quarter.  It seems everyday lately we are hearing better and better news about the economy.

 

This afternoon the Fed spoke and agreed that the economy seems to be improving.  Although the economy is moving forward, they decided not to raise interest rates; interest rates will remain at near zero for now.  Keeping interest rates low will help the consumer as they look to purchase homes. Upon hearing this good news the stock market then rallied even higher to close at 120.19.

 

I am a little more hesitant to say that we are totally out of the woods.  Until unemployment really starts to dip, and I see some growth in hiring, I will remain cautiously optimistic.

 

With the improving economy and low interest rates, now is a great time to purchase a new home.  Don’t wait until it is too late and interest rates climb as will home prices, get you new home now.  Being pre-approved for a mortgage will help you when you find the home you want, it will show the seller that you are a serious buyer, plus you can close quickly.  If you would like to get pre-approved go to www.aloan2own.com and fill out an application.

 

We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES (http://www.evergreencoloradoliving.com) 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

Tags: , ,
Posted in Uncategorized | No Comments »

CHERISH OUR FREEDOM IN EVERGREEN COLORADO REAL ESTATE

Saturday, August 8th, 2009

CHERISH OUR FREEDOM IN EVERGREEN COLORADO REAL ESTATE

 

As we listen to the news and radio talk shows, it seems that with each passing day we lose more and more of our freedom.  More and more of those values and morals that our Founding Fathers intended for this nation are disappearing. 

 

We are, or were, a nation founded on Christian principles and values, but these days there seems to be an all out assault on God. Our religious symbols that have been an entrenched part of this Republic are disappearing and, “We the People” are letting them do it.

 

My father fought in World War II, as did many other fathers, husbands and brothers, for these freedoms, (the freedom of speech, the right to bear arms, freedom to worship without interference from government, the right to life for all people no matter how small) that we now take so little care of.  Many of our young soldiers today continue to fight around the world for these same freedoms and to keep us safe.

 

I want my freedom!  I want the right to speak out against legislation that I know is harmful to this country and to stop it; I want the right to worship as I please and to have my Christian symbols not be taken down because it offends one person; I want the right to have a gun, if I so choose to protect myself, I want to protect the sanctity of life for everyone, born and unborn.  Freedom comes at a price, it is not free, we have to fight everyday to keep our freedom alive, if we sit back and do nothing it will disappear and so will we.

 

Our country is going through some perilous times and “We The People”  need to speak out as we have never spoken out before without fear of backlash and put our faith and trust in the One who created us for He will heal our land if we humble ourselves and pray and ask for His forgiveness. 

 

I cherish each day as I wake up in a country that was bought at price some 200 years ago.  I thank God for allowing me to be born and to live in such a free country.  “We The People” must protect and cherish our freedom or we will lose it. 

 

I pray the tide is turning and that “We the People” are starting to take our country back to what our Founding Fathers had wanted for us. It will be a difficult fight, but with God’s help we can do it. 

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.

Tags: , ,
Posted in Conifer, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »

SHOPPING FOR A HOME ONLINE IN EVERGREEN COLORADO REAL ESTATE

Thursday, August 6th, 2009

SHOPPING FOR A HOME ONLINE IN EVERGREEN COLORADO REAL ESTATE

 

Is real estate advertising in newspapers slowly becoming a thing of the past?  Nowadays more and more people are using the internet to search for homes, mortgages and retailers, to name a few.  This trend of online advertising and shopping has lead to the decline of many newspapers. 

 

With the advent of the internet, shopping for a new home online, the ability to see pictures and even a close up street view of the home all from the comfort of your home has increased ten fold.  More and more realtors are advertising their listings on such places as Realtor.com, JustListed.com, Trulia.com, Yahoo.com, etc. rather than the newspaper.  Internet advertising gives the prospective buyer more information about the listings even market data, such as properties sold, days on the market and more.  This is vital information for the buyer so he can make an informed decision about the purchase of his next new home.

 

Does this mean that a buyer no longer needs a real estate agent in the purchase of a new home, absolutely not; a buyer needs a real estate agent who represents them and will work on their behalf to get them the best deal possible at the best price, to answer questions or concerns, to be there every step of the way through the contract process and real estate closing.

 

Advertising online for Sellers, too, is a great deal because it gives them more exposure to buyers than any newspaper add  ever could.  More buyers can view the Seller’s listings and decide whether or not this home is one they would like to see, the exposure for the Seller is worldwide.  Both Sellers and Buyers stand to benefit from online real estate advertising, it seems a win-win to me. What do you think?

 

Now is a great time to get pre-approved for a loan, be prepared when you find that new home.  Have your loan ready to close.  Go to www.aloan2own.com and fill out an application.

 

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.

Tags: , ,
Posted in Uncategorized | No Comments »

INVESTMENT MADNESS INSTEAD OF BUYING EVERGREEN COLORADO REAL ESTATE FOR SALE

Friday, July 31st, 2009

INVESTMENT MADNESS INSTEAD OF BUYING EVERGREEN COLORADO REAL ESTATE FOR SALE

 

The Federal Reserve was the primary cause of the mortgage melt down last year. Volcker, Greenspan, and Bernanke artificially manipulated the interest rates to unrealistic lows. By flooding the market with cash they destroyed the private money market. Any body with cash that they wanted to invest could only get about 1 to 1 ½ % return on their savings. Inflation has been at about 10 to 13 % in real terms for the last decade so money investors would lose 8 to 9 % on their buying power when they parked their money in some sort of saving instrument. That is why Madoff did so well people were starving for a decent investment.

                                  

So many invested in the Stock Market where we now had too many dollars chasing to few Stocks. This, coupled with the everyone’s 401K money showing up at the PO BOX every pay period, cause massive speculation in the Stock Prices. And so the crash came, as it always has, throughout history. Even now the deception is amazing. The Dow should be at about $3500.00 but every time a company goes broke like AT&T, City Group, and GM they are removed from the DOW. If we added all these bankrupt stocks back in, the Dow would show the real state of the investment economy.

 

It’s time to return to the fundamentals. If You want to prosper in these tough times you will need to earn a profit, not just depend on stock price speculation, or bond interest which is less that inflation. 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.

Tags: , , ,
Posted in Conifer, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »

GETTING BEYOND PAYROLL INCOME FOR EVERGREEN COLORADO REAL ESTATE

Friday, July 24th, 2009

GETTING BEYOND PAYROLL INCOME FOR EVERGREEN COLORADO REAL ESTATE

 

One of the catch words that you will hear when you start to get serious about understanding the IRS code, and how you can save real money on your taxes, is ABOVE THE LINE TAX DEDUCTION  or below the line deduction. An above the line tax deduction is a deduction take before you calculate your “adjusted gross income” on line 37 of the 1040. What you are looking for is a deduction that will lessen your gross taxable income. The traditional EVERGREEN COLORADO REAL ESTATE investment profit and loss is entered on a schedule “E” and is and above the line entry. If you can show a paper loss, or an actual loss that is deducted before you figure your total gross income, you will be sheltering you ordinary income from your Uncle Sam.

 

The only real alternative for us average people is to invest in Real Estate. A rental property will pay for itself over time, produce income, and shelter that income from the unrelenting grasp of the IRS. Invest today in your financial freedom; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s put a plan in motion for your financial future. We are the one stop shop for all your EVERGREEN COLORADO REAL ESTATE needs. 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.

 

Tags: , , ,
Posted in Conifer, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »

MAKING MONEY WITH EVERGREEN COLORADO REAL ESTATE

Monday, July 13th, 2009

MAKING MONEY WITH EVERGREEN COLORADO REAL ESTATE

 

In our last article we spoke about Wrap Around Mortgages, today let’s look at the numbers. Let’s say there is a property for sale for $300,000 and has a first mortgage with a balance of $245,000 with twenty years remaining on a 30 year term. The seller is either desperate to sell or doesn’t really need the cash to purchase another home. If there is no due on sale clause, or the mortgage company will agree to wave the due on sale provision rather than foreclose, then you could write a Wrap Around Mortgage on the property. If your buyer has good income but lacks the down payment but could put down $15,000 then you could write the new mortgage for $285,000.

 

Your seller’s payment will be $1610.46 a month and the buyer would then owe the seller $2308.27 per month for 30 years. Your seller would make their payment and keeps the difference of $697.81 which is the principal and interest for their $40,000 second (or wrap around). Your seller is now making approximately 17% on their money – 1 % on the original balance and 6% on their $40,000 second. When you add the found interest on the $245k original and add the interest on the $40K second the rate of return becomes 17% on the cash you have invested. Not a bad return in a 1 1/2 % money market!

 

There are some added risks but these risks are also a blessing. We will discuss them next time. Invest today in your financial freedom; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES ( www.aloan2loan.com ) and let’s put a plan in motion for your retirement. 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 from an EVERGREEN COLORADO MORTGAGE COMPANY, call us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com.

Tags: , , ,
Posted in Conifer, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »

WE KNOW OUR CONPETITION AS AN EVERGREEN COLORADO MORTGAGE COMPANY

Friday, July 10th, 2009

WE KNOW OUR CONPETITION AS AN EVERGREEN COLORADO MORTGAGE COMPANY

 

DISCOUNT MORTGAGE SERVICES is ALWAYS 1% cheaper than our competition. Either the local competition or the national competition.

 

Every other EVERGREEN COLORADO MORTGAGE COMPANY or CONIFER COLORADO MORTGAGE COMPANY has to charge their customers a 1% loan origination and a 1% back end yield spread. The loan origination pays their loan originators salaries whether they are commissioned or not; and the back end pays the companies expenses and profits. Every day I get on Ditech, Lendingtree, and E-loan and they are ALWAYS 1% to 2% higher that DISCOUNT MORTGAGE SERVICES.

 

We keep our costs low by working out of our home office, and my wife and I are the loan originators so we can earn the same amount of income as our competitors and still charge You thousands less. We can also give you the personal services you deserve and can often arrange alternative financing if necessary. Give us a call, it’s fast, friendly, and there is no obligation.

 

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.

Tags: , , ,
Posted in Conifer, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »

DISADVANTAGES OF SECOND MORTGAGES FOR EVERGREEN COLORAOD REAL ESTATE

Tuesday, July 7th, 2009

DISADVANTAGES OF SECOND MORTGAGES FOR EVERGREEN COLORAOD REAL ESTATE

 

Although there are many advantages for sellers to give second mortgages to their home buyers, there are also some disadvantages. The buyer’s payments will increase so you need a PROFESSIONAL MORTGAGE BROKER like the folks at DISCOUNT MORTGAGE SERVICES to analyze the buyer ability to pay and their history of paying. The seller will not receive as much cash at the closing, but the annuity of a second mortgage can certainly out weigh this draw back.

 

Not all first mortgage lenders will allow a second mortgage behind their first so again you will need Discount Mortgage to advise you.

 

Should the home buyer default you will have to cover the first mortgage at any foreclosure sale or lose your investment. This does not happen very often but it is certainly something to consider.

 

Whether you are a home buyer, seller, or an investor contact us and we will examine all Your options. We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES (www.aloan2own.com ) 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.

Tags: , ,
Posted in Conifer, MORTGAGES EVERGREEN COLORADO, RELOCATE TO EVERGREEN COLORADO, evergreen colorado real estate | No Comments »