Posts Tagged ‘MORTGAGE COMPANIES EVERGREEN COLORADO’

FRUSTRATING TIME FOR EVERGREEN COLORADO REAL ESTATE

Thursday, October 15th, 2009

FRUSTRATING TIME FOR EVERGREEN COLORADO REAL ESTATE

 

It’s a frustrating time for people in the EVERGREEN COLORADO REAL ESTATE market these days.

 

Sellers are realizing the full impact of what a “Buyers Market” means; and buyers are learning first hand what tight money is all about. Both buyers and sellers are frustrated with banks that do not seem at all concerned with the plight of distressed homes. Sellers often can’t get their bankers to call them back on the phone, and sellers have the same experience when trying to negotiate a “short sale” to avoid another foreclosed home in the neighborhood.

 

Like so many things in life the good deals that are out there will take hard work, decisive decisions, and an experienced Real Estate Professional like the folks at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES. 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 (www.aloan2own.com ) 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.

 

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.

EVERGREEN COLORADO REAL ESTATE

Friday, September 18th, 2009

EVERGREEN COLORADO REAL ESTATE

 

REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

 

Original Contractor                One who works directly with the owner of a property.

 

Outbuilding                             A building not attached to main building, such as a shed.

 

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 (www.aloan2own.com) 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.

 

FORECLOSURE DEFINED FOR EVERGREEN COLORADO REAL ESTATE

Tuesday, September 1st, 2009

FORECLOSURE DEFINED FOR EVERGREEN COLORADO REAL ESTATE

 

The legal definition for Foreclosure is to shut out, to bar, to destroy an equity of redemption; a termination of all rights of the mortgagor or their grantee in the property covered by the mortgage. The process by which a mortgagor of real or personal property, or other owner of property subject to a lien, is deprived of his interest therein.

 

It is a sad day when a family losses the home of their dreams. All their hopes are shattered and they are force out. Although I understand the necessity it still saddens me every time I see it happen.

 

Now is the time to be successful; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s plan your retirement income. We are the one stop shop for all your EVERGREEN COLORADO REAL ESTATE needs. Whether it’s 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.

 

RE-THIINKING REAL ESTATE INVESTMENT FOR EVERGREEN COLORADO REAL ESTATE

Saturday, August 29th, 2009

RE-THIINKING REAL ESTATE INVESTMENT FOR EVERGREEN COLORADO REAL ESTATE

 

In past years most Real Estate gurus would promote low or no down payment purchases for Real Estate rental properties. I personally never subscribed to this kind of “get rich quick” scheme. I always considered Real Estate investment as a conservative investment that would secure your money and pay you a rich return if managed correctly.

 

When you over leverage your property you create a situation where the rents either do not cover the PITI plus vacancy and repairs, or you are so close to the break even point that the slightest set back breaks you. Then you are faced with a negative cash flow. Now if you earn a large salary or income and your Uncle Sam is taxing you to death then a modest negative cash flow may be acceptable but only if you have a real plan for the property and know that its value or revenues will increase.

 

Otherwise you are involved in mere speculation. Speculation is always a risky business and involves putting all you have in jeopardy. It is a house of cards and the slightest economic breeze will knock it over.

There is one place where you can invest and weather the coming storm – and that is Real Estate. A house is a hard investment and like gold will hold its value against any currency. . 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 (www.aloan2own.com) 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. 

HOME SALES UP IN EVERGREEN COLORADO REAL ESTATE

Sunday, August 23rd, 2009

 HOME SALES UP IN EVERGREEN COLORADO REAL ESTATE

 

July’s existing homes sales in the US were up by a whooping 7.2 percent for the fourth consecutive month.  Homes prices were down 15.1 compared to last year.  Foreclosures made up a sizable percentage of homes sold in July  Could it be the real estate market is showing signs of bottoming out and turning a corner; we could only hope.   Although the inventory of homes continues to rise, so it seems are the sales.

 

The good news about the rise in home sales sent the stock market up.  Is the economy leveling off and turning a corner, we could only hope so. It does appear that we may be starting to see glimpses of a budding recovery especially with the increase in home sales and a rising stock market.

 

Home prices are down considerably, interest rates are still hovering at all time lows, and the government is giving a one-time $8000 tax credit (which will end November 30, 2009) to first time homebuyers,  now is the time to get out there and purchase that new home.  Maybe you are not a first time homebuyer but you want to take advantage of getting a larger home for less money and a low interest rate to boot, go for it.  Whatever your situation is, home prices and interest rates could not be better than they are now.  Strike while the iron is hot before the inventory shrinks and prices rise.

 

Mark English Real Estate is here for just this purpose, to help you find that perfect home.  Call us, email us or signup on our website:  www.evergreencoloradoliving.com  today and start searching for that new home.  Signup to receive our FREE Incentive Package too.  Make sure you have your loan in place so when that right home appears you are ready to jump in.  Go to: www.aloan2own.com and get pre-approved.

 

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.

CAN GOVERNMENT RUN ANYTHING SUCCESSFULLY

Saturday, August 22nd, 2009

CAN GOVERNMENT RUN ANYTHING SUCCESSFULLY

IN EVERGREEN COLORADO REAL ESTATE

 

 

Can the Federal Government run anything very well is the question?  Well let’s take a look. 

 

The Federal Government runs Medicaid, Medicare and Social Security all of which are going broke and costing taxpayers billions of dollars.  Costs are rising with no end in sight and all the government can think of doing is raising YOUR taxes.  Let capitalism do what it does best, which is competition and costs will come down.

 

Now the Government thinks we should have a single-payer system and worst yet, they should run it!  Are we gluttons for punishment or what?  We see how well other programs are run do we really want them to choose our doctors and tell us what type of care we should have, I don’t think so! I want the freedom to choose my own type of healthcare.

 

Most recently, is the Cash for Clunkers program, we all see how well that turned out.  Yes, while it may be good for the purchaser, the car dealerships are the ones holding the bag, not to mention there are not as many used cars to purchase for people who cannot afford new ones because they are being crushed.  Car dealerships are also not getting paid quickly enough.  The government says it needs to hire more people to process the claims. Then why did they not anticipate these things prior to instituting the program?

 

Fannie and Freddie are two of the government’s secondary home purchasing agencies and they, along with the banks, put us in the housing crisis we have today.  Senators on Capitol Hill decided that more people should have the ability to purchase homes and with that, they instructed the banks to make loans to people whose credit was risky and really could not afford them. When these people defaulted on their loans, the Senators took no responsibility for their action but rather, laid it solely on the banks.  Thus we have the housing crisis.

 

As we can see, anything the government touches it ruins.  It should stick to what its original intent in the Constitution is and that is to protect us and our freedom and nothing else.

 

Although the government created this housing crisis, the benefit to buyers is that home prices are down and so are interest rates, thus making this a great time to purchase a new home.  Don’t sit on the sidelines, call Mark English Real Estate today and let us help you find the best deal at the best price for you, plus receive a FREE Incentive when you purchase a home through us.  You will be the WINNER!

There is one place where you can invest and weather the coming storm – and that is EVERGREEN COLORADO REAL ESTATE. A house is a hard investment and like gold will hold its value against any currency. . 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(www.aloan2own.com)  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. 

THE INTERNAL RATE OF RETURN FOR EVERGREEN COLORADO REAL ESTATE INVESTMENTS

Monday, August 17th, 2009

THE INTERNAL RATE OF RETURN FOR EVERGREEN COLORADO REAL ESTATE INVESTMENTS

 

As with any investment what we want to determine is how much a property is worth today. To many time we just invest hoping to receive a return of 5% or 10% or some percentage over time. But the question arises – what should I pay for an investment or a stock to get a return of say 10 to 12%? Instead of looking at the asking price of an investment property we should look at how much we will pay in order to receive the return we want to make.

 

Although the formula can get fairly complicated, the IRR will discount all cash flows to a present cash value that the property is worth given our return rate. The formula can be use either with financing or without financing. Of course, this calculation of the IRR is becoming popular because most sane people realize that the Obama administration policies will cause substantially higher taxes and spiraling inflation so a hard investment like Real Estate, bought before the inflation takes off, will be a profitable venture.

 

If you can fix your price now that the market is down and then collect inflated rents when the taxes and value of the dollar decline your return will be substantial. If you finance with a fixed loan you can repay the property with inflated dollars while collecting the inflated rents and avoid the tax tsunami that is coming by depreciating your Real Estate Assets.

 

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 (www.aloan2own.com) 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.

HOW MUCH IS TOO MUCH WITH EVERGREEN COLORADO REAL ESTATE

Thursday, August 13th, 2009

HOW MUCH IS TOO MUCH WITH EVERGREEN COLORADO REAL ESTATE

 

National advertising is very expensive whether you advertise on the web or through national broadcast media. Too many people are deceived into getting on the web to find a mortgage with Ditech, Lendingtree, or Eloan without exercising due diligence. These national lenders are always one percent higher than DISCOUNT MORTGAGE (www.aloan2own.com) because you are paying a steep price for all that national exposure.

 

Hiring DISCOUNT MORTGAGE SERVICES is like buying generic. Although we are on the web, and we use only reputable mortgage lenders, we don’t have the huge advertising expenses and bloated overhead that the other guys have. We routinely save our customers 1% on the average loan. If you need a $200k loan that is a savings of $2000.00 right at a time when you need all he cash you can save to pay for moving, window curtains, closing costs, and down payments. A loan of $500k will save you even more – $5000.00 and so on. So be wise and analyze. Somebody is paying for all that national exposure. Success comes from thinking through the process and analyzing each cost carefully.

 

 

Now is a great time to invest in EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESTATE. Interest rates are at an all time low and we can help you finance your purchase or refinance you EVERGREEN COLORADO HOME LOAN (www.aloan2own.com ). Please, call us today at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com . We are THE on stop shop for all your Real Estate needs; from Real Estate, to Commercial, to Financing your new home – WE WILL SAVE YOU TIME AND MONEY.

HOME SALES IN EVERGREEN COLORADO REAL ESTATE

Sunday, August 9th, 2009

HOME SALES IN EVERGREEN COLORADO REAL ESTATE

 

Currently the number of available homes for sale in Evergreen, Colorado for July, 2009 was 582.  The median price for a home was $514,950.  The average price range is from $65,000 with a maximum price of $13.95 million; of course this encompasses land, condo and residential listings.  Although home sale prices for Evergreen have declined somewhat, they are above the national and state averages and their average Days on the Market are about 98.   Home sales, here in Evergreen, are on the rise.

 

Evergreen, Colorado continues to be a desirable area in which to live, with its close proximity to Denver and the mountain ski areas, as well as its abundant wildlife and majestic mountain beauty.  It offers people an escape from the day-to-day rat race of working in Denver and coming home to a place of tranquility and splendor.

 

Evergreen is a small community with that hometown feel.  It’s a comfortable place where you might walk into a grocery store, the drug store or the recreation center and meet someone you know.  

 

With the advent of Fall, Evergreen’s Aspen Trees will be changing their green leaves to various shades of yellow.  As they intermingle among the green pine trees, their vivid shades of yellow seem to standout and make you take notice of just what a heavenly place Evergreen is.

 

So, if you are contemplating a move to Colorado, checkout Evergreen; it’s not just a place to live, but a lifestyle and if that is what you are looking for then here we are.

 

Now is a great time to buy EVEVGREEN COLORADO REAL ESTATE and finance with a low rate EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE. Please, give us a call. We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES (WWW.ALOAN2OWN.COM ). 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.