Posts Tagged ‘MORTGAGE COMPANIES EVERGREEN COLORADO’

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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.

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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.

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BEST BUYERS MARKET QUICKLY DISAPPEARING FOR EVERGREEN COLORADO REAL ESTATE

Tuesday, July 28th, 2009

BEST BUYERS MARKET QUICKLY DISAPPEARING FOR EVERGREEN COLORADO REAL ESTATE

The home sales in Denver went up for the third straight month and we are now down to a 9 month inventory. The median priced home is stable at $299,000.00 and the new inventory is being digested at a normal rate. I don’t know how the Real Estate market is in Las Vegas, or New York, or California but in Denver the sun is shinning again. If you have been waiting to buy at the bottom of the market now is the time. DON’T LET THE BEST BUYERS MARKET IN 40 YEARS PASS YOU BY.

There is still time to buy your dream home. This is the time of maximum advantage. The interest rates are still at historic lows but almost everyone is predicting rising rates as the National Debt tips off an inflationary spiral like the time of stagflation in the 1970’s following LBJ’s spending binge. There are many lenders willing to make some concessions to home buyers in an effort to move their bad investments and balance their books. There is still an $8,000.00 buyers credit until October but will expire then.

YOU CAN DO IT – WE’LL SHOW YOU HOW. Maybe it’s time that you bought that first home for your family. Give us a call. We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES (http://www.evergreencoloradoliving.com ). 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. If You do need to downsize, refinance, or need to make a change let us help; and Don’t forget to register for your FREE HOME BUYER INCENTIVES on our web site.

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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.

 

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GOVERNMENT DEBT DESTROYS THE GOVERNMENTS

Thursday, July 23rd, 2009

GOVERNMENT DEBT DESTROYS THE GOVERNMENTS

 

 INVEST IN EVERGREEN COLORADO REAL ESTATE

 

The old adage that that those who forget the lessons of history are doomed to repeat them has a lot of truth. In our modern era we can examine every country that went down the road of socialism AND sowed the seeds of its own destruction. Cuba, Chile, Japan, the Soviet Union, Cambodia, Nazi Germany, Italy, Greece, etc., and on and on have all faced catastrophic economic failures. Whether it is a communist or fascist socialism make no economic difference – the country is doomed to fail. Now America is blindly and ignorantly running down the same path. The historical fact is that almost 100% of politicians are not leaders and are not even good managers. They all are completely devoid of any practical experience running anything of significance and most have had all common sense educated out of them. The present administration is a perfect example.

 

What we can learn for all the countries that went down the socialist’s road is that the wise and the prudent survived and even prospered, until sanity was again restored. Chile followed the Milton Freeman model of low or no national debt, no Federal Reserve but a true National Bank, and private retirement for its citizens. Chile is one of the most prosperous economies even in this time of global recession cause by Wall Street derivatives and American debt.

 

So how do the strong survive in a period of social economic bingeing? They buy Real Estate. That’s right the landed gentry remain the landed gentry. No matter what happens, if the government does not provide housing the people will be rioting in the street. What you need to do is not bemoan what the socializing of America means philosophically but how have men and women survived and even prospered in similar circumstances in other countries when the social liberals gained control.

 

If You want to invest for the future you need to understand the basic foundations that the system is built on. Please, give us a call and we will show you how to make money in these perilous times. We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES (www.aloan2own.com ) and are Your one stop shop for all Your EVERGREEN COLORADO REAL ESTATE needs. We are also an EVERGREEN COLORADO CUSTOM HOME BUILDER. We know Real Estate, and land, and we know financing; we will work hard to prosper You. 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 our FREE REAL ESTATE OR MORTGAGE BUYER INCENTIVES.

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PROPERTY MANAGEMENT FOR EVERGREEN COLORADO REAL ESTATE

Saturday, July 18th, 2009

PROPERTY MANAGEMENT FOR EVERGREEN COLORADO REAL ESTATE

One of the most profitable investments that anyone can make with their investment dollars is EVERGREEN COLORADO REAL ESTATE rental property. When You structure the deal correctly, itcan be a rich investment opportunity for your future. Why not put us to work researching a profitable deal for you.

We at MARK ENGLISH REAL ESTATE will scout out the best investment properties by examining all the foreclosures, lender owned, short sales, and reduced priced MLS listings.

Next, we will analyze the investment by calculating the P/E and the monthly and yearly Cap rates and compute what kind of down payment is recommended, and arrange for a mortgage loan estimate for you. You can buy the property with an LLC, partnership, personal, and through Your SELF DIRECTED IRA.

We will analyze the rental market and estimate how many class “A” tenants would be interested in renting your new property. We could project the rent receipts into the future and establish the cash flow. We would estimate what repairs and updates would be necessary to keep your property in prime rentable condition.

We will handle the day to day management of the property and keep the home in top shape to rent or sell when and if the time comes.

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, to construction – WE WILL SAVE YOU TIME AND MONEY.

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SELF DIRECTED IRA FOR EVERGREEN COLORADO REAL ESTATE

Thursday, July 16th, 2009

SELF DIRECTED IRA FOR EVERGREEN COLORADO REAL ESTATE

 

Many people are unaware of the availability of a SELF DIRECTED IRA that you can manage completely on your own. You can use this IRA to invest in almost anything including, but not limited to precious metals, oil and gas leases, new inventions and technologies, and Real Estate.

                         

The opportunities in Real Estate are truly endless. You can invest in Residential or Commercial Real Estate, you can invest in mortgages, you can invest in bridge loans or other kinds of notes and you can invest in tax liens or buy second mortgage notes from sellers. If you call MARK ENGLISH REAL ESTATE we will partner with you and show you how to get started. The returns are much higher than any stock dividend and most are true annuities that will pay you a stable income in your senior years.

 

One of the major problems with investing in the stock market is that the large investment houses that control most of the IRA programs are only interested in padding their own pockets. All of them, as is evidenced by their failures, are totally incompetent. They can not make you money and will only milk you for transaction fees and fund management fees, while you keep losing money in your 401k to principal losses and inflation. I would recommend every person who has an IRA to read the prospectus. You will find that a major part of you low or negative return is the management costs. Even a no load is squeezing you for 1 ½ to 2 % a year plus transaction fees.

 

One of the few remaining investments that will legally protect your financial resources is Real Estate. Real Estate is still the best money making investment available. Please, give us a call, and let’s craft a SELF DIRECTED IRA plan for You to profit with, and a plan to keep your profits, in this economy. Contact us at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES; we are your one stop shop for all your EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESTATE needs. We are at 303-674-0148, Email us at markenglishrealestate@msn.com or visit us on the web at www.evergreencoloradoliving.com

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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.

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URBAN LIVING DENVER COLORADO REAL ESTATE

Sunday, July 12th, 2009

URBAN LIVING DENVER COLORADO REAL ESTATE

 

Urban is from the Latin word urbanus which is from the root word urb-s meaning belonging to the city. Urban dwellers are city slickers and enjoy living in the big city environment. The urban life style is centered on the convenience of having all of life’s amenities very close at hand. The old fashioned concept that the city is divided into two parts the business section and the ghetto is wrong.

 

Although Denver does have some poorer neighborhoods the city is safe, easy to navigate, pleasant to walk around with many parks and esplanades winding their way through the city proper.

 

The big difference is whether you love the great outdoors or the great indoors. The urbanite loves the convenience of the bus or the light rail to commute to work or entertainment. They like the sense of community that many developers try to create. Ethnic communities can live close to others that have the same life experiences, shop in ethnic stores and immerse their families in their honored ethnic culture. Others bond themselves with certain amenities that the city offers like LoDo living, the theatre, sports, or entertainment, and neighborhood activities. Seniors have many low cost conveniences like close hospital care, inexpensive public transportation, and the availability of assistance should they require it.

 

So no matter what your preference give us a call at MARK ENGLISH REAL ESTATE and we will find you your piece of paradise. We are Mark English Real Estate and DISCOUNT MORTGAGE (www.aloan2own.com ) and can show you how to make money, and keep Your money, by investing in EVERGREEN COLORADO REAL ESTATE. Now is a great time to invest in EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESATAT. Interest rates are at an all time low, and we can help you finance your purchase, or refinance you EVERGREEN COLORADO HOME LOAN. 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, to Construction – WE WILL SAVE YOU TIME AND MONEY.

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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.

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