Posts Tagged ‘MORTGAGE RATES EVERGREEN COLORADO’

EVERGREEN COLORADO REAL ESTATE

Friday, December 4th, 2009

EVERGREEN COLORADO REAL ESTATE

 

REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

 

Ratification                             The confirmation of an act previously done by the person himself or by someone else.  Confirming a “void able act.”

 

The average American running a household budget can see the folly of all this spending for no real benefit – why can’t government? What you need to do is protect your assets from your government.

Please give us a call; we are concerned about You and Your needs. We will educate You so that You will have the advantage. 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 . Don’t forget to register for Your FREE INCENTIVES on our web site.

HOME BUYERS TOGETHER WE CAN MAKE IT HAPPEN FOR EVERGREEN COLORADO REAL ESTATE

Monday, July 27th, 2009

HOME BUYERS TOGETHER WE CAN MAKE IT HAPPEN FOR EVERGREEN COLORADO REAL ESTATE

 

How much does it cost you to rent your home? In the Denver Area it cost the average renting family about $800.00 a month to rent an apartment, and about $1100.00 a month to rent a single family home. The average home in the Denver Metro area costs $200,000 in today’s buyers market. With a 10% down payment principal, interest, insurance, taxes and mortgage insurance would cost approximately $1800.00 per month. You would get $8000.00 rebate from your Uncle Sam to offset the $20,000 down payment and a tax savings of $362.00 a month if you are in the 29% tax bracket which is average middle class. So we have $1800.00 minus $362.00 so your new house will cost you $1438.00 a month or $338.00 more than rent. But now you own the home.

 

If the house never goes up in value, in 30 years you will own the house mortgage free. You can retire without a house payment. If inflation takes off because of the massive spending of the present administration both nationally and locally in Colorado you will have the best hedge against inflation possible. Any hard asset is the best insurance against inflation because as inflation goes up so will your home.

Although the market has bottomed and homes in Denver are starting to rise, it’s still not too late to buy. 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 (http://www.EvergreenColoradoLiving.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. 

BAILING OUT THE BAIL OUT FOR EVERGREEN COLORADO REAL ESTATE

Thursday, July 9th, 2009

BAILING OUT THE BAIL OUT FOR EVERGREEN COLORADO REAL ESTATE

 

We have reviewed, in other articles, how money is created by banks with the fractional reserve system. The banks need to reserve 10% of the loan amount and then they can loan out 100% of the loan proceeds. They thereby create 90% of the loan balance and infuse it into the economy. When the client spends the loan monies and pays the interest to the local bank the velocity of money in the local economy increases and prospers everybody in the area.

 

The same is true when the Federal Government borrows money from the Federal Reserve and spends the money into the economy. However, when they borrow the money from China and Saudi Arabia the money is created overseas and all the interest and principal goes to foreign lands. The Lions share of the funds is being spent overseas and goes to prosper other countries.

 

What we need is the US government to dissolve the Federal Reserve and start creating the money themselves and loan it to the local banks – after all the Federal Reserve is just creating the money and then loaning it to Uncle Sam. Let’s create the money ourselves. This will infuse cash into our economy, the interest will support legitimate government spending, and we can keep the interest rate (and inflation) at a very low level. In short, we will put America back to work with meaningful employment and create products and services that we can export around the world. Since the cost and availability of money would be cheap and reliable, the efficiencies we lacked in salaries we could make up for in investment capital.

 

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 an EVERGREEN COLORADO MORTGAGE COMPANY 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.

HEALTH CARE – TAXES – AN YOUR FINANCIAL FUTURE WITH EVERGREEN COLORADO REAL ESTATE

Thursday, July 2nd, 2009

HEALTH CARE – TAXES – AN YOUR FINANCIAL FUTURE WITH EVERGREEN COLORADO REAL ESTATE

 

The news drones on each with talk of higher and higher taxes. This cap and trade, by even the most conservative estimates, will cost each person $250.00 to $350.00 dollars each year and steadily rise. That equates to an increased energy burden of $1,000.00 to $1,400.00 dollars per family of four. If you use a lot of electricity because you have electric heat or use you air conditioner in the summer you will pay much more. There will be no more drilling for oil and gas, and OPEC already is raising prices on the assumption that the Obama administration is going to severely curtail all drilling. Many states, like Colorado, have already eliminated most of the drilling on state and Federal land, driving the oil and gas business in Colorado into a major depression.

 

America is finding out that Obama had his fingers crossed behind his back when he said no new taxes. Any logical person knew that America was already bankrupt, and was bankrupt before President Obama arrived in Washington. But “hope springs eternal within the human breast.” Many people I speak to think that some rich guy or gale is going to pay for their free health care. Folks you are that rich guy and gal.

 

While all your fellow citizens are eyeing you income and your assets as a source of their health care, you had better realized that the government is your adversary. The bureaucracy is you enemy and they are passing legislation to confiscate your resources to fund their foolish agenda. You must protect yourself and insulate yourself from the greedy tax man.

 

Investing in Real Estate is the only option for Main Street. It’s the only investment that will shelter you income and your profits. It’s time to return to the fundamentals. If You want to prosper in these tough times you will need to earn a profit, protect it from the IRS, and can’t just depend on stock price speculation, or bond interest which is less than 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.

MORTGAGE RATE AT HISTORIC LOWS FOR EVERGREEN COLORADO REAL ESTATE

Wednesday, July 1st, 2009

MORTGAGE RATE AT HISTORIC LOWS FOR EVERGREEN COLORADO REAL ESTATE

 

The traditional wisdom in any market, at any time, is to buy low and sell high. If You ever thought about buying a home now is the time. Now you can buy low. Now You can finance your mortgage at historically low rates. Now You can fix up, repair, or decorate while all the prices for labor and material are depressed.

 

Zillow, a real estate marketing company, has just published their monthly statistics and are reporting that mortgage rates are at all time lows and have fallen 1.8% in the last month. There is no where for rates to go now, but up.

 

Prices are at the lowest level in years, mortgage interest rates are at historic lows, sellers are willing to help you buy your dream home, and we are here to help. 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.

INVESTMENT PROFITS FROM EVERGREEN COLORADO REAL ESTATE

Friday, June 26th, 2009

INVESTMENT PROFITS FROM EVERGREEN COLORADO REAL ESTATE

 

Today with the reality of catastrophic losses to everyone’s 401K, there is a pressing need to reevaluate you investment strategy. The news from Washington just arrived; Congress and the Treasury will not interfere with the out of control salary compensation for Wall Street stock and bank employees. The reality is that all your IRA contributions and investment profits are being drained off by exorbitant employee compensation. These ridiculous salaries are paid to people who are losing money hand over fist, and they all need to be bailed out by the tax payers. Think about it, the people that are managing Your IRA are losing so much money that they will go bankrupt without You bailing them out!

 

Time and again I have heard how over the long haul everyone makes money in the Stock Market. This is just not true – check it out! The average IRA account lost 68% in the last two years. To recoup that money will take 40 years of profits at the average stock investment return, over the long haul, of 1 ½ to 2 % after inflation. And, of course, if there is another “adjustment” then you will lose even more, or lose again.

 

Isn’t it time you thought about investing your future in Real Estate. Even in this depressed market our investors are still collecting their rents. In fact the rental market is doing quite well. If the property does not increase in value this year investors are still profiting from the rent receipts. Consider this, if the rental home never goes up in value, but the tenant’s payoff the mortgage, then you can collect the rents to fund your retirement on a home that is free and clear of any mortgage. You can also get preferential tax treatment on all you income, unlike an IRA that will be taxed to death because all the taxes have been deferred, not avoided.

 

EVERGREEN COLORADO REAL ESTATE is still the 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.

THE VALUE OF MONEY IN A CHANGING SOCIETY

Wednesday, June 24th, 2009

THE VALUE OF MONEY IN A CHANGING SOCIETY

 

Money is created by the Federal Reserve buying government securities from banks with money they create. The banks then retain a 10 % reserve and loan out a 100 % of the loans value. For example, if you wanted to borrow $100,000 dollars the bank would need a $10,000 reserve and then they would create the other $90,000. So when you pay back the bank the $100,000 and all the interest, the bank keeps the interest and the principal they created – that’s why the banks always have the most prestigious location and the most expensive building in town.

 

So if you took out a $300,000 dollar mortgage for 30 years and then paid it off with the interest you would payback $613,212.12 and the bank would keep all the money except $10,000. They would not owe any investor any of the money if they did not discount and sell the loan. The only value in the $613,212.00 is your promise to repay the loan with interest. If you and your wife earn the average household income last year of $43,000.00 you will work for 14.26 years of your life to repay the bank all the money they just created out of thin air.

 

As our society’s moral character is impacted by the present downward spiral, the feeling of responsibility and obligation to pay loans back has eroded. This is a double edged sword because the banking industry feels no moral obligation to their customers, and now the customers feel just as ambivalent towards the bankers. The government is, of course, the guiltiest. The Fed’s have just spent 55 trillion dollars in frivolous ventures and unfunded mandates, and now are just printing money 24/7.

 

Right now we are trying our hardest to outspend the American Economy. If we succeed, we will only drive ourselves further into national bankruptcy. It is up to us to protect ourselves from the tax storm to come. EVERGREEN COLORADO REAL ESTATE will legally shelter you from the inevitable tax burden on the horizon. 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. And don’t forget to sign up for your FREE BUYER INCENTIVES.

WHAT IS MONEY IN THE EVERGREEN COLORADO REAL ESTATE MARKET

Wednesday, June 24th, 2009

WHAT IS MONEY IN THE EVERGREEN COLORADO REAL ESTATE MARKET

 

Money is the object we use to pay for goods and services we want. Money, in and of itself has no real intrinsic value, other than that it is accepted by the society as an exchange. Once an economy moves beyond the barter system, local custom will establish some form of payment. Money is created by a community when the citizens start to produce an abundance of either goods or services. This is a result of either overall surpluses from boom years or as a result of specialization. How can I accumulate a days labor an exchange it for fuel, or food, or shelter? Well the answer is money.

 

For centuries most money was called Commodity Money because it was either minted out of a valuable commodity like silver or gold, or it was redeemable for something accepted as valuable, like silver or gold. Eventually a civilization grows too big to be carrying large amounts of gold and silver around, so those who store the gold start printing bills or receipts for the gold you have accumulated. Eventually the bills become accepted as money. When that system of storing vast amounts of a precious metal become unrealistic, societies then authorize what is called Fiat Money which has no intrinsic value and can not be redeemed for any precious metals. The American Dollar is Fiat Money.

 

Today, most money is not even printed but is created electronically by the Federal Reserve and their private banking system. The Federal Government does not print or create money any longer, it has given the right to create and control the money to the Federal Reserve, a private bank. The major reason American is bankrupt is because the Federal Reserve creates money and loans it to the government with interest. The American government should be creating its own money and paying itself interest. The interest could then be used to fund government services like defense, intra-structure, and Congress.

 

Mortgage money for buying EVERGREEN COLORADO REAL ESTATE is created when you take out an EVERGREEN COLORADO MORTGAGE. The only value in the money created is Your promise to repay.

 

It’s time to return to good old fashioned American ingenuity and thriftiness, and use what resources you have left to protect yourself and your financial future from the government. A home is a hard asset and is historically the best investment in difficult times. Not only will you make money but You can live in your investment, while you will enjoy special income tax treatment. 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.

BABY BOOMERS WAKE UP

Monday, June 22nd, 2009

BABY BOOMERS WAKE UP 

 

It has been reported over and over again that all the Baby-Boomers are at the retirement age and that Social Security, Medicare, and Medicaid are headed for bankruptcy. Congress has stolen ALL, YES ALL the money out of the SSI trust fund. Medicare and Medicaid have been so mismanaged that many hospitals and doctors will not accept them as a medical insured anymore.

 

Any Baby-Boomer that has a private IRA or Retirement fund tied to the stock and bond markets will have to factor in the rising inflationary spiral that has already begun to deteriorate the value of the dollar. China has requested the IMF to create a global currency to hedge them against the inflationary devaluation of the dollar. They do not want to be paid back by Your Uncle Sam in undervalued, inflated dollars. The dollar has lost 30% of its value in the last few years. At the present rate retirement worth a million dollars in 2001 will be worth less than $490K in 2015, and will continue to fall at the same alarming rate!

 

The only solution is to invest where you will benefit from inflation and not get seriously hurt. Buying Real Estate Rental properties will produce a steady income, keyed to inflation. When inflation goes up your will smile because your income property also went up in value.

 

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 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. 

GETTING A MORTGAGE ON EVERGREEN COLORADO REAL ESTATE

Monday, June 22nd, 2009

GETTING A MORTGAGE ON EVERGREEN COLORADO REAL ESTATE

Most people think that when they but a home that they get a mortgage from the loan company. The reality is quite to the contrary, the home owner gives a mortgage to the lender. The lender in turn gives the buyer the money to pay for the house. Mortgages are given freely by the home buyers, because otherwise they could not afford the purchase. The mortgage is a contract between the buyer and the lender, and like any contract the state has a compelling interest in enforcing any contract or risk economic chaos in the market place.

Now there is a big push by the government to force lenders to renegotiate the terms of a mortgage contract because the home owners are in trouble. It seems that our Uncle Sam will bail out a million dollar a week CEO but not John and Mary Main Street. Instead, they want to force a private company to continue to pay their wholesale money provider, while the retail customer is freed from their obligation. This will catch the local lender in the middle and drive them into bankruptcy. In fact many hard working, legitimate local companies have been put out of business. If the government wants to bail out the homeowner, than they should subsidize the borrower themselves. When they bankrupt local companies they put citizens out of work, and hurt other businesses that provided goods and services to these enterprises.

The Real Estate industry is still a vital ingredient of our economy and it is dependent on mortgage lenders to finance Real Estate purchases. We are Mark English Real Estate and DISCOUNT MORTGAGE SERVICES 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 your 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.