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Federal Trade Commission -- Search: Facts for Consumers PDF Version Looking for the Best Mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain Information from Several Lenders Home loans are available from several types of lenders— thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you're getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers' advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees. A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate , or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain All Important Cost Information Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. Ask whether the rate is fixed or adjustable . Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. Ask about the loan's annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. Check your local newspaper for information about rates and points currently being offered. Ask for points to be quoted to you as a dollar amount—rather than just as the number of points—so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees , broker fees, and transaction , settlement, and closing costs . Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates. Ask what each fee includes. Several items may be lumped into one fee. Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet in this brochure. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans . If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. Ask about the lender's requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Ask your lender about special programs it may offer. If PMI is required for your loan, Ask what the total cost of the insurance will be. Ask how much your monthly payment will be when including the PMI premium. Ask how long you will be required to carry PMI. Obtain the Best Deal That You Can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage . When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You'll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There's no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you'll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. The Mortgage Shopping Worksheet that follows may also help you. Take it with you when you speak to each lender or broker and write down the information you obtain. Don't be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal. Fair Lending Is Required by Law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant's income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems? Still Shop, Compare, and Negotiate Don't assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don't assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it's a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: (800) 685-1111 TransUnion: (800) 916-8800 Experian: (888) EXPERIAN (397-3742) Glossary Adjustable-rate loans , also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly know as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys' fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. This brochure was prepared by the following agencies: Department of Housing and Urban Development Department of Justice Department of the Treasury Federal Deposit Insurance Corporation Federal Housing Finance Board Federal Reserve Board Federal Trade Commission National Credit Union Administration Office of Federal Housing Enterprise Oversight Office of the Comptroller of the Currency Office of Thrift Supervision These agencies (except the Department of the Treasury) enforce compliance with laws that prohibit discrimination in lending. If you feel that you have been discriminated against in the home financing process, you may want to contact one of the agencies listed above about your rights under these laws. For more information on home lending issues , visit www.consumer.gov , write to the Consumer Information Center, Pueblo, CO 81009 or visit the Center's Web site . The following brochures are available from the center: A Consumer's Guide to Mortgage Lock-lns A Consumer's Guide to Mortgage Refinancing Buying Your Home: Settlement Costs and Helpful Information Consumer Handbook on Adjustable Rate Mortgages Guide to Single Family Home Mortgage Insurance Home Buyer's Vocabulary Home Mortgages: Understanding the Process and Your Rights to Fair Lending How to Buy a Home with a Low Down Payment How to Dispute Credit Report Errors The HUD Home Buying Guide When Your Home Is on the Line Mortgage Shopping Worksheet Lender 1 Lender 2 Name of Lender Name of Contact Date of Contact Mortgage Amount Basic Information on the Loans Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Type of Mortgage: Fixed rate, adjustable rate, conventional, FHA, other? If adjustable, see below. Minimum down payment required Loan term (length of loan) Contract interest rate Annual percentage rate (APR) Points (may be called loan discount points) Monthly Private Mortgage Insurance (PMI) premiums How long must you keep PMI? Estimated monthly escrow for taxes and hazard insurance Estimated monthly payment (Principal, Interest, Taxes, Insurance, PMI) Fees Different institutions may have different names for some fees and may charge different fees. We have listed some typical fees you may see on loan documents. Application fee or Loan processing fee Origination fee or Underwriting fee Lender fee or Funding fee Appraisal fee Attorney fees Document preparation and recording fees Broker fees (may be quoted as points, origination fees, or interest rate add-on) Credit report fee Other fees Other Costs at Closing/Settlement Title search/Title Insurance For lender For you Estimate prepaid amounts for interest, taxes, hazard insurance, payments to escrow State and local taxes, stamp taxes, transfer taxes Flood determination Prepaid Private Mortgage Insurance (PMI) Surveys and home inspections Total Fees and Other Closing/Settlement Cost Estimates Mortgage Shopping Worksheet - continued Lender 1 Lender 2 Name of Lender Other Questions and Considerations about the Loan Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Are any of the fees or costs waivable? Prepayment penalties Is there a prepayment penalty? If so, how much is it? How long does the penalty period last? (for example, 3 years? 5 years?) Are extra principal payments allowed? Lock-ins Is the lock-in agreement in writing? Is there a fee to lock-in? When does the lock-in occur -0 at application, approval or another time? How long will the lock-in last? If the rate drops before closing, can you lock-in at a lower rate? If the loan is an adjustable rate mortgage: What is the initial rate? What is the maximum the rate could be next year? What are the rate and payment caps each year and over the life of the loan? What is the frequency of rate change and of any changes to the monthly payment? What is the index that the lender will use? What margin will the lender add to the index? Credit life insurance Does the monthly amount quoted to you include a charge for credit life insurance? If so, does the lender required credit life insurance as a condition of the loan? How much does the credit life insurance cost? How much lower would your monthly payment be without the credit life insurance? If the lender does not require credit life insurance, and you still want to buy it, what rates can you get from other insurance providers? The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. January 1999

Denver Real Estate Leads

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Sell House

For Sale By Owner, homes for sale, houses, real estate, for sale - ForSaleByOwner.com Sell a Home Buy a Home Services Mortgages City Profiles Appraisals Service Directory Foreclosures Mortgages Service Providers Appraise Your Home Moving & Relocation Home Improvement Title Company Search Insurance Lawyers Virtual Tours Home Builders Real Estate Agents Research What is FSBO? City Profiles City Comparisons School Reports Crime Comparisons Salary Calculator Cost of Living Comp. Home Sale Prices Tools Free eBook DIY Software Mortgage Calculators Home Selling Guide Home Buying Guide Ad Writing Tips Real Estate Forms Home Buying Checklist Utilities Connections Your Credit Report Glossary Real Estate News Edit Your Ad Modify Your Ad Cancel Your Ad Upload Photos Help/FAQ BUYING A HOME? Search the largest real estate database of For Sale By Owner homes for sale! City State AL AK AB AZ AR BC CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MB MD MA MI MN MS MO MT NE NV NB NH NJ NM NY NF NC ND NT NS OH OK ON OR PA PE PR QC RI SK SC SD TN TX UT VT VA WA WV WI WY YT Int Zip Listing ID SELLING A HOME? "We sold two homes fsbo with your service (totaling nearly $500,000), which saved us $30,000 in commissions! We owe it to ForSaleByOwner.com - don't change a thing!" - The Chapmans, Virginia Home Selling Testimonials » For Sale By Website "When Chris Gaydos decided to sell his Baltimore home this summer, he didn't want a penny less than $263,000. After a real estate agent said $245,000 was the best he'd get, he bought a FSBO listing at ForSaleByOwner.com . A month later, he got the offer he wanted, and pocketed $7,000 by cutting out the middleman." Why use For Sale By Owner.com? For Sale By Owner makes selling a home on your own easy. We sell the most houses for sale by owner, proving our house selling strategies sell more homes than any site in home selling. Moreover, your home's selling price is determined by you, not a real estate broker who takes a 6% fee for selling your home. Proven Home Selling Record Since 1997, For Sale By Owner has helped sell thousands of houses, saving home owners billions of dollars in real estate commissions. ( click here for more details ) Unparalleled Exposure We are among the top-five most visited real estate sites in the world and the largest "For Sale By Owner" homes for sale site. ( For Sale By Owner.com statistics ) Easy to Use For Sale By Owner makes home selling a sellers dream. We provide the best customer service in the industry with 24/7 support and a comprehensive "Home Selling" guide for selling a home yourself. ( for a guide on selling your home click here ) Affordable Prices For Sale By Owner provides several packages to suit your individual needs. 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In-Spain.info - Buying Property in Spain, Real Estate in Spain Buying propery in Spain - Spain real estate - Buying Villas in Spain - Property in Spain - Moving to Spain You are here: Home > Special Features > Buying Property in Spain Search this site with Google: Web in-spain.info Tell a friend about this site We will publish your articles for free! If you would like to see one of your articles featured on this site, we will publish it for free, giving you full credit for the article, and a free link back to your website ! Find out more details here >> Buying Property in Spain Spain is a very attractive place to buy property. The weather is great and the lifestyle is better than most places in Europe! For those wanting to invert in real esate, however, the road can be troublesome at Best. To help you along a bit we have teamed up with Ann Knight to provide you with some excellent advice for buying property in Spain. Ann's 10 tips for buying property in Spain: Choosing the right location Buying as an investment Must I use an agent to handle my spanish property purchase? Must I use an lawyer to handle my spanish property purchase? Buying "off-plan" from an agent or developer Getting to grips with the language Retiring in Spain Buying within a community of owners Costs of buying a Spanish property And finally.... Ann Knight is an award-winning British journalist, who lives in Spain and has 15 years' of experience in navigating the murky waters of the Spanish housing market. She is also the author the popular ebook - "What the Agents and Developers DON'T Want You to Know About buying property in Spain". Ann's ebook is available here to buy for £15.95 and is packed full of more good impartial advice from her and people who have 'been there and done it'. What's more - if you are not completely satisfied with the book, you will get a full refund! Content for these pages is © Ann Knight , all rights reserved. Related Links Andalucia Real Estate - Property for sale in Andalucia. Buying a property in Spain - Ann's own site promting her book. Houses for sale in Costa Blanca - Real estate agent selling homes and properties in the Costa Blanca area. Properties In Europe - European property portal with a searchable database of properties to buy and rent in France, Spain, Italy and Portugal. Includes for French, Spanish, Italian and Portuguese properties. Your Ad Here Book your holiday: Hotels in Spain Car Hire in Spain Organised Tours in Spain Buying property in Spain Choosing the right location Buying as an investment Must I use an agent? Must I use a lawyer? Buying "off-plan" The importance of learning Spanish Retiring in Spain Buying with a community Costs of buying And finally .... Map of Spain Spain - Home | Spain at a glance | Spain region guide | Best of Spain | Learn Spanish Phrases | Special Features | Hotels in Spain | Map of Spain All content © 2003 In-Spain.info All Rights Reserved. If you notice any errors on this site, please report them to webmaster@in-spain.info . You can add a link to this site here. Site Map - Useful Travel Links - Spain related links Looking for car hire in Malaga and Andalucia? Try Malaga car hire for great deals! Looking for hotels in Marbella and the rest of the Costa del Sol? Try Hotels in Marbella for top savings!

Colorado Real Estate Search

Breckenridge real estate, Frisco and Summit County, Colorado real estate, resort homes, condos, townhomes and land for sale - NUMBER1EXPERT(tm) Breckenridge, Frisco and Summit County real estate and homes, ski condos and townhomes for sale in Colorado - Susan Gunnin,REALTOR® - NUMBER1EXPERT™ Pop-Up Window" WIDTH="89" HEIGHT="21" All agents are NOT alike! Find out why I am a top real estate expert. Call me: 800-289-7005 Ext. 341 Request My Free Relocation Package! Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate! Find Out More > View All Offers > The Highest Level of Service Thank you for all you did for me. Frank B., Colorado Read Quote > View All Quotes > Compare three mortgages at one time. Download TripleCalc now. It's free. Find Out More > Download Now > Susan Gunnin is one of The Top Selling Real Estate Experts™ Find Out More > Welcome! Here You Can Find Great Information on Breckenridge, Frisco and Summit County, Colorado Real Estate Search Breckenridge MLS Search my Feature Listings Sign up for new Breckenridge listings, emailed to you daily! There's a good chance that you arrived at my web site because you've experienced Summit County personally and you now you want to learn more about the possibility of property ownership here. To get really current information, check out my new blog site. Maybe you're looking for that perfect second home, resort property, investment property, vacation home, ski condo or townhome, vacant land, rental property. One with mountain views, ski-in/ski-out, close to national forest, or fishing streams. If so, you can find it right here on my web site. You probably need local real estate information or you want to learn about the Breckenridge real estate market and why Summit County is such an incredible place to own property. I have over a decade of experience helping folks buy and sell real estate here. To make intelligent decisions, you need expert advice. No web site, large or small, can take the place of a top Realtor. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best property available within your price range. And together we will find your home. Buying and selling real estate is one of the biggest events in your life. As a top Breckenridge Realtor, I have the experience and track record you are looking for. Please let me help. - Susan Gunnin From time to time I will present exceptional opportunities in the space immediately below Lomax Estates A rare, ski-access building lot opportunity Adjacent to the Skyway Skiway Best priced ski lots on the market Easy access to Four O'Clock Run and the Snowflake Lift Private cul-de-sac Click on image for complete info About Summit County Located about 60 miles west of Denver on I-70 smack dab in the middle of Colorado's glorious Rocky Mountains, Summit County is in a valley surrounded on the east and south sides by the Continental Divide, and on the west side by Vail Pass. Entrance to Summit County from Denver is through the Eisenhower Tunnel, a mile and a half long tunnel through the Continental Divide some 11,500 feet above sea level. Read about this highest tunnel in the world. Hoosier Pass defines the southern edge of Summit county, about 10 miles south of Breckenridge. It, too, is a pass over the Continental Divide which is the watershed separating water flows to the Atlantic Ocean on the east side and the Pacific Ocean on the west side. Hoosier Pass, at 11,500 feet, forms the headwaters of the Blue River, which, when it flows out of Dillon Reservoir, is one of the most beautiful and pristine, Gold Medal trout fisheries in the country. Traveling along Interstate 70, the western edge of Summit County is Vail Pass, at about 10,600 feet. About 15 miles beyond Vail Pass is the city of Vail which hosts the most popular ski area in North America. Breckenridge is the county seat for Summit County, and home of one of the most popular ski areas in the country. There are three other ski areas -- Keystone, Copper Mountain and Arapahoe Basin in Summit County, and Vail Resort is about 25 miles west. Frisco , Dillon and Silverthorne are principal towns in Summit County and provide a variety of real estate opportunities which I would be happy to help you with. Peruse my web site and then contact me for that dream resort property. "A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Colorado Public, Private and Charter Schools : Compare them using these top-rated, comprehensive reports. Schools in Breckenridge, Frisco and Summit County Working With A Realtor What Is CRS, GRI? CRS, which stands for Certified Residential Specialist, is a designation that recognizes a high level of professional accomplishments in real estate experience and education. The Residential Sales Council grants the CRS designation only to the most outstanding sales associates in the residential sales field. Besides the completion of a rigorous course of study, the candidate must be able to demonstrate 75 successful transactions or average sales of $1 million per year of experience. Only 4% of all real estate agents are awarded the CRS designation. GRI stands for Graduate, REALTOR Institute. The REALTOR Institute offers a series of 90 hours of required and elective courses conducted by the local Board or Association of REALTORS. These courses cover all areas of real estate -- residential, investment, construction and mortgage. The GRI designation is a prerequisite of many specialized courses in the REALTOR organization. See All Tips In The "Working With A Realtor" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories > Q What is the highest altitude hotel in the world? A The Hotel Everest View sits at the record altitude of 3,962 feet above sea level, in the rarified atmosphere of Namche, Nepal, the village closest to the Mount Everest base camp. See More Real Estate Trivia > See the Nation's Top Rated: School Reports - Public, Private & Charter > Get My Latest Listings Before Anyone Else! As soon as I list another home for sale, I'll email you. You'll know first. Name: Email: Find Out More > Susan Gunnin RE/MAX Properties of the Summit 220 S. Main Street; P.O. Box 4600 Breckenridge, CO. 80424 Toll Free: 1-800-289-7005 Ext. 341 Local: 1-970-453-7000 Ext. 341 Denver Direct: 1-303-278-7000 Cell: 1-970-389-0182 Fax: 1-970-453-7364 Email: breck4sale@NUMBER1EXPERT.com Susan is a top producer specializing in the ski resort town of Breckenridge, as well as the surrounding area. Susan specializes in mountain homes, ski condos, investment properties and vacant land; she provides old-fashioned service with state-of-the-art technology to help you any way she can. With over ten years of experience with buying, selling, and developing real estate, Susan's clients have come to expect the best. Representing both buyers and sellers, and giving all clients an indepth consultation on all aspects of the the real estate transaction, Susan is your BEST choice in real estate. Call or email her today! www.breck4sale.com isbrought to you by Susan Gunnin NUMBER1EXPERT ™ in real estate,ski condos and townhomes for Breckenridge, Frisco and Summit County, Colorado Read My Privacy Guarantee , Terms of Service ,and Free & Without Obligation Pledge Colorado Real Estate Agents - Homes - NUMBER1EXPERT™ Listings Some real estate agents outsell others 10 to 1. NUMBER1EXPERTS average a staggering 73 properties sold per year. How good is YOUR real estate agent? © Best Image Marketing and/or its clients. All rights reserved. All information deemed reliable but not guaranteed. This site is a member of WebRing. To browse visit Here . JUMP TO: WELCOME | FIND HOMES | FOR BUYERS | FORSELLERS | LOCAL INFO | RESOURCES | ABOUTSUSAN GUNNIN WELCOME: Breckenridge Real Estate, Ski Condos and Townhomes Welcome: Return to welcome/home page ABOUT SUSANGUNNIN: Who Am I?: Who is Susan Gunnin of Breckenridge, Frisco and Summit County, Colorado? Susan's Family Photo Album: Photos of Susan's family My Professional Resume: Susan Gunnin's Breckenridge real estate career in home buying & selling in Colorado Testimonials: What Susan Gunnin's clients are saying about this top Realtors real estate marketing Quick Response Guarantee: Susan Gunnin guarantees a quick response to your email request for more Colorado home buying & property selling information Privacy Guarantee: Susan Gunnin guarantees this Breckenridge real estate web site will respect your privacy No Obligation Guarantee: Susan Gunnin's real estate help by email is free & without obligation for Breckenridge home owners in Colorado For Realtors: Let Susan Gunnin help you with your professional real estate broker and agent needs in the Breckenridge area About NUMBER1EXPERTS: NUMBER1EXPERTS are top real estate professionals, find out more Contact Information: How to contact Susan Gunnin, Breckenridge real estate agent FIND BRECKENRIDGEHOMES, ski condos and townhomes: Feature Homes: Homes, properties, & other real estate in Breckenridge and Colorado with virtual tours, photos, and more Search All Local Listings: Search all Breckenridge area MLS listings in Colorado from real estate brokers National Listings Databases: Homes for sale in national American USA web site listings databases of properties New Construction: New homes for sale, new construction and newly built properties and real estate subdivisions Unique & Luxury Homes: Home buyers, find luxury homes, real estate, beach front properties, mansions, & acreage/land for sale on these top national & international listings web sites International Properties: Find international homes for sale on these international/global real estate web sites from Canada, Europe, France, Germany, UK, Great Britain, Spain, Italy, Asia, Africa, and beyond Search ALL the Experts' Homes: Search the best local homes for sale from all the real estate experts, agents, Realtors, and brokers BRECKENRIDGEINFO: About Breckenridge: Moving to Breckenridge, Frisco and Summit County, Colorado? Get info here... Relocating?: Free real estate information & relocation package if you're relocating to Breckenridge, CO School Information: Breckenridge schools and the education system in Colorado: kindergarten, elementary, high schools, colleges & universities Local Maps & Links: Breckenridge maps & local/Colorado web site links for news & media, TV stations, radio stations, daily Breckenridge newspapers, transportation, airports & bus terminals, Colorado & local government, and more Local Weather: Weather in Breckenridge, Frisco and Summit County, Colorado: spring, summer, winter, and fall climate changes Breckenridge Photo Gallery: Tour Colorado in pictures REAL ESTATERESOURCES: Special Offers: Special offers for Breckenridge homeowners from Susan Gunnin, top Realtor Monthly Payments & Schedule: Monthly loan payments java mortgage calculator How Much Can You Afford?: Calculate how much home you can afford with this financial calculator Determine Tax Savings: Calculate how much your monthly Breckenridge, Frisco and Summit County, Colorado mortgage payments save you on your taxes because of loan interest Should You Rent or Buy?: Is it better to rent a home in Colorado or buy your own Breckenridge house, ranch, luxury property, condominium, acreage, or other real estate? Adjustable Rate Mortgages: Adjustable rate Breckenridge mortgages information and interest rate java calculator What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. 15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. What's Your Maximum Mortgage?: This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. Will Buying Points Save You Money?: This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Experts: Real estate, homes for sale, and other properties: links in Colorado, United States and Canada TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Colorado real estate Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more Direct Links: Direct real estate links to web sites mentioned in this Breckenridge, Frisco and Summit County, Colorado site Link Partners: Link Partners page for Breckenridge, Frisco and Summit County, Colorado Ask Anything: Ask Susan Gunnin anything real estate NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale Real Estate Tips: Susan Gunnin's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers Real Estate Trivia: Susan Gunnin's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Breckenridge property in Colorado, including legal terms definitions, and more FOR HOMEBUYERS: Why Buyers Choose Me: Why homebuyers in the Breckenridge area choose Susan Gunnin as their Realtor Second-Home Buyers: Are you relocating? Buying a second home? Susan Gunnin can help Latest Listings: Get Susan Gunnin's latest Breckenridge listings of homes for sale first! Find Your Perfect Home: Susan Gunnin will search for your ideal home and email you the newest Breckenridge MLS listings of properties First Time Homebuyers: Are you a first time homebuyer in Breckenridge, CO? As a top Realtor, Susan Gunnin can guide your home buying search Mortgage Prequalification: Pre-qualify for a mortgage or loan for your Breckenridge house or other real estate or property FOR HOMESELLERS: Why Sellers Choose Susan Gunnin: Why home sellers in Breckenridge choose Susan Gunnin Free Presentation: Free in-home listings presentation on marketing your Breckenridge, Frisco and Summit County, Colorado property Property Valuation: How much is your Breckenridge home worth? What Did That Home Sell For?: What did that Breckenridge, Frisco and Summit County, Colorado property or other real estate sell for? FSBO: Selling your Breckenridge real estate on your own? Return to Top > Breckenridge Real Estate, Ski Condos and Townhomes