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Search Denver MLS real estate; Colorado relocation information Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] only search Denver Real Estate Site Denver Real Estate Listings Never miss out on a new property again! Your criteria needs to be input to the following forms. Once completed the entire data base of the Denver Metro List will be searched. You will NOT receive an immediate response. The data is sent to a third party company, hired by me; you will receive and e-mail with the matches that fit your criteria. Hints for submitting; Try not to be VERY specific when inputting lot size, age, square footage. If you have any questions at all, e-mail me for assistance. In a short time I can help you, saving you time and trouble! Be precise with your e-mail address Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog
Selling Home
MSN Money - 6 reasons your home isn't selling MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend Tap your home for extra cash Mortgage rates in your area Your credit score in seconds Home mortgage FAQs Find It! Article Index Finance Q&A Tools Index Site Map Recent articles by Bankrate.com: • Will I lose my frequent-flier miles? , 10/6/2005 • Should you insure your airline tickets? , 9/26/2005 • 10 after-the-disaster do's and don'ts , 9/21/2005 More... Related Articles Speed your home sale with these fast fix-ups The hidden financial truth about remodeling Smart -- and stupid -- ways to pay for your remodel The Basics 6 reasons your home isn't selling advertisement So, you're in agony because your home has languished on the market week after week. Here are some culprits that may be keeping buyers away in droves. By Bankrate.com Has your lawn grown up around that "For Sale" sign? Have the wasps moved into the lock box on your front door? Did you just receive an invitation to your real estate agent's retirement party? If so, chances are your home sale fizzled. Here are the six most-common reasons why homes don't sell and what you can do about it. Your home is overpriced Optimistic home sellers love to parrot the old adage, "There's a buyer for every home." But they often leave off the qualifier: "at the buyer's price." Find a loan that's right for you at the Loan Center The fact is that buyers, not sellers, ultimately determine the market value of a home. You can ask for the moon and set your listing price well above comparable properties in your neighborhood, but at some point it will be up to you, the seller, to accept what the buyer thinks your home is worth. Overpricing is the most common reason homes don't sell. When you ask an unrealistic price, it sets in motion a process that often works against you. Here's why: Most real estate agents, and hence most qualified buyers, will see your new listing within 30 days. If it is overpriced by as little as 5%, it will be duly noted and interest in your property will wane, especially if you show no intention of coming off your asking price. You likely already priced out buyers who might have qualified for financing at a more reasonable price. Even if you manage to find a buyer at your inflated asking price, the property may not appraise at that figure and the financing will fall apart. Your real estate agent may have approved or even suggested the inflated asking price to secure your listing. Conversely, other agents often use overpriced properties like yours to help sell their own listings. ("Here's what they are asking. Now would you like to take a second look at that first house I showed you?") "If you have a house that really should be priced at $200,000 and you've got it listed at $260,000, you are trying to compete against homes that really are worth close to $300,000 and all of a sudden your home really is not competing well," says Jeri Fisher of Jeri Fisher Real Estate in Missoula, Mont. "You want to compete with what is available out there among homes similar to yours." If your home remains on the market for too long, agents and buyers may begin to wonder if there are other, perhaps more serious reasons why it isn't selling. "It becomes shopworn, the same as a jacket hanging in the store week after week," says Fisher. "People are aware that it has been on the market a long time and agents stop showing it." Your home doesn't 'show' well Your home is competing against shiny new houses in those pristine subdivisions out in the suburbs with their attractive prices, incentives and community amenities. Face it: Even the best old house needs a little makeover if it hopes to attract a qualified buyer. The good news is most of the work will be cosmetic and relatively inexpensive: a new coat of paint, a few attractive window boxes, a thorough cleaning of floors and carpets. Voila! The place may look good enough to reconsider. A good real estate agent can advise you on where your time and money are best spent. "Price and condition are two things that the seller can do something about," says Fisher. "I always give people my 'honey-do' list. I think paint is probably a seller's best friend because it makes things smell fresh and look fresh. If it's time to paint, it's time to paint. It's the best return on investment." You're in a bad location Nothing has a greater effect on your home's value than its location. Your humble abode might be worth a king's ransom were it located in Palm Beach, Aspen or San Francisco. It might even jump thousands in value just two streets over in the next (and far superior) school district. "If you're in one of the higher-ranked schools around here, you're going to add $50,000 to $100,000 to the price of the same house," says Lenn Harley, a broker with Homefinders.com Inc. in Maryland and Virginia. The point is, location rules in real estate. If your home's location is less than desirable, your options are somewhat limited. A good real estate agent will do his best to help you accentuate the positive and eliminate the negative of your circumstances, say by using foliage to screen off offensive adjoining properties or dampen traffic noise. The best way to compensate for a poor location is to reduce your asking price or offer attractive incentives such as seller financing or a lease option with rent credit. You have a lousy listing agent Yep, they exist: Real estate agents who mislead, misfire and misbehave. Their bad advice can cost you plenty in time, money and the sheer hassle of keeping the place show-ready 24/7. The agent from hell will allow you to overprice your home ("Here's what I can get for you if you list with me!"), not market it properly, fail to screen for qualified buyers, be unresponsive to interest from other agents (if they sell their own listing, they don't have to split the commission) and keep you totally in the dark throughout the process. What's more, if your agent is abrasive, arrogant or otherwise difficult to work with, other agents may not want the hassle of showing any of their listings to prospective buyers. You are battling competition or market conditions We've all heard the terms "buyer's market" and "seller's market." In real estate, market conditions are affected by any number of external forces, some of them predictable (the weather, sort of), some of them unpredictable (the local economy, interest rates, public optimism or pessimism). In a "hot" or seller's market, homes go fast. Inventory (homes on the market) may be low, meaning less competition for you. Chances are better that you will get your asking price in a hot market; in fact, it is not uncommon to even be offered more than your listing price. But in a "flat," "cold" or buyer's market, sales slow to a trickle, inventories grow and buyers can find bargains, especially when they know the seller is motivated (i.e., paying on two mortgages). If you're trying to sell in a flat market, you're not only competing against all that vacant new construction, but against rentals as well. In this case, be prepared to settle for less than top dollar, or wait to sell until the pendulum swings once again in your favor. You have ineffective marketing Gone are the days when an agent could simply place your listing with the local multiple listing service, hold a halfhearted open house and wait for another agent to bring forth a buyer. Today's top performers launch a multilevel marketing plan that includes listing tours for area agents, newspaper and even TV ads, weekend open houses, listing fliers and placements in local real estate publications. Computers and the Internet also have changed the face of real estate. According to the National Association of Realtors, today more than one-third of all home buyers use the Internet for house hunting. The best real estate agents are computer-savvy. They have your listing in color on their laptops to show clients and communicate frequently via e-mail, a particular boon when working with out-of-town buyers. Suffice it to say that if your real estate agent isn't listing your home online through the company Web site as well as with the local MLS, you may not be getting the exposure necessary to find a buyer. "There are those who just put the listing in the multiple and pray it will sell and those that put a lot of effort into marketing their listings," says Fisher. "Unfortunately, with this weird system of compensation we have, they all get paid the same, whether they know nothing or have many years of experience." 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Land Loan With a
15-Year Fixed Rate Land Loan Thursday, December 29, 2005 Serving our 'Fire Family' since 1935 ©2005 Los Angeles Firemen's Credit Union 15-Year Fixed Rate Land Loan With a fifteen year term, you'll have a shorter loan life and pay less in interest than a thirty year term. And, if a low payment is not a priority, then you'll receive a greater savings benefit from a lower rate. Features: No fees 15-year fixed rate loan 50% loan to value $359,650 loan limit 45 Day Rate Lock from date of completed application Only two (2) land loans permitted per household Available in all states that the Credit Union currently lends in, subject to verification of all applicable State laws > Apply Now > Check Rates This loan is a 15-year fixed rate loan, 50% loan to value with a limit of $359,650 (secondary market conforming loan limit.) Loans may not be used for business purposes and may not be located in a commercial or manufacturing area. Rates are subject to change daily. A one-point fee, if applicable, is based on the loan amount. Year-end rebates may apply at the discretion of the LAFCU Board of Directors. Participation in this program will not be confirmed until the completed application has been submitted to the Real Estate Department. All requests will be processed and must meet LAFCU's underwriting guidelines. Funding of these loans is subject to credit approval and verification of employment, equity, and all other related file documentation necessary to qualify applicant(s). The principal and interest payments for a 15-Year Fixed Trust Deed Land Loan in the amount of $180,000 at 7.75% results in monthly payments of $1,694.66. Mortgage Loans > Check Mortgage Rates > First Trust Deeds > Second Trust Deeds > Home Equity Lines > 7/23 > 15 Year Fixed > 15 Year Fixed Land Loan > 20 Year Fixed > 30 Year Fixed > Construction Loans > Non-owner occupied properties > Vacation / 2nd Home > Rental / Investments
Rental Property
Luxury Vail Vacation Home Rentals :: Vail Vacation Condo Rentals Vail Activities Make Sure To Ask About The Peak Properties Vail Cookbook! Exclusive Vacation Rentals Vail Colorado Rental Properties Planning a vacation? Colorado has a wide variety of both indoor and outdoor activities and Vail tops the list of vacation hot spots! With amazing skiing, hiking, biking, dining, shopping and sight-seeing Vail, Colorado offers real world charm in a relaxing atmosphere. Peak Properties proudly offers an impressive portfolio of Vail Valley vacation rentals. From well appointed condominiums , to luxurious private residences with prestigious addresses, Peak Properties is your home away from home. Our dedicated staff will work with you to ensure a memorable vacation experience. Whether you are planning a winter/spring ski trip or a visit during the beautiful summer months, Peak Properties is able to fulfill your lodging needs year round. Let us make your dream vacation a reality. Come experience all that Vail has to offer, from the legendary Back Bowls to award winning cuisine, boutiques, spas and art galleries, Vail has it all. We are delighted to have the opportunity to welcome you to Vail, Colorado as our guest, and we look forward to assisting you in planning the perfect Rocky Mountain vacation. Featuring a full concierge service, we are happy to accommodate your every request. Enjoy the very best that a Vail, Colorado vacation has to offer in one of our unique condo or home rentals . We have added property ratings to all of our properties. Each of our rental properties was inspected by the Vail Valley Chamber & Tourism Bureau and rated based on the Lodging Quality Assurance Program guidelines. Properties are given ratings based on the interior room quality. View an explanation of property ratings . Let Our Vail Condo or Vail Vacation Home complete your Colorado Vacation VAIL COLORADO PROPERTY MAP - LOW QUALITY VAIL MAP .PDF / HIGH QUALITY VAIL MAP .PDF Vail Homes | Vail Condos | Rental Rates Book Online | Concierge | | Contact Us Contact Us | Partners | Careers | Disclaimer | Privacy Policy © 2004 Peak Properties. All Rights Reserved. .
Selling Home & Garden
10 Steps to Take Before You Sell Your House - Home Selling You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > 10 Steps to Take Before You Sell Your House - Home Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses Search Home Buying / Selling Stay up to date! Email to a friend Print this page More Home Selling Articles Understanding Material Facts and Property Disclosures Get Ready for Your Home Inspection Should You Buy a Home Warranty? More Home Selling Resources How to Read the HUD-1 Settlement Statement Getting the House Ready to Sell How To Measure Your Square Footage Recent Discussions Excellent credit, no savings- help!! Buying an out of state home ? Re-financing... Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping 10 Important Steps to Take Before You Sell Your House From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Essential Home Selling Preparations The home selling process differs from state to state, but there are some important steps that most home sellers should take before listing a house with an agent or selling it for sale by owner. Every bit of prep work you do helps you get the most return from your investment. 1. Get Pre-Approved for a Home Loan I've known sellers who signed a contract to sell their house before they knew if they were qualified to buy another. Either their financial circumstances had changed since their last purchase, and they could no longer qualify for a loan, or they weren't able to sell at a price that allowed them to buy the type of replacement house they wanted. They ended up renting or buying something that was far from ideal. Before you decide to sell the house, get pre-approved by a lender you trust and research the housing market in the area where you wish to live so that you have a good idea how much it will take to buy a replacement. Start looking for two types of real estate: houses that seem to match the one you'd like to buy and houses that are similar to your current home. How do the two categories compare in price? Can you handle the difference if you're planning a step up? Mortgage Helpers: Are You Pre-Approved for a Mortgage? And to compare for-sale homes to your own, learn how to Measure Residential Square Footage . 2. Check Your Mortgage Payoff Call your lender to check the payoff for your current home mortgage. You'll need the figure to complete Step 6. 3. Determine How Much Your House Is Worth Determine your home's fair market value. Real estate agents will usually help you determine value as a courtesy, but you might take it a step further and order an appraisal . 4. Estimate Your Costs to Sell Real estate commission if you use an agency to sell. Advertising costs, signs, other fees if you plan to sell by owner. Attorney, closing agent and other professional fees. Excise tax for the sale. Prorated costs for your share of annual expenses, such as property taxes, home owner association fees, and fuel tank rentals. Any other fees typically paid by the seller in your area (surveys, inspections, etc.). Real estate agents deal with transactions every day and can give you a very close estimate of seller closing costs. 5. Estimate Costs to Buy a New Home Calculate moving expenses, loan costs, downpayment, home inspections, title work and title policy, paying for a new hazard insurance policy--all expenses related to buying a home. Your lender should give you a disclosure of estimated costs when you apply for loan pre-approval. 6. Calculate Your Estimated Proceeds Deduct your mortgage payoff from your home's fair market value. Deduct your costs to sell from the remainder to get an estimate of the proceeds you will be paid at closing. Will your closing proceeds cover your costs to buy a new home? If not, do you have cash or other funding to make up the difference? 7. Make Necessary Repairs Make all needed repairs unless you want the house to be regarded as a fixer-upper. I'm not referring to cosmetic updates--just items in need of repair. Anything that's obviously broken gives potential buyers a reason to offer you a lower price, especially if it's one of several repair hot spots that worry buyers the most. 8. Get the House Ready to Show Most houses need at least a little spiffing up before they are shown to potential buyers. Great curb appeal , fresh paint indoors (and sometimes out), organized closets and cabinets, sparkling clean windows and appliances and a clutter-free look are essential if you want the house to appeal to buyers. Be sure to avoid the things buyers hate most about houses. 9. Get Psyched Up to Let People In If you're listing with a real estate agent, she'll ask you to leave when the house is shown. Why? Because lurking sellers make buyers nervous--they don't feel comfortable inspecting the house when they feel they are intruding in your personal space. Unless there's a valid reason for it, don't ask your agent to be present for all showings, because that requirement can be the kiss of death for showing activity. Other agents want privacy with their buyers and they don't usually have time to work around your agent's schedule. Make the house accessible. That means it should always be ready to show. Many agents won't bother showing a house that takes 24 hours to get into. Important disclaimer information about this About site. 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