home equity. Why? Certain

Home Equity Scams: Borrowers Beware! Home Equity Loans : Borrowers Beware! D o you own your home? If so, it's likely to be your greatest single asset. Unfortunately, if you agree to a loan that's based on the equity you have in your home, you may be putting your most valuable asset at risk. Homeowners-particularly elderly, minority and those with low incomes or poor credit-should be careful when borrowing money based on their home equity. Why? Certain abusive or exploitative lenders target these borrowers, who unwittingly may be putting their home on the line. Abusive lending practices range from equity stripping and loan flipping to hiding loan terms and packing a loan with extra charges. The Federal Trade Commission urges you to be aware of these loan practices to avoid losing your home. The Practices Equity Stripping You need money. You don't have much income coming in each month. You have built up equity in your home. A lender tells you that you could get a loan, even though you know your income is just not enough to keep up with the monthly payments. The lender encourages you to "pad" your income on your application form to help get the loan approved. This lender may be out to steal the equity you have built up in your home. The lender doesn't care if you can't keep up with the monthly payments. As soon as you don't, the lender will foreclose-taking your home and stripping you of the equity you have spent years building. If you take out a loan but don't have enough income to make the monthly payments, you are being set up. You probably will lose your home. Hidden Loan Terms: The Balloon Payment You've fallen behind in your mortgage payments and may face foreclosure. Another lender offers to save you from foreclosure by refinancing your mortgage and lowering your monthly payments. Look carefully at the loan terms. The payments may be lower because the lender is offering a loan on which you repay only the interest each month. At the end of the loan term, the principal-that is, the entire amount that you borrowed-is due in one lump sum called a balloon payment. If you can't make the balloon payment or refinance, you face foreclosure and the loss of your home. Loan Flipping Suppose you've had your mortgage for years. The interest rate is low and the monthly payments fit nicely into your budget, but you could use some extra money. A lender calls to talk about refinancing, and using the availability of extra cash as bait, claims it's time the equity in your home started "working" for you. You agree to refinance your loan. After you've made a few payments on the loan, the lender calls to offer you a bigger loan for, say, a vacation. If you accept the offer, the lender refinances your original loan and then lends you additional money. In this practice-often called "flipping"-the lender charges you high points and fees each time you refinance, and may increase your interest rate as well. If the loan has a prepayment penalty, you will have to pay that penalty each time you take out a new loan. You now have some extra money and a lot more debt, stretched out over a longer time. The extra cash you receive may be less than the additional costs and fees you were charged for the refinancing. And what's worse, you are now paying interest on those extra fees charged in each refinancing. Long story short? With each refinancing, you've increased your debt and probably are paying a very high price for some extra cash. After a while, if you get in over your head and can't pay, you could lose your home. The "Home Improvement" Loan A contractor calls or knocks on your door and offers to install a new roof or remodel your kitchen at a price that sounds reasonable. You tell him you're interested, but can't afford it. He tells you it's no problem-he can arrange financing through a lender he knows. You agree to the project, and the contractor begins work. At some point after the contractor begins, you are asked to sign a lot of papers. The papers may be blank or the lender may rush you to sign before you have time to read what you've been given. The contractor threatens to leave the work on your house unfinished if you don't sign. You sign the papers. Only later, you realize that the papers you signed are a home equity loan. The interest rate, points and fees seem very high. To make matters worse, the work on your home isn't done right or hasn't been completed, and the contractor, who may have been paid by the lender, has little interest in completing the work to your satisfaction. Credit Insurance Packing You've just agreed to a mortgage on terms you think you can afford. At closing, the lender gives you papers to sign that include charges for credit insurance or other "benefits" that you did not ask for and do not want. The lender hopes you don't notice this, and that you just sign the loan papers where you are asked to sign. The lender doesn't explain exactly how much extra money this will cost you each month on your loan. If you do notice, you're afraid that if you ask questions or object, you might not get the loan. The lender may tell you that this insurance comes with the loan, making you think that it comes at no additional cost. Or, if you object, the lender may even tell you that if you want the loan without the insurance, the loan papers will have to be rewritten, that it could take several days, and that the manager may reconsider the loan altogether. If you agree to buy the insurance, you really are paying extra for the loan by buying a product you may not want or need. Mortgage Servicing Abuses After you get a mortgage, you receive a letter from your lender saying that your monthly payments will be higher than you expected. The lender says that your payments include escrow for taxes and insurance even though you arranged to pay those items yourself with the lender's okay. Later, a message from the lender says you are being charged late fees. But you know your payments were on time. Or, you may receive a message saying that you failed to maintain required property insurance and the lender is buying more costly insurance at your expense. Other charges that you don't understand-like legal fees-are added to the amount you owe, increasing your monthly payments or the amount you owe at the end of the loan term. The lender doesn't provide you with an accurate or complete account of these charges. You ask for a payoff statement to refinance with another lender and receive a statement that's inaccurate or incomplete. The lender's actions make it almost impossible to determine how much you've paid or how much you owe. You may pay more than you owe. Signing Over Your Deed If you are having trouble paying your mortgage and the lender has threatened to foreclose and take your home, you may feel desperate. Another "lender" may contact you with an offer to help you find new financing. Before he can help you, he asks you to deed your property to him, claiming that it's a temporary measure to prevent foreclosure. The promised refinancing that would let you save your home never comes through. Once the lender has the deed to your property, he starts to treat it as his own. He may borrow against it (for his benefit, not yours) or even sell it to someone else. Because you don't own the home any more, you won't get any money when the property is sold. The lender will treat you as a tenant and your mortgage payments as rent. If your "rent" payments are late, you can be evicted from your home. Protecting Yourself You can protect yourself against losing your home to inappropriate lending practices. Here's how: Don't: Agree to a home equity loan if you don't have enough income to make the monthly payments. Sign any document you haven't read or any document that has blank spaces to be filled in after you sign. Let anyone pressure you into signing any document. Agree to a loan that includes credit insurance or extra products you don't want. Let the promise of extra cash or lower monthly payments get in the way of your good judgment about whether the cost you will pay for the loan is really worth it. Deed your property to anyone. First consult an attorney, a knowledgeable family member, or someone else you trust. Do: Ask specifically if credit insurance is required as a condition of the loan. If it isn't, and a charge is included in your loan and you don't want the insurance, ask that the charge be removed from the loan documents. If you want the added security of credit insurance, shop around for the best rates. Keep careful records of what you've paid, including billing statements and canceled checks. Challenge any charge you think is inaccurate. Check contractors' references when it is time to have work done in your home. Get more than one estimate. Read all items carefully. If you need an explanation of any terms or conditions, talk to someone you can trust, such as a knowledgeable family member or an attorney. Consider all the costs of financing before you agree to a loan. For More Information 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. FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP www.ftc.gov April 1998

Buy Home

Buying a Home - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Buying a Home Information by State Esta página en español Print version Email this to a friend Counseling and Education Housing counseling agencies can give you advice about buying a home. Find a housing counselor near you. Common questions Homeownership videos More from HUD Mortgage glossary FHA mortgage limits HUD approved lenders HUD approved condos Healthy homes Environmental maps Energy info About appraisals Links Rural housing loan programs Loan programs for veterans Freddie Mac Fannie Mae US Postal Service Mover's Guide The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! Nine steps to buying a home Figure out how much you can afford Know your rights Shop for a loan Learn about homebuying programs Shop for a home Make an offer Get a home inspection Shop for homeowners insurance Sign papers Step 1: Figure out how much you can afford What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The calculators below can help, but it is best to visit a lender to find out for sure. How much home can you afford? Buying vs. Renting Need help with your downpayment and/or closing costs? Homebuying programs in your state A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that downpayment! Find a housing counselor near you Step 2: Know your rights Fair Housing: Equal Opportunity for All - brochure Real Estate Settlement Procedures Act (RESPA) Borrower's rights Predatory lending Back to Top Step 3: Shop for a loan Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan. Looking for the best mortgage: shop, compare, negotiate - brochure Let FHA help you Step 4: Learn about homebuying programs Homebuying programs in your state FHA loan programs offer lower downpayments and are a good option for first-time homebuyers. Let FHA help you HUD's special homebuying programs Good Neighbor Next Door Program - for police officers, teachers, firefighters and emergency medical technicians Homeownership for public housing residents Indian Home Loan Guarantee Program (Section 184) Step 5: Shop for a home Choose a real estate agent Wish list - what features do you want? Home-shopping checklist take this list with you when comparing homes Homes for sale (including HUD homes) " Fixer-uppers " - home purchase and repair programs Manufactured (mobile) homes Build a home If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing. Back to Top Step 6: Make an offer Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale. Making an offer Step 7: Get a home inspection Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs. For Your Protection Get a Home Inspection Step 8: Shop for homeowners insurance Lenders require that you have homeowners insurance. Be sure to shop around. Homeowners insurance 12 ways to lower your homeowners insurance costs Step 9: Sign papers You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign! Settlement Costs and Helpful Information Content updated December 1, 2005 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Sell House

AutoTrader.com - How to Sell Your Car Home > Research > How to Sell Your Car How to Sell Your Car Why should I sell my car instead of trading it in? It's simple—to boost your profit. Sell it yourself, and you get a higher value out of your car. Depending on the age and condition of your car, you can pocket an extra $1,000 to $2,000 or more. If you have a late-model vehicle, you stand to make much more. Just think of it as cutting the middle man out. If you trade your car in, the dealer has to pay to clean it, advertise it and sell it while making a comfortable profit. Your lower trade-in reflects that. Besides, with today's online resources, selling your car is easier than ever. Find out all you need to know to put your car up for sale, and then list it at a less expensive price than traditional printed classified listings. Plus, you reach more buyers in your area—and across the country. Place Your Ad Today Get a CARFAX Vehicle History Report Provide buyer assurance. Check your vehicle's history before you sell. Enter VIN Find Info on Specific Models Get the details on your old car before you advertise. Find out options, standard features, safety and more. What are my first steps? Selling your car yourself can be rewarding, especially with a little guidance. We've come up with a few tips to make the experience easier and to help you get the best price for your car. View Hide Set a competitive price A good place to start is determining the market value of your car. Check out our used-car values page to find out what your car is worth. You'll want to price competitively in your local market-look at our online ads in your area to see what used cars similar to yours are being sold for. If you're open to negotiation, determine the least amount you will accept. Based on that amount, you may want to create some cushion in your price—$500 is a good minimum. Remember, buyers are looking at the same online pricing guides, so if your price is close to or lower than the price they found, your car could be that much more appealing. Once you set your price, consider using the proper ad lingo to make your point: Inserting "or best offer" (OBO) or "asking price" signals you'll consider an offer lower than the stated price. You may get more responses. Stating your price is "firm" signals that you're sticking to your price. View Hide Get your car ready Appearance is everything. That means you should thoroughly clean your car, inside and out. And consider taking care of any minor maintenance issues. Here's a laundry list of things you can do to improve your car's appearance: Wash, wax and vacuum your car. Wipe down the dashboard and other surfaces. Gloss up the tires and polish the wheels. Clean all glass inside and out, including mirrors. Clean out any junk from inside your car and the trunk. Replace any burnt lights or fuses. Top off the fluids. View Hide Gather your car's records Smart car shoppers want to know how well maintained your vehicle is and will ask for maintenance records. A presentable maintenance log with all of your receipts, especially oil changes, can be a powerful selling tool. Consider collecting the receipts you have and creating a maintenance log. If you know you had something done but can't find the receipt, log it anyway. Warranty receipts are especially important. If you've recently replaced your tires or battery, present the warranty to the buyer. View Hide Purchase a vehicle history report You can put buyers at ease by showing a copy of your car's vehicle history report . One of the biggest fears of used-car buyers is unwittingly buying a car that has been in a wreck. A vehicle history report reveals if a car was ever wrecked, whether the odometer was rolled back and other costly problems. Presenting your maintenance records and a clean vehicle history report instills confidence in buyers—it could make the sale! How do I advertise my car? Your best bet is to place an online ad . Think about it this way: how many newspaper readers are looking to buy a car? Compare that to the number of people visiting auto websites like this one looking to buy a car now. You'll also get more sophisticated options, like editing tools and more space to show off your car. Here are some surefire bets to bring you more responses. View Hide Post quality photos Although photos are not required for listing your car online, they are a key selling tool. You have a far greater chance of buyers clicking on your Search Results Listing if you have photos. In fact, 85% of buyers look for listings with photos in their initial search. You don't need to have a digital camera to post photos. Just take your traditional film to your local photo-processing lab and ask for a photo CD. You can easily upload photos from the CD to your ad. Or, you can turn your prints into digital pictures with a scanner. Before you point and shoot, remember these guidelines: Photograph your car in daylight. Avoid reflections and shadows from the sun and trees. Photograph your car at a front-side angle to achieve a good view of the entire car. Park your car against a flattering backdrop. Make sure your car is clean and neat in appearance. If you post multiple photos, photograph the interior and any special features about your car, such as specialty tires and wheels. View Hide Give details buyers will respond to Another benefit of advertising online is providing a complete description of your car. You get to give buyers those extra details that grab their attention. In your AutoTrader.com ad, you will list your car's basic details and options installed. With that important information already out of the way, you can focus on making your description enticing. Keep in mind the first 150 characters of your description will show on your Search Results Listing. Put your most important details first, so buyers see them right away. Consider giving some of the following details: Appeal to a buyer's lifestyle. Ex. Van—"great family car," economy car—"excellent gas mileage makes it a great commuter car," truck—"a dependable work truck." Use key phrases that typically signal you've taken care of your car, like "one owner," "kept in garage" and "maintenance records available." But do be honest! Mention any non-standard modifications and improvements, such as stereo, speakers and specialty wheels. List any recent replacements, like new tires or battery. View Hide Be prepared to field inquiries Once you place your ad, be ready to answer questions. Keep a list of basic facts about your car near the phone and computer. Print out the online sources that show your car's market value. Buyers are making a big decision, so try to answer every question honestly and openly. You'll save yourself time instead of making unnecessary appointments. Make appointments for a specific time, rather than allowing a buyer to show "sometime after work." It increases the chances of the buyer making it, and it doesn't waste your time. If you feel uncomfortable with a buyer coming to your house, arrange to meet in a populated, well-lit area. How do I close the deal? You've done your homework. Now it's time to sell your car. With a little preparation and patience, you should do just fine. View Hide Show your car to interested buyers Once you make an appointment, a buyer will most likely want to take your car for a spin. Before the test-drive, remember to: Ask to see a valid driver's license and proof of insurance. Let the buyer drive, but you navigate. Have a planned route in mind that allows the buyer to experience different driving conditions. If a buyer is very interested and wants you to hold the car, ask for a deposit and specify that it's only for a certain amount of time. Also, some buyers may want to have the car inspected by their mechanic. This is a reasonable request, but it's up to you how you want to handle it. View Hide Negotiate a fair price By now, you know what your car is worth, and you know what you're willing to accept. Prepare yourself with possible responses when a buyer begins to negotiate. For example: If a buyer mentions a scratch or ding, say it's normal wear and tear and that it's accounted for in the depreciated market value. If a buyer makes an offer lower than your asking price, counter offer. Never seem too eager to lower your price. And don't budge beyond your minimum. If a buyer shows you a mechanic's receipt for repairs needed on your car, take a look at the repairs. If they're warranted, consider reducing the price based on the amount needed for the repairs. If you advertised that your car is being sold "as is," then simply refer to your ad. View Hide Finalize the sale Once you settle on a price, accept only cash or a cashier's check before you sign over the title. And make sure the check has cleared at the issuing bank. Be suspicious of any buyer who offers a complicated payment arrangement that involves overpayment with a refund. This is often a sign of fraud. To learn more about spotting a scam, read our fraud awareness tips . You should have a bill of sale ready for both parties. A bill of sale is a sales receipt that shows transfer of ownership to the buyer and contains both parties' contact information, details about the car, the agreed upon sell price and the odometer reading. To find a bill of sale, your state motor vehicle website should offer a detailed form. If not, try an office supply store for a generic form that you can add to if needed. Also, check with your state motor vehicle website to find out what the requirements are to transfer the title to the new owner. Generally, you will have to sign and date the title before turning it over to the buyer. Notifying your local motor vehicle office of the transaction and ensuring the title is correctly transferred will prevent you from being liable for any accidents. If you still owe money on the car and a lending institution is holding the title, you can finish the sale with the buyer at the offices of the lender. Once you have the money and the loan has been paid off, sign the title to the buyer. If the bank is out of state, you can go with the buyer to the motor vehicle office and get a temporary operating permit based on the bill of sale. Once you pay off the balance of the loan with the money from your car sale, you'll receive the title. Sign it over to the new owner and the transaction is complete. One last thing—don't forget to cancel or transfer your insurance policy to your new car. I want more resources... Credit Tools Free Credit Report Be prepared before getting an Auto Loan. Vehicle Valuation Trade-in & Retail Pricing Get free trade-in values and retail pricing. Car Loans Loan Center Get up to 4 offers with one simple form. Refinance Auto Loan Center Refinance your auto and save. Payment Calculator Calculate the monthly loan payment for a car. Safety Safety Info Information and articles on safe driving and vehicle safety features. Reviews and Tips Search Reviews Search the latest car reviews. Buying Tips Information and articles to help you make the most informed buying decisions. Home > Research > How to Sell Your Car Find A Dealer | Become an AutoTrader.com Dealer | About | Help | Site Map | Employment Opportunities | Email Us | Press Room By using this service, you accept the terms of our Visitor Agreement . ©2005 AutoTrader.com L.L.C.

real estate agents Money

Feds probe real estate agents - Apr. 22, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | Feds probe real estate agents Money magazine investigation shows Justice Dept. looking into anticompetitive practices. April 22, 2005: 5:27 PM EDT By Jon Birger, Money Magazine NEW YORK (CNN/Money) - Did you pay your real estate broker too much? The U.S. Department of Justice may be set to turn Tulsa, Okla. into a test-case for ending the stranglehold 6 percent commissions have over the real estate brokerage business. MONEY has learned that Justice's Antitrust Division is gathering information on the bully tactics that full-commission brokers in Tulsa allegedly use against their discount rivals to discourage commission-cutting. The probe follows other recent efforts to spur competition in the real estate industry. According to a copy of a Justice Department subpoena obtained by MONEY, federal investigators are seeking information on "possible anticompetitive conduct in the provision of real estate services in the Tulsa area" as well as "documents related to refusal to cooperate on real estate transactions." An Antitrust Division spokeswoman confirmed the existence of the investigation but declined to provide additional details. Al Unser, executive director of the Greater Tulsa Association of Realtors said: "We received a CID [civil investigative demand] from the Justice Dept. and we have responded." Economists who study real estate, such as the University of Cincinnati's Norm Miller, believe anti-competitive behavior is the primary explanation for the persistence of the 6 percent commission. J.D. Smith and Bob Meyer are two Tulsa discount real estate agents who say they were interviewed by federal investigators. They say the investigators wanted information on full-commission agents' alleged refusal to show home-buying clients properties listed by discount brokers -- a tactic known as boycotting. Boycotting exploits the one major weakness of the multiple listing service. The MLS's upside is that it centralizes all homes for sale in a single electronic marketplace that can be accessed by all agents -- and these days by Web-savvy consumers as well. The downside is that brokers must depend on one another to help sell their homes, and that discourages them from undercutting each other's commissions. While boycotting the listings of discounters is generally considered an antitrust violation -- if undisclosed, it's also a breach of fiduciary duty to clients -- industry insiders are well aware that boycotting goes on, even if they claim not to condone it. For Smith, the Feds' investigation comes a year or so too late. His realty business on the brink of ruin, Smith recently abandoned discount brokerage and went back to charging 6 percent. "In one week," Smith said, "I've had more showings and more offers from other realtors than I had in the previous two months." The Tulsa investigation is part of an ongoing Antitrust Division foray into the sharp-elbowed realty world. In March, the Antitrust Division sued the Kentucky Real Estate Commission over a state law that prohibits real estate brokers from offering commission rebates to consumers. More recently, Assistant Attorney General R. Hewitt Pate sent letters to lawmakers and regulators in Oklahoma and Texas, urging them to reject proposals that would effectively prohibit brokers from engaging in limited-service or fee-for-service realty -- such as listing a home for sale on the multiple listing service for a flat fee of $500. Bruce Hahn, chairman of the American Homeowners Grassroots Alliance, argues that state prohibitions on rebates and fee-for-service discourage competition and inflate commissions paid by consumers. "We've talked to Justice, and we think what they're doing is tremendous," he said. E-mail Jon Birger at jbirger@moneymail.com. The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Real Estate Antitrust Division Corporate Governance Oklahoma or Create your own Manage alerts | What is this?

Colorado Real Estate |

A Denver real estate agent specializes in relocation to the Denver Metro area Denver Real Estate Directory 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 ] The home buying process is easy when you know the answers; learn how to finance your home, how much it will cost and more. [ 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 ] search Denver Real Estate Site Are you considering a move and want to purchase a new home? Are you wondering about the suburbs of Denver and what they look like? Do you have questions about the city and the suburbs? Are you currently just shopping for information about Denver homes? You have found the right spot! Gathering information is going to be easy now. You will find the answers to your questions here. OFFERING MANY CHOICES OF DENVER HOMES The metro area has an abundance of neighborhoods that might fit your needs. I pride myself in being able to discuss these areas with you. It's important to look at all the possibilities when relocating to a new area and I can help you do just that. Here are some of the areas in the Denver Metro area to consider: OBTAIN NEIGHBORHOOD INFORMATION - CLICK ON THE CITY OF YOUR CHOICE... Arvada Denver Littleton Aurora Denver Tech Center Lodo Brighton Erie Louisville Broomfield Evergreen Lone Tree Castle Rock Greenwood Village Morrison Centennial Golden Northglenn Cherry Hills Highlands Ranch Parker Conifer Ken Caryl Thornton Commerce City Lafayette Westminster Lakewood Research demographics , follow links to gain visual perspective, driving times to popular Denver area locations, taxation in Colorado , links to school accountability reports , private schools , higher education in Denver, American Dream Downpayment Program and other facts helpful to a inquiring Denver relocation prospect. DENVER HOME SALES STATISTICS The Berkshire Group follows the real estate market trends in the Denver metro area. We publish the current market trends in the Denver Real Estate Update and Denver Sales Statistics . Click on the link to review the latest information about Denver home values, Denver's average days on market, list to sale ratios, etc. Denver relocation services are not exclusive to out of state (or country) home buyers. If you are relocating from an area of the city to another, you are welcomed and encouraged to use my services. As a relocation specialist I know how important it is to be able to learn about all the areas that might fit your needs. I have made it my business to compile as complete a website as possible, offering you information that you want...now! If you have additional questions please feel free to contact me either by telephone or e-mail. I promise I will answer your questions honestly and promptly and without pressure. Selling homes in and around Denver is my specialty...how may I help you? HOME BUYING DIRECTORY Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs © Homes for sale... Beautiful Executive Home In Greenwood Village $579,900 All Execellent Cherry Creek Schools! Curved Stairway and French Doors to mainfloor Den. 5 Bedrooms, 5 Baths, Fully finished walkout basement. Click Here for more info Property Brochure Available Here. Castle Rock Home in the Villages $220,000 Newly redone with fresh paint and new carpet, this lovely Richmond two story has a great custom deck. Located in an established neighborhood you will love the price. Why wait for new? Call Kristal Kraft at 800-319-7739. Property brochure available online. Beautiful Historic Building! True, authentic Loft! Denver Loft Property brochure available here. Enjoy living in a Denver landmark in downtown Denver! (MLS #265755 Visual Tour #57003) Where? At the Denver Dry Lofts, 2 bedrooms, 2 baths, 22 foot ceilings, hardwood floor, timber beams, lots of vertical interest. HUGE PRICE REDUCTION! $239,900! Additionally the seller is offering incentives to the buyer...$5,000 worth! For more information, call your broker or call Larry McGee at 303-513-1436 View the visual tour of The Denver Dry Loft here. Looking for Lofty Living? (Tour #58151 MLS #268538) $319,000 Wow! Historic, Authentic loft completely renovated in 2005 with easy access to Lodo, Coors Field, restaurants and coffee shops. Light & bright end unit with plenty of space. Huge kitchen island with slab granite, Italian cabinets, lots of exposed brick & wood beemas, sealed concrete floors, large full bath, oversized tub, high ceilings, 2 storage units and plenty of room for your workspace. To see it, Call your agent or call Susie Farrar 303-350-5838 Brochure on Walnut Street Loft Take a virtual tour of the Walnut Loft Bank Owned, Bring Offer! (Tour # 434459 MLS #266663) Boulder County Townhome w/Contemporary Styling, fully finished basement, 3 bedrooms plus a loft, fireplace, 2 car garage. Backs to a huge open space. Priced to sell at $282,900. For more information call your Realtor or call Kristal Kraft at 303-589-2022 Take the Virtual Tour here. Attractive townhome with a courtyard (Tour #430692, MLS #264811) The beautiful open floor plan in this townhome with large rooms is all updated and ready for you to move in. This end unit with a main level entry faces a greenbelt. You will enjoy your private patio with additional storage, and easy access to highways, restaurants, and shopping. Call Susie to see it today! 303-868-8399 Preview this Hallcraft Townhome in Aurora, Colorado Cute Contemporary Home for sale at Sloan's Lake (Tour #64076 MLS #262198 ) You will love this home and location, 1864 sq. ft. 3 bedroom 2 bath home within walking distance to Highland Square. For more information call Laurie Reed 303-906-9172 Preview the home on visual tour Property brochure 4521 W. Hayward Place, Denver, CO 80212 Having a hard time finding a tour? Some computers will block "pop ups" preventing your computer from connecting to the tour. If this happens, hold down the "Ctrl" key and click the link. Or you can locate a Visual Tour by inputting the Tour # in the box below. FOR REALTORS ONLY - CAREER OPPORTUNITY If you are a Denver Realtor looking for a good environment in which to learn and prosper, follow this link . Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. 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