DENVER REAL ESTATE AND

Denver Real Estate, Denver Lofts, Denver Homes, Denver MLS, Denver Homes Great Homes in Denver Ed and Tamie Seevers, Realtors Email Us! or Call us at 720-299-6717 Home Home Values Communities Denver Neighborhoods Denver Lofts Resources Credit Repair Credit Report For Sale By Owners Foreclosures Denver Home Loans Home Values New Homes Rentals Vacation Rentals About Us Background Contact Us DENVER REAL ESTATE AND HOMES GUIDE Database is updated every day with 25,000 + Denver real estate listings from all major brokerages. Search hundreds of apartment complexes, duplexes and multi-family properties for sale Check out the rental section to learn more about rental properties in Denver. Complete Denver Loft Resource! Tons of pictures, reviews and resources. Blog -- Read the Denver real estate blog ! For Sale By Owner -- Denver for sale by owner guide. Search hundreds of homes for sale by owner. Foreclosures -- Search lists of foreclosures in Denver and all of Colorado. Home Loans -- Calculate payments and shop for the best lenders in Denver . Home Values -- Check out the latest Denver home values ! Neighborhoods -- Read all about the best Denver neighborhoods . New Homes -- Get a 1% rebate on your new house! Search for new homes in Denver . Schools -- Guide to the schools in Denver . Denver Real Estate Market The Denver real estate market has been on a tear in recent years. Many Denver homes have appreciated over 25% in just the past year. Denver condos, homes and lofts are being built at an incredible pace. When a boom market occurs, speculators enter the market. This is true on both sides of the equation. Denver homes see huge price increases when they are put up for sale and sold in a matter of days. There are many speculative Denver real estate agents as well. These are young agents looking to make a quick buck in the Denver real estate market . Denver Real Estate Agent Qualifications If you are thinking of selling your Denver property, go with a real estate team who has been working in Denver for over fifteen years. Our team has closed on hundreds of Denver homes, condos and land. We go the extra mile to assure that your transaction is our first priority. Search the Denver Real Estate Market I know it's tough, there are thousands of homes for sale in Denver. Homes are not on the market very long before they are bought and then go back on the market again! Be prepared and use our Denver Home Search to not only search for homes, but also save your searches and get notified each day of new properties that hit the Denver market. Take some time and explore our comprehensive Denver lofts and condos guide, search all Denver homes for sale and ultimately choose a Denver realtor who will represent you honestly and fairly. Denver Real Estate and Homes Outside of the traditional MLS search, you might also want to try searching through our list of Denver Master Planned Communities and Denver Golf Course Homes. These homes are sizzling. However, the hottest aspect of the Denver real estate market has to be lofts and condos. Browse through our Denver Condos directory and let us know if you see anything you like! Denver is Growing! Maybe you are not interested in Denver real estate per se, maybe some of the outlying areas are of more interest to you. There are still some values to be had. Check out out list of Denver Neighborhoods and communities and then search the Denver homes market to see if you can find a home that meets your needs! www.lifebrokers.co.uk Mortgage Protection Insurance Mortgage Insurance UK SearchSaver! Register to have this system notify you via email of any new listings that meet your search criteria. This allows you to keep on top of new listings the SAME day they hit the market! Real Estate Articles | H ome | Site Map | C ontact Us | Insurance | Links Featuring homes for sale in Adams , Arapahoe , Boulder , Denver and Jefferson counties Cheap Car Insurance UK Cash Advance Payday Loan Mortgage Homes For Sale By Owner Motor Insurance Mortgages Maui Real Estate Cheap Auto Insurance

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2005 Approved Forms _________________________________________________________ Real Estate Commission-Approved Contracts and Forms Note: You must have the free Acrobat Reader software to view and print these Adobe Acrobat formatted forms. If you already have Acrobat Reader, it must be the 5.0 version, or better. Clicking on the link above will allow you to upgrade to 6.0. ** If you receive error messages, please try upgrading to 6.0** Some of the following forms are marked as Writable . Click here for instructions on how to use them. # = not required forms The following are the forms promulgated by the real estate commission and are within the purview of Rule F: LISTING CONTRACTS * LC50-04-05 Exclusive Right to Sell (All Types) * BC60-04-05 Exclusive Right to Buy (All Types) * LC53-04-05 Exclusive Brokerage Listing Contract (All Types) * LC54-04-05 Open Listing Contract (All Types) * LC57-04-05 Exclusive Right-to-Lease Listing Contract (All Types) * ETC59-10-05 Exclusive Tenant Contract (All Types) SALES CONTRACTS CBS1-07-04 Writable Contract to Buy & Sell Real Estate (Residential) CBS2-07-04 Contract to Buy & Sell Real Estate (Commercial) CBS3-07-04 Contract to Buy & Sell Real Estate (Vacant Land/Farm & Ranch) ADDENDA TO CONTRACTS CIC32-05-04 Common Interest Community Addendum to Contract to Buy and Sell Real Estate (Commercial or Vacant Land-Farm-Ranch) LB36-05-04 Licensee Buy-Out Addendum to Contract to Buy and Sell Real Estate EX32-05-04 Exchange Addendum to Contract to Buy and Sell Real Estate LP45-05-04 Lead-Based Paint Disclosures (Sales) LP46-05-04 Lead-Based Paint Disclosures (Rentals) LP47-05-04 # Lead-Based Paint Obligations of Seller LP48-05-04 # Lead-Based Paint Obligations of Landlord NTC43-05-04 Inspection Notice BDA55-04-05 Brokerage Duties Addendum to Property Management Agreement DISCLOSURE DOCUMENTS BD24-05-04 Brokerage Disclosure to Buyer BDD56-10-05 Brokerage Duties Disclosure to Seller (REO and Non-CREC Approved Listing Agreements CIC33-10-05 Common Interest Community Documents Receipt and Disclosure to Buyer SD16-05-04 Brokerage Disclosure to Seller (FSBO) DD25-05-04 Definitions of Working Relationships SPD19-10-05 Seller's Property Disclosure (All Types of Property) CS23-05-04 Change of Status SF94-05-04 Square Foootage Disclosure COUNTERPROPOSAL CP40-05-04 Counterproposal AGREEMENTS TO AMEND/EXTEND CONTRACT AE41-05-04 Agreement to Amend/Extend Contract AE42-05-04 Agreement to Amend/Extend Contract with Broker CLOSINGS CL8-05-04 Closing Instructions and Earnest Money Receipt SS60-05-04 Statement of Settlement SS61-05-04 # Worksheet for Real Estate Settlement TD-1000 # Real Property Transfer Declaration. EXCHANGE CONTRACT EX30-05-04 Contract to Exchange Real Estate (Simultaneous Exchange) DEEDS OF TRUST TD 72-05-04 Deed of Trust (Due on Transfer-Strict) TD 73-05-04 Deed of Trust (Due on Transfer-Creditworthy Restriction) TD 74-05-04 Deed of Trust (Assumable- Not Due on Sale) PROMISSORY NOTES EMP80-05-04 Earnest Money Promissory Note NTD82-05-04 Promissory Note for Deed of Trust (UCCC-No Default Rate) NTD81-05-04 Promissory Note for Deed of Trust OTHER FORMS Writable # Listing Firm's Well Checklist EMR83-05-04 # Earnest Money Release CICC-05-04 # Common Interest Community Checklist for Brokerage Firm 34S # Colorado Statutory Power of Attorney for Property For a list of Printers and Software Providers, click here Editor Note: At their April 5, 2005 meeting the Real Estate Commission voted to begin the transition to property listing and buyer representation forms that incorporate the "uniform duties" concept as printed in forms: LC 50, BC 60, LC 53, LC 54, LC 57 AND ETC 59. At the time of the printing of this Manual, the above-mentioned forms are available for use but not mandatory until January 1, 2006, at which time all of the "Listing Contracts" as printed in the 2004 Manual will be repealed. The individual "Listing Contracts" as printed in the 2004 Manual are acceptable for use until January 1, 2006. For reference to those contracts, please refer to the 2004 version of the Manual. Editor Note: At their October 4, 2005 meeting the Real Estate Commission voted to adopt the following forms: SPD19-10-05 SELLER'S PROPERTY DISCLOSURE (ALL TYPES OF PROPERTIES) ETC59-10-05 EXCLUSIVE TENANT CONTRACT (FOR ALL TYPES OF PREMISES) CIC33-10-05 COMMON INTEREST COMMUNITY (CIC) DOCUMENTS RECEIPT AND DISCLOSURE TO BUYER BDD56-10-05 BROKERAGE DUTIES DISCLOSURE TO SELLER (REO and Non-CREC Approved Listing Agreements) At the time of the printing of this Manual, the above-mentioned forms are available for use but not mandatory until January 1, 2006. Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised November 7, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)

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Maine Home Mortgage Home Page. Welcome to Maine Home Mortgage Choose Experience and the Lowest Mortgage Rates in Maine . Serving Maine for over 15 years . Now is the perfect time to take advantage of low interest ratesto purchase real estate in Maine or refinance a mortgage in Maine. Use our web site to applyfor a mortgage online , use our home mortgage tools , view our home loan programs , contactus , or learn more aboutus ! It only takes 10 minutes to apply for a Maine Home Mortgage by phone or online! Local: 1-800-LOW-RATE / Out of State: 1-800-471-5730 Free Credit Report with Mortgage Application! We offer a variety of loan application options , including a Quick Application, a Standard Application, and a 5 Step Application that allows you to log in and complete your mortgage application later. To see how easy it is to apply for a mortgage online with Maine Home Mortgage, click here . Whatever your Maine mortgage residential financing needs, we will tailor a home loan that's right for you: Purchase Refinance Construction Home Improvement Home Equity Loans Investment Properties 100% Financing Debt Consolidation Loans Stated Income Loans Damaged Credit Loans! VA/FHA Seasonal Properties And more ! Distressed Credit? Get Answers Here! SELECTED RATES. CHECK MENU FOR MORE Rate APR Disc. Points 30 Year Fixed 6.125% 6.182% 0.000 20 Year Fixed 6.000% 6.076% 0.000 15 Year Fixed 5.875% 5.970% 0.000 30 Year Fixed Jumbo 6.375% 6.384% 0.000 15 Year Fixed Jumbo 6.000% 6.015% 0.000 3/1 ARM 5.750% 7.224% 0.000 5/1 Year ARM 5.875% 8.336% 0.000 Assumptions Apply Now! Portland Lewiston Bangor Augusta Maine Home Mortgage, your experienced, statewide mortgage lender and mortgage broker, offering the lowest rates for all kinds of home loans, whether for purchase or refinance. Check rates and apply on-line, or call 1-800-471-5730. It only takes a five minutes, so apply now. Equal Housing Lender. © 2005 Maine Home Mortgage. Trade/service marks are the property of Maine Home Mortgage and/or its subsidiaries. Back to Top | Apply Now | Contact Us | Home | Privacy | Licensing DESIGNED AND POWERED BY ETRAFFICERS, LLC .

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Smartmoney.com: Consumer Action: Ten Things Your Real Estate Broker Won't Tell You Thursday December 29, 2005 3:23 PM ET U.S. Markets close in: :37 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... 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Editor's Picks Features Ten Things Real-Life Index Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) 1. "Your open house is really a party for me." Hire a real estate broker to sell your home and one of the first things he'll likely suggest is hosting an open house, so potential buyers can casually check out your property on a weekend afternoon. While open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2%. No matter. Having an open house serves another important purpose — for the broker. "It gives him a database of clients," says Sean McNeill, an independent real estate broker based in New York City who says that he doesn't like open houses, preferring to match clients with appropriate buyers. "At open houses, you get all kinds of people walking in. Some are [trying] to see how much they should sell their own places for; others just want to get a look at what's out there." All are perfect pickings for a broker looking to increase his roster of buyers and sellers. "Think about it," McNeill says. "The broker is devoting a couple hours of a weekend. He won't do that unless it helps him in a big way." 2. "My fees are negotiable." Brokers like to make it sound as if their fees are engraved in stone, but that's rarely the case — especially in a brisk market, when brokers fiercely compete for properties they can unload fast. This past summer one broker in the Midwest says he lowered his fee by a full percentage point because there was so much demand for good properties that he needed leverage. Indeed, says the broker, who asked not to be named, sellers should shop around for broker's fees. He suggests these negotiating tactics: "If somebody's willing to commit to me for selling one place and buying another, I give a discount. If you're in a particularly desirable neighborhood with a house that will bring a lot of traffic" — say, at an open house — "that can be used, because the broker will use the flow of people to get potential customers. And with some [smaller] brokers, all you need to do is ask and they'll lower the commission." 3. "Think you've had no offers? Actually, there've been several." Legally, the broker you hire to sell your home is obligated to tell you about all offers that come in. In reality, some don't. Perhaps he thinks the offer is insultingly low for you, but more likely, "the broker thinks it's too low for his own purposes. He wants to hold out for a bigger commission," says McNeill. Or else there's an outside broker (or "co-broker") circling your house, and the primary broker is waiting for one of his own clients to make an offer so he can keep the full 6% to himself. "You must be clear with your broker that you want to be informed of all offers," McNeill says. "Otherwise, you may be leaving him to make decisions that you should be making." Check the listing agreement drawn up when you hire the broker; if the promise to disclose all offers isn't listed explicitly, insist that it be added. 4. "I talk about you behind your back." You spot your dream house as you're driving through a neighborhood and call the broker listed on the For Sale sign. That's how a lot of buyers stumble on a broker — who, in turn, happily shows you other houses, asking about your needs, laughing at your jokes. It's easy to get loose-lipped and forget whom you're dealing with: someone else's agent. "Legally, brokers are obligated to provide their sellers with any information that can help them get the best prices for their homes," says Stephen Israel, president of Buyer's Edge, a Bethesda, Md.-based company that represents homebuyers. "If you tell the broker that you're willing to pay $500,000 but want to offer $450,000, they'll pass that on to the seller. They have to." Also, some brokerage companies encourage prospective buyers to get preapproved for loans. While that can make a buyer more attractive to a lender, it also tells a broker whether a buyer can afford a $600,000 house when he's trying to haggle on a $400,000 property. "When somebody asks for [a preapproval], find out who they're representing," says Israel, acknowledging that such details can short-circuit your negotiating leverage. "If they represent a seller — or someone in their office does — they shouldn't have it. The broker may tell you she will be impartial, but how can she be?" 5. "Sometimes I forget whose side I'm on." The past 10 years have seen the proliferation of the buyer broker, agents who are supposed to work strictly in the buyer's interest, helping him get a fair price on a home as well as avoid pitfalls along the way. Unfortunately, things don't always unfold so nicely. While buyers may think they're getting a broker who isn't commission-hungry, many buyer agents are just that: They usually get about 3%, the same amount any broker typically earns when he gets involved with another agent's listing. "Buyer brokers are sometimes too focused on closing the sale and getting that commission," says Max Gordon, an Overland Park, Kan.-based real estate broker and attorney, so it's often in their best interest to see you pay as high a price as possible. Even worse, some brokers who call themselves buyer advocates are actually working for companies that also represent sellers. "Brokerages offer bonuses to buyer agents if they sell an in-house listing," says Israel. A good way to get a broker who has no such conflicts of interest: The National Association of Exclusive Buyer Agents, whose Web site (www.naeba.com) can help you find a buyer agent near you who pledges to help you get the best deal possible and has no ties to sellers' agents; many even work on a fee structure rather than on commission. Page 1 | 2 Consumer Action Archive To license this content, click here ADVERTISEMENTS Click here to get your FREE report -- The Motley Fools´ 2 Top Picks. 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Las Vegas Nevada Real Estate Agents - Summerlin Real Estate - Sun City Real Estate - Las Vegas MLS Home Page Your Home's Value View Our Listings Las Vegas High Rise Info Lake Las Vegas Exchange Links Real Estate Resources Contact Us Property Request Vegas Has Changed!!! Resources - US East Resources - US Middle East Resources - US Middle West Resources - US West Resources - Other Resources - Canada Resources - Real Estate Related Resources - International 702.871.3400 Description: Incredible 4 bed 3 bath home on one acre! Pool, Spa, Tennis Court, Outdoor BBQ Pit, and so much more!!! $1,499,990 Looking for a new home in Las Vegas? ALWAYS TAKE YOUR OWN AGENT !! You've decided that you want to look at new homes around Las Vegas. So you grab the Sunday paper with its handy reference map, jump into your car and start driving around the city looking at the new home tracts, right? WRONG!!! This is a common mistake that could cost you thousands of dollars and a lot of peace of mind! Unless you are a contractor in Las Vegas, it is unlikely that you will know the builders as we do. New home or resale, you should always have your own agent - it costs you NOTHING! But you must take your own agent with you on your first visit into the new homes sales office. • We know each builder's quality . Not only do we see those beautiful professionally decorated models, we know whose workmanship lasts through time. • We know which builders are the most cooperative when it comes to making changes on your new home. • We know who has the best customer service if there is a problem. Even new construction can have minor defects which will remain undiscovered until you've lived in the home a while. A builder who comes in and makes these corrections promptly is priceless! • If there are any special buyer incentives we will know about them first ! The Las Vegas new homes builders actually advertise to real estate agents because they want us to show you their homes. But if you come into the development by yourself, they have no need to offer you an incentive. And the tract agents work for the builder. They won't mention any special promotions if they don't have to. • We will look over all contracts before you sign them and make sure there are no "red flags" in them. • We will help you obtain the best financing . Quite often the new home builders will offer an incentive of $500 to $5,000 if you use "their" lender. Depending on the interest rate charged and other "garbage fees" put into the loan, this may or may not be lower than what you may find elsewhere. • We will assist you with lot selection . Location is crucial and we know how to pick the best lots. • We will recommend professional home inspectors to check out the structure before we close escrow, and we will be there to do your final walk-through with the builder. We know what is acceptable workmanship and what is not. • We will also save you lots of time . We have a complete database of all the new homes in the Las Vegas and their floor plans! We can eliminate unwanted features without driving all over the valley! And you get all this help for free! The builder, by law , cannot sell the home any cheaper to you if you come in without your own agent. But if you do, the tract may refuse to allow you to bring back your own agent later. So resist the impulse to "shop" without us, we're there to help you and we can save you money when you are buying a new home in Las Vegas! Home • Resale Home • New Homes • Our Listings • High Rise Info • Meet the Team • Turnberry Towers • Trump Towers • Newport Lofts • Sandhurst • MGM Grand Residences • Turnberry Place • SoHo Lofts • Streamline Towers • Las Ramblas • Mortgage Marketing / Mortgage Web Design By