Buyers ... Stay Informed on the Local Market

Have you tried to get a mortgage recently in Greeley Colorado to buy a home?  Things have changed in the last year and not for the better.   This is going to be kind of a rant against the mortgage industry and they way they treat clients.   

A couple things I've noticed is that if you get a preapproval from a lender it really means nothing.  You aren't approved.  You most likely won't have your loan approved until maybe 2 days before the home is supposed to be closing.   I guess it's not really the lenders fault as really no matter who you go to end up selling your loan to Fannie Mae or Freddie Mac.   Thanks to those organizations with their crazy guidelines that change every day it makes getting your loan even harder. 

These are some of the things I've noticed especially over the last month.  If you have a home closing set for a month after you first right your contract the lender will want 31 days.  If you have it set for 60 days the lender will want 61 days.  Everything is sooooo last minute anymore. 

Here's another thing.  If you've had any kind of money deposit in your account over the last 4-5 months besides what comes from your job they will want to verify where it came from who gave it to you and so on.  I recently had a client that maybe two months ago had went to a concert and had paid for about 9 friends tickets up front.  Those friends paid them back and it was about a $1000.  So then the lender had to verify all that.  So crazy. 

I also advise if you are renting a home and want to buy a house DO NOT tell your landlord you are going to move out a couple days after your closing on buying your new home.  Why?  Because chances are you will need another week or so thanks to the lenders dragging their feet. 

As of right now I do not recommend Wells Fargo Home Mortgage.  Even a year ago they were good, but recently they have become very difficult.  Waiting until the last minute to request documents that could have been requested 2 weeks earlier.  Some buyers of mine lost the chance on a great deal of a property thanks to these people at Wells Fargo home mortgage.  Thanks to an underwritter taking a day off and not ordering an appraisal on time in addition to many other silly things my buyers couldn't close on time and a backup offer was able to close a day later and my buyers lost the house.  Thanks alot Wells Fargo Home Mortgage. 

What I've been telling my buyers for the last year is finding the house you want is fairly easy.  Making an offer is fairly easy.  Doing an inspection is fairly easy.  Getting the mortgage done and on time.  Is a nightmare.   There's not much as a real estate agent I can do to help the mortgage move along faster then to be constantly calling the loan officer and trying to motivate them to motivate whoever they have to get the job done. 

Sometimes I think maybe the mortgage lenderrs know something about the economy that we don't so they are making it soooo hard to get a mortgage.  Maybe they are holding out for higher interest rates or something. 

I won't even go into what a self employed person would have to do to get a mortgage.

That's all I have for you for now.

If you have questions about Greeley Real Estate call me at 970-302-1233 or email me using the form below.  Also visit my website at www.greeley-weldcountyhomesforsale.com

I. Don’t Get “Pre-Qualified!

If you're looking to get the very best house you're capable of getting for the least amount of money you'd like to spend in ? Then make sure you are in the strongest negotiating position possible. Price is only one bargaining chip in the negotiations, and not necessarily the most important one. Buyer strength and length of escrow are usually critical to sellers.

In the past it was our policy to suggest to potential buyers that they try to get qualified for a loan before they apply for it. This means that you spend a few minutes on the phone with a lender who asks you a few questions. Based on the answers, the lender pronounces you “pre-qualified” and issues a certificate that you can show to a seller. Sellers are aware that such certificates are WORTHLESS, and here’s why! This information has not been double checked Oftentimes-unknown problems surface! Some of the problems I’ve seen include recorded judgments, child support payments due, glitches on the credit report due to any number of reasons both accurately and inaccurately, down payments that have not been in the clients’ bank account long enough, etc.

So the way to make a strong offer today is to get “pre-approved”. This occurs following the verification of all of the details. Now for the final step. Loan approved, but what about the property appraisal? This process takes anywhere from a few minutes to a few days depending on your situation. Something we strongly suggest for all of our clients to have.

It is an advantage to be a renter when competing with buyers who already own their home because their financing can be dependent on selling their current home. 2. Play the Game of Nines

Before house hunting in the market, make a list of nine things you want in the new place. Think of nine things you don't want in a house, then write them down. I call this “NINE OF THIS AND NONE OF THAT”. You may utilize this list like a scoring guide in order to rank all the properties you check out. The one with the biggest score wins! This will help to prevent any misunderstanding and maintain a sense of perspective while making comparisons of many homes. When house hunting in the , consider the contrast between something called "SKIN AND BONES". Such as the location, view, size of lot, noise in the area, school district, and floor plan,the BONES are things that cannot be changed. The SKIN represents easily changed surface finishes like carpet, wallpaper, color, and window coverings. Buy the house with good BONES, because the SKIN can always be changed to match your tastes. Think of the house you are viewing as empty, without furniture. Consider each house on its underlying merits, not the seller’s decorating skills. Third: A good agent will show everything available that will meet your requirements. Don’t make a decision on a house until you feel that you’ve seen enough to pick the best one. Go to the Multiple Listing computer with your agent to make sure that you are getting a COMPLETE list of homes for sale in get the home you really want instead of whatever the agent has chosen to let you take a look at.

In the late 1980’s, homes in were selling quickly, usually a few days after listing. In this type of market, agents recommended that their customers place an offer instantly if they were interested in the home. At that moment, it was a sage opinion. Today there isn’t always this urgency, unless a home is drastically under priced, and you’ll know if it is. But keep in mind, if you wait to long there is always a chance of the house selling before you get your offer to the seller. If you really like a house, get an offer written and make sure your agent writes in the proper clauses to get you out of the offer.

Let's not forget that when making your consideration, also remember to do research into the SCHOOL DISTRICTS that are located in the same area. For more information about schools in the market you can visit my website at www.greeley-weldcountyhomesforsale.com. Information is available on every school; such as class sizes, % of students that go on to college, SAT scores, etc.

4. Stop Calling Ads!

A word of caution – agents in the make the phone ring by creating ads Some of the drawbacks the ad neglects to mention are traffic noise, power lines, and even litigation inside the community. What’s not mentioned in the ad is usually more important than what is. This is why we think it prudent for you to take great care when going over advertisements. Not you in most cases,and remember that the person writing the ad is representing the seller. The essential thing for you is to have someone on your side looking out for you. Your own agent will critique the property with an eye towards how well it meets your needs and will point out any drawbacks you should know about.So whether you decide to work with us or not, pick an agent you feel comfortable with and enlist the services of that agent as a buyer’s broker. Then you become a client with all the rights, benefits, and privileges created by this agency relationship, and you’re no longer just a shopper. Did you know that many homes are sold WITHOUT A SIGN ever going up or an AD EVER BEING PUT IN THE PAPER? These “great deals” go to those people who are committed to working with one agent. When an agent hears of a great buy, who do you think he’s going to callQuestion: His client, who he has a legal obligation to work hard for you, or someone who just called on the phone and said “keep your eyes open”Question: So, to get the best buy on a property in the real estate market, we always recommend that you hire your own agent and stick with him or her.

A plethora of data on the subject of selling, buying or investments is out there at no cost. property To obtain full details about the real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything property So please feel free to contact me with any of your mortgage questions and I will me more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.

For more information about Greeley Colorado real estate visit www.greeley-weldcountyhomesforsale.com.

For my Greeley and Weld County REMAX website visit www.weldcountyproperty.com

You may be thinking that you need an out going aggressive real estate agent in Greeley Colorado and Weld County in order to get yourself the best deal on the market. In some cases an aggressive agent can secure the best deal, but don't be caught into thinking that a quiet real estate agent cannot do his job effectively. In many cases he can be much more effective because he is spending his time listening to your wants and needs.

A good real estate agent in Greeley Colorado and Weld County will listen to your viewpoints and mark them down for further reference. He will try to assimilate everything you want and need in a Greeley Colorado and Weld County home and neighborhood and show you the best properties available.

Finding a good Greeley Colorado and Weld County real estate agent that is ready to listen to you is as simple as picking up the phone and dialing. You can talk directly to an agent in Greeley Colorado and Weld County and see for yourself how easy he is to talk to. If you find that he is really listening and understanding what you are trying to say, then you should schedule an appointment as fast as you can because you have found a good one.

This is not to say of course, that an agent should never talk. In fact, a qualified real estate agent is your best advisor when you are purchasing or selling a Greeley Colorado and Weld County home. He should be able to answer most of your questions, or give you advice on where you can find the answers.

You need a Greeley Colorado and Weld County real estate agent that you can trust because you're about to make some major decisions that are life changing. Find an agent in Greeley Colorado and Weld County that you can fully trust and everything else will fall in place.

As a local real estate agent in Greeley Colorado and Weld County, I can offer you more free information about the Greeley Colorado and Weld County real estate market, including the most recent homes for sale, current property values and more. Feel free to contact me, Marc Oster, anytime with any of your real estate or mortgage related questions and I will be happy to answer your them for you. You can visit my website at www.greeley-weldcountyhomesforsale.com. which offers complete information about the Greeley Colorado and Weld County real estate market. You can also call me on my cell at 9703021233 or email me using the form below.

There are many reasons to consider purchasing a fixer-upper in the Greeley Colorado and Weld County area, according to real estate expert, [profile.full_name] of Y & M Real Estate LLC.  Sometimes buying and rehabbing a property is the only way a buyer can afford to become a homeowner.  In other cases purchasing a fixer-upper allows the buyer to purchase in a neighborhood they otherwise would not be able to afford.  However, rehabbing a property is not for everyone.

Marc Oster advises buyers to be realistic.  There are many factors to consider with regard to the fixer-upper.  Will you be living in the house during the renovation?  If so, imagine how you will function without a working kitchen for several months.  If living with a hot plate, microwave, and bathroom sink are something you can deal with in order to achieve the end result, then a fixer-upper may be right for you.  There are many great fixer-uppers on the market in the Greeley Colorado and Weld County area – check out www.greeley-weldcountyhomesforsale.com for more information.  I would be happy to discuss your real estate needs with you.  I can be reached at 9703021233

Before committing to any rehab project try and get a clear picture of what the total project is going to entail before you begin.  Chances are there will be surprises along the way.  Be sure to build this into the budget from the beginning!  Surprises cost both time and money.  Be prepared.  Being realistic will help your project run smoothly.

Working with a professional real estate agent can give you an advantage.  It is the job of the professional real estate agent and broker to know the area market and trends.  Use this to your advantage.  Additionally, check with zoning regulations and if you are considering purchasing in a historic district check for any requirements before you purchase and begin your fixer-upper project.  Work with an experienced real estate professional in the Greeley Colorado and Weld County area to make the most out of your project.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com.   Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.

 The difference between real property and personal property may seem obvious – until closing day.  As a professional real estate agent in the Greeley Colorado and Weld County area, I have seen many misunderstandings come about unnecessarily.  An easy way to avoid problems at closing is to have a clear understanding of what stays with the house in writing.  Negotiating every detail is vital to the success of a purchase and sale.

Real property consists of everything that is permanent including the house, the land, and permanently affixed items.  Examples of permanent items are hard wired lighting fixtures and nailed down wall-to-wall carpeting.  Examples of personal property are furniture pieces, dishes, and towels.  Some items such as certain appliances, fall into a gray area and may be considered either real or personal property.  In order to avoid misunderstandings at closing, make sure your purchase offer specifically lists any appliances or other items that are to remain with the house. 

An item can become real property when negotiated as part of the sales contract.  This has become common in the Greeley Colorado and Weld County area especially with so many custom kitchen renovations taken place.  For example, if a particular appliance fits perfectly within a space, the buyers would want that appliance to remain.  The sales contract insures that appliance will remain with the house if negotiated as such.  Visit www.greeley-weldcountyhomesforsale.com for examples of houses for sale in the Greeley Colorado and Weld County area.

The bottom line is better to list any items that you want to remain with the house in the sales contract, rather than to assume they will be there when you close.  Take note of any item that you assume is part of the real property and ask your real estate professional if that item is part of the contract.  If it is not, consider negotiating a clause for it.  Ask if the curtains and rugs stay with the house.  As a general rule, anything permanently attached to the house is part of the real property; don’t leave it to chance.  If you need a real estate expert please contact Marc Oster at 9703021233 or email me using the form at the end of the article. 

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com.

Sometimes it can be difficult to know which neighborhood would be best suited to your own personal needs when you are first looking for a home in Greeley Colorado and Weld County. Here are a few resources you can use to get a better idea of which area of Greeley Colorado and Weld County would suit you best.

#1 – A good starting point is to look online. You can look at local websites that have maps of the different areas of Greeley Colorado and Weld County. These maps can show you different amenities in the Greeley Colorado and Weld County community such as libraries, community centers, public pools and shopping centers. They will also show you which schools are close by, which will be an important factor if you have children or are planning a family.

#2 - Call a Greeley Colorado and Weld County real estate agent and asked him which areas he would recommend. He may tell you that you need to schedule an appointment to go over your wants and needs, and if you are serious about looking for a house in Greeley Colorado and Weld County then this is a good place to start. After all, who would know better than an Greeley Colorado and Weld County agent? He hears feedback about the different communities on a daily basis in his line of work.

#3 - You can always turn to friends and family that live in Greeley Colorado and Weld County, but you may get a biased decision depending on what kind of experiences they have had in their communities. Remember that it only takes one bad experience to turn someone off of an area, and that really plays no part in determining whether a community in Greeley Colorado and Weld County is suitable for you or not.

With a little bit of resourcefulness you can find the best community in Greeley Colorado and Weld County and start looking for a home there immediately.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate. So please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.  

Visit www.greeley-weldcountyhomesforsale.com for more information

Thanks for reading and have a great day,

Marc Oster

If you have been considering buying or selling real esate in the area you may have been wondering why you need a real estate agent, and how they get their qualifications. It is important to know how trained and educatd this person who is sitting in front of you really is. You are, after all , about to engage in a serious financial decision. Maybe the biggest one of your life.

Any real estate agent must be licensed in order to work on your behalf. The licensing requirements vary from state to state, however they are quite similar in many respects. In most states the minimum age for acquiring a licence is nineteen, and the minimum education required is a high school diploma.

When the minimum requirements have been met, a person can go on and get pre-licence training. There are real estate schools that offer this traing, and it can also be achieved online. There are various time limits for completing this study, and some studnt take up to a year to get their pre - licence.

A few of the topics covered include:

real estate law
owner transfership
deeds
contracts

Following this training the student must pass a state approved examination. More study must be done with courses that are state - approved.

You can see that your agent has been well trained to best serve your interests when buying or selling property in.

If you need more free information about selling, buying or investing in Greeley Colorado and Weld County real estate feel free to contact Marc Oster. For complete information about the Greeley Colorado and Weld County real estate market, including the most recent homes for sale, current property values and more, please visit the most complete online website  dedicated to meeting all of your Greeley Colorado and Weld County real estate needs at www.greeley-weldcountyhomesforsale.com.   Do not hesitate to contact me anytime with any of your real estate or mortgage related questions and I will be happy to answer your them for you. Call me on my cell at 970-302-1233or email me using the following form.

Thanks for reading.

Touring homes for sale in Greeley Colorado and Weld County can be a confusing process.  There are many great homes for sale.  Often real estate agents schedule viewing appointments one after another for their clients.  This series of appointments are groups of homes that fit the buyer’s criteria.

Visiting one home after another is an efficient use of time as well as beneficial to the decision making process.  It is easier for buyers to compare properties against each other when they are viewed on the same day.  However, viewing several homes on the same day can become a confusing and even overwhelming process.  Y & M Real Estate LLC suggests creating a list such as the one in the example below to help you keep organized while touring potential homes for sale in the Greeley Colorado and Weld County area.  If you bring along a digital camera, take a snapshot of the listing sheet given to you by your real estate agent prior to each home tour.  If your camera has voice recording or video capabilities consider recording a few notes for yourself after each home tour.  This tip will help you remember the differences between each house choice.

List 1 - Your Wish List

Make a realistic list of what your ideal home will be.  The key word for this list is, “realistic.”  If a seaside mansion is not within your budget, don’t include this on the list.  Examples of a realistic wish list for the average homebuyer include:

- Single family home
- Attached garage
- Three bedrooms
- 2 bathrooms
- Two-story home
- Walking distance to schools
- Near post office, stores
- Hardwood floors
- Dish washer
- First floor laundry room
- Master bedroom near other bedrooms
- Master bedroom away from other bedrooms
- Color palette

Note:  Although many items on your wish list may be fairly easy and/or inexpensive to change (such as wall color or carpeting,) if a home already fits your criteria, that is one less item you would need to change.  In the end, if you are torn between two properties, the little details may be what make your decision.  Marc Oster, real estate expert, has seen many home buyers torn between two properties.  The home that comes closest to the buyer’s wish list is the one that they eventually will call home.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com.  Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.

Thanks for reading

Marc

Have you been thinking about getting a fixer upper in Greeley Colorado and Weld County as an investment that you can repair and sell later? Maybe you want to live in it. Either way, finding a good one can be a real money-maker, and if you know what you should be looking for you are all set. Here are a few ideas of what to look for when you are searching for a handyman's delight in Greeley Colorado and Weld County as an investment.

1. Simple problems

You need to find a Greeley Colorado and Weld County house that looks incredibly ugly, yet has very simple problems. Painting, flooring and other superficial problems can be a gold mine in an old house. They can prevent a sale even when the Greeley Colorado and Weld County home is full of potential.

2.No structural problems

Structural problems in a home are usually too costly to repair when you are looking at the Greeley Colorado and Weld County home as an investment. Some structural difficulties can be difficult to spot, and you may need to call in a professional for a home assessment in order to find them.

3. A good neighbourhood

Although it is more difficult to find a fixer-upper in a good Greeley Colorado and Weld County neighbourhood versus a bad one, you can spot some hidden gems that can equate to thousands of dollars in the long run. Take your time, and don't be mislead by fixer-uppers in a rough part of Greeley Colorado and Weld County, which may take months to sell. They are simply not worth your time.

There are a lot of other items you should look for when you are searching the market in Greeley Colorado and Weld County for an investment opportunity. You can ask your Greeley Colorado and Weld County real estate agent for his help and guidance. He has worked with many real estate investors and knows which homes in Greeley Colorado and Weld County have the most potential for profit. To get started, all you need to do is call an agent and start.

If you need more free information about selling, buying or investing in Greeley Colorado and Weld County real estate, feel free to contact Marc Oster. For complete information about the Greeley Colorado and Weld County real estate market, including the most recent homes for sale, current property values and more please visit the most complete online website dedicated to meeting all of your Greeley Colorado and Weld County real estate needs at www.greeley-weldcountyhomesforsale.com.  Do not hesitate to contact me anytime with any of your real estate or mortgage related questions and I will be happy to answer all of your questions. Call me on my cell at 9703021233 or email me using the form below.

A good place to start looking for a fixer-upper home is in the Greeley foreclosure market.  Visit www.greeleycoloradoforeclosures.com. for information about foreclosures. 

Thanks for reading and have a great day!

Marc

It's a common scenario. You're all ready to buy your lovely Greeley Colorado and Weld County home. Your blood is rushing. You feel the clock is ticking, and you can just picture your nice clean home, and you can't wait to move in. Well, not so fast. You have to tread carefully when buying a home. Otherwise you will make some very common home buying mistakes. Here are a few of them and how to avoid them.

Taking too much advantage of the Internet
Many people rush into the buying process too quickly. It's easy to do this with the use of the Internet. All too often people get on the Internet looking for loans. Then they get approved. It all happens so fast that before the buyers know it, they've locked themselves into a contract they simply can't get out of.

Many times, companies will get calls from people who have already signed contracts. The homebuyers will say, "We've found another home." or "We've bought too big of a home." However, a contract is a contract, and once you sign the dotted line, you will be living in that home. To avoid this mistake, you'll want to be a little more patient in the home buying process. A Greeley Colorado and Weld County real estate agent can work with you to make sure that your perfect home isn't out of your reach. There's no need to rush when you have the professional help of an agent during the home buying process. What you have to do is plan, research and prepare. Sometimes, buying a home can take up to twelve months, but at least then, you will be sure that you have made the right choice, even if it takes a little bit longer than you thought it would.

First time homebuyers often buy a home that is outside of their budget
Have you ever seen a beautiful and spacious home with little to no furniture in it? That's exactly what happens when you buy a home that you can barely afford. Sure, homes in  Greeley Colorado and Weld County are very tempting, but there's definitely a home in Greeley Colorado and Weld County that you will be able to pay for comfortably.

Many first time homebuyers push themselves right up to or beyond their limits. Inevitable circumstances such as an economic or personal crisis can leave one headed for foreclosure. You want to have a peaceful time in your home in Greeley Colorado and Weld County. Therefore, give yourself a little room to breath. When you go to that lender, take out a loan you are sure you can make the payments on comfortably. Otherwise, you may end up living a life of just barely being able to make the payments on your home.

You can avoid many home buying mistakes if you work with professionals who are knowledgeable about buying a home. If you need someone to partner with you in the home buying process, it is best for you to contact an agent to work with you. The Greeley Colorado and Weld County real estate market is one of the top markets to live in right now, and an agent like myself is ready and willing to help you find your dream home.

For more information, you can visit my Greeley Colorado website at www.greeley-weldcountyhomesforsale.com.  You can also contact me on my cell phone at 9703021233.   You can send me an e-mail by filling out the form below.

Thanks for reading and have a great day!

Marc

The days of getting a mortgage without putting up a down payment are pretty much dwindling away. Today's rough economy has made many lenders tighten their belts. These days you need to be able to come up with about a 20% down payment to get a home.

Coming up with the down payment is worth it for many different reasons. You just can't beat buying a home in Greeley Colorado and Weld County. These homes are great. However, if you don't have a down payment, how do you come up with one? And why do you really need to make a down payment in the first place?

There are several reasons why it's a good idea to put a down payment on a home.  Only a few zero down payment plans exist today. Therefore putting a down payment on the home might just be the only way you end up qualifying for the loan in the first place. Furthermore, the higher the down payment you put on the home, the lower your monthly payments will be.

Also, putting a down payment on your home creates equity. Later on, you will able to borrow against this equity if you need to in the form of a line of credit or a home equity loan. A down payment will also help you to get a lower interest rate, and if the payment is at least 20%, you may not have to get mortgage insurance at all.

Also, since most lenders are now requiring that you put some kind of cash up on the home, with a down payment in hand, you will be able to shop amongst more lenders. That means you can get a better deal on your mortgage and not have to worry about dealing with only those few people who will let you get by without making a down payment.

There are several ways you can come up with this money for buying a home in Greeley Colorado and Weld County. One way is to make use of your income tax refund. You could also create a monthly savings plan. You may also want to consider using the holiday bonuses you get from your employer or applying for government assistance programs. Putting up a down payment is definitely worth some of the legwork it may take to get the funds together.

Homes in the Greeley Colorado and Weld County real estate market are great homes for anyone to live in. There's a vast amount of free information that can be found about Greeley Colorado and Weld County homes on the company website at www.greeley-weldcountyhomesforsale.com.  With the help of agents like myself, you can get the assistance you need to find the Greeley Colorado and Weld County home of your dreams. You can call me on my cell phone at 9703021233 or you can email me using the form below.

Thanks for reading and have a great day!

Marc

When the economy is down you can pick up a great Greeley Colorado and Weld County home in for an incredible price. The time has never been better to find yourself a great deal. It is truly a buyer's market, and if you play your cards right you can walk away with a better price than you would have ever thought possible.

Many millionaires made their mark during the last recession. They thought big and used the state of the economy to their advantage. They thought smart and acted smart and got the rewards. It is possible to invest in Greeley Colorado and Weld County real estate now and see major future profits in the near future. Think smart and profit.

There is no way that this great country will not rebound to a higher economic level. It may take time, but have no doubt; this recession will come to an end. Use it now to your advantage.

If you have enough money for a down payment for a nice house in Greeley Colorado and Weld County, why not look at downgrading your house expectations and look at purchasing two? You can have a nice rental unit on the side that will be worth more as the economy springs back into shape.

Don't have enough for that? Consider partnering with a friend or family member to make a real estate investment in Greeley Colorado and Weld County. The time is now to do it!

Most self made millionaires started off small and worked up from there. Instant riches are not a part of real estate investment when you are first starting out on a limited budget. There are, however, unlimited opportunities in Greeley Colorado and Weld County to invest in now and see high profits in the near future.

Take a few minutes to re-evaluate your current financial situation to determine whether purchasing a Greeley Colorado and Weld County property is a possibility.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate. So please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.

To get started in buying the best deals in Greeley Colorado you might want to consider Greeley Colorado Foreclosure homes.  Visit www.greeleycoloradoforeclosures.com to find out more information about bank owned properties. 

For more Greeley Colorado real estate information visit www.greeley-weldcountyhomesforsale.com.

Thanks for reading and have a great day!

Marc

An early mortgage payoff is a must for every homeowner.  Even if you are not disciplined, you too can pay off your mortgage years before it comes due.  Homeowners who have discipline, but lack the knowledge needed to pay off their mortgage early, can benefit from similar financial planning know how.

Some mortgage lenders will set up a special repayment plan for a fee.  These plans can be a biweekly repayment structure, or an extra payment.  Although it is best to work out a repayment option that does not require you to pay an additional fee, if that is the only way you can make the payment ñ do it!  Consider what the fee will cost against the amount of money you will save over the life of the loan.

It is possible to pay off a 30-year mortgage in 20-years or less by making extra payments and/or more frequent payments.  Your mortgage is a structured repayment plan.  Any principal paid over the calculated amount will reduce your interest debt.  Over time this translates into satisfying the mortgage debt years before it is due to be paid off.

Just imagine what you could do with the extra money you will have each month once your mortgage is paid off!  Perhaps you could retire early.

When you pay extra principal on your mortgage you build equity in your home faster.  Many people in the Greeley Colorado and Weld County area use this extra equity to upgrade to a larger home.  Yet other financially savvy people use the extra equity to purchase a second Greeley Colorado and Weld County area home.  This becomes an income property for them.  They are well on their way to building wealth through real estate.

If you would like more information about paying your mortgage off early or using the equity in your home to help reach your financial goals, feel free to call me at 9703021233 or by email by using the form below.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com.   Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.

Thanks for reading,

Are you considering purchasing your first home in the Greeley Colorado and Weld County area?  Here are some tips from local real estate expert, Marc Oster of Y & M Real Estate LLC to get you started on the right path toward home ownership.

The first step any first time homeowner should take before looking for real estate in Greeley Colorado and Weld County is to attend a home buying seminar.  Experts such as real estate professionals, mortgage lending companies, and even home inspectors offer free seminars.  These no obligation seminars offer useful information that can potentially save you thousands of dollars.

The next step to take prior to buying a home in the Greeley Colorado and Weld County area is to know your credit score.  This step should be taken early in the process.  Some experts suggest checking your credit score as early as six months prior to buying your first home.  The reason for this is because your credit score can determine the type of financing you will be eligible for.  If there is a blemish on your credit report you will have time to correct the problem and build up your credit score prior to applying for a mortgage loan.  Know your debt-to-income ratio.  This ratio can affect your eligibility to obtain a mortgage as well as the type of financing to secure.

Choose a professional real estate agent.  Buying a home is the largest investment most people make during their life.  Professional real estate agents are knowledgeable with the home buying process from start to finish.  For more information on all that a real estate agent offers go to www.greeley-weldcountyhomesforsale.com.

Get pre-qualified for a loan.  There are two benefits for becoming pre-qualified.  The first allows you, the home buyer, to know what price range of homes to look at.  The second gives you more weight with the seller when putting in a purchase offer.  Sellers tend to choose an offer with a pre-qualified buyer over an offer from a buyer without pre-qualified financing already lined up.

With all of these steps in place, you are now ready to go out and find your first home.

More information is available free to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com  Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me using the form below.

If you've heard about the good deal you can get on some Greeley Colorado Foreclosures visit www.greeleycoloradoforeclosures.com.

Thanks and have a great day,

Marc Oster

So you want to buy a green home in Greeley Colorado and Weld County, but don't know where to start?  There are many points to consider when evaluating if a home is environmentally friendly.  Being green is more than just using eco-friendly products.  Other items to look at include sustainability and efficiency.

Of course using products that were produced with the environment in mind is important.  However, sometime it can be green to use an older product.  Recycling vintage products such as antique flooring or decorative hardware is eco-friendly because new materials and energy are not being consumed to create the product.  New homes and newly remodeled homes are using this practice more and more.  To find out more about green homes in Greeley Colorado and Weld County contact Marc Oster at 9703021233 or fill out the form at the end of the article.

When new items are purchased for a home there are several points to consider.  Water and energy consumption are big factors.  A green home can appear to be the same as a traditional home.  Both homes have toilets, water heaters, showers, clothes washers, and garden irrigation systems.  The difference between the two houses is the green home chooses environmentally conscious designed appliances to do the job.  A tankless water heater uses less energy to heat because the water is heated only when called for.  Traditional water heaters use energy to keep the water in the tank hot 24/7.  Showerheads in the bathroom and faucets on all of the sinks can be installed with flow restrictors.  This will use less water.  A front load washing machine uses less water than a top load machine.

The landscape of a home can tell a lot about how efficient and sustainable it is.  The orientation of a home on the land should be eco-friendly.  When looking at homes in the Greeley Colorado and Weld County area notice how the home sits on the property.  It should make the most out of daylight.  This will reduce the need for heating and cooling.  Landscaping is important too.  Plants that are native to Greeley Colorado and Weld County have many benefits over other landscaping.  Native plants use less water, need less maintenance, and generally are less susceptible to pests.  Other green landscaping practices include a system for gathering rain water and grey water to use as irrigation.

Green homes help the homeownerís budget as well as the environment.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com. Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233 or email me at ostermarc@gmail.com.

Is That Home is Eco-Friendly?, by Marc Oster, Greeley Colorado and Weld County Real Estate Expert

So you want to buy a green home in Greeley Colorado and Weld County ñ but donít know where to start?  There are many points to consider when evaluating if a home is environmentally friendly.  Being green is more than just using eco-friendly products.  Other items to look at include sustainability and efficiency.

Of course using products that were produced with the environment in mind is important.  However, sometime it can be green to use an older product.  Recycling vintage products such as antique flooring or decorative hardware is eco-friendly because new materials and energy are not being consumed to create the product.  New homes and newly remodeled homes are using this practice more and more.  To find out more about green homes in Greeley Colorado and Weld County contact Marc Oster at 9703021233

When new items are purchased for a home there are several points to consider.  Water and energy consumption are big factors.  A green home can appear to be the same as a traditional home.  Both homes have toilets, water heaters, showers, clothes washers, and garden irrigation systems.  The difference between the two houses is the green home chooses environmentally conscious designed appliances to do the job.  A tankless water heater uses less energy to heat because the water is heated only when called for.  Traditional water heaters use energy to keep the water in the tank hot 24/7.  Showerheads in the bathroom and faucets on all of the sinks can be installed with flow restrictors.  This will use less water.  A front load washing machine uses less water than a top load machine.

The landscape of a home can tell a lot about how efficient and sustainable it is.  The orientation of a home on the land should be eco-friendly.  When looking at homes in the Greeley Colorado and Weld County area notice how the home sits on the property.  It should make the most out of daylight.  This will reduce the need for heating and cooling.  Landscaping is important too.  Plants that are native to Greeley Colorado and Weld County have many benefits over other landscaping.  Native plants use less water, need less maintenance, and generally are less susceptible to pests.  Other green landscaping practices include a system for gathering rain water and grey water to use as irrigation.

Green homes help the homeowner's budget as well as the environment.

There is a lot of free information available to you about buying, selling or investing in Greeley Colorado and Weld County real estate. For complete information about the Greeley Colorado and Weld County real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Greeley Colorado and Weld County real estate at www.greeley-weldcountyhomesforsale.com. Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 9703021233

For more information about Greeley Colorado Real Estate visit www.greeley-weldcountyhomesforsale.com.

Thanks and have a great day!