(continued from Boulder Home Buyer's Guide)
Also as part of our service, we listen and consult with you about local macro and micro markets, advantages and disadvantages of competing locations, and identifying exactly what works best for you. Looking at current inventory, historical trends, etc., we can identify opportunities that will interest you. Since RE/MAX of Boulder lists more property in our market than anyone else, many times we have access to properties that have not even hit the market yet - another valuable advantage for you.Once we have a "short list" of potential properties, we'll research deeper into each property's history, further refining potential buying opportunities for you. Some properties are diamonds in the rough, so to speak, and will require some polishing to reveal their true potential. Up for a fixer project? We have local contractors who can help quantify the cost, enabling us to further refine our search. Many homeowners believe that all projects involve a big expense, but many times we can recommend the smallest of changes that results in the biggest net return to you.
When we find the right property, it's time to structure an offer that incorporates terms and conditions specific to you and your situation. Our experience and research will give you the confidence to make an appropriate offer, and we will work hard to make it happen for you. We also work directly with your lender, if applicable, and incorporate important contingencies into your offer that will make the transaction go smoothly and protect your interests.
How much home can you really afford? We recommend you work with an experienced, local mortgage professional who will not only get you a great interest rate, but also work with you to get the best loan program for your situation. Please note: Whatever you do, do not make any major purchases, open any lines of credit, or make any other changes to your financial situation - regardless of how trivial it may seem - before talking with a lender. The lending environment has changed and you don't want any surprises at the last minute.
Visit our Financing Section for more details on current mortgage rates, loan programs, etc., but below is a mortgage calculator to give you some idea of monthly payments under certain conditions. Input your loan amount and terms, as well as your down payment, and see what the result is by clicking "Calculate". Note: If you check the box next to "Show me the calculations and amortization", a long 30-year amortization schedule will be presented; otherwise a much shorter payment summary appears.
This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the property taxes, and their effect on the total monthly mortgage payment.
What about all the real estate documents? Buyer Agency vs. Transaction Brokerage, home inspections, appraisals, deadlines, title commitments, loan commitment deadlines, loan locks, contingencies, repairs, back-up offers, first rights, foreclosures, short sales . . . a lot to consider. There are numerous other, very important decisions you have to make in any Colorado real estate transaction and we will consult with you on every aspect of your deal. While decisions are ultimately yours, we will make sure you have sound, market-oriented information and advice to guide you.
Register now to create your free, personalized, and password-protected Premier Buyer account, and take advantage of our advanced home-buying resources and technology. You'll receive some valuable benefits by registering: Once you register, your custom property searches will be saved in the system, so you don't have to fill out your search criteria each time you search current listings. You can also print flyers, request more information, send to a friend, request a private showing, view a map, and even get driving directions. This is a free, password-protected account.
At the end of the day and as you consider who should represent you, the proof has to be in the pudding: At RE/MAX of Boulder, our office was named the #1 RE/MAX office in the 5-State Region in 2003, 2004, 2005, and 2006, and the #1 RE/MAX office in the entire United States in 2007, 2008, and 2009, based on sales volume. We've been the leader in our market for 20 straight years.
Another company might get an award for one year, but the kind of excellence and long-term consistency exhibited by our team at RE/MAX of Boulder doesn't happen unless there's a great team of professionals in place at every level of the organization, working for their clients and acheieving great results. The bottom line: Our qualifications, experience, and resources deliver valuable results to our clients. We are confident we can provide the best service in the market to you, and we'll have some fun along the way! Contact us today or simply submit the following form to get started.
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