Arvada Colorado
Arvada Colorado is one of the hidden gems in our state. With its’ easy access to trails, abundant green spaces, local businesses and friendly atmosphere, it is easily the best neighborhood in the Denver metropolitan area.
Arvada Colorado Parks
Arvada Colorado is one of the hidden gems in our state. With its’ easy access to trails, abundant green spaces, local businesses and friendly atmosphere, it is easily the best neighborhood in the Denver metropolitan area.
How’s the Market? – Denver Housing Prices
Real estate terms can be confusing. Here is a great glossary of the terms you are likely to see.
Downsizing Denver
Downsizing Denver Making the decision to downsize your home is never an easy one. Some people are motivated by the potential savings, others want to be closer to family or just need less space in their home. Covid-19 has a lot of people considering downsizing their home as they’ve had time to reflect on what’s…
Sweat Equity
After my clients buy a home, they often send me updates of the projects they have done. I love receiving these and seeing work we had discussed during the buying process come to completion. By sharing some of these stores it gives future buyers a glimpse of what is possible with some hard work and imagination. Purchasing a home can be financially taxing and many people get homes that need a little bit of love!! While not ideal for most it does give you the opportunity to put your own stamp on the home.
Preparing to Buy a Home
There is no one size fits all when it comes to buying a home. Everyone’s circumstance and goals differ. In general the below is what I would recommend to buyers as they look to take those initial steps towards buying a home.
What is a Credit Score/FICO Score?
There are three main credit reporting agencies, also known as credit bureaus, TransUnion, Experian and Equifax. They collect data regarding your past and current credit and debt. They then resell it to businesses such as financial institutions which they use it to evaluate your ability to repay a loan. All three of these bureaus which are publicly traded and for profit, use a scoring model known as Fair Isaac Corporation or FICO!! This scoring model us used by 90% of the 100 leading financial institutions for their risk assessment.