13 Tips to Help Sell Your Home This Winter

Wednesday, November 27th, 2013

Fewer Late On Mortgage Payments = Housing Strength:

The winter is usually the slowest home selling season. The main focus is on family and the holidays, not on buying a home. Most homeowners take their homes off the market for the winter.  Time to hibernate and wait for spring!

Or is it?  Columnist and Realtor Jessica Roberts suggest that you follow these simple and effective home care and staging tips to ensure your home sells this winter:

1.       Take photographs of your home outside before the snow falls. A snow-covered home may look festive, but the features of your home will be hidden.

2.       Clear the driveway, sidewalks, and steps from snow and ice. Use sand and deicers as needed to keep walking areas neat and safe for visitors.

3.       Keep holiday decorations simple and clean. Less is more.

4.       Inform buyers of town plowing schedules and upkeep of neighborhood streets.

5.       Keep scents from candles, plug-in air fresheners, and room sprays to a minimum. Use warm and gentle fragrances. Lavender and rosemary bouquets are a natural way to scent your home.

6.       Encourage showings during daylight hours for maximum lighting.

7.       Have a timer set for indoor and outdoor lights if you won’t be home before a showing.

8.       Hire a professional window cleaner for indoor and outdoor cleaning. Crystal clear windows will help maximize light in the house.

9.       Make sure the house is warm and cozy. Add blankets, throws, and area rugs to each room. Turn the thermostat up for the showing. Have a timer set if you won’t be home.

10.    Keep indoor decorations simple, green, natural, and seasonally appropriate.

11.    Show buyers you take exceptional care of your home. Request guests to take off shoes and offer paper booties.

12.    Keep shovels, snow blowers, deicing materials, and winter gear stowed away.

13.    Provide buyers with a list of local winter and seasonal activities.

Time to create a seasonal strategy and increase your chances of selling your home this winter. Seasonal opportunities, current market trends, and simple home care and staging tips will help sell your home this winter.

Mortgage Rates: Home Prices Push Past Rising Rates

Sunday, September 8th, 2013

Despite rising interest rates, home prices continue to surge higher. The latest read shows values, including distressed properties, up 12.4 percent in July, year over year, according to a monthly CoreLogic report. That’s higher than both May and June’s annual increases.

This is the 17th consecutive month of annual gains for home values nationally. Prices were up 1.8 percent month over month, according to the report.

Mortgage rates are about a full percentage point higher today than they were at the beginning of March. The average rate on the 30-year fixed hit 4.80 percent by the middle of last week, according to the Mortgage Bankers Association. That is the highest since April 2011.

Rates have been trending higher on expectations that the Federal Reserve will begin to taper its investments in mortgage-backed securities.

Home prices are also trending higher in part due to the fact that there are fewer distressed properties for sale. Excluding distressed sales, prices were up 11.4 percent year over year. Distressed properties have seen big price jumps in the past year, as investors fight to get the remaining deals.

Mortgage Company | Mortgage Refinance |

Friday, August 30th, 2013

Mortgage Company Colorado Etiquette: The Best Gadgets Every Mortgage Company Denver Should Offer Its Employees

Mortgage Company Colorado. Are you a real estate broker (or any kind of broker)? Are you employed in a mortgage company Denver in Colorado, Denver, Iowa, Omaha or Nebraska?

Perhaps you were wondering about the best tools you can use in your daily activity at work. Well, the news is good: technology is making advancements in all fields, and it is not ignoring yours.

Here is a list of the best gadgets you can use if you are a broker:

  1. EyeSee 360’s GoPano Micro – Admit it, photos taken with a traditional camera are often not enough to convince a client, right? Every mortgage refinance Colorado company should have the EyeSee gadget – it can take 360 degrees pictures and all you need is your smartphone!
  2. DeLorme inReach – how many times did you visit a building in an area where there was no cell phone coverage? This small gadget allows you to transform your Android phone into a satellite device. Even though it does not provide you with the full functionality of cell phone coverage, you will be able to use text messaging, remote tracking and SOS emergencies.
  3. Xerox Mobile Scanner – when you are on the run or you want to know that you can keep all your important files at hand. With the mobile scanner you can multiply documents in an instant – while you’re out on the field, meeting with clients! Cool, huh?
  4. Synchronized apps – They make your life so much easier! And there are lots of free apps that perfectly sync with your PC, tablet or laptop. Evernote in particular is a brainy tool that you can use to stay organised. Other apps that you might find useful include Trello, Google Docs, or any other app where you can store information about your clients, or various photos.

FHA Home Loans | Iowa | Omaha | Nebraska

Wednesday, August 21st, 2013

FHA Home Loans – A Very Quick Guide


An FHA Home Loan in Colorado, a FHA Home Loan in Denver, a FHA Home Loan in Iowa, a FHA Home Loan in Omaha, and  FHA Home Loans in Nebraska are valuable assets when you are looking to streamline the process of  buying a home. However, not all people know what this is or what it means. If you want to find out more about  FHA home loans and home mortgages, read on – this article provides you with a brief explanation.

What does FHA stand for?

It means Federal Housing Authority.

When do you need an FHA?

Whenever you are looking to purchase a house and you want to lessen the process by obtaining less-rigid borrower requirements. However, not everyone can qualify for a Colorado FHA home loan; it heavily depends on the credit loan history or the applicant, their income and employment, the mortgage amount, the down payment, as well as other criteria.

In addition to that, not all buildings are FHA eligible. How can you make sure you can benefit from the FHA? Look for buildings (dwellings) which were built within an FHA approved condo project – all these buildings are eligible for FHA financing.


The most important thing you must understand is that the FHA does not make loans. Rather, they are insuring private lenders loans.

How can you get a FHA home loan in Omaha?

The first thing you need to do is find an FHA-approved mortgage broker or lender. Pay attention, though; only those who are approved by the U.S. Department of Housing and Urban Development are “the real deal”.

Once you found a trustworthy broker or lender, they will explain what you need to do in order to get hold of the Denver FHA home loan.

Should you choose a FHA home loan in Iowa?

If you can, then definitely yes! It offers you a lot of flexibility and financial strengths that you would otherwise not be entitled to.

Lower Home Mortgage Rates | Iowa | Nebraska

Tuesday, August 6th, 2013

Lower Home Mortgage Rates

Lower Home Mortgage Rates : Can You Get One?

Lower Home Mortgage Rates Colorado are not too far from our reach. According to the Commerce Department, homeownership in the United States hit a 17-1/2-year low in the second quarter as Americans continue to shift toward renting, underscoring the lingering effects of the recession on the housing market.  The seasonally adjusted rate slipped to 65.1 percent, the lowest since the fourth quarter of 1995. The rate, which peaked at 69.4 percent in 2004, was 65.2 percent in the first quarter.

In the second quarter, the decline in Lower home Mortgage Rates Denver was concentrated in the 45-54 age group, where it fell four tenths of a point. It rose among people 65 years and older, in line with recent trends. Ownership among people between 55 and 64 years fell 0.3 percentage point in the second quarter.

There were small gains in the 35-44 age cohort.

And that is where opportunity exists.  This group of Lower home Mortgage Rates Iowa has recently been freed up from underwater mortgages as home prices have risen well over 10% in the last 12 months.  Many renters that have decided to rent have done so primarily for two reasons.  First, in some cases it has been less expensive to rent and secondly, they have been worried that once they purchase a home it will decrease in value.  However, the recent trend in increasing lower home mortgage rates Nebraska values have renters considering getting off of the sidelines to take advantage of a market that is on its way up.


Home Mortgage Rates | Iowa | Nebraska | Omaha

Monday, July 15th, 2013

Home Mortgage Rates 2013

Home mortgage rates Denver and home prices have recently increased, is real estate still a good investment?  That is the question that many investors and those looking for home mortgage rates Colorado, clearly wanting to avoid the trap of the last housing bubble.

Home Mortgage RatesJonathan Gray, Blackstone’s global head of real estate thinks it is still a great investment.  And he should know, Blackstone owns over 31,000 U.S. homes and is buying more, despite the home mortgage rates Nebraska and home mortgage rates in Omaha

Though many are focused on the recent rise in home mortgage rates Iowa, prices are dramatically below 2006 levels in a number of markets, Gray said. “We think they still represent good value, and the supply-demand picture there looks pretty good. We’ve only been building at about half the rate of obsolescence and population growth in terms of new starts, and that is supporting the value.”

He also stated that the single-family housing market should remain bullish for two to four years. Blackstone Real Estate has $60 billion in total assets under management and $10 billion in capital available for investments. A portion of these assets, valued at over $5 billion, is made up of 31,000 homes in 13 U.S. markets.

Home Loan | Iowa | Nebraska | Omaha

Monday, June 10th, 2013

Home Loans and New Home Sales Continue to Increase, Even With Increased Rates

Home Loan Colorado and the housing recovery are on a normal trajectory and gradual increases in home loan Denver interest rates won’t slow it down, according to Home Builder Lennar CEO Stuart Miller.


With home loan Iowa interest rates at historic lows, Miller expects that as home loan Nebraska and home loan Omaha rates move up, slight increases “are not going to stop the progress forward” of the housing recovery. “Housing continues to find its rebound and gain strength,” he said. “Over the past five years we have under-constructed for a growing household formation that has been stymied by economic downdrafts.”


Miller estimates that the country needed 1.25 million to 1.5 million homes per year over the past few years, but instead only about 500,000 homes were constructed. “We’re going to have to catch back up in order to serve the needs of a growing population,” he said. “We have to make up for the deficit we’ve had in the past years.”


The key force is a tight supply of housing exacerbated by a lack of land availability, he said. “What you’re seeing with the builders is an inability to really get the land that we need to be able to build the homes to meet the demand,” he said. “So you have inventories that are very, very low, and that is driving prices up.”


Miller also said that the cost of commodities for builders is a “mixed bag”

and that prices of homes are rising faster than costs. “I don’t think you can read a lot from costs,” he said, adding that although costs of raw materials are going down, other factors, like labor, are getting more expensive.


“We’re starting to see a real recovery in housing that is not likely to be pulled back,” he said.

Building Permits Hit 5 Year High

Tuesday, May 21st, 2013

The Commerce Department said Thursday that applications for building permits rose 14.3 percent to a rate of 1.02 million, the most since June 2008.

Builders are benefiting from a sustained rebound in housing that began a year ago. Steady job growth, rock-bottom mortgage rates and rising home values have boosted demand.

Housing starts came in at a seasonally adjusted rate of 853,000 which was a decline from last month.  However, the majority of that decline was in apartment and multi-family and not in single family residences.

Confidence among builders is rising. The National Association of Home Builders says its builder confidence index rebounded in May to a reading of 44, up from 41 in April. The outlook for sales reached its highest point in more than six years.

Pending Home Sales jump 7% from a year ago:

Friday, May 3rd, 2013

Contracts to buy existing homes rose in March, and would have increased even more it it wasn’t for a historically low supply of for-sale listings nationwide.

The Pending Home Sales Index from the National Association of Realtors increased 1.5 percent month to month which was better than the 1.0 percent increase that economists expected. It is 7 percent higher than March of 2012.

“Contract activity has been in a narrow range in recent months, not from a pause in demand but because of limited supply,” said the Realtors’ chief economist Lawrence Yun in a release. “Little movement is expected in the near-term sales closings, but they should edge up modestly as the year progresses.

The lack of inventory is due to several factors but one of the newer trends is that many sellers are waiting to put their homes on the market because they are waiting to see how much further home prices will increase.

Regionally, the Realtors’ pending home sales index was unchanged in the Northeast from February, up 0.3 percent in the Midwest, up 2.7 percent in the South and up 1.5 percent in the West.

Homes Appreciating Faster than Wages:

Thursday, April 18th, 2013


As we have been reporting for over a year, home prices are rising. That is
the good news. The bad news is that wages are not.

While historically low mortgage rates are translating into big savings for
homeowners, those same low monthly payments are masking a troubling trend.
While home values have been on the rise for the past year – in some areas
appreciating by 15 percent or more annually – median wages haven’t kept
pace. As a result, home price-to-income ratios in many areas are climbing.

By looking at two metrics – an affordability index and a price-to-income
ratio – Zillow researchers have determined that low mortgage rates that make
homes appear incredibly affordable are overshadowing a bigger overall trend
in which the overall prices of homes are actually significantly more
expensive than historic norms relative to annual incomes.

Homeowners in 24 of the 30 largest metros covered by Zillow were paying more
for homes in the fourth quarter of 2012 relative to their region’s median
income than they were from 1985 through 1999. Metros with the largest
difference between their pre-bubble and fourth quarter 2012 price-to-income
ratios included San Jose (52.1 percent more), Los Angeles (48.8 percent
more), Portland, (45.4 percent more), San Diego (44.6 percent more) and
Denver (40.8 percent more).