Thursday, December 29, 2011
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - The Golf Club at Bear Dance, Larkspur, CO" at http://ow.ly/8d93e
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - The Golf Club at Bear Dance, Larkspur, CO" at http://ow.ly/8d93e
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - The Golf Club at Bear Dance, Larkspur, CO" at http://ow.ly/8d93e
Yelp Review for the week - The Golf Club at Bear Dance, Larkspur, CO
This week we are going to see Yelp reviews of The Golf Club at Bear Dance, situated at 6630 Bear Dance Road, Larkspur, CO 80118. Consistently rated as Colorado's best, and most challenging public golf course, Bear Dance offers generous tree-lined fairways framed by flashing white sand bunkers, striking water features, and intricate greens. Enjoy being surrounded by the mountainous beauty of Ponderosa pine, oak-lined ridges and draws, and native grass valleys.
Few of the top reviews are given below:
G V. from Colorado Springs, CO says, "Great course. Very challenging. Great time of year to play. Little wind, grass is still green, air is cool and fall colors are popping all around. Greens are quick and very true (although some are a bit rough this year). Driving range is great, balls included. Practice area is nice. Use the practice green to gauge your speed. DONT play the tips if you are over a 5 hdcp....you'll not enjoy it and you WILL slow down play. GPS seem pretty accurate and if you are not from altitude, take into consideration the ball flies quite a bit further. If your lucky the surrounding mountains will have some snow caps. Seen fox, turkey and some small critters out here but never the bear. I heard the bear is with two cubs between 17 green and 18 tee mostly. Watch out."
Christine from Denver, CO says, "This might be one of the most beautiful courses in Colorado - and that's saying a lot! The course is interesting and challenging with a number of fairly tight fairways. They say it 7726 yards, but most of the professional tees seemed to be missing. So, it may be a bit shorter than that. There are only a few houses on the course which is such a treat. This scenery need no homes to spoil to it! They have a nice practice facility and club house. If I have friends visiting from out of state, this is the course I would take them to. It is a great course that is quintessential Colorado."
Few of the top reviews are given below:
G V. from Colorado Springs, CO says, "Great course. Very challenging. Great time of year to play. Little wind, grass is still green, air is cool and fall colors are popping all around. Greens are quick and very true (although some are a bit rough this year). Driving range is great, balls included. Practice area is nice. Use the practice green to gauge your speed. DONT play the tips if you are over a 5 hdcp....you'll not enjoy it and you WILL slow down play. GPS seem pretty accurate and if you are not from altitude, take into consideration the ball flies quite a bit further. If your lucky the surrounding mountains will have some snow caps. Seen fox, turkey and some small critters out here but never the bear. I heard the bear is with two cubs between 17 green and 18 tee mostly. Watch out."
Christine from Denver, CO says, "This might be one of the most beautiful courses in Colorado - and that's saying a lot! The course is interesting and challenging with a number of fairly tight fairways. They say it 7726 yards, but most of the professional tees seemed to be missing. So, it may be a bit shorter than that. There are only a few houses on the course which is such a treat. This scenery need no homes to spoil to it! They have a nice practice facility and club house. If I have friends visiting from out of state, this is the course I would take them to. It is a great course that is quintessential Colorado."
Wednesday, December 28, 2011
Read "Paralysis by Analysis: How to c...
Read "Paralysis by Analysis: How to complicate (or kill) your real estate or mortgage deal" at http://ow.ly/8c4Kv
Read "Paralysis by Analysis: How to c...
Read "Paralysis by Analysis: How to complicate (or kill) your real estate or mortgage deal" at http://ow.ly/8c4Kv
Read "Paralysis by Analysis: How to c...
Read "Paralysis by Analysis: How to complicate (or kill) your real estate or mortgage deal" at http://ow.ly/8c4Kv
Paralysis by Analysis: How to complicate (or kill) your real estate or mortgage deal http://ping.fm/U4ooq
Paralysis by Analysis: How to complicate (or kill) your real estate or mortgage deal
Last week my neighborhood got about a foot of snow. While running around doing last minute Christmas shopping, I noticed the wiser, more experienced drivers took a slow steady pace and went forward with a minimum of frustration. Inexperienced drivers tended to spin their wheels and loose traction, causing them to go nowhere or slide off into a ditch. This reminded me of some of the buyers/borrowers I have met over the years.
Paralysis by analysis refers to over-analyzing or over-thinking a situation to the point where a decision is not made. As General George S. Patton observed, "A good plan today beats a perfect plan next week". Thanks to the internet and well meaning, but ill informed friends, I see buyers/borrowers become overwhelmed from information overload. Two examples are:
1. The prospective buyer who wanted to analyze property appreciation by zip code over the next three to five years and maintenance costs broken down by square foot over the same time frame. The client, who was an engineer, was not pleased when I told him I did not have the answer and that I did not believe it was possible to make an accurate projection on a single property. While it would of course be possible to analyze historical trends, as any intelligent person knows, "past performance is not a guarantee of future results".
2. I had one borrower, a very sharp young accountant, who immersed himself in the internet and tried to put his own numbers together. The problem was that he kept comparing apples to oranges, and trying to apply outdated information to the current mortgage industry.
The cure for paralysis by analysis is very easy. Consider the source of the information. If you were referred by a professional or previous client, you are most likely in good hands.
Chip Allen
Crestline Mortgage Bankers
A Division of Universal Lending Corp
Direct: 303.947.2109
Fax: 303.987.0676
Loanchip@hotmail.com
Colorado Mortgage Broker License # 100019831
NMLS# 378621
Your Lender for Life!
When people you care about need a mortgage,
for purchase or refinance, please do not keep me a secret.
Paralysis by analysis refers to over-analyzing or over-thinking a situation to the point where a decision is not made. As General George S. Patton observed, "A good plan today beats a perfect plan next week". Thanks to the internet and well meaning, but ill informed friends, I see buyers/borrowers become overwhelmed from information overload. Two examples are:
1. The prospective buyer who wanted to analyze property appreciation by zip code over the next three to five years and maintenance costs broken down by square foot over the same time frame. The client, who was an engineer, was not pleased when I told him I did not have the answer and that I did not believe it was possible to make an accurate projection on a single property. While it would of course be possible to analyze historical trends, as any intelligent person knows, "past performance is not a guarantee of future results".
2. I had one borrower, a very sharp young accountant, who immersed himself in the internet and tried to put his own numbers together. The problem was that he kept comparing apples to oranges, and trying to apply outdated information to the current mortgage industry.
The cure for paralysis by analysis is very easy. Consider the source of the information. If you were referred by a professional or previous client, you are most likely in good hands.
Chip Allen
Crestline Mortgage Bankers
A Division of Universal Lending Corp
Direct: 303.947.2109
Fax: 303.987.0676
Loanchip@hotmail.com
Colorado Mortgage Broker License # 100019831
NMLS# 378621
Your Lender for Life!
When people you care about need a mortgage,
for purchase or refinance, please do not keep me a secret.
Paralysis by Analysis: How to complicate (or kill) your real estate or mortgage deal http://ping.fm/gZWmU
Tuesday, December 27, 2011
Check out my latest real estate colum...
Check out my latest real estate column titled "Lessons Learned From 2011" at http://ow.ly/8b6Nx
Check out my latest real estate colum...
Check out my latest real estate column titled "Lessons Learned From 2011" at http://ow.ly/8b6Nx
Check out my latest real estate colum...
Check out my latest real estate column titled "Lessons Learned From 2011" at http://ow.ly/8b6Nx
Lessons Learned From 2011. By Dan Polimino.
Here we are at the end of the year. It's always a good time to sit back and reflect on the past year. I also like to make a quick list of the lessons I have learned over the last year in Real Estate. Here are a few of the most notable.
1. I learned that the days are long, but the years are short. I spent a fair amount of time wishing days away in 2011. Then I look back and it seems that the years have just flown by. I am trying not to make that same mistake in 2012.
2. I learned at 43 to listen more and speak less. This one lesson has served me better than anything else.
3. I learned that there is no harm in asking. Just when you think there is no way a buyer or seller will move one more penny...they do. So I tell my clients, "What is the harm in asking since all they can say is 'no'?"
4. I learned that you could have the best data in the world and most convincing argument, and at the end of the day the real estate transaction boils down to one thing. What is a seller willing to sell for and what is a buyer willing to pay?
5. I learned that just when you think you have encountered the most difficult buyer or seller, you are wrong. There is one more difficult just around the corner.
6. I learned that every once in a while, you are given a gift. Like a buyer that calls you up, looks at one property, makes an offer and closes with no conflicts or difficulty. Cherish these transactions.
7. I learned that there is no amount of convincing or sense that you can impart to Banks and Investors. Even when the data is all in your favor, Banks/Investors do not have to sell properties at fair market value because they are flush with cash and have lots of options.
8. I learned to take Sundays off (yes, even in the real estate business) so I can have some type of family life. I recommend this to all of my real estate brethren. I can honestly tell you that by taking Sundays off, my business did not decrease one penny. In fact, it got better.
9. I learned to smile more and laugh more in what is a pressure cooker of a business. If you don't, you'll soon find yourself on ulcer medication.
10. I learned that you have to give something to get something.
Happy New Year
Dan Polimino
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
1. I learned that the days are long, but the years are short. I spent a fair amount of time wishing days away in 2011. Then I look back and it seems that the years have just flown by. I am trying not to make that same mistake in 2012.
2. I learned at 43 to listen more and speak less. This one lesson has served me better than anything else.
3. I learned that there is no harm in asking. Just when you think there is no way a buyer or seller will move one more penny...they do. So I tell my clients, "What is the harm in asking since all they can say is 'no'?"
4. I learned that you could have the best data in the world and most convincing argument, and at the end of the day the real estate transaction boils down to one thing. What is a seller willing to sell for and what is a buyer willing to pay?
5. I learned that just when you think you have encountered the most difficult buyer or seller, you are wrong. There is one more difficult just around the corner.
6. I learned that every once in a while, you are given a gift. Like a buyer that calls you up, looks at one property, makes an offer and closes with no conflicts or difficulty. Cherish these transactions.
7. I learned that there is no amount of convincing or sense that you can impart to Banks and Investors. Even when the data is all in your favor, Banks/Investors do not have to sell properties at fair market value because they are flush with cash and have lots of options.
8. I learned to take Sundays off (yes, even in the real estate business) so I can have some type of family life. I recommend this to all of my real estate brethren. I can honestly tell you that by taking Sundays off, my business did not decrease one penny. In fact, it got better.
9. I learned to smile more and laugh more in what is a pressure cooker of a business. If you don't, you'll soon find yourself on ulcer medication.
10. I learned that you have to give something to get something.
Happy New Year
Dan Polimino
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
Thursday, December 22, 2011
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Rocky Mountain National Park, Estes Park, CO" at http://ow.ly/87MZd
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Rocky Mountain National Park, Estes Park, CO" at http://ow.ly/87MZd
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Rocky Mountain National Park, Estes Park, CO" at http://ow.ly/87MZd
Yelp Review for the week - Rocky Mountain National Park, Estes Park, CO
This week we are going to see Yelp reviews of Rocky Mountain National Park, situated at 1000 Hwy 36, Estes Park, CO 80517. This living showcase of the grandeur of the Rocky Mountains, with elevations ranging from 8,000 feet in the wet, grassy valleys to 14,259 feet at the weather-ravaged top of Longs Peak, provides visitors with opportunities for countless breathtaking experiences and adventures.
Few of the top reviews are given below:
Jenna from Astoria, Queens, NY says, "I was totally blown away by Rocky Mountain National Park when I came here during a recent trip to the Denver area. It was quite a drive from the city, but it was so worth it. We started out in Estes Park and checked in with the visitor center, who provided us with maps and directed us to the visitor center for the park itself. It was a short but beautiful drive from Estes Park, and we were greeted by really helpful staff at the Beaver Mountain Visitor Center. Because it was so late in the season, there was limited hiking and trail access, but we were able to drive around the park and check out the sights from some of the pull-off points along the way. The views were incomparable, and I loved walking around near the boulders and waterfalls of the Aluvian Fan. Admission to the park is typically pretty steep, but we came here during a free weekend -- bonus! I can imagine that the hiking here must be absolutely incredible and look forward to returning sometime during the summer or early fall to really get the most out of the experience."
Ted from Denver, CO says, "Beautiful park! Probably third on my list of America's Greatest Idea's, after Yosemite and Yellowstone. Rocky Mountain National Park is just a magical place. I recommend taking old Falls Road up to the pass. Its one way, you can only go up, dirt, (we did see sedans on it) with plenty of places to pull over and check out the stream that the road follows or gaze up at the towering mountains. There are lots of people here but it is a national park, so just be prepared for that. This is of the best places to go if you want to get out in Nature with little to no planning. Just pull into one of the ranger stations and let them know what you would like to see and how strenuous hike you can do and they will give you several options. All of which will be magnificent. If there are a couple of you going make sure to switch who has to drive half way because you really can't appreciate the park AND watch the road."
Few of the top reviews are given below:
Jenna from Astoria, Queens, NY says, "I was totally blown away by Rocky Mountain National Park when I came here during a recent trip to the Denver area. It was quite a drive from the city, but it was so worth it. We started out in Estes Park and checked in with the visitor center, who provided us with maps and directed us to the visitor center for the park itself. It was a short but beautiful drive from Estes Park, and we were greeted by really helpful staff at the Beaver Mountain Visitor Center. Because it was so late in the season, there was limited hiking and trail access, but we were able to drive around the park and check out the sights from some of the pull-off points along the way. The views were incomparable, and I loved walking around near the boulders and waterfalls of the Aluvian Fan. Admission to the park is typically pretty steep, but we came here during a free weekend -- bonus! I can imagine that the hiking here must be absolutely incredible and look forward to returning sometime during the summer or early fall to really get the most out of the experience."
Ted from Denver, CO says, "Beautiful park! Probably third on my list of America's Greatest Idea's, after Yosemite and Yellowstone. Rocky Mountain National Park is just a magical place. I recommend taking old Falls Road up to the pass. Its one way, you can only go up, dirt, (we did see sedans on it) with plenty of places to pull over and check out the stream that the road follows or gaze up at the towering mountains. There are lots of people here but it is a national park, so just be prepared for that. This is of the best places to go if you want to get out in Nature with little to no planning. Just pull into one of the ranger stations and let them know what you would like to see and how strenuous hike you can do and they will give you several options. All of which will be magnificent. If there are a couple of you going make sure to switch who has to drive half way because you really can't appreciate the park AND watch the road."
Tuesday, December 20, 2011
Check out my latest real estate colum...
Check out my latest real estate column titled "A Picture of Courage" at http://ow.ly/85aFs
Check out my latest real estate colum...
Check out my latest real estate column titled "A Picture of Courage" at http://ow.ly/85aFs
Check out my latest real estate colum...
Check out my latest real estate column titled "A Picture of Courage" at http://ow.ly/85aFs
A Picture of Courage. By Dan Polimino.
Christmas is tomorrow and as many of you know from reading my columns over the years, this is the one week of the entire calendar that I do not talk about business. Instead, I like to write about stories that truly matter.
On October 8th of this year, our friend Derek Cox passed away after battling brain cancer for 12 years. He was only 37 years old. Jennifer and I met him shortly after he had his first brain surgery to remove a portion of the tumor. Over the years, we would visit each other and monitor his progress. We would rejoice with him every time he received good news that the tumor had shrunk. We took a vacation together to Hawaii and it was the happiest I had ever seen him. He talked about how much he wanted to meet a great girl, get married, and have kids. Unfortunately, he never got that chance.
What he didn't talk about was the constant pain that he was experiencing. Through it all, I never heard him complain once. I never heard him say, "Why me?" I never saw him mad at God, and I never saw him bitter or angry. In fact, he was quite the opposite. He was always happy, encouraging, and grateful. He always had a smile on his face and his faith soared.
We got word that Derek was in hospice care. He was barely able to speak and he couldn't walk. We went to see him in Fort Collins and I had a chance to talk to him alone. He could understand everything I was saying, he just couldn't respond back very well. I told him that I loved him, and that either way, everything was going to be ok. Either God was going to miraculously heal him, or he was going to be in heaven soon. Either way, it would be ok and he would not be in pain anymore. I told him that if he got to heaven before me, to save me a place and then I broke down and began to cry. In true Derek fashion, he reached over and rubbed my leg, trying to console me. Here he was dying, I was alive and well, and he was trying to console me.
What I'll remember this Christmas is a picture of courage, faith, kindness, and a zest for life. That was our friend Derek Cox. He'll be a model for the man I hope to be. Take time this Christmas and love the people close to you.
Merry Christmas.
Dan Polimino
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
On October 8th of this year, our friend Derek Cox passed away after battling brain cancer for 12 years. He was only 37 years old. Jennifer and I met him shortly after he had his first brain surgery to remove a portion of the tumor. Over the years, we would visit each other and monitor his progress. We would rejoice with him every time he received good news that the tumor had shrunk. We took a vacation together to Hawaii and it was the happiest I had ever seen him. He talked about how much he wanted to meet a great girl, get married, and have kids. Unfortunately, he never got that chance.
What he didn't talk about was the constant pain that he was experiencing. Through it all, I never heard him complain once. I never heard him say, "Why me?" I never saw him mad at God, and I never saw him bitter or angry. In fact, he was quite the opposite. He was always happy, encouraging, and grateful. He always had a smile on his face and his faith soared.
We got word that Derek was in hospice care. He was barely able to speak and he couldn't walk. We went to see him in Fort Collins and I had a chance to talk to him alone. He could understand everything I was saying, he just couldn't respond back very well. I told him that I loved him, and that either way, everything was going to be ok. Either God was going to miraculously heal him, or he was going to be in heaven soon. Either way, it would be ok and he would not be in pain anymore. I told him that if he got to heaven before me, to save me a place and then I broke down and began to cry. In true Derek fashion, he reached over and rubbed my leg, trying to console me. Here he was dying, I was alive and well, and he was trying to console me.
What I'll remember this Christmas is a picture of courage, faith, kindness, and a zest for life. That was our friend Derek Cox. He'll be a model for the man I hope to be. Take time this Christmas and love the people close to you.
Merry Christmas.
Dan Polimino
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
Friday, December 16, 2011
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Ooh! Aah! Jewelry, Denver, CO" at http://ow.ly/81z4E
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Ooh! Aah! Jewelry, Denver, CO" at http://ow.ly/81z4E
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Ooh! Aah! Jewelry, Denver, CO" at http://ow.ly/81z4E
Yelp Review for the week - Ooh! Aah! Jewelry, Denver, CO
This week we are going to see Yelp reviews of Ooh! Aah! Jewelry, situated at 4216 Tennyson St., Denver, CO 80212. Ooh! Aah! Jewelry sells contemporary and traditional jewelry designs, handbags, and other gift items. In addition, the stores offer a "frequent shopper" punch card for shoppers with an insatiable appetite for affordable, stylish jewelry. It is a great place to find affordable gifts. Gift wrapping is always free. For the shopper who wants to give a hint for that special gift, there is a "wish" list service.
Few of the top reviews are given below:
Tracie from Denver, CO says, "What a GREAT asset to Tennyson Street - Ooh! Aah! Jewelry has lots of funky to beautiful jewelry in various price ranges. They also carry fun handbags and accessories. Best of all, they will create a wish list for you in their database so that your significant other can come in buy you something you really want. Great selection and very helpful, friendly service. I'm definitely a fan."
Lisa from Denver, CO says, "Love Ooh Ahh! I've been shopping there for over two years now and have built myself quite the collection of beautiful and unique jewelry :) Lauren is fabulous and I love her style. I usually walk in and browse for a little bit and then always end up getting some variation of what she is wearing made! Now this is where my husband shops for most of my gifts :) I also had bridesmaid necklaces and earrings made here, mother's day gifts, you name it. And their sale is a great time to find some steals! And lastly, check out their bags if you stop in. Selection is small, but inexpensive."
Few of the top reviews are given below:
Tracie from Denver, CO says, "What a GREAT asset to Tennyson Street - Ooh! Aah! Jewelry has lots of funky to beautiful jewelry in various price ranges. They also carry fun handbags and accessories. Best of all, they will create a wish list for you in their database so that your significant other can come in buy you something you really want. Great selection and very helpful, friendly service. I'm definitely a fan."
Lisa from Denver, CO says, "Love Ooh Ahh! I've been shopping there for over two years now and have built myself quite the collection of beautiful and unique jewelry :) Lauren is fabulous and I love her style. I usually walk in and browse for a little bit and then always end up getting some variation of what she is wearing made! Now this is where my husband shops for most of my gifts :) I also had bridesmaid necklaces and earrings made here, mother's day gifts, you name it. And their sale is a great time to find some steals! And lastly, check out their bags if you stop in. Selection is small, but inexpensive."
Thursday, December 15, 2011
Read "Just do the math to see if it a...
Read "Just do the math to see if it a real no cost loan" at http://ow.ly/80lDJ
Read "Just do the math to see if it a...
Read "Just do the math to see if it a real no cost loan" at http://ow.ly/80lDJ
Read "Just do the math to see if it a...
Read "Just do the math to see if it a real no cost loan" at http://ow.ly/80lDJ
Just do the math to see if it a real no cost loan
Unfortunately, some of the terms in the mortgage industry are not applied uniformly. My favorite example concerns a mortgage that supposedly has no closing costs. For a true no cost loan, the math is very simple. Take your payoff, add the amount for escrows (such as property and insurance), and the upfront mortgage insurance premium / funding fee, if it apples. This should equal your new loan amount, with appropriate adjustments if you are bringing cash to the closing or receiving cash back. Sometimes the lender may be able to pay the upfront FHA mortgage insurance premium or funding fee for the borrower. Ask your lender about this. If they do not know about this, find a competent lender.
Once again I am encountering lenders who utilize a different definition of a no cost loan that creates a false impression and confuses the borrower. With their definition, the loan costs are added to the loan, but they define it as a no cost loan because the borrower does not have to bring the closing costs to the closing in cash. I feel this is deceptive as the borrower is incurring a cost that will someday have to be paid back. Deferring a cost does not mean it did not happen, only that you will have to pay it back at a later date.
As always, do the numbers to determine what is best for your unique personal situation. If you need help on your mortgage analysis, let me know.
Chip Allen
Crestline Mortgage Bankers
A Division of Universal Lending Corp
Direct: 303.947.2109
Fax: 303.987.0676
Loanchip@hotmail.com
Colorado Mortgage Broker License # 100019831
NMLS# 378621
Your Lender for Life!
When people you care about need a mortgage,
for purchase or refinance, please do not keep me a secret.
Once again I am encountering lenders who utilize a different definition of a no cost loan that creates a false impression and confuses the borrower. With their definition, the loan costs are added to the loan, but they define it as a no cost loan because the borrower does not have to bring the closing costs to the closing in cash. I feel this is deceptive as the borrower is incurring a cost that will someday have to be paid back. Deferring a cost does not mean it did not happen, only that you will have to pay it back at a later date.
As always, do the numbers to determine what is best for your unique personal situation. If you need help on your mortgage analysis, let me know.
Chip Allen
Crestline Mortgage Bankers
A Division of Universal Lending Corp
Direct: 303.947.2109
Fax: 303.987.0676
Loanchip@hotmail.com
Colorado Mortgage Broker License # 100019831
NMLS# 378621
Your Lender for Life!
When people you care about need a mortgage,
for purchase or refinance, please do not keep me a secret.
FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged http://ping.fm/8cbt2
Tuesday, December 13, 2011
Check out my latest real estate colum...
Check out my latest real estate column titled "Anything Can Be Fixed" at http://ow.ly/7XYpT
Check out my latest real estate colum...
Check out my latest real estate column titled "Anything Can Be Fixed" at http://ow.ly/7XYpT
Check out my latest real estate colum...
Check out my latest real estate column titled "Anything Can Be Fixed" at http://ow.ly/7XYpT
Anything Can Be Fixed. By Dan Polimino.
These days, when I put a buyer under contract with a home, I can almost write up verbatim what the inspection report will say. It seems that there are just a few items that always show up on an inspection report. Here is a partial list of what I see day after day and report after report.
1) Furnace and air conditioning coil needs to be serviced, cleaned and certified. I think every inspector puts this down. Sellers, take note, have your furnace and air conditioning coil cleaned, serviced, and certified before putting the home on the market. It only costs about $300 and it will save you from scaring away the buyer.
2) Roof. It seems that every roof shows some wear and tear. I see inspectors always put the following comments, "Roof is showing some wear and tear. Shingles need replacing and drip edge flashing needs to be added. Recommend that a licensed roof contractor evaluate." They always add the last part as their disclaimer. Inspectors are quick to point out that they are not a professional___________ and you should get an evaluation from a professional__________. This is to cover them from future litigation. Again, note to sellers that it would be a good idea to have your roof looked at for maintenance issues before you put the house on the market.
3) Radon: This is always on top of every buyer's home inspection list. Sellers should know ahead of time if they have a radon mitigation system. If not, you should have the house tested. Buyers from out of state that are not familiar with Colorado's radon problems get easily freaked out about a high radon test. This is easily fixable and should only cost from $800-$1000 for a full radon mitigation system.
4) Small stuff. Check appliances that are not working properly like the back burner of the stove that stopped working three years ago. Outlets that should be GFI protected and are not. Loose wiring, past leaks, doors and windows that don't open and close properly, smoke detectors that are not working or present, carbon monoxide detectors not present, garage door springs that no longer holds up the door, etc., etc.
Finally, I tell all buyers that whatever comes out in the inspection, don't freak out. I have never done an inspection and have the house come out clean as a whistle. The inspectors will always find something and 98% of the time, everything they find can be fixed. Even in rare situations when structural problems are discovered, don't worry! Even structural problems can be fixed and the house can be made to last a long, long time.
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
1) Furnace and air conditioning coil needs to be serviced, cleaned and certified. I think every inspector puts this down. Sellers, take note, have your furnace and air conditioning coil cleaned, serviced, and certified before putting the home on the market. It only costs about $300 and it will save you from scaring away the buyer.
2) Roof. It seems that every roof shows some wear and tear. I see inspectors always put the following comments, "Roof is showing some wear and tear. Shingles need replacing and drip edge flashing needs to be added. Recommend that a licensed roof contractor evaluate." They always add the last part as their disclaimer. Inspectors are quick to point out that they are not a professional___________ and you should get an evaluation from a professional__________. This is to cover them from future litigation. Again, note to sellers that it would be a good idea to have your roof looked at for maintenance issues before you put the house on the market.
3) Radon: This is always on top of every buyer's home inspection list. Sellers should know ahead of time if they have a radon mitigation system. If not, you should have the house tested. Buyers from out of state that are not familiar with Colorado's radon problems get easily freaked out about a high radon test. This is easily fixable and should only cost from $800-$1000 for a full radon mitigation system.
4) Small stuff. Check appliances that are not working properly like the back burner of the stove that stopped working three years ago. Outlets that should be GFI protected and are not. Loose wiring, past leaks, doors and windows that don't open and close properly, smoke detectors that are not working or present, carbon monoxide detectors not present, garage door springs that no longer holds up the door, etc., etc.
Finally, I tell all buyers that whatever comes out in the inspection, don't freak out. I have never done an inspection and have the house come out clean as a whistle. The inspectors will always find something and 98% of the time, everything they find can be fixed. Even in rare situations when structural problems are discovered, don't worry! Even structural problems can be fixed and the house can be made to last a long, long time.
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
Thursday, December 8, 2011
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Skyventure Colorado" at http://ow.ly/7SWFy
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Skyventure Colorado" at http://ow.ly/7SWFy
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Skyventure Colorado" at http://ow.ly/7SWFy
Yelp Review for the week - Skyventure Colorado
This week we are going to see Yelp reviews of Skyventure Colorado, situated at 9230 Park Meadows Dr., Lone Tree, CO 80124, the perfect location along the beautiful front range of the Rocky Mountains. SkyVenture is not a simulator or a ride, it is flying! Completely immerse yourself in the world of body flight. SkyVenture offers a wall-to-wall smooth air column creating a safe and fun environment for your flight.
Few of the top reviews are given below:
Sydney from Lake Elsinore, CA says, "Regardless of whether you're a first time flyer or an experienced skydiver looking to work on your freefall skills, the team at SVCO is top notch. It was great to buy a 30 minute block and be able to split it up into three 10-minute sessions. Great way to work on some skills, debrief, take a breather, then get back into it. Highly recommend working with Kiwi - one of the best tunnel instructors around!"
Correy from Highlands Ranch, CO says, "A most incredible experience! A great gift idea for the person who has everything."
Kiersten from Greeley, CO says, "I had such a blast! Jordan was our instructor and he did a phenomenal job. He was so much fun and incredibly helpful as your guide while you're in the wind tunnel. My sister, boyfriend and I wound up loving it so much that we added on another minute to our fly time. Although it is a little pricey, it's definitely worth it. I can't say I'll ever do a real jump, but I can't wait to go back to this place and pretend!"
Few of the top reviews are given below:
Sydney from Lake Elsinore, CA says, "Regardless of whether you're a first time flyer or an experienced skydiver looking to work on your freefall skills, the team at SVCO is top notch. It was great to buy a 30 minute block and be able to split it up into three 10-minute sessions. Great way to work on some skills, debrief, take a breather, then get back into it. Highly recommend working with Kiwi - one of the best tunnel instructors around!"
Correy from Highlands Ranch, CO says, "A most incredible experience! A great gift idea for the person who has everything."
Kiersten from Greeley, CO says, "I had such a blast! Jordan was our instructor and he did a phenomenal job. He was so much fun and incredibly helpful as your guide while you're in the wind tunnel. My sister, boyfriend and I wound up loving it so much that we added on another minute to our fly time. Although it is a little pricey, it's definitely worth it. I can't say I'll ever do a real jump, but I can't wait to go back to this place and pretend!"
Wednesday, December 7, 2011
Read ?FHA ML 11-39 - Maximum Loan Lim...
Read “FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged” at http://ow.ly/7RyA8
Read ?FHA ML 11-39 - Maximum Loan Lim...
Read “FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged” at http://ow.ly/7RyA8
Read ?FHA ML 11-39 - Maximum Loan Lim...
Read “FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged” at http://ow.ly/7RyA8
FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged http://ping.fm/ue1jL
FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged
The Federal Housing Administration (FHA) has left loan limits unchanged for both forward (purchase and refinance mortgages), as well as Home Equity Conversion Mortgages (HECM). Home Equity Conversion Mortgages are commonly referred to as reverse mortgages and the statutory limit remains unchanged at $ 625,000. These limits will be in effect through 12/31/2012.
To lookup the FHA maximum loan limits for a specific county click on the link below or go directly to the FHA website.
http://ping.fm/5Qvkw
After flip flopping back and forth, VA has announced that there will be no change in funding fees from pre October 1, 2011 levels.
As always, I look forward to your questions and comments.
Best, Chip
Chip Allen
Crestline Mortgage Bankers
A Division of Universal Lending Corp
Direct: 303.947.2109
Fax: 303.987.0676
Loanchip@hotmail.com
Colorado Mortgage Broker License # 100019831
NMLS# 378621
Your Lender for Life!
When people you care about need a mortgage,
for purchase or refinance, please do not keep me a secret.
To lookup the FHA maximum loan limits for a specific county click on the link below or go directly to the FHA website.
http://ping.fm/5Qvkw
After flip flopping back and forth, VA has announced that there will be no change in funding fees from pre October 1, 2011 levels.
As always, I look forward to your questions and comments.
Best, Chip
Chip Allen
Crestline Mortgage Bankers
A Division of Universal Lending Corp
Direct: 303.947.2109
Fax: 303.987.0676
Loanchip@hotmail.com
Colorado Mortgage Broker License # 100019831
NMLS# 378621
Your Lender for Life!
When people you care about need a mortgage,
for purchase or refinance, please do not keep me a secret.
FHA ML 11-39 - Maximum Loan Limits in effect until 12/31/2012/ VA funding fees unchanged http://ping.fm/rkXkF
Tuesday, December 6, 2011
Check out my latest real estate colum...
Check out my latest real estate column titled "Honesty" at http://ow.ly/7QpEi
Check out my latest real estate colum...
Check out my latest real estate column titled "Honesty" at http://ow.ly/7QpEi
Check out my latest real estate colum...
Check out my latest real estate column titled "Honesty" at http://ow.ly/7QpEi
Honesty. By Dan Polimino.
A friend of mine was on a business panel and he was asked the question, "As an employer, what is the number one characteristic you look for when hiring someone?"
He answered, "That's easy... honesty!" Amen to that! I could not agree more. He went on to say that people can learn and be trained in their respective jobs, but honesty is a hard quality to find in people these days. In fact, when you do find an honest individual, you usually get the whole package. That person tends to be good at their job, on time, looks to succeed in their endeavors, treats people well, is a great representative of the company or product, and helps not only the company, but helps themselves.
I would have to say that honesty has to be number one in real estate. We are dealing with transactions that mean a lot of money to a lot of people and honesty must be paramount. I have heard from buyers that won't use a Realtor ever, or ever again, because they had a bad experience with honesty. We've all heard about sellers or buyers that were not honest with one another about a purchase of a home. We've seen in recent years the crackdown on mortgage lenders again because of issues involving honesty. Appraisers have been scrutinized on whether or not they were providing honest evaluations. One of the biggest governing clauses in the real estate contract is Section Nine entitled "Good Faith." It talks about the buyer's and the seller's obligation to act in honesty and good faith during the course of the transaction. Many attorneys have won cases on just the "good faith" clause alone. That's how important it is.
Many times, buyers will work with Agent "A," and then out of the blue, buy a home with Agent "B," leaving Agent "A" that did all the work without a commission. Of course, they wouldn't sign a buyer's agency agreement, and in the end, they just did not want to be honest. Sellers tell brokers all time that they choose some other agent to sell their home. Do they tell the agent that did not get the listing the real reason why they were not chosen? Sometimes, but not often.
I think we would all agree that it's not easy finding the real, honest, genuine people these days. I try to trust my gut instincts, but even on my best day, I have to take a leap of faith and eventually trust someone.
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
He answered, "That's easy... honesty!" Amen to that! I could not agree more. He went on to say that people can learn and be trained in their respective jobs, but honesty is a hard quality to find in people these days. In fact, when you do find an honest individual, you usually get the whole package. That person tends to be good at their job, on time, looks to succeed in their endeavors, treats people well, is a great representative of the company or product, and helps not only the company, but helps themselves.
I would have to say that honesty has to be number one in real estate. We are dealing with transactions that mean a lot of money to a lot of people and honesty must be paramount. I have heard from buyers that won't use a Realtor ever, or ever again, because they had a bad experience with honesty. We've all heard about sellers or buyers that were not honest with one another about a purchase of a home. We've seen in recent years the crackdown on mortgage lenders again because of issues involving honesty. Appraisers have been scrutinized on whether or not they were providing honest evaluations. One of the biggest governing clauses in the real estate contract is Section Nine entitled "Good Faith." It talks about the buyer's and the seller's obligation to act in honesty and good faith during the course of the transaction. Many attorneys have won cases on just the "good faith" clause alone. That's how important it is.
Many times, buyers will work with Agent "A," and then out of the blue, buy a home with Agent "B," leaving Agent "A" that did all the work without a commission. Of course, they wouldn't sign a buyer's agency agreement, and in the end, they just did not want to be honest. Sellers tell brokers all time that they choose some other agent to sell their home. Do they tell the agent that did not get the listing the real reason why they were not chosen? Sometimes, but not often.
I think we would all agree that it's not easy finding the real, honest, genuine people these days. I try to trust my gut instincts, but even on my best day, I have to take a leap of faith and eventually trust someone.
Dan Polimino is a Realtor with Fuller Sotheby's International Realty. He can be reached at DPolimino@fullerproperties.com and www.coloradodreamhouse.com/denverpost
Friday, December 2, 2011
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Fischer Van Lines, Denver, CO" at http://ow.ly/7MyQS
Check out "Yelp Review for the week -...
Check out "Yelp Review for the week - Fischer Van Lines, Denver, CO" at http://ow.ly/7MyQS
Yelp Review for the week - Fischer Van Lines, Denver, CO
This week we are going to see Yelp reviews of Fischer Van Lines, situated at 5231 Monroe St., Denver, CO 80216. Fischer Van Lines is a family owned and operated Denver mover with the experience and resources to manage your residential or commercial relocation. From planning and packing, transport and unpacking, they offer an array of professional moving and storage solutions to meet your needs. Few of the top reviews are given below:
Natasha from Denver, CO says, "Fischer Van Lines was amazing for my roommate and me. The guys they sent were completely awesome! We moved from the third floor of one apartment, where the elevator was on the OTHER side of the building to the second floor of another building, where the guys said they liked our new place better....wonder why? Amelia was great getting us set up with our confirmation and the guys were even early which was awesome. There is one thing I hate about moving and it is the moving part. It's nice to know I can hire such great guys and gals to take care of our stuff so well!!"
Megan from Austin, TX says, "Fischer Van Lines gets a 5 star rating from me. They were prompt, courteous and professional. I received two phone calls prior to arrival the morning of my move day letting me know they were on their way and ETA. No items were damaged in the move. I paid exactly what was quoted in my estimate - no surprises. Although I never plan to move again, I would highly recommend Fischer to friends and family."
Natasha from Denver, CO says, "Fischer Van Lines was amazing for my roommate and me. The guys they sent were completely awesome! We moved from the third floor of one apartment, where the elevator was on the OTHER side of the building to the second floor of another building, where the guys said they liked our new place better....wonder why? Amelia was great getting us set up with our confirmation and the guys were even early which was awesome. There is one thing I hate about moving and it is the moving part. It's nice to know I can hire such great guys and gals to take care of our stuff so well!!"
Megan from Austin, TX says, "Fischer Van Lines gets a 5 star rating from me. They were prompt, courteous and professional. I received two phone calls prior to arrival the morning of my move day letting me know they were on their way and ETA. No items were damaged in the move. I paid exactly what was quoted in my estimate - no surprises. Although I never plan to move again, I would highly recommend Fischer to friends and family."
Thursday, December 1, 2011
Read my latest blog post titled "Give...
Read my latest blog post titled "Give yourself a Christmas present!" at http://ow.ly/7LfVF
Read my latest blog post titled "Give...
Read my latest blog post titled "Give yourself a Christmas present!" at http://ow.ly/7LfVF
Read my latest blog post titled "Give...
Read my latest blog post titled "Give yourself a Christmas present!" at http://ow.ly/7LfVF
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