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First Time Homebuyers: Westminster, Thornton and Broomfield Colorado home buying, real estate listings, and homes for sale in Adams County, CO

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Westminster, Thornton and Broomfield real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

	About You
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About Appraisals >Three Caballeros

When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.

Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.

This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.

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Q	What unique type of home is making news as an affordable, environmentally-friendly housing alternative?
A	Straw bale homes may well become the non-toxic, affordable home of choice in the future.
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Harriet Jones, REALTORŽ, real estate agent and broker for Westminster, Thornton and Broomfield Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Harriet Jones
Metro Brokers ReAction Realty
12000 ZUNI
WESTMINSTER, CO. 80234
DIRECT: 303-301-7116
CELL: 303-919-5106
OFFICE: 303-252-7700
FAX: 303-252-4664
Toll Free: 1-877-791-1215
Email: HarrietJones@NUMBER1EXPERT.com
Harriet Jones, born in Oakley, Kansas, came to call the North Metro Denver area her home over 30 years ago. She enjoys the many splendors of Colorado and the Rocky Mountains. From hiking, fishing, and snowmobiling, to retreating to her mountain property with family, Harriet loves taking advantage of each refreshing opportunity the Colorado life affords. Her adventuresome spirit has also lead her to some choice tropical destinations, including Mexico, the Caribbean, and Hawaii. As one of the top-producing agents in her company, Harriets adventuresome spirit is one of the driving forces behind her successful real estate career. A seasoned businesswoman, her career began in sales, and also includes extensive experience in both the Oil & Gas and Aerospace industries, as well as special investigative work for the government agency, RTC. Harriets tireless energy, drive, and determination allow her to bring home successful results for her loyal clientele. Wherever her career has taken her, Harriets primary goal has always been client satisfaction. Whether helping people receive top value for their property, or finding their ideal home, she views every client as an opportunity to make a positive difference in the buying or selling experience.

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NUMBER1EXPERT™ in real estate for Westminster, Thornton and Broomfield, Colorado

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