Mountain vs. Suburban Living
100 Real Estate and Relocation Tips in 100 Days (Day 81)
Many people moving to Colorado are captivated by the purple mountain majesties and develop this driving desire to live on a mountain top. Well, maybe not a mountain top, but at least somewhere in “them thar’ hills”. The fact is that the mountains are beautiful, and many people want and do live in the near mountain suburbs. There are, however, a few considerations.
First, consider the commute. Living in Evergreen or Conifer and working in the city means you must drive into the sun morning and night (the mountains are in the west), over winding mountain roads, sometimes in the snow. The further up a mountainside you live, the more winding roads you and yours get to drive on. If you OK with a sometimes difficult drive, then read on.
Property is generally more expensive in the mountains than in the suburbs. Part of this is building costs, part is land value, and part is desirability. You will simply get less house fo the money in the mountain areas.
Critters. Of course it can be argued that critters are everywhere, (a small brown bear was spotted in Highlands Ranch in May) but there bunches of critters that call the mountain area home. After all, they were there first; it’s us that keep moving in on them. Evergreen is famous for its own herd of 200-300 elk, which pretty much go where and when they wish, the where meaning the area you like to think of as your back yard. The local deer populations eat anything and everything green, and deer sleeping on your front pouch is not as much fun as you might think. Small pets left outside at night become dinner for coyote, and the occasional mountain lion. OF course, people learn to live with the critters, and you can also.
Water delivery and sewage disposal means you must care for a well and septic systems in most cases. While some areas have water and sewage systems, in most cases, you will drink well water, and waste will be treated in a leeching field/septic system. If you have no experience with well and septic, we suggest you familiarize yourself with those facts of life in the mountains.
As the west continues to face drier weather conditions, and population densities never before experienced, the threat of wildfire becomes a serious issue. Decades of fire prevention have led us to overgrown vegetation, and houses are literally surrounded by tinder dry woods. As a home owner, you must follow the advice of local fire agencies in keeping trees and brush away from your home, making it defensible against wild land fire.
Still want to head for the hills? Great! The foregoing is not offered to scare you off, but more to make you aware that mountain living requires a bit more effort than living in the neatly manicured neighborhoods of suburbia. For most people, it is an acceptable trade-off. Just as long as you understand what you are getting into, living in the near mountain suburbs can be a wonderful lifestyle.
Crowd Sourcing Your Home Purchase
100 Real Estate & Relocation Tips in 100 Days (Day 80)
In Web 2.0 parlance, crowd sourcing is the act of throwing a question out to everyone in your social network, looking for the best, or many best answers to your query. That can be a great thing when you are looking for a recommendation on how to tweak your website, or get the best results from FaceBook. Crowd Sourcing your home purchase can be (and usually is) a recipe for disaster.
This is not to say you should not seek advice when buying a home. Quite the contrary, good, well informed advice can be invaluable when buying a home. There are, however, a few cautions on just how to go about asking for and receiving that advice.
First, make certain you can rely on the professional advice being provided by your Realtor®. If you have made a considered and informed decision on your professional advisor, then listen. If you believe your professional is giving you bad advice, or is not listening and responding to your concerns, then change your professional.
It’s probably best not to seek or accept real estate advice from your mortgage lender. Lenders make loans, few are well versed (nor licensed) in the skills necessary to provide professional assistance involving a home purchase. Family members can be a great source of advice and counsel, providing they have the advantage of good information to provide that counsel.
It is almost certainly a very bad idea to ask advice from all of your friends. You will get as many opinions as you have friends, and none of those opinions will have basis of fact. One friend, maybe two can be good, but only if they have been involved since the beginning. As a parent, I want all of the children to make good life decisions, especially when it comes to buying a house. I believe that most parents feel the same way. That does not mean that I, or any parent can, or should, offer home buying advice from 2000 miles away.
Almost every Realtor® can cite multiple stories of the jittery first time buyer bringing a friend or relative to take one last look at the buyers dream home, only to have that dear friend or 2nd cousin veto the sale based on 5 year old market knowledge. If you really want your 2nd cousin’s advice and involvement, bring them along every time you look at houses. Make your cousin part of a collaboration, not someone with veto power.
Make certain you can rely on your own best advice to yourself. Learn about the process, shop for your professional advisors, study up on the important things before you start looking at homes. Before you write a contract, learn about the neighborhoods that you want to live in, knock on a few doors, ask questions of potential neighbors, school administrators, even local business owners. Take the time to understand market values before being faced with making a pricing decision. Ask your Realtor® to explain the purchase contract before you have to sign a contract under pressure.
Most people want and need a source of reasoned advice. Just choose your advisor wisely.
Lies, Life and Stuff
100 Real Estate & Relocation Tips in 100 Days (Day 79)
by guest blogger, Larry D. McGee Denver IQ
For most people, there are three very large concerns when it comes to buying a house to call home. The first concern is finding, contracting for, and performing 
the necessary due diligence for the selected property. The second concern is qualifying for and obtaining the mortgage loan. And the third is keeping all of the emotions in some sort of manageable order. Most people know about the first two, but little thought is given to the last. You can make the whole process more enjoyable by considering the following:
People lie. Wish that were not true, but the fact is, the truth is sometimes very elusive. Even when the truth is obvious, it can at times scamper away from the simplest of questions. The real estate professional sometimes lies when they “puff” a property. A bit of comparison shopping will usually take care of that issue. Sometimes lies happen when somebody tries to tell you what a house is worth. The best the professional can do is demonstrate what similar houses have been selling for recently. While that is a very reasonable guide to worth, the fact is, worth is decided by the buyer and seller agreeing about a price. Sometimes the professional will tell you about things that may happen, or not tell you. Sometimes they do not know, because there is more to know today than ever before. Take a bit of responsibility for verifying what you are told.
Lenders lie. No mortgage lender today can tell you what your interest rate or lendabilty is without a complete loan application. So be aware most radio and television that lay claim to “lowest rates” or “24 approval” are simply not true. If you receive a “promise”, ask the promiser just how they can make that promise, and get it on paper. There are many people involved in creating a mortgage loan, with the “investor” (usually represented by the underwriter) having the final say on your loan. Ask your lender to explain the process, and about the people involved. Put your lenders toes in the fire and the beginning, and keep them there. The lender needs your business, you, the consumer, actually have the power, so do not give it away.
Appraisers lie. No often, but it does happen, sometimes by design, but usually because of ignorance of fact. As the consumer that is paying for the loan, you have the right to question the appraisal. While it may be to your advantage to receive an appraisal less than the agreed price, nothing says the seller has to sell it to you at that price. With the new Home Value Code of Conduct (HVCC) now part of the appraisal landscape, there will much confusion and angst regarding appraisal for the near future. Be aware of any lender that guarantees an appraisal.
You may lie to yourself. Be honest with yourself about your stability, both financial and life. Just because you can make a $2,000 a month payment, does not mean that a $1,800 payment would be a whole bunch smarter. Escalating loan payments mean you need to have corresponding escalating income. Are you emotionally equipped to own and maintain a house?
Life gets in the way sometimes, and stuff happens. If everyone has done their best, and the closing is just not going to happen, then it’s not going to happen. Buyers and sellers can die, get divorced, have babies, get fired, suffer the loss of loved ones, and be surprised by thousand other things that pop up out of nowhere. If you feel a need to be angry, fight for earnest money, blame someone, or otherwise lose your cool, then get over it quickly. For buyers, it is a house until you have title and can set about making it your home. For seller’s, it stops being your home the minute you place the “for sale” sign in the front yard, and becomes a house, a thing, that you need to sell. That may be a bit brutal, but is the truth.
Buying or selling a home is one of the most emotional things we do as humans. Make every attempt to remain a bit detached until the process is over. Doing so will save you sleep, and serve to make you much more aware of the process, and allow you to have some influence on the outcome.
Are You Ready to Buy A Home?
Are You Ready to Buy A Home?
100 Real Estate & Relocation Tips in 100 Days (Day 78)
In the easy money days of the mid 2000’s, many people bought a home even though they were not really capable of responding to the
challenges of home ownership. Although making the monthly payment is a very important part of owning a home, there are other considerations.
The first consideration is why? Do you really need to own your residence, or is renting a viable option at the moment? If you are single or newly married, and uncertain as to where you may be growing roots, buying a property may not be such a good idea. If you want to buy a home because of the investment potential, think again. While homes should appreciate in value, using your home as a giant ATM machine to spend your equity on life opportunities is seldom a good idea. Your home is just that, a home, a refuge from the world. You should think about paying it off, if for no other reason to have value for future retirement. While there is a good argument to buying a home for the tax advantages, you should never buy a personal residence unless you can plan to remain a resident owner for at least 2 years, and 3 is better.
You must consider maintenance. Homes (even small condos) are complicated and expensive things that are not easy to separate from. While builder warranties may provide protection in the event you purchase a brand new home, there are still expenses associated with ownership. The fact is, things break, and usually at the worst possible time. It is wise to have heating systems, roofs, and plumbing checked at least every two years. Regular maintenance costs real money, but is considerably cheaper than deferring items that will cost 4 or 5 times as much later.
Before you buy a home, you should consider if your employment is stable, and not just for the next 3 months. Is your marriage or relationship stable? Buying a home as a band aid to improve a struggling relationship usually means you will have one more problem to deal with when the relationship ends.
Are you ready to become involved in the community? If you are buying property in a legal owners association, you will be subject to the rules of that association. Those rules, and costs, can change based on the majority rule of the other home owners. While you may not wish to be involved, you must at least be aware, because changes may affect your property value. Understanding property tax issues and the effect of tax base services on your property value is poorly understood by most home owners. It takes little time to be attentive to the things that affect your property value, and your ability to sell when the time comes.
Finally, there is the question of money. If you are thinking of buying a home or condo, the very first thing to do is secure the services of a competent Realtor®. Even if you are not ready to buy a home now, the valuable guidance you can receive from an expert will save you time and money. Solicit recommendations in your search, compare information on the internet, and speak top more than one Realtor® before making a commitment. Then, if necessary, find a competent mortgage lending adviser, one who will explain your options and provide advice that benefits you, not the lender.
After you consider all of the things above, then begin the process of selecting a property that you can call home.
About 100 Real Estate and Relocation Tips In 100 Days
This series of 100 tips in 100 days is a crash course in all the questions I’ve ever been asked about Denver, Colorado and purchasing a home here. If a move is in your future, you will find this series helpful, be sure to subscribe to the RSS feed or add the RSS to your Outlook, so as to not miss a post!
Relocation far or near comes with questions.
As relocation specialists we work with home buyers to answer questions and solve problems. If you are uncertain of where to live or what your next move should be, we can help. We cover the entire scope of your transfer to and from Denver, initial consultation, area tour, financing, house hunting, negotiation, closing and move-in, we are there for you.
Our mascot, Dew Bugus is a cute little guy who really likes it when you “bug us”! You now have permission to call, email, or fill out this Denver Relocation form with your questions on Denver neighborhoods and all the other things that are worrisome right now! We can put your concerns at rest.
We look forward to your call.
Transit Oriented Developments
TOD’s and TOZ
100 Real Estate & Relocation Tips in 100 Days (Day 77)
by guest blogger, Larry D. McGee
Getting people from here to there has been one of the most important elements of humanity. Early humans learned to take the most advantageous routes to 
preferred hunting areas; permanent housing was located at or near trade routes, rivers, and natural ports. Early travel paths in the Americas followed grazing routes laid out by migrating animals, then later by native peoples. Most early road systems made use of former foot paths, following natural contours to make travel possible for horse drawn wagons. The developments of rail lines were engineered to minimize grade elevations, as trains cannot traverse steep grades. Cities have historically been built in close proximity to large bodies of water, to facilitate movement of people and goods.
As the interior of the United States began to develop, cities such as Cincinnati and St. Louis developed along large navigable rivers. It wasn’t until the mid 19th century that railroads began to change the need for cities to locate along the water. Atlanta is an example of a city that developed because of an intersection of rail lines. The development of the west simply would not have occurred without the railroads.
Denver is another example of a city that would not exist without rail transportation. As the city grew in the later 1800’s, much of the growth was made possible by an extensive network of railroad lines connecting Denver to the rest of the country, and trolley car lines (light rail) connecting developing neighborhoods with downtown Denver. The advent of the automobile, with the convenience and freedom that came with it, rendered the trolley lines obsolete by the late 1940’s, and the existing tracks were pulled or paved over.
Fast forward to today, and we find the Regional Transportation District (RTD) aggressively engaged in building rail transit to reach the far corners of Metropolitan Denver. As these modern trolley lines continued to snake their way to the suburbs, development along these transportation corridors began to intensify. The concepts of Transit Oriented Development (TOD), supported and encouraged by Transit Oriented Zoning (TOZ), took form in the minds of city planners everywhere, including Denver. For a complete report on the current status of TOD, go to: Status Report
Really nothing more than deliberate planning of what has occurred naturally throughout human existence, the labels of TOD and TOZ provide modern definition to placing people and business space next to close, walkable, proximity to rail transportation. Over time, development near to rail stations in the Metro Denver area will create more efficient and convenient living for those people that accept and use mass transportation.
Light Rail Transportation System
Denver’s Light Rail Transportation System
100 Real Estate & Relocation Tips in 100 Days (Day76)
It seems hard to believe that Denver’s first Light Rail line began service fifteen years ago, in 1994. That first effort, dubbed the Central Corridor Line, wound 5 miles from the Five Points terminus at 34th and Downing Streets, through downtown Denver, then south to its southern terminus at I-25 and Broadway, a location then important only for its 1000 automobile Park-n-Ride. The line was built for under 120 million dollars, and after the normal political battles that accompany anything that looks like change. Denver was a politically tumultuous place that year, with the new airport opening delayed for the 6th time to February 1995. In spite of the political and construction difficulties (tearing up downtown Denver to lay down tracks did not sit well) the line opened with fanfare and ridership success.
With the early success of the Central Corridor Line, the Regional Transportation District (RTD) moved forward to gain support for the first extension to the line. In 2000, the Southwest Line opened, extending service from I-25 and Broadway into Englewood and Littleton. The line proved so successful that the Park-n-Ride located at the southern terminus at Santa Fe and Mineral became instantly overuse, with passengers parking their automobiles in adjacent fields. The widely publicized success of the Southwest Line led immediately to the construction of the Southeast Line, incorporated into the complete reconstruction of Interstate 25 running through South Denver and the southern suburbs of Greenwood Village, Centennial, and Lone Tree. The Southeast Line opened in November, 2006, and has been very successful at moving people along the I-25 corridor into downtown Denver.
While the construction on the Southeast Line was underway, RTC managed to convince the voters in Metropolitan Denver to support a sales tax to expand the light rail system, and add a few heavy commuter rail lines, to bring rail transportation to the rest of the Metro area, including service to Denver International Airport. Considering the local citizenry’s love affair with the automobile, this was no easy victory for RTD. This project, known as FasTracks (http://www.rtd-fastracks.com/main_1) is moving forward, despite costs overruns upwards of 2 billion dollars. Although expansion of the rail system continues to have public and political support, things have not gone as well as planned.
The West Line, with service to the Denver Federal Center and the Jefferson County Government Center, began construction in May 9, 2007. Escalating construction costs have forced changes to the line, including constructing the line as a single track from the Federal Center to Golden. Recent declines in construction costs have been matched by declines in tax revenues, so the line is being built in the face of ongoing challenges.
Other lines, including the Gold Line to Arvada, and the I-225 Line located in Aurora, are in the EIS stage, with operation of both lines to begin in the middle of the next decade. Other segments of the system will be so called “heavy” or commuter rail. RTD is creating public/private partnerships to complete these commuter rail lines in order to better use the available funding. These heady rail lines will bring rail service to Denver International Airport along the East Line: to Boulder and Longmont along the Northwest Corridor, and to Commerce City and Thornton along the North Corridor. The entire system is scheduled for completion by 2017.
An important aspect of creating rail transportation is transit oriented development of TOD. In a future we will discuss the effects of TOD and the zoning created for such development (TOZ).
Getting to Know Denver
Getting to Know Denver
100 Real Estate & Relocation Tips in 100 Days (Day 75)
Getting to know a new city is always difficult for new residents. The familiar byways are left behind, new ones are undiscovered; you become frustrated because you know shopping is close, you just can’t find it. Not knowing the old familiar short cut to avoid the freeway at rush hour, or the fast way to the park or school; streets that start and stop, and start again, all of these things lead to a sense of angst as you work to discover the best ways to navigate your new city.
Future Denver residents can take heart. Denver is very easy to discover and finding your way around easy. The first thing to know is, the mountains are in the west. Always! Denver is not in the mountains, but rather lays out on the plains east of the Rocky Mountains. There are very few days in any given year that you will find the mountains obscured by weather, so orientation is pretty easy. Stand facing the mountains and your right side is pointing north, left is south, and east is behind you. Pretty easy so far, right?
Downtown Denver, where all the really tall buildings can be seen, is pretty much in the geographic center of the Metropolitan Denver area. Also, Downtown Denver really is a mile high. This is important to know, in that travel in every direction away from downtown takes the traveler up in elevation. Downtown Denver is at the bottom of a bowl (which is why winter pollution can be visible).
Denver’s streets are laid out on a grid, actually 2 grids. Early Denver’s street patterns were laid out in relationship to the Cherry Creek, which flows northwest. So the Downtown Denver grid is turned 45 degrees away from true north. Beginning in 1864, Denver’s streets were laid out north-south, east-west. This clash of grids is most recognizable in the Five Points Neighborhood, where 3 streets coming together create a five-point intersection.
So, all of Denver streets area laid out on a grid, what’s the big deal? Getting around becomes easy. Consider that Broadway, running north and south just east of Downtown, is numerical “0″ for address purposes. Streets run north-south, avenues run east-west. The first street east of Broadway, Lincoln, is the 100 block, the second street, Sherman, is the 200 block, Grant is the 300 block, etc. all the way east. The airport, Denver International (DIA), is about 270 blocks east of Broadway. Heading west from Broadway, the first street is Acoma, at the 100 block. The Denver Mint is located at Elati Street, the 500 block west of Broadway. Near the mountains, the block numbers reach as high is 22000.
In Metro Denver, byways running east and west are known as Avenues. The Center line for Avenues if Ellsworth Avenue, with the number of “0″. If you stand in the center of the intersection of Broadway and Ellsworth, you would be at the numerical center of Metropolitan Denver, or “zero”. Avenues north of Ellsworth are numbered, 1st avenue all the way to about 170th avenue at the extreme north end of the Metro area. Avenues south of Ellsworth are named, such as Mississippi, Hampden, or Princeton. The numerical indicators still apply, with Mississippi being 100 south and Hampden being 3500 south, as examples, and avenues extend as far south as 12000.
Most of the Denver suburbs follow the grid and street pattern laid out by Denver. Some parts of Littleton, Broomfield and Golden have their own street names, but for the most part, the grid holds true all over the Metro area.
Most of the major league sports facilities are located in or around the periphery of downtown. The performing arts center (DCPA) is located downtown, as is the convention center. Nightlife is best found in LODO, or Lower Downtown. Shopping malls, really big ones are found in very quadrant of the area, so a Denver area resident does not have to drive more than 15 minutes to a shopping complex. Food stores and convenience shopping can be found with 2-3 miles of every house in the area. Hospitals, schools, and transportation are seldom far away.
Denver Zoning Survey Poll
Denver Zoning Survey Poll
100 Real Estate Tips in 100 Days (Day 74)
by Larry D. McGee, guest blogger
In March of 2009, The Denver Board of Realtors commissioned a survey of Denver resident homeowners as a first step in trying to understand
the desires of Denver residents regarding zoning and redevelopment issues. The results of that survey, conducted by the Kenny Group, were presented to the Government Affairs Committee of the Denver Realtors on May 7, 2009.
The survey was made of 451 Denver resident homeowners, in a week long time frame in mid-March, and was carefully constructed to sample the 4 quadrants of the city, and every council district. The data is very representative of the population. The results are considered to be accurate to within a 4.6% +/- degree of accuracy. It should be understood that this is a snapshot in time, and impending changes in the zoning
code may offer citizens reasons to offer very different results in a as little as a few months.
While much of the survey data is still in a “raw” format, with final results coming along in late May, there are few things that can be presented to the readers at this time:
Denver residents are very concerned about the “character” of their neighborhoods. Character can be interpreted to mean the physicality of a given neighborhood, as opposed the cultural attributes of a neighborhood.
64%of Denver resident think that Denver is “going in the right direction” when it comes to such issues as zoning, private property rights, and property value support. This is consistent with most other surveys conducted at a local level in many cities.
Respondents are somewhat conflicted about just what character means, and just what character attributes are meaningful, but a simple explanation seems to involve a certain amount of “nimbyism”, and a resistance to change. At the same time, residents seem to think that redevelopment is generally good for improving property neighborhoods, as long as the redevelopment does not affect the respondent personally.
Denver residents consider that satisfaction with their neighborhood is very high as a quality of life factor, with 2/3s of those polled indicated a positive level of satisfaction with their neighborhood.
Later in May, more refined and specific results of the survey will be posted on this blog. For now, the reader is urged to contemplate the prediction that the City and County of Denver will add 75,000 new residents in the next 25 years. For a city that is essentially landlocked, with very little open ground to develop, those 75,000 people will be housed in residences that will be created as a result of redevelopment. The challenge for Denver’s leaders and citizens will be to accommodate redevelopment housing without affecting the “character” attributes that are so important to Denver residents.
Importance of a Sign in the Yard
Selling Your Denver Home
100 Real Estate Tips in 100 Days (Day 73)
When it comes time to sell your home many comfort zones must be crossed. Yes, strangers need to come visit when you are not home. You will be asked to leave at the most inconvenient times. Frequently you will be invaded with little or very short notice.
Selling one’s home is not an easy task, unless you are ready to “let go.” As a homeowner letting go means more than just letting go of your house, you must also let go of the normal controls and swim against that tide of annoyances if you really want to get to the next stage in your life.
One of the controls many people wish they can keep is not having a sign in the yard. On some levels I can understand this, it seems a little sign is hardly a strong marketing factor, but a quick look at the stats redeems a signs value.
Homes sell as a result of the buyer seeing the sign are significant. According to the National Association of Realtors (the folks who make it their business to track statistics) 64% of buyers found the home they purchased, due to the real estate sign!
It is hard to ignore an high percentage like that! So the next time you want to sell your home, but really hate the thought of having a sign in the yard advertising your property, think of 64% that’s more than half of the buyers may stumble across that old yard sign.
Grin and bear it!
Story of the Photo: On a trip to Phoenix I spotted this yard full of signs. I insisted my hubby go around the block so I could shoot it. Fortunately it’s a collector who loves political signs and not real estate for sale signs! I’m just glad he’s not my neighbor!
The Deadly Sins of Selling Your Home
100 Real Estate Tips in 100 Days (Day 72)
Just back from the trenches after a few days of trying to find the perfect house for my buyers, I’ve got to speak my mind! We spend so much time trying to gain 
access to homes that it made me wonder if the sellers who are trying to sell these homes had any idea of how difficult it was on our end!
Let me state, my clients are motivated, qualified and soon to be homeless. This was not a fire drill for them, they came prepared to buy with a checkbook in hand.
Mr. and Mrs. Seller if you are anxious to sell your home, please take notice:
- Ask to review the MLS Listing sheet as soon as it is available. Check your agent’s work. That means don’t just look for mistakes but look for what is missing. We love to know lot sizes and whether or not you have a basement, fireplace or other desirable goodies. Your agent most likely will appreciate your added suggestions, I know my buyers will also.
- Brochures in the box are very helpful, particularly when we find a neighborhood we love and we want to know if we can afford your home. Yes, I can call or use my iPhone to access MetroList, but jumping out of the car is not only quicker it gives us some exercise!
- Please don’t play “Let’s Make a Deal” with the showing time. I so wish I could honor your privacy and show up within a small window of time, but I have little control over clients who go either too slow or too fast and also decide to look at several unscheduled homes along the way. I promise to do the best I can. Remember the wise saying that goes like this, “Make it easy to business with me and I will do business with you.”
- Don’t lock the storm door when the lock box in on the interior door. Houdini I’m not.
- Shovel your walk. Park your pooch. Hide the kitty. We love them, but we want to be safe.
- Some real estate showing services are awesome and others well we wondered if they exist. Be a secret shopper and try to set a showing on your home. If you have a problem, you can just imagine we are too. With the amount of homes on the market it is easy to skip over yours if the service isn’t up to par.
Now that I’ve gotten that off my chest there are quite a few things we appreciated…
- Bottled water is always a hit. Often times we hadn’t had a drop to drink in hours.
- We love the aroma of fresh baked cake/cookies. Sometimes dishes were even left out for us. Not required of course but duly noted. Thank you!
- Full brochure boxes and all the disclosures are very important and helpful. Everyone likes to read about what they are buying.
- Clean homes.
- Parked dogs, kitties and shoe covers.
- We enjoyed viewing the home’s photo albums from the variety of seasons.
- Utility bills are oh so critical when crunching the numbers.
Selling your home is not an easy thing to do, but when you consider the customer needs you may end up selling it quicker and ending the pain sooner. Mr. & Mrs. Seller I wish you well!
This site brought to you by Kristal Kraft, a licensed Colorado Real Estate Broker
The