Denver Realtor Reviews: Lender Stephen Griffin American Pacific Mortgage

Denver Realtor Reviews: Stephen Griffin American Pacific Mortgage

Stephen-griffinI just closed my first deal with Stephen Griffin. I am a real estate agent. We had a mutual client. I was not familiar with Stephen before I met him. I had to first list my client’s home before we even begun the search process. Stephen knew that his role in this process was a long ways off, but he still reached out to me immediately. He made himself a partner in the our mutual client’s success from the start. He reached out multiple times before the client’s home was listed and he even helped me hold the home open. When the home was sold and we were searching for homes, Stephen had lender letters to me in only moments whenever I wanted to make an offer. He called listing agents, and made an amazing impression for our mutual client. And once we were under contract, he kept me updated throughout the process and met all deadlines. We had a happy closing and a happy client, and I was happy to have had such a fantastic partner. I would highly recommend Stephen to any real estate agent or home buyer. And listing agents should be confident with any home buyer using Stephen to get a loan.

I added Stephen Griffin to my list of preferred lenders. I look forward to working with him again in the future.

http://denverhomesales.info/denver-mortgage-lender/


Create a custom search of active homes for sale in the real time Denver MLS IDX herehttp://denverhomesales.info/propertysearch/


Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Denver Realtor Reviews And Denver Real Estate Agent Reviews On The Denver Better Business Bureau (BBB)Denver Realtor Reviews And Denver Real Estate Agent Reviews On GoogleDenver Realtor Reviews And Real Estate Agent Reviews On LinkedInDenver Realtor Reviews And Real Estate Agent Reviews On ZillowDenver Realtor Reviews And Denver Real Estate Agent Reviews On Yelp

See all reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverhomesales.info/testimonials/


  1. Find information about how buying a home in around Denver Colorado works at  http://denverhomesales.info/denver-home-buying-info
  2. Find information about my risk free premium Denver home seller services at http://denverhomesales.info/denver-realtor-premium-denver-home-seller-services/
  3. See my list of recommended service professionals at http://denverhomesales.info/denver-service-providers/
  4. Android & iPhone mobile home search app: http://denvermlsapp.com

Denver Realtor And Denver Real Estate Agent by Monica K.

Find Denver Realtor Reviews and Denver Real Estate Agent Reviews of Christopher Gibson On The Denver Better Business Bureau, Facebook, LinkedIn, Realtor.com, Zillow, & Yelp.

My Rating: 5 Stars(26)

Free Denver MLS home search app for Android and iTunes, Home Scouting

Download the free Denver MLS home search app for Android and iTunes, Home Scouting.

If you search “Home Scouting” in the play store or iTunes store it will be the first app presented. The Home Scouting app is a direct home search tied to the Denver MLS. Input VIP code: 7204496622 . Click on the Home Scouting icon or click here to access your account online.

Free Denver MLS Mobile Home Search On Android & iTunes

 

Free Denver MLS Mobile Home Search On Android & iTunes Free Denver MLS Mobile Home Search On Android & iTunes

Click on the icons above to download the Denver MLS Home Search App to your phone or tablet or simply search “Home Scouting” in the play store or iTunes store and it will be the first app presented. Remember you will need to input VIP code 7204496622 . This app is provided courtesy of Jay Rabideau at Cherry Creek Mortgage.

Why should you use the free Denver MLS home search app for Android and iTunes, Home Scouting?

Here is the description from the publisher on the CNET website:

From Home Buyers Marketing II, Inc.: A SERIOUS REAL ESTATE APP ENGINEERED FOR EVERY STAGE OF YOUR HOME BUYING PROCESS. Whether you are just looking, exploring the real estate market or ready to make an offer, the Home Scouting MLS Mobile app provides you with the most accurate and unfiltered MLS data available. ***** To have a password protected site, where I’m not just another lead is awesome***** Up to date, much more vs Zillow and Trulia***** This is MLS, so you know you are viewing the most up-to-date results on the market 100% of the listings for sale. No more wondering if you are seeing ALL of the MLS properties. This professional-grade MLS app is private and secure, NO advertising or SPAM , and is available to you by invitation from your mortgage or real estate professional. You are moments away from taking complete control of your home buying process!THE HOME SCOUTING MLS MOBILE APP PROVIDES YOU WITH:- 100% of the listings – Period – A Private, Secure and Ad-free experience- Automatic listing updates- Complete property details including large, vibrant pictures- Sold property data – And so much more WITH THE HOME SCOUTING MLS MOBILE APP YOU CAN:- Search and view all MLS listings for sale and recently sold- View details of every property right from the curb- Save and track your favorite properties – Well tell you when the price drops or new photos are added- Share favorite properties with family and friends- Effortlessly schedule showings- View detailed school information- Easily contact your Loan Officer or Real Estate Agent with any questions. AND BECAUSE THE HOME SCOUTING MLS MOBILE APP IS PRIVATE AND BY INVITATION ONLY, YOU CAN SEARCH CONFIDENTLY KNOWING:- No annoying popups- No advertising- Your information is secured; no selling of your email or other personal data – One tap access to the highest quality service you deserve. Harness the power of the pros! Stay on top of your home search wherever you are with Home Scouting MLS Mobile app! The Home Scouting Report is a free home finding service provided directly to home buyers by Home Buyers Marketing II, Inc. (HBM II), a licensed real estate brokerage services company.HBM II is a licensed real estate company in all states where it offers real estate services, including the Home Scouting Report. HBM II works cooperatively with other licensed real estate professionals to assist in your Home Scouting efforts. The Cooperating Real Estate Agent is neither an agent nor a broker for HBM II.The Preferred Loan Officer’s role is to assist in determining a comfortable home price range for HBM II to use when it is searching for properties within your search criteria. The Preferred Loan Officer is neither an employee of HBM II, nor the provider of the Home Scouting Report (HSR). 2013 Home Buyers Marketing II, Inc. Patent Pending.


Create a custom search of active homes for sale in the real time Denver MLS IDX herehttp://denverhomesales.info/propertysearch/


Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Denver Realtor Reviews And Denver Real Estate Agent Reviews On The Denver Better Business Bureau (BBB)Denver Realtor Reviews And Denver Real Estate Agent Reviews On GoogleDenver Realtor Reviews And Real Estate Agent Reviews On LinkedInDenver Realtor Reviews And Real Estate Agent Reviews On ZillowDenver Realtor Reviews And Denver Real Estate Agent Reviews On Yelp

See all reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverhomesales.info/testimonials/


  1. Find information about how buying a home in around Denver Colorado works at  http://denverhomesales.info/denver-home-buying-info
  2. Find information about my risk free premium Denver home seller services at http://denverhomesales.info/denver-realtor-premium-denver-home-seller-services/
  3. See my list of recommended service professionals at http://denverhomesales.info/denver-service-providers/
  4. Android & iPhone mobile home search app: http://denvermlsapp.com

3 Questions to Ask Before Buying a Home Close To Denver

Create a custom search of active homes for sale in the real time Denver MLS herehttp://denverhomesales.info/propertysearch/ .

3 Questions to Ask Before Buying a Home Close To Denver from

http://www.keepingcurrentmatters.com/2014/10/27/3-questions-to-ask-before-buying-a-home-2/

If you are thinking about purchasing a home close to Denver right now, you are surely getting a lot of advice. Though your friends and family have your best interests at heart, they may not be fully aware of your needs and what is currently happening in Denver real estate. Let’s look at whether or not now is actually a good time for you to buy a home close to Denver.

3 Questions to Ask Before Buying a Home Close To Denver

There are three questions you should ask before purchasing in today’s Denver area real estate market:

1. Why am I buying a home close to Denver in the first place?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home close to Denver? For most, the reason has nothing to do with finances. A study by the Joint Center for Housing Studies at Harvard University reveals that the four major reasons people buy a home have nothing to do with money:

  • A good place to raise children and for them to get a good education
  • A place where you and your family feel safe
  • More space for you and your family
  • Control of the space

What non-financial benefits will you and your family derive from owning a home close to Denver? The answer to that question should be the biggest reason you decide to purchase or not.

2. Where are Denver home values headed?

When looking at future housing values, Home Price Expectation Survey provides a fair assessment. Every quarter, Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts and investment & market strategists about where prices are headed over the next five years. They then average the projections of all 100+ experts into a single number.

Here is what the experts projected in the latest survey:

  • Home values will appreciate by 4% in 2015.
  • The cumulative appreciation will be 19.5% by 2018.
  • Even the experts making up the most bearish quartile of the survey still are projecting a cumulative appreciation of over 11.2% by 2018.

3. Where are Denver mortgage interest rates headed?

A buyer must be concerned about more than just prices. The ‘long term cost’ of a home close to Denver can be dramatically impacted by an increase in mortgage rates.

The Mortgage Bankers Association (MBA), the National Association of Realtors, Fannie Mae and Freddie Mac have all projected that mortgage interest rates will increase by approximately one full percentage over the next twelve months.

Bottom Line

Only you and your family can know for certain the right time to purchase a home close to Denver. Answering these questions will help you make that decision.

Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Yelp Logo 150x150 Special Denver home listing discount for the 80237 zip codeGoogle Places Logo1 150x150 Special Denver home listing discount for the 80237 zip code Zillow Logo 150x150 Special Denver home listing discount for the 80237 zip codeLinkedIn Logo 150x150 Special Denver home listing discount for the 80237 zip code

 

 

Also find reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverhomesales.info/testimonials/

  1. Find information about how buying a home in around Denver Colorado works at  http://denverhomesales.info/denver-home-buying-info/
  2. Find information about my risk free premium Denver home seller services at http://denverhomesales.info/denver-realtor-premium-denver-home-seller-services/
  3. See my list of recommended service professionals at http://denverhomesales.info/denver-service-providers/

New build and new construction pros and cons | Colorado real estate

New build and new construction in the metro Denver MLS; new build and new construction homes for sale.

Scroll down to see a list builders and their communities.

 

Buying a new build home is completely different than buying a resale home.  When buying a new build home most people think of large builder building  whole subdivisions of new  homes, but there are 3 types of new construction.

  1. New subdivisions
  2. Custom builds on a lot you chose
  3. Custom builds by a builder who already owns the lot 

The pros and cons of a new build and new construction below relate to new subdivisions by larger builders.

Pros of a new build and new construction: Realtor fee refunds

New build and new construction homes | NewHomeSource.comWhen I help buyers of a new build and new construction I am willing to refund up to half of my commission to the buyer or significantly discount my commission on the sale of their home. Buyers need to make the choice to use a Realtor to help them with a new build and new construction purchase before they step foot into a builder’s sales office. If buyers are registered by a builder without a Realtor, the builder will usually deny the ability of a Realtor to claim a commission to assist a buyer, eliminating the option for me to refund a portion of the commission. You must bring your Realtor with you to every builders’ sales office and I am happy to join you.

Pros of a new build and new construction: Modern, new, & clean

New build and new construction homes | Richmond American Homes ColoradoMost new build home buyers love the feeling of living in a home that has never been lived in before. The home will not stay flawless, but any flaws or dirtiness are created by them, and not by people who lived in the home before them. A new home may also include more modern features. This could mean higher ceilings, better sound systems, energy efficiency, etc.

Cons of a new build and new construction: builder defects

Many contractors and specialists go into the home to complete each one of the finishes. These contractors often damage other work done in the home or do a less than satisfactory work. New build home buyers have to be ready to inspect the finished product closely, and have to be willing to point out all flaws, big or small.

Cons of a new build and new construction: modern and move in ready may come at a price

Most people do not think of linoleum floors, formica counter tops, bad white carpet, ugly light fixtures and plumbing fixtures, a dirt yard, no garage door opener, no fireplace fan, or no window coverings as modern or move in ready. But this may be all that is provided with the base price of the home. Having the builder add granite, higher quality flooring and other modern features may require a significant increase in price, which may have to be mostly cash, before you even move in. And the builder may not provide options for window coverings or landscaping. The model homes you look at will have every upgrade they offer, you will not see or understand what the base price covers until months after you are under contract and locked into the purchase of the new build home.

Pros of a new build and new construction: modern construction techniques and regulations

New build and new construction | D.R. Horton ColoradoNew standards and techniques are continually being developed for better foundations, better electrical and plumbing systems, better energy efficiency, and better drainage. It is likely that a new home is being built much stronger and with systems that will last much longer than homes 10 or 20 years ago. Additionally, county supervision and requirements of builders have likely improved over time.

Cons of a new build and new construction: construction defects my not be known for years

If there are foundation issues, drainage problems, or other non-cosmetic construction defects, you may not know for decades. By that time, it is likely the builder has closed up shop and moved on. And even if a big name builder was building the home, they likely set up a small corporation for the duration of the build, that they subsequently shut down. This makes acquiring compensation from the builder difficult or impossible.

Pros of a new build and new construction: desirable neighborhood designs

New build and new construction homes | Lennar homes ColoradoPeople are often attracted to a new build and new construction for communities that incorporate parks, trails, possibly pools and rec centers, or even golf courses into the neighborhoods. Newer communities can create better traffic flows or even incorporate mixed use commercial and retail centers. See my neighborhood evaluation resource page at http://denverhomesales.info/neighborhood-evaluation/.

Cons of a new build and new construction: where are the trees?

A mature tree canopy can significantly improve the temperature of a neighborhood. A large number of trees improve aesthetics and overall contentment people have with where they live. And there is a direct correlation in the metro Denver area with the level of tree coverage and the price per square foot homes demand. Homes take decades to grow and it is easy for people to overlook how many trees builders are planting in common areas in the yards of homes they are constructing.

Pros of a new build and new construction: Homeowners associations

New build and new construction homes | KB Home ColoradoSome people love home owners associations and some people hate them. But association rules are strongest in new build areas and they can ensure that home values are maintained in the early year of a neighborhood.  Additionally, abundant common areas maintained by the homeowners association will create an early attractiveness.

Cons of a new build and new construction: Homeowners associations

The builder is in charge of the association at the beginning. The fees that the homeowners associations charge in the beginning may not adequately support the infrastructure they are maintaining. I have also heard stories of homeowners associations taking on a large amount of debt of the builders. Factors such as these can require substantial increases in the fees to maintain the association in later years. These fee changes, and the status  of the financial condition of the homeowners associating can directly impact the maintenance of the neighborhood and the values of the homes in the neighborhood.

 Cons of a new build and new construction: builder contracts

In a resale purchase and sale, the contracts are created fairly neutrally  by state organizations and negotiated by a common place by the buyers and sellers. But builders have created their own contracts that heavily leverage all terms in their favor. The amount of earnest money, money given as collateral, is usually  much higher than resale purchases, and usually very difficult to recover. Also, if you have a home to sell, the builder will often require you to sell it long before your new home is built, necessitating short-term temporary housing and 2 moves.

Pros and cons of a new build and new construction: mortgage lending

New build and new construction homes | Standard Pacific Homes ColoradoMost builders offer significant refunds and discounts that actually lower your cash needed at closing if you use their mortgage lender and homeowners insurance. The homeowners insurance can be changed the day after closing if you like, so people do not usually have an objection to this. However, this refund makes evaluating your lending options even more complicated. Make sure you get quotes of what your monthly payment and cash to close will be with the builder’s mortgage lender and with outside lenders before you make your final choice.

You will likely not be able to lock in your interest rate earlier that 60 days before your closing date. This will be months after you originally went under contract to purchase your new build and new construction home. If interest rates have increased in this time, this could mean that your monthly payment will be significantly higher. And in a worse case scenario you may not even qualify for a loan to purchase the home you chose by the time you can lock in an interest rate for your mortgage loan.

Mortgage lending is different for a new build and new construction than for resale homes. Ask outside mortgage lenders how frequently they help people with new construction purchases and how far in advance they need a certificate of occupancy from the builder to verify they will be able to close in time.

New build and new construction builders and the metro Denver Colorado communities they are creating below.

Also check out newhomesource.com for a comprehensive list of new home builders and metro Denver communnities.


Create a custom search of active homes for sale in the real time Denver MLS IDX herehttp://denverhomesales.info/propertysearch/


Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Denver Realtor Reviews And Denver Real Estate Agent Reviews On The Denver Better Business Bureau (BBB)Denver Realtor Reviews And Denver Real Estate Agent Reviews On GoogleDenver Realtor Reviews And Real Estate Agent Reviews On LinkedInDenver Realtor Reviews And Real Estate Agent Reviews On ZillowDenver Realtor Reviews And Denver Real Estate Agent Reviews On Yelp

See all reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverhomesales.info/testimonials/


  1. Find information about how buying a home in around Denver Colorado works at  http://denverhomesales.info/denver-home-buying-info
  2. Find information about my risk free premium Denver home seller services at http://denverhomesales.info/denver-realtor-premium-denver-home-seller-services/
  3. See my list of recommended service professionals at http://denverhomesales.info/denver-service-providers/
  4. Android & iPhone mobile home search app: http://denvermlsapp.com

What you should bring when applying for a Denver mortgage | Denver Realtor

Listen to this full podcast about what you should bring when applying for a Denver mortgage here: http://www.blogtalkradio.com/denvercommunity/2013/10/02/what-do-i-need-to-bring-when-applying-for-a-mortgage

On this podcast by Denver Community Credit Union they welcome Kristi Brouillette, Denver Community Credit Union’s Denver Mortgage Loan Officer, to discuss what you should bring when applying for a Denver mortgage, including:

1. What do most lenders require that you bring hard paper copies of when applying for a Applying for a Denver Mortgage | Denver Realtor Christopher GibsonDenver mortgage?

  1. Verification of income
  2. Bank statements
  3. Copy of insurance and drivers license

2. Can any of the information the Denver mortgage lender requests for a Denver mortgage be provided electronically?Applying for a Denver Mortgage Blog Talk Radio | Denver Community Credit Union

Yes if submitted through a secure e-mail, if not it needs to dropped off or mailed to the credit union.

3. Is there any information the Denver mortgage lender can pull on your behalf so you don’t have to bring it?

They can pull internal bank statements but the applicants have to provide all other information.

You can find Kristi Brouillette’s contact information on my list of Denver mortgage lenders at http://denverhomesales.info/denver-mortgage-lender/ .

Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Yelp Logo 150x150 Denver Electricians | Denver Realtor Christopher GibsonGoogle Places Logo1 150x150 Denver Electricians | Denver Realtor Christopher Gibson Zillow Logo 150x150 Denver Electricians | Denver Realtor Christopher GibsonLinkedIn Logo 150x150 Denver Electricians | Denver Realtor Christopher Gibson

See all reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverhomesales.info/testimonials/

  1. Find information about how buying a home in around Denver Colorado works at  http://denverhomesales.info/denver-home-buying-info/
  2. Find information about my risk free premium Denver home seller services at http://denverhomesales.info/denver-realtor-premium-denver-home-seller-services/
  3. See my list of recommended service professionals at http://denverhomesales.info/denver-home-professionals/

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