DYK: VA helps Servicemembers, Veterans, and eligible surviving spouses to become homeowners?
VA Home Loans are offered through private lenders & are backed by the VA, who guarantees a portion of the loan, allowing the lender to provide veterans and servicemembers with more favorable terms than can be had through conventional loans, FHA, etc.
Main Perks of the VA Home Loan Benefit:
No downpayment required (*note -- Lenders may require downpayments for some borrowers using the VA home loan guaranty, but VA does not require a downpayment)
Competitively low interest rates from private banks, mortgage lenders or credit unions
Fewer closing costs
No need for often costly Private Mortgage Insurance (PMI) or Mortgage Insurance Premiums (MIP)
PMI is a type of. insurance that protects the lender if the borrower defaults. It's typically required on conventional loans if the downpayment is less than 20% of the total mortgage amount.
MIP is what the Federal Housing Administration (FHA) requires borrowers to pay to self insure an FHA loan against future loss.
Not having to pay PMI COULD SAVE A BORROWER ON THEIR MONTHLY MORTGAGE PAYMENT! : )
The VA home loan is a lifetime benefit: you can use the guarantee for multiple purchases throughout your lifetime.
No loan limit with full entitlement: If you can afford the loan, VA will back loans in all areas of the country, regardless of home price.
No early payoff penalty fee
For more information, check out the VA Buyers Guide https://www.benefits.va.gov/HOMELOANS/documents/docs/VA_Buyers_Guide.pdf, or to access to VA loan staff who can answer questions call 1-877-827-3702. I'd be honored to help you find your next home or to help you sell. I'd be happy to pair your with recommendations for top notch lenders who understand VA loans in and out. You can always reach me at (303)946-6007, via DM. I hope you have a special day and thank you again for your service!
Making curb appeal updates like adding fresh concrete to your front steps & driveway will not only turn your neighbors heads; they can also make you the superhero to buyers looking to buy an updated, turn-key home. Home maintenance interior + exterior is a constant homeowner need, no matter whether you just bought or if you've lived in your home for years. -BUT- Who can I trust? Who do I call for ______ ? Below is my recommended list for homeowner needs, repairs, updates, etc.
On this list are businesses I've used & trust -OR- fellow HomeSmart agents have recommended to me. Quotes are usually free, so I like to recommend getting multiple quotes for most jobs. Side note -- DYK that according to Realtor Magazine homes with high curb appeal tend to sell for an average of 7% more than similar houses with an uninviting exterior? Remember "The More You Know" PSA campaign? Yeah? Now I have the jingle stuck in my head.
Did I miss a category? Need help with something else? Do you have a must call service based business you'd like to recommend to my list? Call me 303.946.6007.
Appliance Repair:
Appliance Concierge 720-485-2011
Complete Appliance (303)904-2222 "Chris with complete appliance is the absolute best and he’s very reasonable priced." -Per HomeSmart agent
Bathtub Reglaze
Hughes Topcoat Solutions (303)587-3002 - Eric "Eric (owner) did an amazing job on an old cast iron tub. It looks like new." -Per HomeSmart agent Nina Kuhl
Carpet
Allen Johnson - (720)480-6627 Referred by agent L. Westbrook
Carpet Depot
Chimney Cleaning
Chimney West - 303.232.5687
Chimney Sweeps of America - 303.973.7376
A Brighter Glow (gas only)303.655.9595
Concrete
West Valley Concrete - Luis (303) 994-2166281 South Monroe Court
Benchmark Restoration - Martin Meskill - (631)764-9647
"Martin Meskill with Benchmark Restoration is my go to for these types of jobs. I flip houses full time and he is my right hand guy. " -Per HomeSmart agent R. Shattenkirk
Electrician
Nino Accro 720-592-8281
Troy Elliott 720-352-3373. "He does work for a number of HomeSmart Agents…Great service."
Whitmore Pest and Wildlife Control - (303)683-9283 Littleton, CO
"I used Whitmore Pest and Wildlife Control out of Littleton for mice at one of my rentals. The national companies seemed to be pushing the ongoing contracts and Whitmore wasn't".
Plumbing
Chris at 720-474-9870 - Per HomeSmart agent P. Jackson, "Amazing prices and comes out same day! I can't remember his Company name, just know his name. He has done my fix n flip, and helped several of my clients. Very affordable"
Danny 720.243.1107
PlumbingMD (720) 939-4919
North Denver - Steadfast Plumbing (303)525-3259
"A husband and wife company. Very honest and reliable." -Per HomeSmart agent D. Jennings
Professional Organizers
Shape Space Professional Organizers (720) 295-6478
SOS Smart Organizing Solutions https://sossmartorganizingsolutions.com
Go Direct Services 303-288-0039 godirectservices.com "Had 4 quotes and they were the most reasonably priced. They bit Apex by $3000." -Per HomeSmart agent, C. Gay
November 2021 Market Trends Update: I think right now, the charts do the best talking. If you look closely, it appears we may have hit our peak. Prices seem to be leveling.?. Due to continued extremely low inventory (14.98% less active inventory vs. last mo.) and continued demand, I don't see prices dropping or a bubble bursting. I do expect that home appreciation won't continue at the rapid pace we've recently experienced. Days that properties sit on the market is an indicator of the pace of the market. This month, we saw 14 days average on the MLS, up 7.69% from last month, meaning houses are taking a little bit longer to get a contract. This is a seasonal benefit for fall buyers as they have a bit more thinking time to consider most properties. Frustrated by the market earlier in the year? Maybe now is the time to hop back in and find your next home, before the end of the year. Or if you're a seller, you'll benefit from a lack of other homes to compete with, since so few are listed. That's all class. Call Megan Van Eldik, Realtor with questions! (303)946-6007
All data from Denver Metro Association of REALTORS November 2021 report
November 2021 Market Trends Update: I think right now, the charts do the best talking. If you look closely, it appears we may have hit our peak. Prices seem to be leveling.?. Due to continued extremely low inventory (14.98% less active inventory vs. last mo.) and continued demand, I don't see prices dropping or a bubble bursting. I do expect that home appreciation won't continue at the rapid pace we've recently experienced. Days that properties sit on the market is an indicator of the pace of the market. This month, we saw 14 days average on the MLS, up 7.69% from last month, meaning houses are taking a little bit longer to get a contract. This is a seasonal benefit for fall buyers as they have a bit more thinking time to consider most properties. Frustrated by the market earlier in the year? Maybe now is the time to hop back in and find your next home, before the end of the year. Or if you're a seller, you'll benefit from a lack of other homes to compete with, since so few are listed. That's all class. Call Megan Van Eldik, Realtor with questions! (303)946-6007