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By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Veteran’s Home Loans for Chromo ColoradoIf you are reading this, you or a family member have likely served in our military.  First off, we would like to say a sincere “Thank You” for your service!  We recognize that not only do our Veterans sacrifice by serving, but their families do as well-, and we owe you all a debt of gratitude!One of the best benefits Veterans and their families receive due to their service to our great country is the VA home loan benefits.  We are going to outline just a few of these significant benefits in this article for you. Here are some of the major benefits you may receive by using your VA home loan benefits:*100% financing available- one of the very few loans available with no down payment!*Lower rates available than most loan programs- which saves you mon...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 2
Veteran’s Home Loans for Piedra ColoradoIf you are reading this, you or a family member have likely served in our military.  First off, we would like to say a sincere “Thank You” for your service!  We recognize that not only do our Veterans sacrifice by serving, but their families do as well-, and we owe you all a debt of gratitude!One of the best benefits Veterans and their families receive due to their service to our great country is the VA home loan benefits.  We are going to outline just a few of these significant benefits in this article for you. Here are some of the major benefits you may receive by using your VA home loan benefits:*100% financing available- one of the very few loans available with no down payment!*Lower rates available than most loan programs- which saves you mon...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Special Government Home Renovation Loan Program using Arboles Colorado FHA 203k Rehab Loans.Many people are not aware of a special government loan program that is part of the Federal Housing Administration or FHA (a department within HUD). A buyer or existing home owner can do meaningful amounts of remodeling or updates to their existing home without having a higher cost second lien thanks to this special FHA loan program.However, this loan program doesn't allow for "luxury items" in your home such as a swimming pool, hot tub, or other accessories. Although, you can repaint, replace flooring and appliances, add a room to an existing structure (which can add to value tremendously as you increase the square feet of your home) as well as remodel cabinetry in kitchens and bathrooms.This loa...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Being a Pagosa Lakes COL First Time Homebuyer makes you have to consider your options before you buy. The first thing you will need to consider is what your long-term goals are with being a home owner  and how your goals fit in with that plan. One goal could be to stop paying rent that just increases after every lease you renew.Buying your own home first is one of the happiest times of your life! However, a lot of paperwork and time goes into it and finding a lender with great reviews will ease much of the stress. But, the satisfaction you get from your first home closing is something you will never forget! The benefits of being a Pagosa Lakes COL First Time Homebuyer greatly outweighs renting for the following reasons:          Greater privacy.          Homes typically increase in valu...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Being a Piedre Park CO First Time Homebuyer makes you have to consider your options before you buy. The first thing you will need to consider is what your long-term goals are with being a home owner  and how your goals fit in with that plan. One goal could be to stop paying rent that just increases after every lease you renew.Buying your own home first is one of the happiest times of your life! However, a lot of paperwork and time goes into it and finding a lender with great reviews will ease much of the stress. But, the satisfaction you get from your first home closing is something you will never forget! The benefits of being a Piedre Park CO First Time Homebuyer greatly outweighs renting for the following reasons:          Greater privacy.          Homes typically increase in value th...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Veterans now have access to a new VA renovation loan to refurbish or remodel their homes.  This loan program is available for new home purchases as well as for remodeling homes currently owned by the veteran.  It is estimated that over 50% of homes nationally are 40 years or older, and in the current housing market many homes are in need of updating, addressing deferred maintenance, or improving the energy efficiency of homes to lower utility costs.VA loan benefits include the following unique advantages:  a.  up to 100% financing, b.  no mortgage insurance, c.  up to $ 35,000 in renovation funds escrowed, d.  all renovations must be completed within 60 days of closing, e.  you can close on a purchase or refinance in the “as is” condition, f. you can borrow against the future value of t...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
The benefits of a preapproval (not prequalification) for Pagosa Springs CO Home Loans. Many consumers are not informed on the proper way for buying a home. No question, this is a big decision, and one that can be either immensely stressful- or immensely enjoyable- depending on how you go about the home buying process of Pagosa Springs CO Home Loans and the surrounding areas. The key is to take the proper steps to educate yourself on your buying power, initial investment, and taking some time to think about your lifestyle choices. This article will cover all of these.   Education   The steps necessary to purchasing a home in Pagosa Springs, Colorado starts with getting pre-approved for your home loan. Notice we did not say get prequalified- in today’s world a prequalification is not mean...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Surrounding Piedra area is a prime area for 100% financing on a home loan. Piedra, Colorado buyers can get 100% financing on new home purchases in close by areas.This 100% program is truly not just for rural housing but for most of the geographic areas surrounding Piedra, Colorado qualifies for: - 100% Financing Available- Small Monthly Mortgage Insurance (.30% of loan amount per year)- Interest Rates are still very competitive compared to Conventional and FHA. The biggest benefit is no down payment to a USDA loan- true 100% financing- with long term, 30 year fixed rate loans. Low MI (mortgage insurance) compare it to FHA and Conventional and see the savings! Let's take a look at qualifying requirements for a USDA home loan: There are some geographic areas that do not allow for USDA loa...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
The benefits of a preapproval (not prequalification) for Piedra CO Home Loans. Many consumers are not informed on the proper way for buying a home. No question, this is a big decision, and one that can be either immensely stressful- or immensely enjoyable- depending on how you go about the home buying process of Piedra CO Home Loans and the surrounding areas. The key is to take the proper steps to educate yourself on your buying power, initial investment, and taking some time to think about your lifestyle choices. This article will cover all of these.   Education   The steps necessary to purchasing a home in Piedra, Colorado starts with getting pre-approved for your home loan. Notice we did not say get prequalified- in today’s world a prequalification is not meaningful. You should choos...
By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Comments 0
Being a Chromo CO First Time Homebuyer makes you have to consider your options before you buy. The first thing you will need to consider is what your long-term goals are with being a home owner  and how your goals fit in with that plan. One goal could be to stop paying rent that just increases after every lease you renewBuying your own home first is one of the happiest times of your life! However, a lot of paperwork and time goes into it and finding a lender with great reviews will ease much of the stress. But, the satisfaction you get from your first home closing is something you will never forget! The benefits of being a Chromo CO First Time Homebuyer greatly outweighs renting for the following reasons:          Greater privacy.          Homes typically increase in value the older the...
By RJ Baxter, 303-670-0137
(Fairway Independent Mortgage Corporation)
Comments 0
90% financing and low Jumbo Home Loan Rates on Jumbo Loans in Pagosa Springs CO. Are you looking for a Jumbo Mortgage lender in Pagosa Springs CO? There has never been a better time than right now to take advantage of this program. We specialize in helping luxury home buyers who need jumbo financing for the higher jumbo loan amounts. What is a jumbo loan? A jumbo loan in most counties is any loan that is greater than $417,000. There are some "high balance" counties in Colorado and they are listed at the bottom of this article or follow this link to the Fannie Mae County Loan Limits. These counties allow for "conforming" rates above $417,000 and up to the county limit. Are home loan rates higher on jumbo mortgages in Pagosa Springs? Not necessarily! Currently, we have jumbo rates availab...
By Dan Spencer, Your Colorado Home Source
(Aspen Lane Real Estate)
Comments 0
This beautiful 3 bedroom 2.5 bathroom home was bought by my clients. This home is in a great neighborhood and in walking distance to the Middle and High Schools. Congratulations to Nash and Marta snf hope you enjoy you new home!
By RJ Baxter, 303-670-0137
(Fairway Independent Mortgage Corporation)
Comments 0
Special Government Rehab Program- FHA 203K Rehab Loans in Archuleta County CO. There is a special government loan program that is part of the Federal Housing Administration (FHA)- a department within HUD. A home buyer or existing home owner can remodel or update their home without having a higher cost second lien thanks to this special FHA loan program. "Luxury items" like a hot tub and a swimming pool are not allowed by this FHA loan program. Repaint, remodel cabinetry in kitchens and bathrooms, add wallpaper, replace appliances and flooring and even add a room to an existing structure (which will increase the value of the homes square footage). The biggest advantage with this government loan program is that instead of having two higher interest loans, you can combine your primary mort...
By RJ Baxter, 303-670-0137
(Fairway Independent Mortgage Corporation)
Comments 0
VA Mortgage Loans in Archuleta County CO and 100% Archuleta County CO VA Loans - the best loan program in Colorado! VA Mortgage Loans are one of the best mortgage loan programs available today for active duty and honorably discharged Veterans. Here are some of the great features of this fantastic program: - Up to 100% financing, with no down required.   - No monthly mortgage insurance.   - Easier credit qualifying compared to other types of mortgage loans.   - VA Mortgage Rates are low compared to other types of home loans.   So how do you qualify for a VA Mortgage Loan in Archuleta County Colorado? First of all, you must verify your eligibility. This is done by ordering your Certificate of Eligibility or COE. A Colorado VA loan lender can order your COE quickly for you, or you can go d...
By RJ Baxter, 303-670-0137
(Fairway Independent Mortgage Corporation)
Comments 0
Archuleta County Colorado USDA home loans, 100% financing with Archuleta County Home Mortgage Loans. USDA mortgage Loans in Archuleta County are can help you with your home buying needs, and can be an excellent choice. If you are looking to buy a home in Archuleta County , there is an amazing 0% down payment option for you to take advantage of. Read more below: -Interest Rates on this program are still competitive compared to both FHA and Conventional Loans. There is 100% financing available with small monthly mortgage insurance (consists of about .30% of loan amounts per year). The biggest features of a USDA home loan include 100% financing with no down payment and interest rate loans that are fixed for 30 years. Compare the low MI (Mortgage Insurance) to other loan programs that aren'...
By Lee Riley
(Jann C. Pitcher Real Estate)
Comments 0
With only one month of the new year under our belts and with this being the slowest time of year for Pagosa real estate, there is not much of a story to tell. We are up by a couple of transactions over last year, but the sample is so small that it’s hard to tell whether the numbers mean anything at this point or not. However, I can say this; we have an unusually large number of properties under contract for this time of year. At last count, there were 43 pending transactions. If even two-thirds of those transactions actually close, we will soon be well above last year’s to-date totals. The amount of activity in the pipeline is encouraging. Bank repos remain the driving force in the market, and the number of repos on the market is up about 25% from a couple months ago. Not all the sales ...
By Lee Riley
(Jann C. Pitcher Real Estate)
Comments 0
Regarding the Real Estate Market in Pagosa Springs – which would you like first, the good news or the bad? Being an optimist, I’ll start with the positives. Let’s talk about the glass half full. We are having a big sale, similar to Black Friday after Thanksgiving. Prices are marked down and there are big deals to be had. I saw several screaming deals happen in 2009, and we will see many more – at least over the next six months. If you are an investor, there is money to be made. If you are a first time home buyer, the government is giving money away to the tune of $8,000 on your next tax return. In my opinion, the housing market will show better returns than the stock market or your neighborhood bank in the near future. If you’re looking for a place to park some money, let me know! Of co...
By Lee Riley
(Jann C. Pitcher Real Estate)
Comments 0
The Riley family had a great Thanksgiving. Laurie and I traveled to Denver to visit family, including our son and our new daughter-in-law. The festivities included seeing Riverdance and watching Carmelo Anthony score 50 points as the Nuggets beat the Knicks! All in all, we had a superb holiday, and I have so very much to be thankful for. Increasingly, I find myself asking the question, "Now what?" At 61, my priorities are changing. Dreams of cars and toys are being replaced by thoughts about health, retirement, and future grandchildren. Fortunately, I still love my job. The puzzles I am continually trying to solve are how to be more productive and how to better serve my customers. I still enjoy pondering and pursuing these goals, even as my other interests have changed. The Pagosa real ...
By Lee Riley
(Jann C. Pitcher Real Estate)
Comments 0
Go Broncos! This year, the Broncos are 6 and 1, and we are leading the division. According to the “experts,” we were only supposed to win 4 games this year! The sports commentators remind me of the financial gurus. Neither seems to know what they are talking about. I believe I’m doing better thinking on my own and not worrying about the negative naysayers. Some good news! Real Estate sales for October were up 18% over the same period last year. There were 39 sales this October versus 33 last October. Year-to-date sales are down 29%, which is a 3% improvement over last month. I attended our annual Real Estate Convention a couple of weeks ago, which is always fun, especially since it is held at the Broadmoor – a 5-Star facility. The Convention serves several functions, such as networking ...
By Lee Riley
(Jann C. Pitcher Real Estate)
Comments 0
Fall is here. The colors are getting bright, and mornings are cold. So, when will we get our first major snow? When will the ski area open? Will we have a hard winter or a mild one? In October in Pagosa, these are the questions on everyone’s minds. After two tough winters, I’m hoping for an easy one for a change. I do hope the ski area opens early. Halloween would be ideal. In a perfect world, we would have good early snow but not too much. When this happens, folks from Durango and Northern New Mexico have to come here to ski. Contrary to popular belief, we actually do better economically when we don’t get too much snow. Wolf Creek Pass stays open, and we are the best, and sometimes the only game around. I have been checking around town to see how our local merchants have been doing in ...

Archuleta County, CO Real Estate Professionals