1 Our Services

• 1.1 Our Committment

  • 1.1.0 Our Commitment to Home Buyers
  • 1.1.1 Why the Commitment to Buyer Agency?
  • 1.1.2 Why Exclusive Buyer Agency?

• 1.2 Our Game Plan

  • 1.2.0 Our Game Plan to Help Clients
  • 1.2.1 Communities We Cover
  • 1.2.2 Our Proprietary Mapping System
  • 1.2.3 Touring Homes
  • 1.2.4 The Focused Home Search
  • 1.2.5 Make an Offer and Win the Contract
  • 1.2.6 Under Contract to Closing
  Show all articles ( 1 ) Collapse Articles

• 1.3 Our People

  • 1.3.1 Lindsey Wolf Lunney
  • 1.3.2 Norris Minick
  • 1.3.3 Danielle Miller

• 1.1.0 Our Commitment to Home Buyers
• 1.1.1 Why the Commitment to Buyer Agency?
• 1.1.2 Why Exclusive Buyer Agency?
• 1.2.0 Our Game Plan to Help Clients
• 1.2.1 Communities We Cover
• 1.2.2 Our Proprietary Mapping System
• 1.2.3 Touring Homes
• 1.2.4 The Focused Home Search
• 1.2.5 Make an Offer and Win the Contract
• 1.2.6 Under Contract to Closing
• 1.3.1 Lindsey Wolf Lunney
• 1.3.2 Norris Minick
• 1.3.3 Danielle Miller
Show all articles ( 7 ) Collapse Articles

2 The Home Buying Process

• 2.1 Introduction to the Home Buying Process

  • 2.1.0 Educate Yourself About the Home Buying Process
  • 2.1.1 The Home Buying Process
  • 2.1.2 Meet with Lenders and Real Estate Agents
  • 2.1.3 Financing Your Home Purchase

• 2.2 Getting Started

  • 2.2.1 Locating Yourself in the Market
  • 2.2.2 Tackle the Trade-off Decisions
  • 2.2.3 What is the Focused Home Search?

• 2.3 Negotiating the Contract

  • 2.3.1 Make Your Best Purchase Offer
  • 2.3.2 Evaluating the Property
  • 2.4.3 Structuring Your Offer
  • 2.4.4 Negotiating the Contract

• 2.4 Important Documents

  • 2.5.1 Colorado Contract Forms
  • 2.5.2 Lender Documents
  • 2.5.3 Home Inspection Related Documents
  • 2.5.4 Title Related Documents

• 2.5 Loans and Financing

  • 2.6.0 Home Loan Basics
  • 2.6.1 Types of Loans
  • 2.6.1.0 The Loan Term
  • 2.6.1.1 The Payment Structure of the Loan
  • 2.6.1.2 The Source of Funds
  • 2.6.2 Credit and Qualifying
  • 2.6.3 Cash Requirements
  • 2.6.4 Gifts from Family Members
  • 2.6.5 Selling Other Assets
  • 2.6.6 Write Yourself a Check Against Your Credit Card
  • 2.6.7 IRA, 401(k) or other Retirement Funds
  • 2.6.8 Assistance Programs
  • 5.3.1 What do I need to take with me when I apply for a mortgage?
  Show all articles ( 7 ) Collapse Articles

• 2.7 About the MLS

  • 2.7.1 Two MLS systems serve our area
  • 2.7.2 National MLS System
  • 2.7.3 Don't Rely on these Areas Covered Descriptions
  • 2.7.4 Limitations of Online MLS Systems
  • 2.7.5 Loss of Assistance and Representation
  • 2.7.6 Is the Property Available...or Not?
  • 2.7.7 Data on Properties that Have Sold
  • 2.7.8 Delays and Limitations in Data Access
  • 2.7.9 Search New Built Homes
  Show all articles ( 3 ) Collapse Articles

• 2.1.0 Educate Yourself About the Home Buying Process
• 2.1.1 The Home Buying Process
• 2.1.2 Meet with Lenders and Real Estate Agents
• 2.1.3 Financing Your Home Purchase
• 2.2.1 Locating Yourself in the Market
• 2.2.2 Tackle the Trade-off Decisions
• 2.2.3 What is the Focused Home Search?
• 2.3.1 Make Your Best Purchase Offer
• 2.3.2 Evaluating the Property
• 2.5.3 Home Inspection Related Documents
• 2.5.4 Title Related Documents
• 2.6.0 Home Loan Basics
• 2.6.1.0 The Loan Term
Show all articles ( 7 ) Collapse Articles

3 Getting to Closing

• 3.0 Once You're Under Contract

  • 3.0.1 Once You're Under Contract

• 3.1 Dealing With Financial Issues

  • 3.1.1 Dealing with Financial Issues

• 3.2 Evaluating the Property

  • Evaluating the Property
  • Get an Inspector
  • Should I be doing inspections beyond the standard building inspection?

• 3.3 Evaluating the Title

  • Evaluating Title and the Home Owner's Association
  • Title Insurance

• 3.4 Evaluating the HOA

  • How do we evaluate the home owners association if there is one?
  • Maintenance of the Complex
  • Rules and Regulations
  • The Association's Management Style
  • The Financial Status of the Association

• 3.5 Preparing to Close

  • Attorney
  • Final Closing Figures
  • Insurance
  • Preparing to Close
  • Review Closing Documents
  • Set Walk Through and Closing Times
  • Transfer Funds
  • Utilities
  • Where to Begin
  Show all articles ( 3 ) Collapse Articles

• 3.6 The Closing

  • Articles coming soon

4 Our Service Area

• 4.0 Service Area

  • Articles coming soon

• 4.1 Community Info

  • 4.1.0 Community Information
  • 4.1.1 Three Great Places to Start
  • 4.1.2 Other Good Sources of Information
  • 4.1.3 Community Links

• 4.2 School Info

  • 4.2.1 School Information
  • 4.2.2 Schools Districts by County
  • 4.2.3 State and National Resources for Comparing Schools
  • 4.2.4 Some Thoughts on Comparing Schools

• 4.3 Things to Do

  • 4.3.1 Our Area - Shopping
  • 4.3.2 Our Area - Farmer's Markets
  • 4.3.3 Our Area - Museums
  • 4.3.4 Our Area - The Arts

5 Related Service Providers

• 5.1 Real Estate Agents

  • Real Estate Agents

• 5.2 Home Inspectors

  • Home Inspectors

• 5.3 The Mortgage Lender & Staff

  • 5.3.1 What do I need to take with me when I apply for a mortgage?
  • A Plan of Action
  • Coach vs. Gatekeeper
  • Criteria for Selecting a Good Loan Officer
  • Good General Sources of Information on Loans and Lenders
  • Locate a Loan Officer Not an Interest Rate
  • The Lender's Team
  • Why a Good Loan Officer is Useful
  Show all articles ( 2 ) Collapse Articles

• 5.4 Title Company Staff

  • Title Company Staff

• 5.5 Attorneys

  • Attorneys

• 5.6 Surveyors

  • Surveyor

• 5.7 Appraisers

  • Appraisers

6 Risks and Pitfalls

• 6.0 Risks and Pitfalls Intro

  • Introduction to the Risks and Pitfalls of Real Estate

• 6.1 Property Condition

  • Homeowner Projects and Building Permits
  • Property Condition
  • Septic Systems
  • Soils
  • Termites and Other Pests
  • The Grounds
  • The Home Inspection
  • Utilities
  • Water Wells
  Show all articles ( 3 ) Collapse Articles

• 6.2 Health Hazards

  • Asbestos
  • Health Hazards
  • Lead Based Paint
  • Methamphetamine Contamination
  • Radon
  • Water Quality

• 6.3 Your Requirements and Criteria

  • Your Requirements

• 6.4 Neighborhood and Community

  • Crime
  • Current Uses of Nearby Properties
  • Flood Zones
  • Future Development
  • Mine Subsidence
  • Neighborhood & Community
  • Prior Use
  • Schools
  • Streets and Traffic
  • Taxing Districts
  Show all articles ( 4 ) Collapse Articles

• 6.5 Legal Issues

  • Legal Issues
  • Statutes and Regulatory Practices
  • Subdivision Covenants
  • Zoning

• 6.6 Vacant Land

  • Historical Background
  • Minimum Recommendations
  • Obligations of Ownership
  • Potential Risks With Vacant Land
  • Rights of Others
  • Vacant Land

• 6.7 New Construction

  • Home Warranty
  • New Construction
  • Plans vs. Reality
  • Who is the Builder

• 6.8 Condos and Townhomes

  • Condos and Townhomes
  • Lending Requirements
  • Rules and Regulations

7.0 Market Data

• Comments on the Housing Stock Data
• Comparing Communities
• Comparing Communities (2)
• Housing in Each Community
• Housing Stock Basics
• The Housing Stock in Each Community