Wednesday, December 19, 2012

Is Debt Consolidation Home Equity Loan Right For You?

Is debt consolidation home equity loan right for you? 


Maybe you've indulged in impulse shopping one too many times or actually found yourself in an emergency where paying with a credit card was the only option. Either way, if you're a homeowner who is struggling to pay those monthly bills, debt consolidation could make sense for you.

Homeowners who have equity in their homes but whose debt load has become difficult to manage are good candidates for debt consolidation loans. A debt consolidation loan allows you to pay off high-interest consumer debt, such as credit cards, by centralizing those balances with one lender in one loan. This means that you can merge a home mortgage payment, a car payment, a student loan payment and credit card debt into a single larger loan. One way to consolidate is through a home equity loan.

What is a Home Equity Loan?

Equity is the difference between the value of your home and the money you still owe on your mortgage. Sometimes referred to as a second mortgage, a home equity loan allows you to borrow against the equity you have built up in your property. With a home equity loan, your home is used as collateral for your debt consolidation loan. This type of debt consolidation allows you to benefit from mortgage interest rates that are typically lower than rates for other types of debt.

Another benefit of a home equity loan is that in most cases, interest paid is fully tax deductible.


To learn more about Uses for  a Consolidation of Loan, Costs of Consolidation Loan and the Disadvantages of Consolidation READ MORE HERE....



For more information on selling your home, check out our Seller Resources Page. To get your home market value click here and add your zip code. Emailed directly to you within minutes.  Contact the Hoffman Home Team when your ready to sell your home.

The Hoffman Home Team Blog ~ Heidi Hoffman ~ 303-949-9770 ~ Keller Williams Realty

Thursday, December 13, 2012

Home for Sale in Thornton

Home for Sale in Thornton Riverdale Park Community.  The Hoffman Home Team has been selling homes since 2000. Here is the newest home that just came on the market in Riverdale Park Community.












 
 
 
 
Thornton Home For Sale in Riverdale Park. Open & Spacious Floor Plan. Kitchen offers 42 inch cabnets with a kitchen island and large eat in space. All appliances included. Large concrete patio is perfect for entertaining. The loft overlooks the formal living room & dining room.  Master bedroom has 5 piece bath with walkin closet. Close to Shopping & Thornton Trail Winds Park & Open Space Skate Park.
 
For More Pictures or Virtual Tour of this home go to: http://www.13133ivanhoe.com.  To see more homes for sell in Thornton click here
Contact the Hoffman Home Team if you are thinking about selling your home of would just like a Free Real Estate Market Report for your neighborhood. It can be emailed directly to you and you can receive monthly updates.


Tuesday, December 4, 2012

Another Thornton Short Sale in Colorado Closed by the Hoffman Home Team of Keller Williams Preferred Realty


Another Thornton Short Sale in Colorado Closed by the Hoffman Home Team of Keller Williams Preferred Realty.

The Hoffman Home Team closes another Bank of America Short Sale in Thornton with NO deficiency to the sellers.

The Hoffman Home Team, serving the Denver Metro Area since 2000, under the Brokerage of Keller Williams Preferred Realty in Westminster, has a comprehensive Thornton Short Sale system for sellers. Homeowners who are facing a Thornton Foreclosure can request a Thornton Short Sale Agent, Westminster Short Sale Agent, Broomfield Short Sale Agent, or North Denver Metro Area Short Sale Specialist to consult with them about their situation and needs.

In addition, the Hoffman Home Team has a comprehensive short sale package allowing the sellers to be able to complete the requirements of the bank with ease.
Many homeowners in the Denver Metro Area are facing true hardships that force them to attempt a Short Sale rather than a foreclosure.

Lien Holder (2) Bank of America & Springleaf Financial
List Price $186,700
Sold Price $200,000
Sold Terms FHA Financing
Closing Costs $3,439
Deficiency - Waived
Total DOM - 139 Days
Total Number of offers negotiated - 3
Days of Approval - 29
Days to Close - 17

The Hoffman Home Team just closed a Bank of America Short Sale with a property on 135th Way. There were 2 lien holders. The property was listed for $186,700. The buyer used FHA financing and received $3439 in closing costs.  The seller received approval letter with NO deficiency language. And the seller received an incentive amount from Bank of America. The final short sale approval was received 29 days after the buyer's final agreement was accepted and it closed 17 days later.

The Hoffman Home Team offers a comprehensive short sale consultation to review the seller's situation and to discuss what is the best solution for the sellers.

The Hoffman Home Team can be reached at 303-949-9770. Call Dennis or Heidi Hoffman to discuss what options are available.  The Hoffman Home Team also works with sellers facing divorce, financial distress, estate sales, and traditional equity sellers. Thornton Short Sale Specialists with Keller Williams Preferred Realty.

Monday, December 3, 2012

City of Thornton WinterFest

The City of Thornton will be holding it's annual Thornton WinterFest this December 7-9, 2012 at the Carpenter Recreation Center multi purpose fields.  Parking located at 108th Ave & Colorado Blvd.

The City of Thornton will be kicking off the Holiday season by turning on the city holiday lights.  You can walk thru Santa's Mini Village, try outdoor ice skating, view the decorated trees for this season and have some treats from the Holiday Market place.  There will be music and fireworks.

Here is the Schedule of Events for the Thornton WinterFest.  Check out the schedule for Santa's Arrival.  Stay for the fireworks.





Wednesday, November 28, 2012

How Can a Real Estate Agent Help Me Sell My Home

How Can a Real Estate Agent Help Me Sell My Home?  
Here are the Top 10 Questions from the Hoffman Home Team to ask your Realtor.

Top 10 Questions to Ask Your Realtor about Selling a House
  1. Are you a full-time professional real estate agent? How long have you worked full time in real estate? How long have you been representing buyers? What professional designations do you have?
  2. Do you have a personal assistant, team or staff to handle different parts of the purchase? What are their names and how will each of them help me in my transaction? How do I communicate with them?  If you have a question about fees on your closing statement, who would handle that? Who will show up to your closing?
  3. Do you have a Website that will list my home? Can I have your URL address? Who responds to emails and how quickly? What's your email address?
  4. How will you keep in contact with me during the selling process, and how often?
  5. What do you do that other agents don't that ensures I'm getting top dollar for my home? What is your average market time versus other agents' average market time?
  6. Will you give me names of past clients?
  7. Do you have a performance guarantee? If I am not satisfied with your performance, can I terminate our listing agreement?  Keller Williams® Realty understands the importance of win-win business relationships: the agent does not benefit if the client does not also benefit.
  8. How will you get paid? How are your fees structured? May I have that in writing?
  9. How would you develop pricing strategies for our home? 
  10. What will you do to sell my home? Who determines where and when my home is marketed/ promoted? Who pays for your advertising?


For more information on selling your home, check out our Seller Resources Page. To get your home market value click here and add your zip code. Emailed directly to you within minutes.  Contact the Hoffman Home Team when your ready to sell your home.

The Hoffman Home Team Blog ~ Heidi Hoffman ~ 303-949-9770 ~ Keller Williams Realty

Tuesday, November 27, 2012

Get The Latest Real Estate Market Information for Your Area

Get The Latest Real Estate Market Information for Your Area

Market Insider, the FREE report that gives you valuable, customized, and up-to-date information on real estate trends in your local communities. Whether you're buying or selling a home, you'll have access to the real estate data you need to make informed decisions in this ever-changing real estate market.




 

                

Create a customized Market Insider report on the areas you care about most, and then sign up to receive FREE monthly updates. Market Insider provides current home listing and sale prices, community demographics, school ratings, side-by-side neighborhood comparisons, and more! Emailed monthly to you.


 

Whether you are looking to sell your home and want local real estate market data, or are thinking about buying a home and want to explore different homes and neighborhoods, here is a great real estate resource for you! Go to the link below and add your zip code:


 
Contact the Hoffman Home Team Today for Your Real Estate Selling or Buying Needs
The Hoffman Home Team ~ Heidi Hoffman ~ 303-949-9770 ~ Keller Williams Realty

 

Homes for Sale in Thornton


The Hoffman Home Team Selling Homes in Thornton

The Hoffman Home Team has been specializing in Colorado Real Estate since 2000. We work with traditional (equity) sellers, investors, short sales, and foreclosures. We can sell your home regardless of your financial situation. We have worked in variety of situations from relocation, growing families, divorce, retirement, and loss with strict confidence.

Here are some featured listings from the Hoffman Home Team

Under Contract Bank of America Short Sale in Parkridge Village in Thornton. http://www.4381east113.info
Contract received on 10/15/12. The Hoffman Home Team got final approval for the short sale on 11/26/12. If your looking for an experienced short sale realtor, contact us today.
Complete Remodel in Woodglen Community http://www.4057east113.com  The seller has remodeled and updated this home to make it Move in Ready.  
Open & Spacious Thornton Home in North Creek Farms. http://www.16463gilpin.com  Easy commute to Boulder from here. Close to shopping at Larkridge Shopping Center.


See 88 more homes in Thornton here.
Search the Thornton surrounding area here:
http://www.seekcoloradorealestate.com
 

If you are thinking of selling, get prepared by recieving a FREE Market Analysis of your home and neighborhood.  Emailed to you directly with weekly or monthly updates available.  Contact the Hoffman Home Team for Your Real Estate Selling & Buying Needs
 
The Hoffman Home Team ~ Heidi Hoffman ~ 303-949-9770 ~ www.hoffmanhometeam.com
 

 


 

Monday, November 19, 2012

Search for Thornton Colorado Homes for Sale

Search for Thornton Colorado Homes for Sale

Search for all types of homes in Thornton Colorado.  Bank Owned, Short Sales, and Traditionally homes for sale. Current Real Estate Market Trends available as well. Get Started Here


Real Estate Market Trends for Thornton

Weither your a buyer or a seller, knowing the real estate trends puts you in control of your transaction.  Compare different areas here. Market Insider
 
Contact the Hoffman Home Team for all your real estate selling and buying needs.
 
Heidi Hoffman ~ 303-949-9770
 












Experienced Real Estate Consultants

Experienced Real Estate Consultants

  Hire a professional when selling your home.
  Serving the Denver Metro Area since 2000
  We are Full Time Realtors

Hire a professional when it comes to selling your home.  We are Full time Realtors.

Home Selling Resources or Home Buying Resources

The Hoffman Home Team was established on one basic belief: that our job isn't work with brick and mortar and pieces of land, but with people who buy and sell their homes through us. But first, last, and always, people.

Our philosophy hasn't changed. We believe that our success is based entirely upon our ability to satisfy people's real estate needs.

Real estate is our passion. It is what makes us get up and going each morning. We make every effort to ensure you & your family is confident and comfortable throughout the home selling or buying process.

We definitely understand that real estate is a family business. It is all about helping our clients.


Get the Latest Real Estate Market Information for your area here by adding your zip code:

Market Insider Free Real Estate Information

Contact the Hoffman Home Team Today for Your Real Estate Selling or Buying Needs
The Hoffman Home Team ~ Heidi Hoffman ~ 303-949-9770 ~ Blog





Thursday, November 15, 2012

What Should You Look for in a Real Estate Professional?

What should you look for in Real Estate Professional?

Expertise!

As a full-time real estate professional, I have the necessary experience to see you through your home buying and selling process.

My Areas of Expertise include:
  • Calculating an estimate of the Market Value of your home
  • Crafting Marketing Strategies to sell your home
  • Promoting your property to other Realtors and Buyers
  • Holding and supervising open houses
  • Presenting contracts and negotiating terms
  • Providing Guidance when you seek financing
  • Coordinating inspections, appraisals, and contingency dates
  • Screening potential buyers and reviewing their offers before presenting them to you
  • Negotiating offers and counteroffers
  • Being Present throughout the entire process
There is no substitute for expertise. I invite you to use mine to assist you in selling your home.
Contact me today for a free no obligation market analysis of your home.  Check out our Seller Resources Page

Colorado  Homes For Sale. Have a home to sell in Colorado? Call the Colorado Real Estate Specialists at Keller Williams Realty and the Hoffman Home Team. Heidi Hoffman 303-949-9770



http://www.hoffmanhometeam.com

Tuesday, November 13, 2012

Getting You Ready to Sell

Real Estate Market Insider...Getting You Ready to Sell Your Home

Market Insider is a FREE Real Estate Tool that provides monthly reports emailed directly to you each month. Each report offers a wealth of information on Real Estate Trends in your specific area.

If you are considering selling your home, it's a great way to learn more about the up-to-date Real Estate Market Conditions. You can subscribe today and create your own personalized report.

Pick and Choose from Data and Charts on:

Current Real Estate Listings
Real Estate Inventory Trends
Recent Homes Sold and Listing Prices
Community Demographic Information

Sign Up For Your FREE Market Insider Report Today!

Contact me if you are interested in a no-obligation Market Analysis of your home.

Heidi Hoffman ~ Hoffman Home Team ~ Keller Williams Preferred Realty ~ 303-949-9770

Saturday, November 3, 2012

Low Housing Inventory....Is it a good time to Sell

The Denver Metro Area is experiencing low housing inventory. If you are thinking of selling, find out what your Home Value is.

FREE HOME EVALUATION -- IS NOW A GOOD TIME TO SELL FOR YOU?

The Denver Metro Area housing inventory is at 38% less than what is was last year.  Home prices are improving while the interest rates continue to stay at all time low.

Get your Free Market Analysis of your home value delivered to your e-mail!
Get your Free, no-obligation home value by clicking on link below.
FREE HOME VALUE REPORT



Colorado Homes for Sale. The Hoffman Home Team has been selling homes since 2000. Call the Real Estate Specialist at Keller Williams Realty and the Hoffman Home Team. Heidi Hoffman & The Hoffman Home Team 303-949-9770

Thursday, October 4, 2012

Renting vs Buying a Home.....How do you know

Renting vs Buying a Home...How do you know if it is the right time for you?



If your not sure if you can buy a home, try out this calculator out to see how if compares paying rent or paying for a mortgage. Here is a simple calculator that can help you see the options for you.  These are some values you need to consider:

FHA Loans
Percent of money down required 3.5%

Conventional Loans
Percent of money down minimum 5% or up to 20%

Home Appreciation/Deprecation Value from HUD is 2.1%

Current interest rates today are hovering around 3.5-3.8%

Buy vs Rent Calculator

Contact the Hoffman Home Team to learn more or answer any questions you may have about renting vs buying a home.

Office: 303-539-5395
Direct: 303-949-9770
 

Tuesday, October 2, 2012

Spacious Home for sale in the North Creek Farms Community

Home for Sale in Thornton
16463 Gilpin St
Thornton, CO 80602
Spacious Home in the North Creek Farms Community
Price : $269,900
Bedrooms : 5
Bathrooms : 3
Square Foot : 3,618
Lot Size : 6,882
Community : North Creek Farms
County : Adams
Property Type : Detached
Year Built : 2002
MLS Number : 1133266



click for more information and pictures

Property Description
Conveniently located in the North Creek Farms Community. This home offers an open floor plan. Formal Living and Dining Room great for holiday dinners. Kitchen is open to family room and backyard. Patio door opens to Trex deck great for entertaining.Master bedroom offers walk in closet and 5 piece bath. Enjoy the surround sound throughout the home and backyard. Close to Shopping Easy commute to Longmount/Boulder.
Features List
Large Lot Trex Deck 4 Bedrooms 2nd Level
Kitchen Island Open Basement 1 Bedroom/Study Main
Fireplace Wired Surround Sound Pantry
Sprinkler System 2 Car Garage Dog Run Sideyard
Kitchen Appliances 5 Piece Master Bath Walk In Closets
Washer & Dryer I Easy Commute Boulder Larkridge Shop/Dine
Equal Housing Opportunity.

Friday, September 28, 2012

Why didn't your house sell?


When you home dosen't sell, it can be a frustrating experience.  Learn Why Homes don't sell and How You can make sure your's will.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Before you put your home on the market again, be sure to ask your agent these questions:

1. How many homes do you sell each year in my neighborhood?

2. What strategies will you use to find a buyer for my home?

3. How do you help me determine the correct asking price for my home?

4. What type of communication can I expect from you?

My home seller guide details these answers, plus other important factors that have successfully met the needs of home sellers in your area.

 
 
 
Call me at 303-539-5395 or fill out this form to receive a FREE copy of my home seller guide.

Wednesday, September 26, 2012

Is Selling Your Home the Best Decision

Is selling Your Home the Best Decision?



The Hoffman Home Team has been specializing in Colorado Real Estate since 2000. We work with traditional (equity) sellers, investors, short sales, and foreclosures. We can sell your home regardless of your financial situation. We have worked in variety of situations from relocation, growing families, divorce, retirement, and loss of a loved one, with strict confidence.

Our goal is to SELL your home with the less amount of hassle, in a short amount of time, and get top dollar for your home. We MARKET your home to sell. We use the latest technologies and tools. We have a FULL TIME marketing and lead generation listing specialist to keep your home up front on the Internet at all time.

Of course, technology alone won't sell your home. Face-to-face interaction provides the advantage to sell your home-and you won't have to worry about a thing. The details will be handled with care and constant communication, to ensure the marketing and sale of your home go smoothly.

We personalize your marketing plan. Call 303-539-5395 or simply enter your information on this form and we will provide you with a speedy response. The more information you provide, the more accurate the evaluation. All your information is secure and will be keep strictly confidential. There is no obligation. Please indicate when you are thinking of selling and what you think your home might be worth. 

Tuesday, September 25, 2012

Why Are You Paying Rent......

If you knew how easy it was to own a home....you'd stop renting today!


Interest rates are still low.  Here are 8 Steps to Buying a Home and other Buyer Resources

For a Free ebook "Now is a Great Time to Buy"  or a Free Buyer Consultation, contact The Hoffman Home Team today. 303-539-5395

Not all real estate agents are the same

When your ready to sell your home, not all agents are the same.

The amount you pay, the length of your contract, the service you receive when selling your home can vary greatly from agent to agent, and company to company.

It is important to know that you have options and choices when working with me. We listen to your wants and needs.

Part of my personalized service includes customizing a home selling program specifically to meet your needs.

Your financial desires, your target moving date and other personal factors are all taken into account when pricing and marketing your home. Get your home valuation first.


Call me at 303-949-9770 or visit the Hoffman Home Team website to find out more about the difference I can make.


Tuesday, September 18, 2012

When Buying a Home......

What Not to Do Before You Buy a Home....





Don't make a large purchase especially if you charge it on a credit card.  This could change your credit score and your debit to income level. This could disqualify you from getting the mortgage loan. So wait to purchase new furniture or a car after your have closed on the home.

Don't change jobs unless it is absolutely necessary.  A consistent job history within the same line of work is critical to the loan underwriting.

Don't give your earnest money deposit directly to the seller.  Earnest money should be held by a third party within an escrow account i.e the real estate agent or the title/escrow company can hold your earnest money deposit.

Don't forget to order property insurance for your new home.  It may take the insurance company 1-3 weeks to get your insurance policy completed so make sure to get it started early in the process.

Don't ignore lender requirements.  Be absolutely clear on what is required from your lender and make sure you get the required documents as soon as possible.  Delaying turning items in can delay the loan process.

Don't buy a home on your own.  Use a real estate professional to guide you through the process on every step of the way.  Remember you don't pay the commission for the real estate professional, the seller does so take advantage of having a real estate professional work for you.

Contact the Hoffman Home Team if you want a real estate professional to work for you.  Search for homes here. 













Friday, September 14, 2012

Home For Sale in Woodglen Community in Thornton CO




4057 E 113th Place
Thornton, CO 80233
Home in the Woodglen Community
Home
Photo Gallery
Virtual Tour
Property Map
Payment Info
Request Showing


Hoffman Home Team
100002211


Office:303-539-5395
Mobile:303-949-9770
Website:Visit Website

Price : $262,000
Bedrooms : 3
Bathrooms : 2
Square Foot : 2,478
Lot Size : 9,491
Community : Woodglen
County : Adams
Property Type : Detached
Year Built : 1978
MLS Number : 1129209



click for more information and pictures
Property Description
This home is convientely located in the Woodglen Community. The home has been completely remodeled with all NEW Stainless Steel Kitchen Appliances, NEW Fixtures, NEW Furnace, NEW Flooring throughout, NEW Driveway, NEW Granite tile in the kitchen. Professional landscaped front & back yards. Bonus sun room off family room. Located on a cul-de-sac. Close to lots of shopping at 120th & Colorado. Adams School District.
Features List
  • NEW Driveway

  • NEW Flooring

  • NEW Carpet

  • NEW Exterior Paint

  • NEW Interior Paint

  • NEW Light Fixtures

  • NEW Kitchen Applianc

  • NEW Furnance

  • NEW Swamp Cooler

  • Landscape Front Yard

  • NEW Sod in backyard

  • Sun Room

  • Finished Basement

  • NEW Interior Doors

  • Wood Fireplace

  • Storage Shed

  • Garden Area

  • NEW Ceiling Fans

  • Kitchen Island

  • Updated Baths

  • Granite Countertops

  • Equal Housing Opportunity.
    Keller Williams Preferred Realty : 11859 Pecos St #200 - Westminster CO 80234 : 303-539-5395