Selling or Refinancing?? How does your Home Compare....

Selling or Refinancing Your Home?

Get Your Free Home Report Here

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

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

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.



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.

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.

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

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:

Example:  http://www.homesinthorntonco.com/mimarket/zip/80602/

 

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