Buy with Confidence
Introducing STEPHAN IE LEPARD 303.885.4746 | Stephanie@Kentwood.com StephanieLepard.com
Stephanie Lepard is an award-winning agent with a deep knowledge of the Denver market, from charming condos and townhomes to luxurious estates throughout the Denver area. Stephanie is fully committed to her profession. She continuously expands her knowledge of the latest market activity by routinely previewing a myriad properties regardless of her current client’s need. This allows her to advise her clients on specific properties based on the multi-layered knowledge of the variety of Denver neighborhoods. Raised in a real estate family in the northern suburbs of Chicago, Stephanie stayed in the Midwest earning her bachelor’s degree from Wittenberg University. Stephanie’s professional background includes 11 years in the insurance industry focusing on project management, marketing, employee relations and sales. She applies all of these professional skills to her real estate career. She has called Denver home for the last 13 years and currently lives in Hilltop with her husband, two children and their golden retriever. Stephanie has a strong passion and devotes her time to support the Children’s Hospital of Colorado by serving on the Development Committee and the NICU Family Advisory Council for the Children’s Hospital of Colorado. She helps with the fundraising events for the hospital as well as directly supports the children it serves. Stephanie is involved elsewhere in the Denver community and has served on the Board of her children’s neighborhood school. In addition to spending time with her family, Stephanie also enjoys running, skiing and golf. Stephanie’s expertise, service commitment, warm personality and keen sense of her clients’ needs will help you with selling and/or buying your next Denver dream home. 2017, 2016, 2015, and 2014 Denver Metro Association of Realtors Award Recipient.
Testimonials
“Stephanie was a thoughtful and thorough partner in our home search and purchasing process. We hadn’t been in the market in almost a decade and had forgotten how complicated the process can be once you find a home you love. Stephanie was with us every step of the way and had a great network of contacts that helped us through inspection repairs and remodeling work that we wanted done. We would have struggled without her helpful responsiveness and her initiative to take extra steps when she knew we needed it. Many thanks!” S.B. // DENVER, CO
“Stephanie by far exceeded our expectations! She is very knowledgeable of the market, which meant a great deal because we were out of state buyers. She was also very energetic and went above and beyond to help us with our search. She took FaceTime videos of a few properties so we could view them from Texas. Stephanie is also extremely friendly and we felt we were getting to know her as a friend through the process. Unfortunately, work is keeping us from finding our dream home in Colorado at this time. We hope to use Stephanie’s services again in the future. The only criticism we have of Stephanie is she raises the bar so high it makes it difficult to work with any other real estate agents here in Texas. Thank you for everything Stephanie!” K.L. // GRAPEVINE, TX
“Stephanie was our realtor both for selling our
“Stephanie was nothing more but a patient,
house and buying a new house. Through her
kind, informed and gracious helper and agent
keen marketing suggestions, we sold at list
as I attempted to find just the right fit of a
price in 6 days and setting a new watermark
property for me here in the Denver suburbs.
for our area. On the buy side, her suggestions
Coming from a very beautiful location north
for how to make our offer, addressing not
of Chicago and situated on some of the
only the price but also timing and why the
Midwest most beautiful properties, Stephanie
house meant so much to us, allowed us to
was so understanding about the transition
prevail in a very competitive bidding process.
from that environment to that of Colorado!
Simply fabulous results on both sides. My wife
Grateful for all of her sound guidance and her
and I could not be more proud to write this
hand holding and her no drama style! Thank
recommendation for Stephanie.”
you again and again!!”
K.B. // DENVER, CO
P.K. // LAKE FOREST, IL TO DENVER, CO
”There are four words to describe Stephanie Lepard’s character extremely competent and very professional. She stocked us with info that made us extremely knowledgeable about the area to the point where we were comfortable during the bidding process…Stephanie was very professional as well as competent. She was miles ahead of the other two realtors that we worked with that came with high praise. I would not hesitate recommending her to anyone looking for a new home.” R.S. // HIGHLAND PARK, IL
“Stephanie was an incredible asset to us while we searched for a house for my mom. She was beyond patient with me and my constantly changing idea of what we wanted, and she did a super job of getting us to focus on our priorities and help us narrow the pool of houses. Stephanie is the utmost in professionalism, patience, and kindness. We will absolutely us Stephanie Lepard in our future real estate transactions!” R.S. // DENVER, CO
“Stephanie Lepard is trustworthy, honest
Stephanie is an incredibly professional, but
and delightful to work with. She was always
genuine partner in this intimidating process,
responsive to our needs and desires, promptly
especially for an out of town family who had
responded to our questions and concerns,
yet to relocate to Denver at the time of starting
and kept us informed throughout the process
our search. She is always understanding of our
of buying our home. Her negotiation skills
questions and approachable at all times. Most
are excellent. We have nothing but praise
helpfully, Stephanie is very organized and made
for her work and without reservation, highly
the process extremely easy.
recommend her.”
J.Z. & J.T. // SAN FRANCISCO TO WASH PARK
S.R. // CT TO GREENWOOD VILLAGE, CO
Testimonials
“Stephanie made it so easy to purchase this property. She is so organized and easy to work with. She found us the perfect house - just what we were looking for and we feel we got a really fair price. Thank you!” G.H. // DENVER, CO
Simply put, Stephanie is a true real estate
“I recommend Stephanie to all of our family
professional with deep knowledge and
and friends. She is exactly the kind of person
insight into both the buy side and sell side
you want to work with you in a Real Estate
of the business. She is straight forward
transaction – Honest, straightforward, and
and honest and she operates from deeply
dedicated to getting the deal closed. She went
rooted values around principled behavior
above and beyond the call of duty to make sure
and interpersonal relationships.
our property sold quickly and for the best price.” E.W. // CHERRY HILLS VILLAGE, CO
“We trusted Stephanie to sell our Wash Park home, even though we no longer reside in Colorado. She did that and then some! Stephanie truly has her finger on the pulse of real estate. She knew exactly where to price our house so that it would attract buyers and solicit multiple offers, ultimately selling our house within days, well over asking price. She was effective, communicative and aggressive while being sensitive to our wishes and ideas. Steph took care of absolutely everything, making this a stress-free, seamless transaction. You will not find a more knowledgeable, trustworthy, more resourceful agent in Colorado! Not enough “Stephanie did a great job for us!
room to rave about Stephanie Lepard, and how
We couldn’t be any more pleased.”
grateful we are for her help!”
S.H. // RICHMOND, VA TO DENVER, CO
J.P. // CAMPBELL, CA
“Stephanie was absolutely outstanding in working with us through the process. We gave her extremely short notice as to when we would be available and she was always able to get us in to see houses even when we knew it conflicted with previous engagements she had. She made the process of buying a house from the other side of the country as stress free as possible. She’s amazing and we definitely recommend her to friends and family.” S.H. // KNOXVILLE, TN TO DENVER, CO
Simply put, Stephanie is a true real estate professional with deep knowledge and insight into both the buy side and sell side of the business. She is straight forward and honest and she operates from deeply rooted values around principled behavior and interpersonal relationships.
“You are a really caring and committed agent. You
“We had a somewhat unusual
did an awesome job…Thank you again for above and
circumstance during our buying
beyond service. I would highly recommend you.”
transaction because there were
J.E. // REFERRING AGENT, LAKE FOREST, IL
multiple offers and we were in a competitive situation. Stephanie did an outstanding job selling not only us as buyers to the other agent but also our offer and how the deal would get done without issue. We are very grateful that we had Stephanie on our side because we would not have gotten
“Very friendly, great to work with. My wife and I had
the house if it wasn’t for her. She is
somewhat different “want” lists. Stephanie was great
excellent at building a solid working
and figuring out what each of us wanted and found a
relationship with other agents.”
great house we would have otherwise missed!” D.S. // WASH PARK
E.W. // CHERRY HILLS VILLAGE
38 years in business
6 consecutive years with total sales over $2 billion
215 top producing agents
20+ average years of experience per agent
4 strategically located offices
170 charitable causes supported
Kentwood Real Estate Kentwood Real Estate is an elite team of REALTORS®
LeadingRE network spans 70 countries and includes
whose exceptional service, local expertise and deep
more than 130,000 real estate professionals selling
community roots create a market advantage for
more property than any of the large national brands.
clients.
We are also members of Who’s Who in Luxury Real
From the beginning, Kentwood was built on the foundation of broker excellence. Only the most professional, ethical and knowledgeable top-
Estate, a compendium of the finest residential real estate firms from around the world from local boutique brokerages to large international brands.
producing brokers are selected to be affiliated with
Active and respected in the industry, Kentwood Real
our esteemed brand. Founded as The Kentwood
Estate has a significant number of brokers serving
Company in 1981 to represent a discerning clientele,
on committees and Boards of Directors at local, state
our firm’s original office opened in the Denver Tech
and national real estate associations including the
Center. In 1998, Kentwood opened our Cherry Creek
Denver Metro Association of REALTORS®, Colorado
office, and our downtown location followed in 1999. In
Association of REALTORS®, and the National
2018, Kentwood expanded our footprint to Northern
Association of REALTORS®.
Colorado with the addition of our Fort Collins office.
At our core, Kentwood is built on the foundation of
Kentwood Real Estate is the exclusive Colorado
supporting our local community. The company and
affiliate of Berkshire Hathaway’s HomeServices of
individual brokers are passionate in our ongoing
America. In 2016, the organizations aligned given our
commitment to supporting organizations that aid
shared core values of trust, integrity, stability and
those in need, such as HomeAid Colorado, which
longevity. HomeServices companies are independent
supports non-profits that create housing solutions
brands under the Berkshire Hathaway umbrella, not
and ancillary support for the homeless. Kentwood
franchises. We are owned and operated by BH as a
brokers additionally volunteer and support over
collective of the top real estate brands in the country,
170 local, national and international non-profit
yet managed locally to maintain our independence of
organizations.
brand, community roots and deep local knowledge.
Our brokers hold themselves to the highest standards
Kentwood is a member of Luxury Portfolio
in the real estate industry and remain committed
International® and Leading Real Estate Companies
to helping their clients, and each other, successfully
of the World®, the largest global network of premier
reach their goals. Kentwood brokers are family and, as
locally branded companies, dominated by many of
soon as you work with one, so are you.
the world’s top-tier independent brokerages. The
Cherry Creek
City Properties
Few Colorado neighborhoods exude the
Kentwood Real Estate City Properties is
charm and prestige found in central Denver,
conveniently located across from Union Station,
including the Cherry Creek area. Kentwood
providing outstanding access to Denver’s most
Real Estate Cherry Creek is located in the heart
desired pedestrian-friendly neighborhoods.
of this stimulating and evolving cosmopolitan
Whether seeking a loft in LoDo, a historic
community. Central Denver neighborhoods are
bungalow in Washington Park, a mansion in
known for their vibrant culture, walkable lifestyle
Country Club, a flat in The Highlands, or a retreat
and diverse architecture. Our brokers not
in the foothills, Kentwood City Properties is
only specialize in Central Denver’s prestigious
Colorado’s premier source for “city and city-
neighborhoods, they are also seasoned
close” Denver real estate. Kentwood brokers
professionals with a broad depth of knowledge
are also the leading experts on new housing
in all areas of the Denver Metropolis. Kentwood
trends and are the exclusive listing firm for many
brokers know bungalows to mid-century modern,
of Denver’s finest developers. These projects
Tudors to townhomes and new construction
provide remarkable diversity in location, finish,
versus classic.
amenities and price.
Additional Services
Commercial Brokerage Services provided by Kentwood Commercial KentwoodCommercial.com
Denver Tech Center
Northern Properties
A great location is more than a key prerequisite
Kentwood Northern Properties’ premier location
for home buyers – it is also a defining
enables our leading real estate professionals
characteristic of the Kentwood Real Estate DTC
to deliver exceptional service throughout all of
office. Our premier location in the heart of the
Northern Colorado; from just north of Denver
Denver Tech Center enables Kentwood’s leading
to the Wyoming border. Our seasoned brokers
brokers to serve clients in the vibrant southern
not only specialize in Fort Collins’ charming
sector of metro Denver in grand fashion. It’s
communities, they also possess a broad depth
an area characterized by remarkably unique
of knowledge of the entire Northern Colorado
communities, extraordinary amenities, and a
region, an area characterized by a thriving
way of life that enables residents to live, work
economy, educated workforce, and recreational
and play in the same district. From Cherry Hills
opportunities. From Fort Collins’ eclectic enclaves,
to Greenwood Village to Castle Pines Village and
Boulder’s vibrant culture, and Loveland’s urban
points in between, South metro is the location
streets to Windsor’s small-town charm and Erie’s
for many of the region’s estate properties and a
bustling communities, Kentwood brokers provide
lifestyle second-to-none.
you with the most dependable and effective real estate service you can find.
Leasing & Property Management
Mortgage Services
provided by Denver Rental
provided by HomeServices Lending
DenverRental.com
CO.HomeServicesLending.com
A trusted brand
ethical
We affiliate with the top brokers in the marketplace and hold ourselves to the highest standards. Our values are worn on our sleeves to prove to our customers that we are there for them, and that we’ll always strive for an ethical solution.
professional
We have never cut corners and we never will. No matter the size or scope of our clients’ needs, we provide white glove service to all. When you walk through our doors you are valued – we are offering our trust. Our brokers are committed to helping our clients, and each other, successfully reach their goals. Kentwood brokers are family and, as soon as you work with one, so are you.
local
We are nimble because we are part of the community, Colorado is our home. We believe in our communities and our hearts belong here. Our brand is local and will stay that way, but we’re able to bring the world to Colorado when we need to.
quality
We are leaders, and guarantee a personal touch to every client – this is our passion. We adapt and bend to challenges, are problem solvers and dream makers. Through our affiliation with HomeServices of America, we have the backing of one of the most trusted brands in the world—Berkshire Hathaway.
expert
We are able to offer our superior service because we are all at the top of our craft. We are knowledgeable, prestigious, and offer a full-service product – we are quality, not quantity, here to help our community. Luxury is in the eye of the beholder, and we are experts at luxury, locally and globally.
Number One Representing more buyers than any other brokerage
Source: Broker Metrics January 2016 - April 2019 Denver & Larimer counties for homes over $500,000
$2,078,723,160 2018 CLOSED SALES VOLUME
3,183 2018 CLOSED SALES TRANSACTIONS
Share of voice Share of Voice, in public relations, is defined as the percentage of all online news and broadcast content about a company or brand, compared to that of its competitors, over a specified time period. This graph analyzes the volume of Kentwood and competitor coverage between June 1st and December 31st of 2018, and illustrates Kentwood Real Estate’s commitment to being the real estate thought leader in the Colorado market.
KENTWOOD EARNED MEDIA COVERAGE MARKET WIDE
KENTWOOD REAL ESTATE
497
40.9%
MADISON & COMPANY
327
26.9%
LIV SOTHEBY’S INTERNATIONAL REALTY
147
12.1%
COLDWELL BANKER
115
9.5%
PORCHLIGHT REAL ESTATE GROUP
115
9.5%
RE/MAX CHERRY CREEK
9
0.7%
KELLER WILLIAMS DOWNTOWN DENVER
4
0.3%
SLIFER SMITH & FRAMPTON, DENVER
2
0.2%
Giving back Kentwood as a local brand has always taken pride in being a good neighbor and today, Kentwood Real Estate continues to support numerous civic and community endeavors. Every year, Kentwood and our brokers demonstrate our commitment to the community by volunteering and supporting local charities and events.
Organizations Supported by Kentwood Brokers ACE Scholarships African School Assistance Project Alzheimer’s Association American Heart Association Amp The Cause Anchor Center for Blind Children ASPCA Barth Hotel Be the Gift Big Brothers, Big Sisters of Colorado Bonfils Blood Center Boy Scouts Troop 199 Brent’s Place Byers Middle School Camp Wapiyapi Cancer League of Colorado Castle Rock Firefighters Cherry Hills Land Preserve Cherry Hills Village Elementary Cherry Park Children International Children’s Hospital Children’s Diabetes Foundation City Lax City Year Civic Center Conservancy Clyfford Still Museum Coalition for the Homeless Colorado Agency for Jewish Education Colorado Cancer Foundation Colorado College Colorado Haiti Project Colorado Outward Bound School Colorado Ovarian Cancer Alliance Colorado Pet Pantry Colorado Police Officer’s Foundation Colorado Public Radio Colorado Shares Food Drive Colorado University Sustainable Excellence Initiative Colorado Wind Ensemble Community Shares of Colorado CU Denver School of Business Culture Haus D.E.A. Survivors Fund Dennison Elementary School Denver Art Museum Denver Bike Share - B Cycle Denver Botanic Gardens Denver CASA Denver Children’s Home Denver Dumb Friends League Denver Film Society Denver Hospice Denver Kids Denver Metropolitan Major League Baseball Stadium District Board Denver Rescue Mission
Denver Urban Matters DMK Rehoming Don Miguel Charities Downtown Denver Partnership Eastern Star Masonic Retirement Campus Families First First Descents Flatirons Community Church Food Bank of the Rockies Food for the Poor Forgotten Felines Rescue Friends of Manual Friends of Painting and Sculpture Front Rangers Cycling Club Girl Scouts of America Girls, Inc. Glery Ross Foundation Global Down Syndrome Foundation Golden High School GoodWill Colorado Greater Park Hill Community GreenPeace Habitat for Humanity of Metro Denver High Line Canal Conservatory Highland United Neighbors Inc. HomeAid Colorado Hope’s Promise Orphan Ministries Invest in Kids Jewish Colorado Justice Rescue Kempe Foundation Komen Colorado Ladies of Charity - Holy Ghost Church Leukemia and Lymphoma Society Littleton Life Center LoDo Cares LoDo District, Inc Make-a-Wish Foundation Maxfund Animal Adoption Center Mercy Housing Metro Caring Mile Hi Youth Corp Mile High Early Learning Morris Animal Foundation Most Precious Blood Muscular Dystrophy - Samples Concert Museum of Contemporary Art National Multiple Sclerosis Society National Western Stock Show NPR NSCD Optimist International Parkinson’s Association of the Rockies PetBucks Plan JeffCo Planned Parenthood of the Rocky Mountains
Porter Hospice Program Pradera Project Angelheart Project Cure Project Pave Race for Research Ralston Elementary School RedLine Regis Jesuit High School Regis University Rocky Mountain Feline Rescue Roundup River Ranch SafeHouse Denver Salvation Army Santa Claus Shop Sara’s Home Save the Children Shining Stars Foundation Shriners Hospital Siena College Smile Train Soles 4 Souls South Metro Food Bank St. Jude Children’s Hospital Temple Sinai Tennyson Center The Challenge Foundation The Colorado Ballet The Delores Project The Humane Society of the United States The Jewish Experience The Kitchen Community The Melanoma Research Foundation The Third Way Center Theodore Roosevelt Medora Foundation There with Care Toys for Tots Unified Lacrosse University of Notre Dame Charities University of Wisconsin Mile High Alumni Veterans of Foreign Wars Washington Park East Neighborhood Association WeeCycle West Middle School Wild Animal Sanctuary Wish for Wheels Women Who Wine and Who are Charitable Women’s Bean Project Women for Women International Women’s Global Empowerment Fund World Wildlife Fund Wounded Warrior Project Zara Project
Buying with Kentwood
A Broker’s Responsibilities Your Kentwood Broker will provide the luxury of personalized service and take care of it all, from specialized market knowledge to negotiating and closing your transaction.
Expert Guidance Frame a property search around what’s most important to you
Responsiveness Act in good faith at all times Adhere to your instructions
Recommend lenders for pre-approval to help determine a realistic price range, strengthen your offer and lead to
Return calls, texts and emails promptly Closely track dates and deadlines
a faster closing Search MLS in real time to find new properties that match your criteria Preview properties, schedule appointments and accompany you to showings Analyze comparable property values and advise you on current market conditions Structure and prepare your offer,
Accounting Receive and remit earnest money deposits Receive and deliver all documents in a timely manner Review final settlement statements
review disclosures and laws and deliver the contract Negotiate skillfully on your behalf from offer to inspection and promote clear and frequent communication among all parties Review title commitment, recommend home inspectors, facilitate lender approval and insurance coverage, and recommend attorneys or tax professionals as needed Accompany you on your final walk-through Attend your closing to help answer any questions
Loyalty Place your interests above all others Keep your personal information strictly confidential Ensure that all parties to the transaction are fully informed about any material facts that may affect the transaction
Steps in the Kentwood buying process
DISCUSS YOUR NEEDS
RECOMMEND LENDERS FOR PRE-APPROVAL
SEARCH MLS & OTHER SOUCES FOR NEW PROPERTIES
DETERMINE SEARCH PARAMETERS
DETERMINE REALISTIC PRICE
PREVIEW PROPERTIES
DELIVER CONTRACT TO SELLER OR LISTING AGENT
FACILITATE FASTER CLOSING
SCHEDULE AND ACCOMPANY YOU TO SHOWINGS
NEGOTIATE ON YOUR BEHALF
REVIEW SETTLEMENT STATEMENT
ACCOMPANY YOU ON FINAL WALK THROUGH
FACILITATE & ATTEND CLOSING
ANALYZE COMPARABLE PROPERTY VALUES
FACILITATE HOME INSPECTION
W E LC O M E H O M E !
DECISION TO BUY PROPERTY AND PREPARE OFFER
ASSIST IN REVIEWING TITLE COMMITMENT
REVIEW DISCLOSURES AND LAWS
ENSURE COMMUNICATION AMONG ALL PARTIES
The people involved and how communication takes place
BUYER’S AGENT
BUYER
LISTING AGENT
TITLE COMPANY
LENDER
INSPECTOR
About the commission
SELLER TYPICALLY PAYS
LISTING AGENT’S BROKERAGE OFFICE
LISTING AGENT
SOMETIMES BUYER PAYS
BUYER’S AGENT’S BROKERAGE OFFICE
BUYER’S AGENT
SELLER
Our digital reach All Denver Metro listings can be viewed 24/7 on the continually updated Kentwood.com. Kentwood has deployed cutting-edge technology in order to give you the most robust search tools, and information about brokers, home buyer resources, and market data. Get to know metro Denver and Northern Colorado by browsing through our in-depth community profiles. With our “Property Alerts� feature, you can save searches, share properties, and automatically keep your Kentwood Realtor up to date with what you like. You can also create an account by using your Facebook or Google login information. The cornerstone of Kentwood.com is our Advanced Interactive Mapping (AIM) feature which provides a unique map-based property search that allows you to search for just the right home and neighborhood.
Real time, dynamic search functionality Display of all property listing data on the map according to the search characteristics from your selection The ability to draw custom search boundaries using
Kentwood.com has all the tools you need for productive property searches:
the interactive ‘polygon’ search tool Point-of-Interest Plotting, enabling the buyer to search for area shops, services and amenities such as restaurants and schools Satellite photos of entire search areas as well as close-up “Street View” photographs of any neighborhood Market Data And Statistics Relevant information that aligns with your lifestyle. Categories include Events, Restaurants, Things to Do, Theatre And Arts, Music And Concerts, and Sports
Mobile Kentwood knows that more than 50% of real estate searches are done on mobile devices. This makes mobile accessibility crucial to the real estate market.
Web traffic sources
2018 Site usage
487,901
73.3%
TOTAL VISITS
D I R ECT T R A F F I C & O RGA N I C S E A RC H 3 57,6 2 3
56.85% NEW VISITS
2,052,934 PAGE VIEWS
26.3%
4.21 REFERRING SITES 1 2 8,5 3 9
Web traffic demographics 45%
55%
FEMALE
MALE
4.8%
27%
18 - 24 YEARS
25 - 34 YEARS
25.5%
19.8%
35 - 44 YEARS
45 - 54 YEARS
14.9%
8%
55 - 64 YEARS
65+ YEARS
AVERAGE PAGE VIEWS PER VISITOR TYPICAL VISITOR’S PAGE VIEWS = 2
3:12 AVERAGE MINUTES ON SITE TYPICAL SITE VISITOR’S MINUTES ON SITE = 1:50
Sources by location
HIGHEST CONCENTRATION
LOWER CONCENTRATION
487,901
LOWEST CONCENTRATION
VISITS FROM 200 COUNTRIES/TERRITORIES
UNITED STATES » 446,069
PERU » 3,032
FRANCE » 1,842
CANADA » 7,467
PHILIPPINES » 2,359
GERMANY » 1,727
CHINA » 3,447
RUSSIA » 2,002
BRAZIL » 1,717
INDIA » 3,593
UNITED KINGDOM » 1,159
References for buyers
General steps in the Kentwood buying process:
1.
Select a buyer’s agent to represent your interests.
2.
Begin your search for a new home before your existing home is under contract.
3.
Discuss your needs. Make sure your broker fully understands what type of home will best suit you.
4.
Learn all you can about the community you would like to live in.
5.
Become pre-approved with a mortgage lender, as this will make you a more attractive buyer when making an offer.
6.
Make an offer by submitting your contract through your Kentwood broker to the seller for review.
7.
Finalize an official contract through your Kentwood broker. Submit earnest money as required.
8.
Secure mortgage commitment.
9.
Make preliminary moving plans with regard to utilities, insurance policies, etc.
10.
Final inspection and closing.
About your offer The written offer you submit to a seller becomes a binding sales contract if the owner accepts it. Your Kentwood broker will ensure that your offer is complete and serves your best interests.
YOUR OFFER INCLUDES: Address and legal description of the property Price you are offering to pay for the property Terms such as “all cash” or “subject to you obtaining a mortgage for a given amount” Anticipated closing date when title will be transferred Earnest money accompanying the offer and cash-at-closing balance required, as well as the form it is in, i.e. check or promissory note Contract provisions stating which party is responsible for the title insurance, survey, property inspections and similar expenses Type of deed to be conveyed Other requirements specific to your sale. These might include special inspections, tax advice, or occasionally, attorney review, disclosure of specific environmental hazards, or other statespecific requirements A provision that the buyer may make a lastminute walk-through inspection of the property just before closing A time limit after which the offer will expire Contingencies that state the sale will only go through if certain conditions are met Common contract contingencies include the buyer obtaining specific financing from a lending institution, a satisfactory report by a home inspector, and an appraisal for at least the value of the contracted price
Information every buyer should know AS THE BUYER, YOU MAY BE RESPONSIBLE FOR THE FOLLOWING EXPENSES ASSOCIATED WITH THE PURCHASE OF YOUR HOME:
PROPERTY INSPECTION
$200 to $600 (Can vary depending upon square footage of property and number of inclusions)
LEAD PAINT INSPECTION
$250 to $300
HOMEOWNER’S INSURANCE
Varies
TITLE COMPANY REAL ESTATE CLOSING FEE
$150
DOC FEE (STATE TAX STAMPS)
$1 per $1,000 of sale price
PROPERTY TAXES
Will be a credit to you for the portion of the year that the seller owned the property
RECORDING FEE
$150-$200
SETTLEMENT COSTS ASSOCIATED WITH YOUR LENDER: LOAN ORIGINATION FEE (OPTIONAL)
$500 to $1,000
LOAN CLOSING FEE TO TITLE COMPANY
$330
PRIVATE MORTGAGE INSURANCE (PMI)
Required if loan amount is more than 80% of purchase price (discuss with lender)
UNDERWRITING FEE
$250 to $500
APPRAISAL FEE
$550 to $750 depending on the size of the home
DOCUMENT PREPARATION
$50 to $300
FLOOD CERTIFICATION FEE
$11 to $20
LENDER’S TITLE INSURANCE POLICY
$300 and up
CREDIT REPORT
$16 (varies)
HAZARD INSURANCE
Premium for one year
TAX CERTIFICATION
$25
TAX SERVICE FEE
$75 to $100
PRE-PAIDS: RESERVE FUND FOR TAX ESCROW
2 to 8 months prepaid real estate taxes (May be received as credit from seller)
PRE-PAID INTEREST
Interest on loan from closing date to end of month
HAZARD INSURANCE ESCROW
Typically three months
Your mortgage payment typically includes: PRINCIPAL The amount of money borrowed. Each month a portion of the principal is paid back. Over time, interest becomes a smaller part of the monthly mortgage payment, and more of the payment goes toward reducing the principal owed. INTEREST The cost of borrowing money, usually expressed as an annual percentage of the loan amount, for example, 4% or 6%. Principal and interest are amortized over a period of years, typically for 15 or 30 years. PROPERTY TAXES Taxes paid to a local government, usually a percentage of your property value, based on the mil levy. Your lender generally collects the taxes through your monthly payments and pays them directly to the local government. The amount of tax will vary depending upon where you live and the type of property you own. HAZARD INSURANCE An insurance policy that protects you from financial losses on your property that result from fire or other hazards. PRIVATE MORTGAGE INSURANCE (PMI) An insurance policy for down payments of less than 20% of the home price, which helps mortgage lenders recover some losses if a borrower fails to fully repay. Mortgage insurance makes it possible to buy a home with a low down payment.
Mortgage application checklist AFTER YOUR LOAN OFFICER REVIEWS YOUR APPLICATION, ADDITIONAL INFORMATION MAY BE REQUIRED
Copy of signed sales contract with all addenda and amendments attached
Your address for the past two years
The name and address of your employer for the past two years
Social Security numbers for all applicants
W2 forms for the past two years
Copies of pay stubs for the most recent 30-day period
Copies of statements for most recent two months (or most recent quarterly statement) for bank accounts, mutual funds, brokerage accounts, retirement, etc. to identify the source of your down payment and asset reserves
All pages of the statements will be required, even if blank
Most recent two years federal tax returns, including all schedules. If applicable, most recent two years corporate or partnership federal tax returns, including K1s, for all companies in which the applicant has ownership interest
Copy of canceled earnest money check, both sides, when available
Name, address, and phone number of current landlord, if applicable
Schedule of real estate
You also may be asked for information on VA loans, Certificate of Eligibility or DD-214, pending lawsuits, former bankruptcies or foreclosures, rental leases, and divorce decrees outlining child support or alimony
Name and number of the insurance agent you will be using for your homeowners insurance
A quick guide to agency terms Seller’s Agent: A seller’s agent works solely on behalf of the seller to promote the interests of the seller with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the seller. The seller’s agent must disclose to potential buyers all adverse material facts actually known by the agent about the property. A separate written listing agreement is required which sets forth the duties and obligations of the broker and the seller.
Buyer’s Agent: A buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the buyer. The buyer’s agent must disclose to potential sellers all adverse material facts actually known by the buyer’s agent, including the buyer’s financial ability to perform the terms of the transaction and, if a residential property, whether the buyer intends to occupy the property. A separate written buyer agency agreement is required which sets forth the duties and obligations of the broker and the buyer.
Transaction Broker: A transaction-broker assists the buyer or seller or both throughout a real estate transaction by performing terms of any written, fully informing the parties, presenting all offers and assisting the parties with contracts without advising, including the closing of the transaction without being an agent or advocate for any of the parties. A transaction-broker must use reasonable skill and care in the performance of any oral or written agreement, and must make the same disclosures as agents about all adverse material facts actually known by the transaction-broker concerning a property or a buyer’s financial ability to perform the terms of a transaction and, if a residential property, whether the buyer intends to occupy the property. No written agreement is required, but Colorado’s Real Estate Commission encourages one.
Customer: A customer is a party to a real estate transaction with whom the broker has no brokerage relationship because such party has not engaged or employed the broker, either as the party’s agent or as the party’s transaction-broker. The broker must treat a customer to a transaction with honesty and fair dealing.
You need expert assistance throughout your transaction
A real estate transaction can be an incredibly complex journey loaded with unexpected bumps and turns. Your Kentwood broker will guide you down the best path and through any difficulties that may come up. A Buyer Broker knows the market, and will work with you to understand your wants and needs and work in your best interest, saving you time, money, and headaches. QUESTIONS A BUYER BROKER SHOULD BE ABLE TO ANSWER What Federal and State Disclosures will a seller be required to make? Lead Based Paint Flood Zones Foreign Investment in Real Property Tax Act (FIRPTA) Agency Disclosures Environmental Hazards including asbestos or radon What financing challenges may need to be overcome? Does the seller have a pre-payment penalty and who is responsible for paying it? What happens if the appraisal comes in low? What if a loan condition stalls closing? What happens if there is a change in employment during the transaction? What are examples of title issues? Easements on the property that the buyer was unaware of at the time of the offer Encroachments over the boundary lines Liens that total more than the sales price or sellers’ proceeds Mechanics liens placed by contractors for non-payment Lis Pendens – public notice of a potential law suit that could impact title Buyer Brokers do more than unlock doors! Stunning pictures can turn into dream homes, but there’s a complex transaction to get you there.
Denver new resident information Comcast . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-934-6489 Xfinity.com CABLE TV / SATELLITE
Direct TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 888-777-2454 DirecTV.com Dish Network . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-333-3474 Dish.com
UTILITIES When opening any account, it is advisable to have at least two pieces of identification: at least one with your photo and one with proof of your new address.
POST OFFICES
CenturyLink . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 877-803-8414 (Telephone & Internet) CenturyLink.com Xcel Energy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-895-4999 (Gas & Electric) XcelEnergy.com Trash Collection, Street Maintenance and Recycling . . . . . . . . . . . . . . . . . . . . . . . . . . . . 720-913-8479 Kentwood.com/trashrecycling Water / Sewer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 303-893-2444 DenverWater.org
United States Postal Service . . . . . . . . . . . . . 800-ASK-USPS 800-275-8777 usps.com
PUBLIC SCHOOLS
Denver Public Schools . . . . . . . . . . . . . . . . . . . . 720-423-3054 dpsk12.org All School Districts . . . . . . . . . . . . . . . . . . . . . . . GreatSchools.org
DIVISION OF MOTOR VECHICLES
MARRIAGE LICENSING
HOMEOWNER’S EXEMPTIONS/ PROPERTY TAX INFO
Vehicle License Information . . . . . . . . . . . . . . Colorado.gov/dmv
Denver Clerk & Recorder . . . . . . . . . . . . . . . . . . . 7 20-865-8400 DenverGov.org/ClerkAndRecorder
Denver Assessor’s Office . . . . . . . . . . . . . . . . . Denvergov.org/assessor
Income-Federal . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-829-1040 TAXES Income-State . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 303-238-7378
Regional Transportation District . . . . . . . . . 303-299-6000 (Bus & Lightrail) RTD-Denver.com
TRANSPORTATION
AMTRAK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 800-USA-RAIL (800-872-7245) Amtrak.com Airport Information - DEN . . . . . . . . . . . . . . . . 800-247-2336 303-342-2000 FlyDenver.com
VOTER REGISTRATION
GENERAL CITY OF DENVER SERVICES
Voter Registration Information . . . . . . . . . . Kentwood.com/voterregistration
City of Denver Services . . . . . . . . . . . . . . . . . . Dial 311
FOR MORE INFORMATION, PLEASE VISIT KENTWOOD.COM/RELOCATION
Neighborhood Reference Guide EXPLORE METRO DENVER’S COMMUNITIES Colorado has many wonderful and beautiful cities that offer a wide variety of arts, culture, recreation and entertainment. Following is a list of communities that offer these unique traits.
NEIGHBORHOOD
NORTH
SOUTH EAST
WEST
ALAMO PLACITA
6th Ave
Speer Blvd
Downing St
Pennsylvania Ave
BAKER
6th Ave
Mississippi Ave
Broadway
S Platte River Dr
BALL PARK
30th St
15th St/18th St
Lawrence/Welton
S Platte River
BELCARO
Cherry Creek Dr S
Mississippi Ave
Colorado Blvd
University Blvd
BELMAR
Alameda Ave
Virginia Ave
Ouray St
Wadsworth Blvd
BERKELEY
52nd Ave
46th Ave
Federal Blvd
Sheridan Blvd
BONNIE BRAE
Exposition Ave
Mississippi Ave
S Steele St
University Blvd
BYERS
Speer Blvd
Alameda Ave
Downing St
Broadway
CAPITOL HILL
Colfax Ave
7th Ave
Downing St
Broadway
CASTLE PINES NORTH
Grigs Road
Country Club
I-25
Daniels Park Road
CASTLE PINES VILLAGE
Country Club Pkwy
Santa Fe Drive
I-25
Daniels Park Road
CHAFFEE PARK
50th Ave
38th Ave
Inca St
Tejon St
CHEESMAN PARK
Colfax Ave
6th Ave
York St
Downing St
CHERRY CREEK NORTH
6th Ave
1st Ave
Colorado Blvd
University Blvd
CHERRY CREEK SOUTH
1st Ave
Cherry Creek Dr S
Colorado Blvd
University Blvd
CHERRY HILLS
Hampden Ave
Belleview Ave
Monaco Pkwy
Clarkson St
CITY PARK
23rd Ave
Colfax Ave
Colorado Blvd
York St
CITY PARK WEST
23rd Ave
Colfax Ave
York St
Downing St
CONGRESS PARK
Colfax Ave
6th Ave
Colorado Blvd
York St
CORY-MERRILL
Missississi Ave
I-25
Colorado Blvd
University Blvd
COUNTRY CLUB
8th Ave
Alameda Ave
University Blvd
Downing St
CRESTMOOR
6th Ave
Alameda/1st Ave
Monaco Pkwy
Holly St
CURTIS PARK
Brighton Blvd/Blake St
Welton St
Downing St
20th St
DOWNTOWN
Larimer/Park Ave
Colfax Ave
Broadway
Lawrence St/Speer Blvd
FIVE POINTS
38th Ave
20th Ave/Colfax
Downing St
S Platte River D
GLENMOOR
Glenmoor Dr
Belleview Ave
Glenmoor Dr
Glenmoor Cir
GOLDEN TRIANGLE
Colfax Ave
Speer Blvd
Lincoln St
Speer Blvd
GREEN OAKS
Green Oaks Dr
Orchard Rd
University Blvd
Clarkson St
GREENWOOD VILLAGE - EAST
Belleview Ave
Orchard Rd
Dayton St
I-25
GREENWOOD VILLAGE - WEST
Belleview Ave
Orchard Rd
I-25
Clarkson St
HALE MAYFAIR
Colfax Ave
6th Ave
Holly St
Ash St
HERITAGE HILLS
C-470
Lincoln Ave
I-25
S Yosemite St
HIGHLANDS - POTTER
38th Ave
Speer Blvd
S Platte River Dr
Federal Blvd
HIGHLANDS - WEST
38th Ave
29th Ave
Federal Blvd
Sheridan Blvd
HILLTOP
8th Ave
Alameda Ave
Quebec/Monaco
Colorado Blvd
JEFFERSON PARK
Speer Blvd
Colfax Ave
S Platte River Dr
Federal Blvd
LODO/RIVERFRONT
Park Ave/Platte St
Lawrence St
S Platte River Dr/20th St
Speer Blvd
LOHI
38th Ave
23rd Ave
I-25
Federal Blvd
LOWRY
11th Ave
Alameda Ave
Dayton/Havana
Quebec/Oneida/Monaco
MAYFAIR
Colfax Ave
6th Ave
Holly St
Colorado Blvd
MEADOWS
Santa Fe Dr
Wolfensberger Rd
I-25
N Perry Park Rd
MONTCLAIR
Colfax Ave
6th Ave
Quebec St
Holly St
NORTH PARK HILL
MLK Blvd
23rd Ave
Quebec St
Colorado Blvd
NEIGHBORHOOD
NORTH
SOUTH EAST
WEST
OBSERVATORY PARK
Evans Ave
Yale Ave
Colorado Blvd
University Blvd
PINERY
Pinery Pkwy
Democrat Rd
Pinery Pkwy
Parker Rd
PINEY CREEK
Smoky Hill Rd
Orchard Rd
Buckley Rd
Parker Rd
PLATT PARK
I-25/Mississippi Ave
Evans Ave
Downing St
Broadway
PLUM CREEK
Plum Creek Pkwy
Tomah Rd
Lake Gulch Rd
I-25
POLO GROUNDS
Cherry Creek Dr S
Exposition Ave
Colorado Blvd
University Blvd
PRADERA
Raintree Cir
Carefree Trail
Cherry Creek
Crowfoot Valley Rd
PRESERVE
Belleview Ave
Orchard Rd
Colorado Blvd
Holly St
REGIS
52nd Ave
I-70
Federal Blvd
Harlan St
RINO
I-70
Park Ave
Arapahoe St
I-25
SADDLE ROCK
Smoky Hill Rd
Arapahoe Rd
E-470
Liverpool St
SLOAN’S LAKE
29th Ave
17th / 19th Ave
Federal Blvd
Sheridan Blvd
SOUTH PARK HILL
23rd Ave
Colfax Ave
Quebec St
Colorado Blvd
SOUTHMOOR PARK
Hampden Ave
Belleview Ave
Yosemite St
Happy Canyon Rd
STAPLETON
I-70
Montview Blvd
Havana St
Quebec St
STONEGATE
E-470
Stonegate Pkwy
Jordan Rd
Chambers Rd
SUNNYSIDE
I-70
38th Ave
Inca St
Federal Blvd
TALLGRASS
Hampden Ave
Quincy Ave
Picadilly Rd
Liverpool St
TALLYN’S REACH
Smoky Hill Rd
County Line Rd
Powhaton Rd
E-470
UNIVERSITY HILLS
I-25
Hampden Ave
I-25
Colorado Blvd
UPTOWN
23rd/ 26th/ Welton
Colfax Ave
Downing St/York St
Broadway
VIRGINIA VILLAGE
Mississippi Ave
Evans Ave
Cherry Creek Dr S
S Colorado Blvd/Quebec
WASH PARK - EAST
Alameda Ave
I-25
University Blvd
Downing St
WASH PARK - WEST
Alameda Ave
I-25 / Mississippi Ave
Broadway
Downing St
WASHINGTON - VIRGINIA VALE
Alameda Ave
Cherry Creek N
Quebec St
Colorado Blvd
WELLSHIRE / SOUTHERN HILLS
Yale Ave
Hampden Ave
University Blvd
Colorado Blvd
WHITTIER
MLK Blvd
23rd Ave
York St
Downing St
WILLOW CREEK
Dry Creek Rd
County Line Rd
Yosemite St
Quebec St
Denver neighborhoods and metro area cites
Regis
Globeville
Chaffee Park
NE
Northfield Elyria Swansea
DENVER
I-70
NW
Berkeley
Sunnyside
RiNo I-25
DENVER
West Highland
Clayton
Whittier
Skyland
North Park Hill
North Capitol Hill
City Park West
City Park
South Park Hill
Capitol Hill
Cheesman Park
Five Points Lower Downtown
Jefferson Park
Auraria
Downtown
West Colfax Sun Valley
Lincoln Park
Alamo Placita
West Barnum
SW
Barnum
Baker
Athmar Park
Mar Lee
Ruby Hill
DENVER
Wash Park West
Bear Valley
Wash Park
Congress Park
Cherry Creek
Bonnie Brae
Mayfair
Hilltop
Montclair
Crestmoor
Lowry
Virginia Vale
Belcaro
Windsor
Cory Merrill Overland
College View
Country Club
Speer
Valverde
Westwood
Harvey Park
East Colfax
Golden Triangle
Villa Park
Virginia Village
Platt Park
Indian Creek
Observatory Park
South Platte University
Rosedale
SE
DENVER
Goldsmith
University Park Slavens
Harvey Park South
Wellshire
University Hills
Hampden
Southmoor Park
Fort Logan
Marston
I-225
Stapleton
Curtis Park
LoHi
Sloan’s Lake
Northeast Park Hill
Cole
Highland
Kennedy
I-225
Hampden South
PIERCE
1 287
25
14
FORT COLLINS
AULT
257 287 LUCERNE
392 WINDSOR
GREELEY
LOVELAND
263
34
TO ESTES PARK
402
257
KERSEY
60 60 BERTHOUD
JOHNSTOWN
56
36 MEAD PLATTEVILLE
LYONS
66 7
LONGMONT
FIRESTONE
119 KEENESBERG
52 HUDSON
BOULDER
287
ERIE
25
7
119
76
85 LAFAYETTE
BRIGHTON
LOUISVILLE
36 93
NORTHGLENN BROOMFIELD THORNTON
E-470
76 WESTMINSTER
DIA
270
ARVADA
GOLDEN
70
WHEAT RIDGE
70
DENVERCHERRY CREEK
6
AURORA
225
LAKEWOOD
GENESEE
MORRISON
ENGLEWOOD
THE VILLAGES
E-470
EVERGREEN LITTLETON
285
CENTENNIAL
470
LONE TREE
DEER CREEK CANYON
HIGHLANDS RANCH PARKER
CONIFER LARKSPUR
85
25 ELIZABETH
CASTLE PINES SEDALIA
83 CASTLE ROCK
67 105
TO COLORADO SPRINGS
86
All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Kentwood Real Estate shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.