BUY WITH CONFIDENCE 1
5
A Trusted Brand
19
Buying with Audra
31
References for Buyers
43
Neighborhood Reference Guide
2
3
AT K E N T W O O D R E A L E S TAT E W E B E L I E V E I N C O M M U N I T Y. T H AT W E AC C O M P L I S H MORE TOGETHER. T H AT D E E P R O OT S M AT T E R . WE INSPIRE PEOPLE TO IMAGINE THE NEXT STEPS I N T H E I R L I F E J O U R N E Y.
4
A Trusted Brand
5
Founded in 1981 by five renowned Metro Denver real estate brokers, Kentwood Real Estate celebrated 42 years of excellence in 2023. The original office was headquartered in the Denver Tech Center, where operations continue today. Over the years, key milestones for Kentwood Real Estate include the launch of a Cherry Creek office in 1998 and a Lower Downtown office, Kentwood City Properties, in 1999. In 2018 a Northern Colorado office was formed in Fort Collins. Kentwood Commercial, Denver Rental, Prosperity Home Mortgage, HomeServices Insurance and American Home Shield round out our full service company. Kentwood Real Estate is a local brand that punches above its weight. With the reach of national and global affiliations and the strength of our highly experienced Kentwood brokers, you can trust that your real estate goals will be fulfilled. It’s time to take the next steps in your life journey.
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Kentwood Core Services
Leader amongst elite-performing brokerages Regarded as Colorado’s most respected real estate company, strengthened by four decades in the community, Kentwood provides the highest quality service and trustworthiness, producing matchless results across all our services. And while Kentwood is proudly rooted in Colorado, we affiliate with only the best nationally. Our parent company, HomeServices of America, a Berkshire Hathaway Affiliate, was recognized as the largest brokerage by transaction sides in the U.S. on the 2021 REAL Trends 500 list.
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2023 Kentwood Totals
$2,022,219,967 2023 CLOSED SALES VOLUME
43
11
years in business
consecutive years with total sales over $2 billion
250+ 8
top producing agents
2,160
2023 CLOSED SALES TRANSACTIONS
20+
5
average years of experience per agent
strategically located offices
170+
charitable causes supported
Share of Voice Share of Voice, in public relations, is defined as
January 1, 2022-December 31, 2022 and
the percentage of all online news and broadcast
illustrates Kentwood Real Estate’s commitment
content about a company or brand, compared
to being the real estate thought leader in the
to that of its competitors, over a specified
Colorado market.
time period. This graph analyzes the volume of Kentwood and competitor coverage between
Note: SOV should not include paid placement and advertising in the measurement.
927 Kentwood EARNED MEDIA COVERAGE MARKET WIDE
40.4%
LIV SOTHEBY’S 26.6% | COMPASS 18.8% | KELLER WILLIAMS 8.2% COLDWELL BANKER 3.5% | C3 REAL ESTATE SOLUTIONS 0.8% PORCHLIGHT 1.3% | CORCORAN PERRY & COMPANY 0.4%
EDITORIAL STORY MENTIONS
14.29 Million IMPRESSIONS LOCALLY & NATIONALLY
$1.43M PUBLICITY VALUE
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Buying with Audra
10
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Introducing Audra Dubler Objective Proactive, high-energy and customer oriented REALTOR® that brings Fortune 500 sales training & negotiating skills from corporate pharmaceuticals into your real estate transactions. Currently ranked in the top 5% of all Colorado REALTORS® and with multiple notable awards. My goal and passion is to find YOU the perfect home and to become your REALTOR® for life!
Experience
Education
Designations
PROFESSIONAL REALTOR®
BACHELOR OF SCIENCE
Kentwood Real Estate March 2023 - Present | Denver, CO
Colorado State University Class of 1998, Fort Collins, CO
Relocation Specialist & Certified Listing Professional
PROFESSIONAL REALTOR®
Personal Achievments
Associations
Ironman Finisher 2002, Florida Ironman, Panama City Florida - Top 1/3 of all finishers
Realtor® DMAR, NAR
Your Castle Real Estate, Inc. Nov. 2013 - March 2023 | Denver, CO
SENIOR DISTRIC SALES MANAGER Watson Pharma, Inc. June 2006-April 2012 | Portland, OR
Professional Achievements PHARMACEUTICALS
REAL ESTATE
• Achieved Champions Club 1999 & 2000. Ranked #1/250 representatives
• Rookie of the Year, 2014
• Rookie of the Year 1999 & consistently ranked in top 20% 1999-2006 • Promoted to Sales Management 2006
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• Promoted to Your Castle Real Estate for sales performance • Top 10% of all Colorado REALTORS® 2014-2016, Top 5% 2017-Present • Nominated for “Rising Star in Denver Metro Real Estate” 5280 Magazine 2015-2017
• Gold Award Winner for YCRE in 2017 • Platinum Award Winner for YCRE 2018 & 2019 • President’s Club Winner for YCRE 2020 • 5280 Magazine Top Real Estate Producer List for 2019 - March Edition 2020
A Broker’s Responsibilities Audra 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 Recommend lenders for pre-approval to help determine a realistic price range, strengthen your offer and lead to a faster closing
RESPONSIVENESS Act in good faith at all times Adhere to your instructions Return calls, texts and emails promptly Closely track dates and deadlines
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
ACCOUNTING Receive and remit earnest money deposits Receive and deliver all documents in a timely manner Review final settlement statements
Structure and prepare your offer, 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
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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
The Home Buying Process T H I S F LO W C H A R T S H O W S H O W T H E H O M E B U Y I N G P R O C E S S W O R KS
Start Get Pre-approval for Financing/ Begin the Lending Process
Start an Online Search
View Properties in Person
Write Offer & Negotiate on Your Behalf
Get Offer Accepted
Inspection
Lender Orders Appraisal
Earnest Money is Due
Negotiate Any Major Issues
Title Search
Receive H.O.A./Due Diligence Docs
Select Homeowners Insurance
I.L.C. or Survey
Underwriting
Loan Commitment
Closing
Move In
Housewarming Party! 15
The People Involved and How Communication Takes Place Buyer
Buyer’s Agent
Lender
Listing Agent
Seller
Title Company
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
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What is Wire Fraud? Wire fraud is committed in order to defraud another person out of money or something else of value and is on the rise due to the high use of email and the internet for transactional and banking services.
HOW TO AVOID REAL ESTATE WIRE FRAUD
Stay aware of your communications and double check all email addresses you’re communicating with. Hackers who use spoof email accounts will switch around one or two letters of your Realtor®, Lender or title closer’s actual email address. Before responding to emails that seem a little off, have grammatical errors, or a false sense of urgency, double check the email address closely.
Use a reputable title company and either visit the title company in person or call the number listed on their website, do not use a phone number at the end of an email signature. When you’re ready for the closing, you can physically bring a cashier’s check into the title company or call the title company’s main line to clarify you have the correct wiring instructions.
Understand your Realtor’s means of communication. Your Realtor® will not suddenly begin to contact you in a new and different manner. The email address will not change toward the end of a transaction. You’ll also want to know how other parties involved will be communicating with you. Title companies and lenders should only be sending sensitive information via encrypted emails.
On the day of the wire transfer, don’t hesitate to pick up the phone and call the recipient to verify wiring instructions. Use the phone number you’ve been using throughout the process or call the title company or lender’s main line. Don’t use a phone number at the end of an email. Do not react to a suddenly urgent request – this is a red flag for fraud.
Always use strong passwords and ensure your agent is doing the same. It also wouldn’t hurt to change your password a few times throughout the transaction, or before a wire is sent. Finally, request your agent use a company email account, and not a free service such as Gmail, yahoo or Hotmail. You and your agent will be better protected by the use of a company email account.
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Your Digital Reach
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All Denver Metro, Northern Colorado, and
Alerts” feature, you can save searches, share
Colorado Springs listings can be viewed 24/7 on
properties, and automatically keep your Kentwood
the continually updated Kentwood.com. Kentwood
Realtor up to date with what you like. You can
has deployed cutting-edge technology in order
also create an account by using your Facebook
to give you the most robust search tools, and
or Google login information. The cornerstone
information about brokers, home buyer resources,
of Kentwood.com is our Advanced Interactive
and market data. Get to know metro Denver and
Mapping (AIM) feature which provides a unique
Northern Colorado by browsing through our in-
map-based property search that allows you to
depth community profiles. With our “Property
search for just the right home and neighborhood.
Real time, dynamic search functionality
Kentwood.com has all the tools you need for productive property searches
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 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
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References for Buyers
20
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 state-specific 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
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Information Every Buyer Should Know AS THE BUYER, YOU MAY BE RESPONSIBLE FOR THE FOLLOWING EXPENSES ASSOCIATED WITH THE PURCHASE OF YOUR HOME:
OUT OF POCKET ITEMS EARNEST MONEY
Varies, 1-1.5% of Purchase Price (Credited to you at closing)
KENTWOOD TRANSACTION FEE
$295
GENERAL INSPECTION COSTS
$350-$950
LENDER APPRAISAL
Varies, $600-$750 (Order after inspection)
ITEMS PAID AT CLOSING DOWN PAYMENT
Varies, Talk to Your Mortgage Broker
TITLE FEES
Closing Fees Per the Contract
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
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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 mill 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.
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A Quick Guide to Agency Terms SELLER’S AGENT
TRANSACTION-BROKER
A seller’s agent works solely on behalf of the seller
A transaction-broker assists the buyer or seller
to promote the interests of the seller with the
or both throughout a real estate transaction by
utmost good faith, loyalty and fidelity. The agent
performing terms of any written, fully informing
negotiates on behalf of and acts as an advocate
the parties, presenting all offers and assisting
for the seller. The seller’s agent must disclose
the parties with contracts without advising,
to potential buyers all adverse material facts
including the closing of the transaction without
actually known by the agent about the property.
being an agent or advocate for any of the parties.
A separate written listing agreement is required
A transaction-broker must use reasonable
which sets forth the duties and obligations of the
skill and care in the performance of any oral or
broker and the seller.
written agreement, and must make the same disclosures as agents about all adverse material
BUYER’S AGENT
facts actually known by the transaction-broker
A buyer’s agent works solely on behalf of the
concerning a property or a buyer’s financial
buyer to promote the interests of the buyer with
ability to perform the terms of a transaction
the utmost good faith, loyalty and fidelity. The
and, if a residential property, whether the buyer
agent negotiates on behalf of and acts as an
intends to occupy the property. No written
advocate for the buyer. The buyer’s agent must
agreement is required, but Colorado’s Real Estate
disclose to potential sellers all adverse material
Commission encourages one.
facts actually known by the buyer’s agent, including the buyer’s financial ability to perform
CUSTOMER
the terms of the transaction and, if a residential
A customer is a party to a real estate transaction
property, whether the buyer intends to occupy
with whom the broker has no brokerage
the property. A separate written buyer agency
relationship because such party has not engaged
agreement is required which sets forth the duties
or employed the broker, either as the party’s
and obligations of the broker and the buyer.
agent or as the party’s transaction-broker. The broker must treat a customer to a transaction with honesty and fair dealing.
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Neighborhood Reference Guide
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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.
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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
S Steele St
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
CENTRAL PARK
I-70
Montview Blvd
Havana St
Quebec St
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
Mississippi 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
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
28
29
NEIGHBORHOOD
NORTH
SOUTH
EAST
WEST
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
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
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
Yale
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 Cities
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
Highland
Five Points Lower Downtown
Jefferson Park
Auraria
Downtown
West Colfax Lincoln Park
Villa 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
Sun Valley
I-225
Central Park
Curtis Park
LoHi
Sloan’s Lake
Northeast Park Hill
Cole
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
Kennedy
I-225
Hampden South
Marston
30
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
31
86
Lend Local. Prosper Local. Prosperity Home Mortgage, LLC, is a full service mortgage banker specializing in residential and refinance loans, offering superior mortgage services to Kentwood clients. We offer a wide range of mortgage products and we have built a strong reputation for extraordinary service and professionalism. From application to closing, we pride ourselves on delivering a positive home financing experience every step of the way.
WE PROVIDE A VARIETY OF HOME FINANCING OPTIONS FOR KENTWOOD CLIENTS INCLUDING Conventional loans Down payment assistance/bond options
Home equity lines of credit Investor loan programs
FHA & VA loans
Jumbo loans
Fixed rate & adjustable rate mortgages
Non-warrantable condos
Guaranteed rural housing loans
Renovation loans
This list is only to be used as a guide and does not include all loan types or loan features. Not all loan types are available to all borrowers. Borrowers will be subject to qualification and must satisfy all underwriting requirements and conditions. Not all borrowers will qualify. Speak with your mortgage consultant and carefully consider each of your home financing options so you can determine the home loan that is right for you.
MICHAEL TAPP
SCOTT MOORE
Mortgage Consultant Prosperity Home Mortgage 720.937.0452 Michael.Tapp@PHMLoans.com
Loan & Production Manager Prodigy Home Loans 303.931.3332
All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance. Licensed by the Delaware State Bank Commissioner. Also licensed in AL, AR, AZ, CA, CO, CT, DC, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY. NMLS #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) ©2019 Prosperity Home Mortgage, LLC. All Rights Reserved.
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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.
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