BRING YOUR DREAMS INTO FOCUS OUR GUIDE TO MAKING REAL ESTATE A REALITY FORT COLLINS. LOVELAND. WINDSOR JOHNSTOWN. GREELEY. BRECKENRIDGE 970.380.4163 | www.travisannameier.com
1 10
DEADLINECLIENT
• Specific carpeting, paint, exterior color • Pool • Jacuzzi • Hardwood floors, tile, carpet • Bay windows • Built-in entertainment center • Brass lighting fixtures • Skylights • A pretty view • Adequate square footage for comfortable living • Sufficient bedrooms for your family • Sufficient bathrooms • Comfortable eat-in kitchen • Yard size • Location WANTSNEEDS
In your journal, include a list of “needs vs. wants” in a new home. This doesn’t mean you can’t have what you want in your home, but rather that you have a priority list of the most important features. You may not be able to obtain all the “want” items on your list within your budget. You may have to compromise on a few items to stay in line with your budget. Here is a review of “wants vs. needs”:
PURCHASE PROCESS & WANTS VS. NEEDS InterviewBuyer START Loan Pre-qualification View Property Earnest $_______________MoneyCounter-Offer HomeInspectionAcceptedInsurance Walk Through Home Warranty Bring to Closing Goods Funds Transfer Utilities Driver’s License Yes / No Closing Date Resolution:Deadline: Location:Time:Date: MANAGE Title Deadline: Resolution: Survey Deadline: Resolution: Appraisal Deadline: Resolution: Loan Conditions Deadline:Date:Resolution:Deadline: ESCROW OFFER CLOSING Denied POSSESSION Pre-qualification LetterCMA $_____________Sell
There is a lot to consider when buying a home. You want to make sure that you get the best house for you. Choosing the right home, the right neighborhood, the right layout—it can become overwhelming. It doesn’t have to be if you journal your thoughts and think about what are the most important factors you want in your new home.
Feel free to use the worksheet below to brainstorm on what are the most important things to have in your new home. This can be a great exercise to help you organize. You can even give a copy of this form to us to help us find the BEST home for you!
Location AgeStyle Living Area Square Footage # Bedrooms # Baths Eat-in
ITEM NEED WANT Kitchen
PERSONAL CHECKLIST
Living Room Family Den/OfficeRoom SpaPoolGarage Gated RecreationalWaterfrontCommunityAccessFacilities Other____________________Other____________________Other____________________Other____________________Other____________________Other____________________Other____________________
2. Beat your competition to the best listings. Staying on top of market trends is vital when you’re looking for a home. Like any other home buyer, you want the best home at the best price possible. Of course, these are the homes that never stick around for too long so you’ll need to make every effort to keep yourself aware of the latest and best listings. Seeking the assistance of a professional Buyer Specialist will help you stay wellinformed and updated on a regular basis.
7. Don’t do it alone. With an ever changing market, today’s home buyers will find it very difficult to go through the buying process on their own. Having an experienced Buyer Specialist who can keep your best interests in mind makes a significant impact when buying a home and maximizing your investments.
We offer the following tips to buyers to aid in a successful real estate transaction. If you have any other questions, or would like additional advice and information, please feel free to contact us.
SUCCESSFUL BUYER TIPS
1. Become a pre-approved buyer. As a pre-approved buyer, you have better leverage when it comes to negotiating with the seller. The pre-approval process is simple and will help show sellers that you are a serious buyer.
4. Prove that you are a serious buyer. There are many different ways to prove to the seller that you are sincerely interested in buying their home. One way is by getting pre-approved which will later give you the edge in an offer situation. An even better way to accomplish this is to put down a larger payment to catch the attention of the seller.
5. Don’t settle too fast. Buying a home might be one of the largest investments of your lifetime. Because of this, your primary goal should be to make sure that you get the best deal possible for the home you are interested in. A Buyer Specialist can help you make a sound decision when it comes to making an offer.
3. Research market trends in your area of interest. Familiarizing yourself with the area that you are interested in will help you get a better idea of what homes are selling for as well as how long they are typically on the market. Be sure to investigate price ranges for the type of home you want. Having the help of a Buyer Specialist is a serious advantage when it comes time to make an offer.
6. Keep your offer simple. The purchase contract should be kept simple and without any unnecessary conditions, especially repairs. A seller will be more interested in an offer that is not going to be slowed down or delayed by things that do not severely affect the value of the home.
FARM & RANCHLUXURY HOME REAL ESTATE RESIDENTIAL MANAGEMENTPROPERTY REAL ESTATE COMMERCIAL 970.225.5152 www.mycolohome.com LENDING LL C N Wa y LENDING LENDING LL C N Wa y TITLE
ALL KITCHEN APPLIANCES cleaned inside and out, outside surface polished to shine.
ACCESSIBLE WINDOW SILLS AND TRACKS cleaned for dirt and debris.
CABINET DOORS (front/back), drawers cleaned inside and out. COUNTERTOPS AND SINKS disinfected, cleaned and polished.
DOORS (both sides) dusted as well as door jams & baseboards. SWITCH PLATE AND OUTLET COVERS sanitized, dirt and smudges removed.
PATIO DOORS AND ENTRYWAY GLASS washed inside and out.
STAIR RAILINGS AND HAND RAILS checked and cleaned.
LAUNDRY APPLIANCES wiped down. Laundry room and/or utility area generally cleaned/mopped.
FLOORS: carpeted floors and stairs vacuumed. Hard surfaces mopped or hand scrubbed/mopped as appropriate.
FRONT DOOR AREA: dust and clean smudges and fingerprints from the door (front and back). Remove cobwebs by high dusting exterior lights and general cleaning of front entrance including glass (as accessible).
HIGH DUSTING of ceilings, ceiling fans, walls and shelving dusted or hand washed as needed. Light fixtures removed (if possible) and cleaned for debris.
WHAT WE OFFER • Free consultation • Servicing Larimer and Weld Counties, specific to Loveland, Ft Collins, Windsor and Greeley Outlying areas are offered as schedule permits and trip fees may • One time, deep cleans • Residential and commercial/ office cleaning • Bi-weekly, monthly, & semimonthly maintenance cleaning • Move in/out cleanings for real estate and property management • Prepare to be Show Home Ready Desireé Landt, Owner 970-397-7932 abetterdaycandc@gmail.comMobile
ALL BATHROOMS deep cleaned including mirrors, glass, light fixtures, toilet, bathtub, and shower. All disinfected and/or cleaned. Plumbing fixtures scrubbed, sanitized and polished.
There are also a few things that you can do to improve your chances of getting the loan approved:
2. Qualification. Before you apply for a loan, getting qualified will help you establish how much you can borrow. When purchasing a home, there are two options one may choose from to qualify for a loan. The first option, pre-qualification, is a quick process that usually happens in a matter of minutes. While pre-qualification is helpful, your other option—preapproval—is more beneficial and gives you better leverage when negotiating with the seller. Getting pre-approved also lets you focus on homes within your price range instead of wasting time looking at homes that you won’t be able to afford. Finally, when it comes time to close, the process will go rather quickly since your loan has already been approved.
• Do not make any major purchases such as a car or new furniture until the loan is closed. Increasing your debt can have the opposite effect on your application.
• Make sure you will be in town for the closing date. If you cannot be there for the closing of the loan, you can carry out a power of attorney to authorize someone to sign on your behalf.
5. Close the Loan. Once the loan is approved, your next step will be to sign the final loan documents, which usually takes place in the presence of a notary public. Be sure to verify the information within the document, especially the interest rate and loan terms. Also check to see if your name and address are correct. Finally, don’t forget to bring a cashier’s check for your down payment and closing costs.
3. Find the Right Loan Program. While searching for the right loan program, there are many things to take into consideration. For example, you might want to think about how long you plan on keeping the loan. The length of your residence will determine the type of loan you want to get (i.e. adjustable or fixed). To figure out which loan program is the best, one will need to compare different programs and everything that each one involves such as rates, fees, and points. The whole process can be tedious and difficult at times, which is why a qualified loan officer can help you make the right decision.
GETTING A MORTGAGE
When it comes to the loan process, there are several steps that one must go through. By making yourself familiar with it, you will better understand what is required of you and how you need to prepare. After all, the more knowledgeable you become the more comfortable and in control you will feel.
4. Obtain Loan Approval. The process of obtaining loan approval involves the following steps:
• For any requests of additional documents and information, respond promptly.
1. Organize Your Documents. In order to obtain a mortgage, your lender will require certain documentation from you to make sure that you will have the ability to repay the loan you take out. Such documentation includes proof of employment, credit history, tax returns, pay stubs, bank statements, divorce and child support statements if applicable, and any other information that the lending company feels might be necessary.
• Review of loan application (be sure to fill it out completely).
• Verification of credit history, employment history, assets such as bank accounts and mutual funds,property value and any additional information that the lender might require
Scott Peterson
Elevations Credit Union (Boulder County Based) 303-402-5456 sara.ibarra@elevationscu.comcell
| RELIABLE
LENDING LL C N Wa y
Senior Mortgage Loan Officer NMLS# jim@nuwaylending.com152579
Sara Ibarra
Dexter Finley
Joe Whitlock
Universal Lending 702-281-5928 jwhitlock@ulc.comcell
970-231-6856 cell
RECOMMENDED MORTGAGE LENDERS EXPERIENCED
LOCAL |
First Western Trust 970-222-9283 scott.peterson@myfw.comcell
Jim Bailey
Elevations Credit Union (Northern Colorado Based) 970-488-0996 cell dexter.finley@elevationscu.com
Pillar to Post https://fortcollins.pillartopost.comDan.Devries@pillartopost.com 970-372-8052 phone
www.sitelogicinspections.com 970-797-3387
Foothills Home Inspections 970-567-8180 phone 970-821-6627
Daniel Johnson
foothillshomeinspect@gmail.comfoothillshomeinspections.comtext
Joe Anderson
Janderson@sitelogicinspections.comphone
RECOMMENDED HOME INSPECTORS
Sitelogic Home Inspections
Dan DeVries
EXODUS Moving & Storage 970-484-1488 office www.exodusmoving.com
Luke Stromquist
Country Financial luke.stromquist@countryfinancial.com www.shelterinsurance.com/genewelch 970-493-0045 office
RECOMMENDED INSURANCE PROVIDERS & MOVING COMPANIES
Billy Goat Moving & Storage 970-541-9121 office www.billygoatmoving.com
Thrivent Financial
Christina Siska Account Manager American Home Shield 303.589.6163 christina.siska@ahs.comphone
First American Home Warranty 970.404.5099 phone 800.444.9030 phone applications karenson@firstam.com
Email: mecrouch@firstam.com
Neil Reinhardt Financial Advisor 970-484-0618 office neil.reinhardt@edwardjones.com2001S.ShieldsBuildingLFortCollins,CO80526
Kyle Arenson Area Manager Colorado/Wyoming
RECOMMENDED HOME WARRANTY, SECURITY & FINANCIAL ADVISORSClintJasperson
I help people be wise with money and live clint.jasperson@thrivent.comgenerously. 970-330-7411 office 970-330-7424 fax 307-421-7368 cell 355 Eastman Park Dr, Ste 201 Windsor, CO 80550
Recommended Professionals Disclaimer: The decision of the specific professionals you use is yours to make, you are not limited to these names, you may hire any professional of your choice. We cannot guarantee the outcome or level of service provided. We have not performed any investigation or confirmation of the competency or expertise of these providers. You need to be comfortable with the service provider you select.
www.firstamrealestate.com
Mobile 970.404.5099
Phone Applications: 800.444.9030 Fax Applications: 800.772.1151 Service Department: 800.992.3400
Melissa Crouch Area Manager
Contact voter registration and advise of move
AT YOUR NEW ADDRESS
Explore new neighborhood!
Contact credit card companies, banks, magazine subscriptions, etc. to inform them of new address
Call utilities, phone, and cable with shut off date(s) and leave forwarding address
Close out bank accounts and transfer savings. Leave forwarding address
BEFORE YOU MOVE
Register to vote; find out location of new precinct
Write down mailbox number/location and garage key pad code if applicable
Discontinue paper delivery and trash pick-up
Return library books and turn in cards
Obtain cashiers check for down payment/closing costs on new home
Complete “change of address” card at Post Office. Advise magazines of changes
Be certain to bring a picture ID to closing. A driver’s license or passport will be required for identification. Request a relocation package from your REALTOR® or the city’s Chamber of Commerce.
Arrange for utilities, phone, and cable
Set up mail delivery or box number for “community mail boxes”
Cancel Milk and any home deliveries
Change driver’s license address and register vehicle(s) if necessary
Arrange for trash pick-up, milk, and home delivers
Obtain pet records for Vet
REMINDERS WHEN MOVING
Pick up laundry and dry cleaning
Get medical, dental, school, birth, and church records
Contact stock brokers and insurance companies/agents
Get prescriptions refilled
Take your old phone book to new home
Place warranties and instruction booklets in kitchen drawer for your new buyer
Chamber of Commerce-Loveland 5400970-667-6311StoneCreek Circle Loveland, CO www.loveland.org80538
www.atmosenergy.com1-888-442-1313
City of Fort Collins (Water, Sewer, Electric) www.fcgov.comFort300970-212-2900LaporteAvenueCollins,CO80521
FLEX www.flexnoco.com
Century Link (Telephone) www.centurylink.com800-350-9720
Colorado State Patrol www.csp.state.co.us970-484-4037
HELPFUL NUMBERS
East Larimer County Water District (ELCO) (Water) Fort232970-493-2044S.LinkLaneCollins,CO www.elcowater.org80522
City of Greeley (Water, Sewer, Storm) 1000970-350-972910thStreet Greeley, CO 80634 www.greeleygov.com
Little Thompson Water District (Water) 970-532-2096 835 E. HWY 56 Berthoud, CO 80513 www.ltwd.org
Loveland Police (Non-Emergency) www.ci.loveland.co.us970-667-2151
Loveland Daily Reporter Herald (Newspaper) www.lovelandfyi.com970-669-5050
AT&T Broadband (Windsor cable) 3737970-351-0669W.10th Greeley, CO 80634 www.att.com
Comcast Cable 1201888-824-4010University Avenue Fort Collins, CO www.comcast.com80521
City of Evans (Water) 970-339-5344 1100 37th Evans,StreetCO www.cityofevans.org80620
City of Milliken (Water, sewer) www.millikenco.gov/waterwastewater-department970-587-4331
Fort Collins/Loveland Water District (Water) www.fclwd.comFort5150970-226-3104SneadDriveCollins,CO80525
Central Weld County Water District 2235970-352-12842ndAvenue Greeley, CO 80631 www.cwcwd.com
City of Loveland (Water, Sewer, Electric, Trash) 970-962-2111; 970-962-2000 503 N Lincoln Avenue Loveland, CO www.ci.loveland.co.us80537
City of Platteville www.plattevillegov.org970-785-2245
COLT (City of Loveland Transit) 970-962-2700 www.cityofloveland.org
Larimer Sheriff (Information) www.co.larimer.co.us/sheriff970-498-5100
Loveland Parks & Recreation www.ci.loveland.co.us970-962-2386
Denver Post www.denverpost.com303-832-3232
City of Milliken (Cable) www.millikenco.gov800-480-7020
Greeley Schools 1025970-348-6000NinthAvenue Greeley, CO 80631 www.greeleyschools.org
Humane Society-Weld (Animal Control) www.weldcountyhumane.orgEvans,1620970-506-955042ndStreetCO80620
Boxelder Sanitation (Sewer) 3201P.O.970-498-0604Box1518E.Mulberry, Unit Q Fort Collins, CO www.boxeldersanitation.com80524
Atmos Energy
Chamber of Commerce-Fort Collins Fort225970-482-3746SMeldrumCollins,CO www.fortcollinschamber.com80521
Fort Collins Coloradoan (Newspaper) www.coloradoan.com970-224-7777
Humane Society-Larimer (Animal Control) www.larimerhumane.org970-226-3647
South Fort Collins Sanitation District (Sewer) 2560970-226-2484ECounty Road 32 Fort Collins, CO 80528 www.fclwd.com
McKee Medical Center (Hospital) www.bannerhealth.com970-669-4640
Super Shuttle www.supershuttle.com970-482-0505
Town of Severance (Water) www.townofseverance.org970-686-1218
North Weld County Water District (Water) www.nwcwd.org970-356-3020
Loveland Public Library www.ci.loveland.co.us970-962-2665
Johnstown,101970-587-4664CharlotteCO www.townofjohnstown.com80534
West Fort Collins Water (Water) Laporte,PO970-484-4881Box426CO8053
Shamrock Taxi 970-667-6767
FortPO970-226-1234Box277550Collins,CO 80527 www.pvrea.com Qwest (Phone) www.quest.com800-244-1111
Poudre Valley Rural Electric (REA) (Electric)
N. CO Water Conservancy District (Water) www.ncwcd.orgBerthoud,220970-523-7700WaterAvenueCO80513
Thompson School District www.thompson.k12.co.us970-669-3940
Town of Berthoud (Water) www.berthoud.org970-532-2643
Town of Johnstown (Water, Sewer, Trash)
Poudre School District www.psd.k12.co.usFort2407970-483-7420LaPorteAvenueCollins,CO80521
Source Gas (Gas) www.sourcegas.com800-563-0012
Town of Pierce (Water, Sewer, Drainage, Trash) Pierce,240970-834-2851E.MaiNCO80650
Transfort (Bus System) Fort250970-221-6620NMasonCollins,CO, www.fcgov.com/transfort80524
US Post Office-Fort Collins 970-225-4100 - 301 E Boardwalk 800-275-8777 - 301 S Howes Street 970-282-8003 - 2601 S Lemay 970-225-0733Avenue - 1119 W Drake www.usps.comRoad
US Post Office-Loveland 446970-663-3010East29th Street Loveland, CO www.usps.com80538
Town of Windsor (Sewer, Water) www.ci.windsor.co.usWindsor,301970-686-7476WalnutStreetCO80550
Town of Wellington (Water) www.townofwellington.com970-568-3381
Xcel Energy (Gas, Electric) www.xcelenergy.com800-895-4999
Town of Eaton (Water, Sewer) www.eatonco.orgEaton,223970-454-33381stStreetCO80615
HELPFUL NUMBERS
Seeking Sitters www.SeekingSitters.com970-443-5444
Town of Estes Park (Water, Electric) 970-586-5331 170 McGregor Ave Estes Park, CO www.estesnet.com80517
Rocky Mountain News www.rockymountainnews.com970-667-3416
Weld RE-4 School District (Windsor) www.weldre4.k12.co.usWindsor,1020970-686-8000MainStreetCO80550
Information is deemed reliable, but not guaranteed. © 2021 C3 Real Estate Solutions, LLC. Because of our work ethic, past clients, friends, and family, we have earned numerous individual recognitions such as Rookie of the Year, Best in the Business, Best in the Nation, Top Producer, Platinum Service, 2014 Style Magazine Best of Fort Collins and many more. Together, we offer world-class service with unparalleled results! Thank you for allowing us the opportunity to serve you. LineCountyLineCountyHORSESHOELAKE LOVELANDLAKE BOYDLAKE W Prospect Road Carpenter Road Main Street W Eisenhower Blvd W Eisenhower Blvd Crossroads Blvd. E 1st StreetW 1st St. 14th Street W 10th Street 37th Street W 28th Street W 20th Street W O Street E Horsetooth RoadEHarmony Road E Mulberry Street AvenueCollegeSAvenueCollegeSStreetShieldsSTaftAvenue AvenueGarfield Ave.MadisonStreet1stNAveLincolnNSLincolnAvenue Avenue83rd Avenue77th Avenue65th Ave59th Avenue35th AvenueTaftS AvenueLakeBoydRoadHillTaftSNWilsonAvenue E Mulberry Street 257 257 392 60 8787 85 85 87 34 40234 3434 34 34 287 Avenue11th AveLincolnN FORTBERTHOUDLOVELANDCOLLINS LAPORTE EATON JOHNSTOWN MILLIKEN EVANS WINDSOR GREELEY HORSETOOTHRESERVOIR FOSSILRESERVOIRCREEK WINDSORLAKE Thousands Of Sellers Throughout Colorado Have Hired Us For Our Marketing! N Promenade Shops @ BudweiserCenterraEventCenter Travis Annameier Broker www.travisannameier.comtravis@c3-re.com970-380-4163Associate
