Berenice Bejarano Sell 2017

WITW H I TCHO CNOFNI FDI D E ENNCCEE E V E REYV ESRTYE SPT EOPF O TF HT EH EWWAAYY

BERENICE BEJARANO KENTWOOD REAL ESTATE CHERRY CREEK

WE ARE DENVER K E N T WO O D C H E R RY C R E E K

OUR MISSION W E A R E I N N O VAT O R S S E E K I N G U N PA R A L L E L E D M A R K E T I N G A N D S U P E R I O R I N T E R N E T T E C H N O LO GY, P O S I T I O N I N G O U R C L I E N T S AT T H E T O P.

Kentwood Real Estate is dedicated to the legacy of being “Colorado’s Premier Real Estate Company” through the highest producing, most knowledgeable, caring and experienced sales team in the country, offering the highest quality customer service experience.

BERENICE BEJARANO KENTWOOD REAL ESTATE CHERRY CREEK

BIOGRAPHY Berenice Bejarano, a leading real estate professional, has joined the top-producing team at Kentwood Real Estate at Cherry Creek as a broker associate. At her previous real estate company, Berenice garnered numerous awards for her sales production, including the number one producer distinction in a five-state region. She is now serving the diverse real estate needs of clients throughout Cherry Creek and surrounding neighborhoods.

Berenice earned her real estate license in 2000 and is a member of the Denver Board of Realtors. She earned her bachelor’s degree in hospitality management at the University of San Francisco. Berenice is an active supporter of the Colorado Academy of Ballet and enjoys reading, dancing and music. She joined Kentwood real Estate at Cherry Creek due to a desire to grow her business and advance her career by utilizing the firm’s vast resources.

“Real Estate is a people business and I believe that Realtors must be caring and understanding,” said Berenice. “A real estate transaction is one of the most important decisions an individual, couple or a family will make. A conscientious real estate professional must also be fiercely loyal and honest since we are often privilege to intimate details that drive a family’s real estate decisions.”

Berenice has 16 years of experience, is bilingual, and has won 3 awards for 4+ million sales or 21+ transactions in the last 5 years that she has been at Kentwood.

I have volunteered for Veterans of America, Ladies of Charity from the Holy Ghost.

For more information on real estate services from Berenice Bejarano, phone 720-312-3056, or contact Berenice via email at Bere@Kentwood.com

215 Saint Paul Street #200 Denver, CO 80206 | 720.312.3056 | CasasDenver.com | Agente Hablando español

BERENICE BEJARANO KENTWOOD REAL ESTATE CHERRY CREEK

SPANISH BIOGRAPHY Berenice Bejarano es una agente de bienes y raíces, actualmente trabaja para Kentwood @Cherry Creek una de las mejores companias en Colorado.

Berenice ha ganado varios prestigiosos premios incluyendo el premio de mayor produccion de ventas en 5 estados de la region. Ella trabaja y concoce todas las areas de Cherry Creek y de toda el area Metropolitana de Denver.

Berenice ha estado trabajando en bienes y raíces desde el 2000. Actualmente pertenece a la Asociacion de Denver Board of Realtors, al igual que National Association of Professsional Woman. y tambíen ha sido miembro del Denver Board of Realtors, una de las asociaciones con mayor prestigio y ya establecida por muchos años en Denver.

Berenice conoce el mercado y tiene buen entendimiento de los nuevos cambios que se han sucitado en este mercado, ayudanle a sus clientes en el proceso de venta o de compra segun lo sea requerido.

“Comprar una casa es una de las decsiones mas importantes para un individuo o bien para una familia, es enorme, y es por esta simple razón que me enorgullese usar mi experiencia y mi conocimiento para poderlesayudar a mis clientes de la mejor forma. Una agente de bienes y raíces siempre debe de trabajar de una manera leal y honesta checando hasta los más mínimos detalles para ayudar a una familia de la mejor manera en sus necesidades inmobiliarias”. Ella esta graduada de la Universidad de San Francisco, donde se recibio en Licenciatura de Administración de Hoteles y Restaurantes.

Berenice cuenta con 16 años de experiencia, es bilingüe , y ha ganado 3 premios por 4+ millones de ventas o 21+ transacciones en los últimos 5 años que ha estado en Kentwood . Me he ofrecido para los veteranos de América, Damas de la Caridad del Espíritu Santo .

Para mayor información pro favor de comunicarse con ella al 720-312-3056, o bien si lo desea por correo electrónico a bbejarano@DenverRealEstate.com

215 Saint Paul Street #200 Denver, CO 80206 | 720.312.3056 | CasasDenver.com | Agente Hablando español

BERENICE BEJARANO KENTWOOD REAL ESTATE CHERRY CREEK

MARKETING MORE IN DEPTH WHAT DO WE DO? 1. Conduct an ownership and encumbrance investigation.

2. Research condition of title.

3. Research zoning.

4. Research protective covenants/condominium declaration, etc.

5. Research condition and requirements of homeowner’s association.

6. Research status of special taxing districts.

7. Complete and provide a competitive market analysis.

8. Provide advice on proper pricing and terms to be offered.

9. Provide advice on repairs and improvements to the property, which will enhance the marketability.

10. Provide a market and advertising plan.

11. Put up our widely recognized for sale sign representing one of Colorado’s most creative and innovative real estate companies.

12. Expose your property to nearly 7,000 real estate agents in the metro area.

13. Expose your property to hundreds of qualified buyers transferring to Denver by their employers.

14. Qualify prospects (both financially and on motivation).

15. Find out what the buyers real wants and needs are.

16. Coordinate all showings.

17. Call for feedback from showing agents and report to you.

18. Keep you informed and advised of changing market and financing conditions.

19. Review all contract offers for completeness and advise you of your obligations under the contract offer.

20. Advise you and recommend negotiation tactics.

21. Balance the objectives of both buyer and seller while always representing your best interests.

22. Prepare and explain an estimate of your net proceeds.

23. Write contracts, counterproposals, addendums, extension agreements, etc.

BERENICE BEJARANO KENTWOOD REAL ESTATE CHERRY CREEK

24. Guide you through the maze of legal documents.

25. Set up appointment with inspectors, etc.

26. Meet the appraiser at the property.

27. Provide the appraiser with sales data.

28. Coordinate with buyers’ mortgage company and monitor the progress of the loan processing. Make certain that all performance dates are met within the requirements of the contract.

29. Order an inspection and/or certifications, which may be required by the mortgage company.

30. Order an inspection and/or certifications, which may be required by the mortgage company.

31. Make sure the title insurance commitment is delivered to the buyer, the mortgage company and the selling agent.

32. Keep you informed and advised every step of the way.

33. Order payoff or assumption statements.

34. See that a survey is ordered (if applicable) 35. See that a tax certificate is ordered.

36. Coordinate and set up the closing with all parties.

37. Review all closing documents for completeness and accuracy.

38. Make certain you have copies of all documents.

39. Make certain you receive a net proceeds check at closing in the correct amount.

In short when you hire Kentwood Real Estate Cherry Creek, you receive all of the knowledge, experience, and resources of our entire company with regard to:

• Colorado Real Estate Law and Customs • Agency Laws • Zoning Regulations • Marketing and Promotion • Accounting • Financing • Negotiation Skills

ABOUT KENTWOOD REAL ESTATE

KENTWOOD IS A TRUSTED NAME I N M E T R O D E N V E R R E A L E S TAT E .

Founded in 1981, Kentwood Real Estate recently celebrated 36 years as one of the most trusted names in Denver real estate. Kentwood had consecutive years with total sales over $2 billion from 2013-2016. The company looks forward to surpassing its previous records in 2017.

Kentwood is comprised of over 190 top-producing real estate professionals operating from three strategically located offices in the metro Denver area. Our brokers and management team are dedicated to superior customer service and unmatched expertise in all segments of the market. We also offer comprehensive relocation services through our affiliation with the Leading Real Estate Companies of the World. Kentwood’s marketing programs, family environment, and long-term relationships with clients are also company hallmarks.

A company is only as good as its people. Striving for excellence has become a tradition with Kentwood Real Estate. It shows in the performance of every Kentwood broker associate and each member of the support staff. Locally operated, with a strong and experienced support staff, Kentwood assists with every facet of a sale or purchase. The Kentwood professionals know the real estate business inside and out, and are unmatched in knowledge of the residential market in the Denver metro area.

As Denver’s largest independent brokerage, we provide dedicated and personalized service. Reputation is what a successful real estate company is all about. Kentwood carefully selects its agents, who have achieved some of the nation’s highest real estate volumes and have established a reputation as individuals of dedication, integrity, and personalized service.

Every Kentwood broker associate is full-time and averages 20 years of experience selling residential real estate. Kentwood professionals have also held numerous leadership positions in the industry, communities and neighborhoods, and are active in their local Boards of Realtors.

The offices of Kentwood Real Estate are located in the Denver Tech Center, Cherry Creek North, and in lower Downtown Denver (the latter known to locals as LoDo). Kentwood Real Estate provides broad-based services to communities throughout the Denver metropolitan area.

Looking ahead, the strength of Kentwood Real Estate comes not only from our past, but from our ability to embrace our future. Our ability to accurately project future trends affecting our customers and clients provides assurance that you are in the best possible hands. You will benefit from our knowledge and expertise in the latest areas of technology, market trends and relocation strategies while maintaining the good, old-fashioned customer service and personal attention that has earned Kentwood its prestigious reputation.

KENTWOOD CHERRY CREEK

FEW COLORADO NEIGHBORHOODS EXUDE THE C H A R M , P R E S T I G E A N D VA L U E F O U N D I N C E N TRAL DENVER NEIGHBORHOODS INCLUDING THE CHERRY CREEK AREA. Kentwood Real Estate at Cherry Creek is located in the heart of this vibrant and evolving cosmopolitan community. Our brokers not only specialize in Central Denver’s prestigious neighborhoods, they are also seasoned professionals with a broad depth of knowledge in all areas of the Denver Metropolis.

Central Denver neighborhoods are known for their vibrant culture, walkable lifestyle and diverse architecture. Kentwood brokers know bungalows to midcentury modern, tudors to townhomes and new construction versus classic.

Whether your agent is assisting you with a purchase or is marketing your home for sale, you can rest assured that you’re well represented.

Our brokers’ extensive relocation knowledge generated from years of assisting transferees has fostered an ability to quickly assess the needs of our clients. We work with buyers and sellers in all areas of the Denver marketplace as a result of Kentwood’s strong national and international relocation connections.

We realize success by providing you with the most dependable and effective residential real estate service possible. That is why Kentwood Real Estate is consistently rated the most productive Denver residential real estate company.

2 0 1 6 M A R K E T S H A R E T O T A L S Total $ Volume (By CMS Market Share) MKT 6.3%

SOURCE: BROKER METRICS Criteria: Arapahoe, Denver, Douglas County.

MKT 5.8%

1,800 1,700

MKT 5.6%

LIST SELL

1,600 1,500 1,400

MKT 4.3%

1,300 1,200 MKT 3.4%

1,100 1,000

MKT 3.2% MKT 2.6%

900 800

MKT 2.0%

700

MKT 2.0%

MKT 1.9%

600 500 400 300 200 100 0 Kentwood Real Estate

LIV Sotheby’s

Coldwell Banker

REMAX Professionals

Cherry Creek Properties

Keller Williams DTC

REMAX Alliance

REMAX Masters

Your Castle

Porchlight

1

6

2,35 2

2,32

2,23

2,164

2,611

2,75 3

3

2

3,27

1

3,01

2,97

2,76 6

2

2,78

3,776

3,99 6

5

4,48

2016

4,000

2015

1

2,05

,704

3,261 ,000

3,86 6

2,798 $1,12

$1,10

38,71 6

$904 ,0

$1,38

$1,7

$1,39 6,08 6,98 5

$1,40 1,071 ,170

8,219 ,060

$1,04

,651

$1,24 5,66 6,22 0

$1,06 9,58 3

21,4 97,5 69

$1,0

$1,0 24,3 70,15 2

16,3

18,5

$2,010,000,000

2014

2,82

76 85,9 29,1 62

$2,3

81,2 98,8 67

82,4 31,9 84

$2,0

$2,1

$2,510,000,000

2013

3,500

2012

2011

2010

500

2009

2,500

2008

2007

2006

2005

2004

2003

2002

2001

2000

3,000

$1,0 07,9 18,87 3

$1,510,000,000

2,76 5

$3,010,000,000

$2,221,517,683

$1,010,000,000

$510,000,000

2016 CLOSED SALES VOLUME

$10,000,000

4,500

3,905

2,000

1,500

1,000

2016 CLOSED SALES TRANSACTIONS

0

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

TOP PERFORMING AGENTS With an average of 20 years of experience per agent and average sales volume of over $12.5 million in 2015, Kentwood Real Estate out-performs their competitors.

K E N T WO O D R E A L E S TAT E R A N K E D

IN 2015

I N SA L E S VO LU M E P E R AS S O C I AT E

According to RISMedia’s Real Estate Magazine (National Real Estate Media Publishing Company), Kentwood Real Estate ranked #1 in Colorado and #3 nationally for highest average volume sold per associate in 2015. Kentwood is comprised of three Denver real estate offices, located in Downtown Denver, Cherry Creek and The Denver Tech Center with a total of 190 agents. Kentwood had consecutive years with total sales over $2 billion from 2013-2016. The company looks forward to surpassing its previous records in 2017.

2 0 1 5 N AT I O N A L R A N K I N G | S A L E S V O L U M E P E R A S S O C I AT E

COMPANY STATE

1. Hilton & Hyland

CA

SALES ASSOCIATES

SALES VOLUME

SALES VOLUME PER ASSOCIATE

150

$2,784,159,763

$18,561,065

2. Washington Fine Properties

DC

146

$2,240,034,074

$15,342,699

3. KENTWOOD REAL ESTATE

CO

190

$2,400,000,000

$12,631,579

4. Paragon Real Estate Group

CA

121

$1,508,013,932

$12,462,925

5. RE/MAX Metro New York

NY

42

$503,473,916

$11,987,474

6. Pacific Union International

CA

702

$8,221,881,077

$11,712,081

7. Decker Bullock Sotheby’s International Realty

CA

171

$1,937,219,731

$11,328,770

8. Today Sotheby’s International Realty

CA

78

$795,039,249

$10,192,811

GIVING BACK TO THE COMMUNITY Kentwood as a local company 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 its agents demonstrate their commitment to the community by volunteering and supporting local charities and events.

N O N P R O F I T S , C H A R I T I E S , C I V I C & C O M M U N I T Y E N D E AV O R S S U P P O R T E D B Y K E N T W O O D A G E N T S

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 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 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 Golden High School GoodWill Colorado Greater Park Hill Community GreenPeace Habitat for Humanity of Metro Denver Highland United Neighbors Inc. Hopes 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 Mercy House 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 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 Starts Foundation Shriners Hospital Siena Smile Train Soles 4 Souls South Metro Food Bank St. Jude Children’s Hospital Temple Sinai Tennyson Center The Colorado Ballet The Delores Project The Humane Society of the United States The Jewish Experience The Kitchen Community The Melanoma Research Foundation 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 Women Who Wine and Who are Charitable Women’s Bean Project Women’s Global Empowerment Fund World Wildlife Fund Wounded Warrior Project Zara Project

USING KENTWOOD MARKETING KENTWOOD’S TECHNOLOGY HELPS YOU SELL YOUR HOME

DenverRealEstate.com

A L L D E N V E R M E T R O L I S T I N G S can be viewed 24/7 on the continually updated DenverRealEstate.com. Kentwood has deployed cutting-edge technology in order to give you the most robust search tools, and information about brokers, homebuyer resources, and market data. Get to know Denver 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 DenverRealEstate.com is our Advanced Interactive Mapping (AIM) feature. Consumer studies show that home buyers prefer visually oriented, interactive property searches. We provide a unique map-based property search that allows you to search for just the right home and neighborhood.

D E N V E R R E A L E S TAT E . C O M C A N P R O V I D E A L L O F T H E T O O L S YO U N E E D FOR PRODUCTIVE PROPERTY SEARCHES, INCLUDING:

• 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 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 Denver lifestyle. Categories include Events, Restaurants, Things to Do, Theatre And Arts, Music And Concerts, and Sports

S E A R C H E N G I N E O P T I M I Z AT I O N ( S E O) Search Engine Optimization (SEO) is a system of methods used to enhance a website’s ranking in the natural search results of search engines.

This includes optimizing many factors including the use of relevant keywords and making sites web compliant, to name a few.

2016 SEO Overview of DenverRealEstate.com SITE USAGE

568,187

53.25%

TOTAL VI SI T S

% NEW VISITS

3,049,631

5.37

4.52

PAGE VI E WS

AVG. PAG E V I E WS P E R V I S I TO R

AVG. T I ME O N S I T E (MI N U T E S)

WEB TRAFFIC SOURCES

33.4%

39.6%

22.1%

4.9%

ORGANIC SEA RC H 189, 628

DI R EC T T RA F F I C 224, 96 1

RE F E RRI N G S I T E S 1 2 5, 6 24

S O C I A L T RAF F IC 2 7, 8 9 3

S O U R C E S B Y LO C AT I O N

H IGHEST CONCEN T RAT I ON

LOW ER CONCENTRATION

LOW EST CONCENTRATION

568,187 VISITS

came from 200 countries / territories

UNI T E D S TAT E S . . . . . . . . . . . . 508,914

PH I L I PPI NES . . . . . . . . . . . . . . . . . 2,103

C H I NA . . . . . . . . . . . . . . . . . . . . . . . . 11,513

AUS TRAL I A . . . . . . . . . . . . . . . . . . . 2,040

RUS S I A . . . . . . . . . . . . . . . . . . . . . . . 11,194

UNI TED KI NG DO M . . . . . . . . . . . . 1,773

B RAZ I L . . . . . . . . . . . . . . . . . . . . . . . 5,687

SWI TZER L AND . . . . . . . . . . . . . . . . 1,719

C ANADA . . . . . . . . . . . . . . . . . . . . . . 4,802

G ER MANY . . . . . . . . . . . . . . . . . . . . . 1,484

I NDI A . . . . . . . . . . . . . . . . . . . . . . . . . 2,427

MEXI CO . . . . . . . . . . . . . . . . . . . . . . . . . 965

THE MOBILE MOVEMENT 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.

OUR OWN SMARTPHONE AND TA B L E T A P P S As potential buyers search neighborhoods and discover properties, they expect to be able to get more information in real time on their mobile device.

Kentwood’s comprehensive, easy to use mobile apps with custom search capability, puts relevent properties in the buyer’s hands.

MOBILE VISITS

MOBILE DEVICES

Total mobile visits to DenverRealEstate.com increased 8% from 2015 to 2016:

Top mobile devices used to visit DenverRealEstate.com in 2016:

239,808

222,408

117,091

58,650

47,073

iPhone

iPad

Android

120,000

250,000

100,000

200,000

80,000 150,000 60,000 100,000 40,000 50,000 20,000

2016

2015

WHERE DO KENTWOOD LISTINGS APPEAR ONLINE? Listing syndication maximizes a home’s exposure and a brokerage’s online presence. Kentwood gives your home the most exposure by syndicating the listing of your home to these popular sites with thousands of unique users every day and millions of page views every month.

YO U R H O M E WI L L B E ADVE RT I S E D ON TH ES E TO P RATED S I TES AND NUMERO US OTH ER S: *RAT ED TOP 5 REA L ESTATE SITES BY INM A N NEWS 2 014

1

Z I L LOW.CO M 4 4 .9 M I LLI ON V I S I TS P E R M ON TH 1 1 . 39 % M A R K E T S H A R E

2

T RU L I A .CO M 33.9 M I LLI ON V I S I TS P E R M ON TH 7.72% M A R K E T S H A R E

3

RE A LTO R.CO M 28 . 8 M I LLI ON V I S I TS P E R M ON TH 6. 56% M A R K E T S H A R E

4

5

H O ME S .YA H O O.CO M 1 9 M I LLI ON V I S I TS P E R M ON TH 4 . 34 % M A R K E T S H A R E

H O ME S .CO M 1 7. 2 M I LLI ON V I S I TS P E R M ON TH 3.9 2% M A R K E T S H A R E

A D D I T I O N A L S Y N D I C AT E D S I T E S I N C L U D E : R E A LT Y T R A C . C O M • L A K E H O M E S U S A . C O M • L A N D W A T C H . C O M • H O M E W I N K S . C O M P R O P E R T Y P U R S U I T. C O M • P R O P E R T Y S H A R K . C O M • H O T PA D S . C O M • VA S T. C O M • O O D L E . C O M P R O P B OT.CO M • P R O P E R A Z Z I .CO M • F R O N T D O O R .CO M

EVERY KENTWOOD LISTING GETS ITS OWN WEBSITE Signs and the Internet are two of the leading sources used by prospective buyers to find their next home. Kentwood has combined these two advertising mediums into a unique marketing program that will help you sell your home faster.

Your home will be advertised around the globe on the Internet via its own unique Individual Property Website (IPW).

In order to make the process of finding your home easy, our agents will typically register a simple and specific domain name for that property.

These web addresses can also be included on a rider over the Kentwood ‘For Sale’ sign. A prospective client passing by can use their mobile device to view a complete online brochure, including outstanding photographs, a property description, price, and agent contact information.

M AT T E R P O R T 3 D C A M E R A T E C H N O LO GY Kentwood Real Estate, Colorado’s Premier Real Estate Company, has introduced the Matterport Pro 3D Camera to its arsenal of technologically advanced tools to benefit its brokers and home buyers and sellers alike.

For years, the real estate industry has offered “virtual tours”. These tours were comprised of individual still images faded in and out with added motion caused by zooming in or out of the image. However in today’s market buyers and sellers desire more, especially when it comes to interactivity. Kentwood Real Estate recently invested in a new cutting edge camera technology and accompanying rendering software that allows for any perspective buyer to virtually walk through a property with full 360 degree views taken from multiple perspectives throughout the property. The camera uses not only 2D and 3D images to create these virtual environments, but also depth sensing lasers in order to provide accurate and immersive renderings of every angle of a home’s interior.

Q U I C K FA C T S

50-100

1-2

24

SC ANS P ER P ROP ERT Y

H O U RS D U RAT I O N / S H O OT

H O U RS T U RN A RO U N D TIME

E M A I L M A R K E T I N G : I N S TA N T R E S U LT S Kentwood’s email marketing consists of both graphic and text-based emails sent to potential buyers who have requested email alerts as members of our “Property Alerts”.

W I T H O U R E - F LY E R P R O G R A M , YOUR MESSAGE CAN REACH

8,000+ brokers in the Denver area alone

JESÚSOROZCOJR.

DENVER REAL ESTATE INSIDER

2200 PRESENTS

WEST 29TH AVENUE NO. 305 $489,900

Thousands of highly qualified prospects receive email notification when properties are updated on our website, which occurs daily. We also send email marketing

LIVING RO OM

K I TC H E N

STRUCTURALLY SLEEK AND STRONG. Mindfully modern yet sophisticated. Immortal to time, this quality unit speaks simple and contemporary with a timeless industrial canvas. Set in the heart of LoHi, this 1,191 square foot condo floats just above the city, viewable from the common

pieces to our network of brokers, which reach 8,000+

rooftop deck, flanked by coveted views of the city and Rockies. Home has been meticulously maintained by the original, current owner.

Industrial concrete ceilings stand at 10 feet high, creating balance with the contemporary solid 3-inch birch wood floors. From the bedrooms to the balcony, everything here joins for an elegant experience - cohesive, graceful, and evocative to the senses. Imagine the ability to walk to your favorite kitchen like Bar Dough, Truffle Table, Highland Tap & Burger, Old Major, Linger, Lola, or Sushi Ronin. Great proximity to retail, dining, walking /biking trails, Union Station, Lower Downtown. Seller to offer a paint & carpet credit for bedroom with acceptable offer.

brokers in the Denver metro area alone. Kentwood also hosts a Broker Open Program, marketing Kentwood properties for a Company-Wide Broker Open event MASTER BEDRO OM

once a month. This promotes your property to a network of brokers to bring qualified buyers.

JESÚSOROZCOJR.

DENVER REAL ESTATE INSIDER

303.570.8561 Jesus@DenverRealEstate.com JesusOrozco.Realtor 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.

BALCONY

THE KENTWOOD GALLERY MAGAZINE Our home-selling clients enjoy the finest marketing programs in the business, with the Kentwood Gallery serving as just one example of our vast arrray of marketing tools.

Local distribution to approximately 80,000 highly targeted households in the Denver Metro Area and distribution with the Denver Business Journal and LoDo news. A variety of advertising options allow our brokers to provide their seller’s properties with the best placement and display.

KENTWOOD GALLERY D I G I TA L E D I T I O N •

View the entire magazine online

•

Check out past issues

•

Browse individual home tours directly

from the magazine

•

Send a link to share the publication

L U X U RY P O R T F O L I O I N T E R N AT I O N A L Luxury Portfolio provides the tools to drive growth and innovation, including access to empowering technologies that result in better decisions, and coveted partnerships in the growing lifestyle market.

Luxury Portfolio International The award-winning LuxuryPortfolio.com represents more $1 million-plus properties than any other luxury network, leveraging high resolution photography and the latest mobile and video technology to create a cutting edge experience when browsing the world’s preeminent collection of fine properties.

• 5 5 0 G LO B A L A F F I L I AT E S • 4,000 OFFICES • 1 2 8 , 0 0 0 S A L E S A S S O C I AT E S

AN EXCLUSIVE NETWORK OF INDEPENDENT BROKERAGES The exclusive selection of independent brokerages who are invited to be part of Luxury Portfolio offer the local expertise and exceptional service that today’s experience-oriented affluent demand.

Diverse in geography and demographic, the Luxury Portfolio network is united by a desire to deliver a high-value, highly personalized experience.

OUR I NTERNATI ONAL NETWORK

AFFI L I AT E S

C H RI S TI E’S I NTERNATI ONAL REAL ES TATE

S OTH EBY ’ S I NTERNAT IO N A L REALTY

550 140 N/A 4,000 1,350

760

SALES AS SO C I AT E S

128,000 32,000

16,500

SALES VOLUME ANNUAL LY

$351B $95B

$70B

O FFI C E S

A F F I L I AT E S

S A L E S A S S O C I AT E S

550

128,000

600

140,000

500

120,000 100,000

400

80,000

300

140 N/A

100 0

16,500

40,000 20,000 0

OUR INTERNATIONAL NETWORK

C HR I S T I E ’ S

S OT HE BY ’S

OFFICES

4,500

32,000

60,000

200

OUR INTERNATIONAL NETWORK

CHRISTIE ’S

SOTHEBY ’S

S A L E S V O L U M E A N N U A L LY

4,000

400

4,000

$351B

350

3,500

300

3,000

250

2,500

200

1,350

2,000

16,500

1,500 1,000

100

500

50

0

$95B

150

$70B

0 OUR INTERNATIONAL NETWORK

C HR I S T I E ’ S

S OT HE BY ’ S

OUR INTERNATIONAL NETWORK

CHRISTIE ’S

SOTH EBY ’S

Source: Christie’s International Real Estate comparative metrics CIRE vs SIR dated June 1, 2015. Sales volume annually is U.S. only.

L E A D I N G R E A L E S TAT E C O M PA N I E S O F T H E W O R L D Kentwood Real Estate is a member of Leading Real Estate Companies of the World, providing our clients global reach when selling their home.

Leading Real Estate Companies of the World Being a part of the global economy goes far beyond technology; it requires the human touch. We are proud to belong to the global network whose name says it all – Leading Real Estate Companies of the World®. Only the best of the best are part of this collection.

Wherever you go, the Leading Real Estate Companies of the World® logo is a symbol of the finest local real estate professionals.

• OV E R 5 5 0 CO M PA N I E S • 4,000 OFFICES • 1 2 8 , 0 0 0 A S S O C I AT E S • OVER 55 COUNTRIES

ARG E N T I N A | AU ST RAL IA | BAHAMAS | BELG IUM | BRI TI S H VI RGI N I S L ANDS C AN A DA | CAYM A N ISL AN DS | CHINA | COSTA RICA | CZEC H REPUBLI C | DENM ARK DOMI N I CA N R E P U B L I C | EN G L AND | FIJI | FRAN CE | FRENC H WES T I NDI ES | GERMANY IN D O N E SI A | I R E L A ND | ITALY | JAMAICA | JAPAN | MAC EDONI A | M AURI TI US | MEXI CO N EW Z E A L A N D | PA N AMA | P ORTUGAL | P UERTO RICO | ROMANI A | S I NGAPORE S IN T M A A RT E N | SO U TH AFRICA | SPAIN | SW ITZERL A ND TRI NI DAD & TOBAGO | TURKEY T UR K S & CA I COS | UN ITED ARAB EMIRATES | UN ITED STATES | U.S . VI RGI N I S L ANDS

AWA R D - W I N N I N G R E LO C AT I O N S E R V I C E S Every day, Kentwood’s Relocation Department looks after the complete real estate needs of people moving to and from Denver.

The Kentwood Relocation Service team is

G LO BAL STR E N GTH. G LO BAL POWE R HO U S E .

MAX I MUM E X POSUR E .

carefully trained in all aspects of individual, family, and corporate moves. We concentrate on the individual needs of each family and do all that we can to ensure that each family

Volume shown in billions of dollars 350

$351

finds the right location and is happily settled into their new home.

300

Kentwood’s corporate movers range in size from a handful of employees to major moves

Leading Real Estate Companies of the World® RE/MAX $265

Coldwell Banker $262

Keller Williams

250

of several hundred families. Utilizing the

Century 21

full resources of the Kentwood Relocation

Sotheby’s International Realty

Department, Kentwood Real Estate provides

Berkshire Hathaway Home Services Prudential ERA $208

200

Better Homes & Gardens Realty Executives

the expert service and support to assist

Real Living HomeSmart

Denver’s corporations and their people as

150

they change, grow and prosper.

As an affiliate of the prestigious Leading Real Estate Companies of the World® network, Kentwood had consecutive years with total

$113

100 $98 $77

50

sales over $2 billion from 2013-2016. The $45

company looks forward to surpassing its previous records in 2017. Those connections make us a national and global real estate company working on your behalf.

$28 $18

$17

$11

Actual member statistics for LeadingRE and estimates for other networks using average sales units per agent and average sales price for firms in each respective network from published sources for 2015 production.

PRODUCI NG O NE-TH I R D MOR E U.S. H OME SAL ES VOLUME I N 2015 TH AN O UR CLOS ES T COMPETI TOR

Leading RE affiliates also lead in the number of sales, with 20% more transactions than the closest competitor.

$8

0

W H O ’ S W H O I N L U X U RY R E A L E S TAT E Since its debut in 1995, LuxuryRealEstate.com has become the number one portal for luxury properties on the internet. Kentwood values its relationship with Luxury Real Estate, selling in excess of $200 billion in real estate annually.

Who’s Who in Luxury Real Estate LuxuryRealEstate.com is the definitive source for luxury homes from around the world with its powerful marketing solutions and property visibility, Luxury Real Estate is an integral part of selling your home. Its network contains all of the top luxury professionals from small boutique firms to large international brands.

• 2M+ PAG E VI EWS PER MONTH • 4 9,0 00 + PROPERTI ES WI TH AN AVERAG E PR I CE OF $ 2,25 8,39 7 • #1 SEARCH ES ON G O O G L E, B I NG, AND YAH O O SEARCH ENG I NES

• 1 ,7 5 7 B RA N DS | 5 ,1 41 OFFICES | 6 8 ,961 SAL ES ASSOCI ATES | 69 COUNTRI ES • 49,0 0 0 + P RO P E RTIES IN OVER 1 0 0 COUN TRIES • I N CLU D E S A L L O F THE TOP LUX URY P ROFESSION AL S FROM S M ALL BOUTI QUE FI RM S TO L A RG E I N T E R NATIONAL BRANDS

SELLING WITH KENTWOOD KENTWOOD’S TECHNOLOGY HELPS YOU SELL YOUR HOME

DenverRealEstate.com

AN AGENT’S RESPONSIBILITIES Your Kentwood Agent 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

RESPONSIVENESS

• Provide a marketing strategy, a competitive market analysis

• Act in good faith at all times

and recommend an appropriate list price for the sale of

• Adhere to your instructions

your property

• Return all calls and emails promptly • Closely track dates and deadlines

• Market your property to buyers and other agents utilizing

all possible appropriate methods

ACCOUNTING

• Make recommendations on staging, potential repairs and

cleaning your property, in order to make your home more

• Receive and monitor all earnest money deposits

attractive to buyers

• Receive and deliver all documents in a timely manner • Review final settlement statements

• Suggest quality professionals, including attorneys,

handymen, stagers and inspectors

L O YA LT Y

• Guide you in making informed decisions leading to a

satisfactory sale

• Present and respond to all offers in a timely manner

• Place your interests above all others • Keep your personal information strictly confidential • Ensure that all parties to the transaction are fully

• Negotiate the best price and terms possible, always

informed about any material facts that may affect

the transaction

keeping your specific needs in mind

GENERAL STEPS IN THE KENTWOOD SELLING PROCESS

DECISION TO SELL

AS YOUR AGENT, I WILL:

DETERMINE AND COORDINATE MARKETING STRATEGIES TO BEST FIT YOUR HOME

Explain The Selling Process

Determine Listing Price

Publication Marketing

Multiple Listing Service

Property Website

Print Materials

Open Houses

Signage

REALTOR SELECTION

Internet Marketing

Email Flyers

COORDINATE HOME INSPECTION

ORDER TITLE

HANDLE CONTRACT ADMINISTRATION

NEGOTIATE OFFERS

MEET APPRAISER

ENSURE COMMUNICATION AMONG ALL PARTIES

ACCOMMODATE FINAL WALKTHROUGH

FACILITATE CLOSING

Real Estate Websites

CONDUCT SHOWINGS AND GIVE FEEDBACK

ATTRACT AND SCREEN QUALIFIED BUYERS

DIRECT BUYERS TO FINANCING OPTIONS

MOVING DAY

AN AGENT’S RESPONSIBILITIES We will take the time to explain the different agency relationships you may have with your Kentwood agent.

T H E P E O P L E I N V O LV E D A N D H O W C O M M U N I C A T I O N T A K E S P L A C E

Buyer’s Agent

BUYER

Listing Agent

SELLER

TITLE COMPANY

LENDER

INSPECTOR

ABOUT THE COMMISSION

SELLER TYPICALLY PAYS

LISTING AGENT’S BROKERAGE OFFICE

LISTING AGENT

OCCASIONALLY BUYER PAYS

BUYER AGENT’S BROKERAGE OFFICE

BUYER’S AGENT

AN AGENT’S RESPONSIBILITIES Timing and pricing for your home is imperative to a satisfactory sale. Your Kentwood agent will help you analyze these factors to get the best price in the best time.

PR

IC

E

S T R AT E G I C P R I C I N G F O R T H E B E S T E X P O S U R E A N D R E S U LT S

ER

H I GH ER PRI C ES ATTRAC T FEWER BUYERS

H

IG

H

The higher the asking price of your home, the fewer interested

FAIR MARKET VALUE

PR

IC

E

buyers you will have.

LO

W

ER

LOWER PRI C ES ATTRAC T M ANY BUYERS

NUM BERS OF BUYERS

TIMING IS EVERYTHING

A new listing will generate interest from agents and potential buyers. After they have viewed the property, interest will decline, which makes it crucial to list your property at the right price when it first goes on the market.

WEEK 1: GROWING AWARENESS

WEEK 2: HIGH AWARENESS

WEEK 3: DECLINING AWARENESS

WEEK 4: CONTINUED DECLINE

A new property on the market generates a high level of interest.

Peak market awareness during the first two weeks on the market.

Declining awareness and interest as other new properties arrive on the market.

Continued decline in awareness and interest.

SOURCE: THE NATIONAL ASSOCIATION OF REALTORS® | PROFILE OF HOME BUYERS AND SELLERS 2016

WHERE DO BUYERS FIND THE HOME THEY PURCHASE? A successful sale is based on understanding the buyer. Your Kentwood agent understands how to market your home based on the knowledge of where buyers come from and will create a comprehensive marketing plan to fit your needs and your home.

FIR S T S T E P TA K E N I N B UY I NG P RO C E S S

ALL BUYERS

0%

10%

20%

FIRST-TIME BUYERS

30%

REPEAT BUYERS

40%

50%

LOOKED ONLINE FOR PROPERTIES FOR SALE CONTACTED A REAL ESTATE AGENT LOOKED ONLINE FOR INFO ABOUT THE HOME BUYING PROCESS CONTACTED A BANK OR MORTGAGE LENDER

DROVE BY HOMES / NEIGHBORHOODS TALKED WITH A FRIEND OR RELATIVE ABOUT THE HOME BUYING PROCESS VISITED OPEN HOUSES

U S E FU L N E S S O F I NFO S O URC E S

VERY USEFUL

SOMEWHAT USEFUL

ONLINE WEBSITE

NOT USEFUL

86%

REAL ESTATE AGENT

13%

79%

MOBILE OR TABLET SEARCH DEVICE

19%

77%

ONLINE VIDEO SITE

27%

53%

HOME BUILDER

41%

45%

OPEN HOUSE

45%

40%

YARD SIGN

38%

RELOCATION COMPANY

33%

BILLBOARD

24%

TELEVISION

24%

PRINT NEWSPAPER ADVERTISEMENT

46%

HOME BOOK OR MAGAZINE

56% 66% 68%

16%

0%

20%

40%

60%

3% 2% 5% 10%

52%

8%

59%

8% 21%

60%

17%

1%

80%

16% 19% 17% 16%

100%

SOURCE: THE NATIONAL ASSOCIATION OF REALTORS® | PROFILE OF HOME BUYERS AND SELLERS 2016

T H E I N T E R N E T A N D R E A LT O R S ® – R E A C H I N G B U Y E R S Kentwood knows that the internet is the most important way to reach buyers and has created a sophisticated online strategy to market your home including DenverRealEstate.com, search engine optimization (SEO) and syndication to top real estate websites.

W HE RE BU YE R FO UND T H E H O M E T H E Y P URCH AS ED, 20 04 -2016

(Percentage Distribution)

50%

45%

40%

I NTER NET 35%

REAL E S TAT E AG E NT 30%

25%

20%

15%

YA R D S I G N / O P E N H O US E S I G N 10%

5%

FRI E ND, R E L AT I VE O R NE I G H BO R 0% 2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

SOURCE: THE NATIONAL ASSOCIATION OF REALTORS® | PROFILE OF HOME BUYERS AND SELLERS 2016

REFERENCES FOR SELLERS ADDITIONAL HELPFUL

Information & Resources

I N F O R M AT I O N E V E RY S E L L E R S H O U L D K N O W As the seller, you may be responsible for the following estimated expenses associated with the sale of your Denver home:

B RO KE R ’ S CO M M I SSI O N

KENTWO O D C L I E NT CO M M I S SI O N

T I T L E I NSURANC E (AP P ROX I M AT E ) *Discounts may apply for re-issue rates *Includes owners extended coverage

Percentage of sales price

$200 per transaction

Sliding scale based on sale price $150,000 : $1,210 $500,000 : $1,857 $750,000 : $2,295 $1,000,000 : $2,732 Over $1 million, approximately $1.65 per $1,000 of sales price

I M P ROVE M E NT LO C AT I O N C E RT I FI C AT E (I LC)

$250 - $400

(If needed per contract)

WAT E R E SC ROW

P RO RAT E D UT I L I T I E S & ASSE SSM E NT

R ECO R DI NG FE E S

HO M EOWNE R S AS SO C I AT I O N (HOA) FE E S

HOA DO C UM E NT R E T R I E VAL

R E L E ASE T RAC KI NG FE E

T I T L E C LOS I NG FE E

$250 - $1,000 with balance refunded to seller

For expenses incurred, but not paid, up to the date of closing

$50 - $100

Per the contract and as assessed by the HOA

$100 - $175

$25 per payoff

$150

SOURCE: LAND TITLE GUARANTEE COMPANY *COSTS ARE APPROXIMATIONS AND MAY VARY

ENHANCE YOUR HOME FOR A QUICKER SALE It is important for your home to look its best when going on the market. Your Kentwood agent can advise you on enhancements and give you referrals for preparing your home for sale.

BE FOR E P UTTING YO UR HO M E O N T HE M AR KE T, YO U CAN ENHANC E I T S I NT E R I O R BY: • Cleaning every room and removing clutter. This alone will make your house appear bigger and brighter.

• Renting units to move furniture out of a crowded room.

• Hiring a professional cleaning service every few weeks while the house is on the market.

• Removing items from kitchen counters, closets and attics.

• Re-surfacing soiled or strongly colored walls with a neutral shade, such as off-white or beige, and applying the same color scheme to carpets and flooring.

• Checking and repairing cracks, leaks and signs of dampness in the attic and basement, as well as repairing cracks, holes or damage to plaster, wallboards, wallpaper, paint and tiles.

• Replacing broken or cracked window panes, molding and other woodwork.

• Inspecting and repairing plumbing, heating, cooling and alarm systems.

• Repairing dripping faucets and shower heads.

• Buying new towels for the bathrooms to be displayed when prospective buyers visit.

• Sprucing up a kitchen in need of major remodeling with new cabinet knobs, window treatments and a coat of neutral paint.

• Consider bringing in a professional stager to set the scene throughout your home.

EN HA N C E E X T E R I O R AND C UR B AP P E AL BY:

WH EN SH OWI NG YOUR H O ME:

•

Keeping the lawn manicured and watered regularly.

•

Open drapes and curtains before prospective

•

Trimming hedges, weeding flower beds and pruning trees regularly.

buyers arrive. Make certain the temperature is

•

Checking the foundation, steps, walkways, walls and

comfortable. Turn on all lights.

patios for cracks and crumbling.

•

Keep pets out of the way temporarily unless

•

Inspecting doors and windows for peeling paint.

they are quiet and well behaved.

•

Cleaning and aligning gutters.

•

Soft background music is acceptable, but

•

Inspecting and clearing the chimney.

blaring stereos, radios and televisions will

•

Repairing and replacing loose or damaged roof shingles.

impede discussions.

•

Repairing and repainting loose siding and caulking.

•

Keeping walks neatly cleared of snow and ice in winter.

•

Never apologize for the appearance of your home.

After all, it’s been lived in. Let your Kentwood

•

Adding colorful annuals near the front entrance in spring and summer.

agent react to comments.

•

Re-sealing an asphalt driveway.

•

Plan on vacating during the showing period.

•

Keeping your garage door closed.

Potential buyers may feel like intruders and

•

Applying a fresh coat of paint to the front door.

hurry through your home if you are there.

A QUICK GUIDE TO AGENCY TERMS

SELLER ’S AGE NT

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 seller’s agent about the property. A separate written listing agreement is required which sets forth the duties and obligations of the broker and the seller.

B UYER ’S AGE NT

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.

TRANSAC T I O NB RO KE R

A transaction-broker assists the buyer or seller or both throughout a real estate transaction by performing terms of any written or oral agreement, fully informing the parties, presenting all offers and assisting the parties with any contracts, 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.

CUSTO M E R

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.

A G LO S S A RY O F C O M M O N R E A L E S TAT E T E R M S

AP P RAI SE R

The person who decides the market value of a home based on its condition and the selling prices of comparable homes recently sold in the area. His or her job is to compute a fair estimate of market value to help the lender determine a reasonable loan amount.

ASSE SSO R

A public official who appraises property for tax purposes, determining the assessed value, not the tax rate.

CLOS I NG

The conclusion of a real estate transaction, which includes delivery of a deed, financial adjustments, signing of notes and disbursement of funds necessary to the sale or loan.

CONTINGE NC Y

A condition that must be met before a contract is binding. For example, the sale of a home might be contingent upon the seller paying for certain repairs, resulting from buyer’s inspection.

CONVENTIONAL LOAN

A loan made with real estate as security and not involving government participation in the form of insuring (FHA) or guaranteeing (VA) the loan.

F IX ED-RATE LOAN

HOM EOWNER ’S PO L I C Y

A loan with the same rate of interest for the life of the loan.

A multiple-peril insurance policy commonly called a package policy. Available to owners of private homes, it covers the dwelling and contents in case of theft, fire, or wind damage, as well as liability for property damage and personal liability.

INTER EST RAT E C AP

The maximum interest rate charge allowed on an adjustable-rate loan for any one adjustment period during the life of the loan.

OP EN M ORTGAGE

A mortgage that may be repaid in full at any time over the life of the loan without a prepayment penalty.

P O I NT

A point is a dollar amount paid to a lender for making a loan, each point being equal to one percent of the loan amount, also called a discount point.

R EALTO R

TITLE

A member of the National Association of Realtors who subscribes to a strict code of ethics.

Documentary evidence of the right to or ownership of property, which in real estate is the deed. Title may be acquired through purchase, inheritance, gift or exchange, as well as through foreclosure of a mortgage.

BERENICE BEJARANO KENTWOOD REAL ESTATE CHERRY CREEK

WE ARE DENVER REAL ESTATE TM

速

速

速

速

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.