Team Black Bear’s
Real Estate Update Exceeding Your Highest Expectations in Service, Performance & Results!
P.O. Box 1651 Eagle, CO 81631 Joan Harned, Barbara Hogoboom, Laura Sellards, Angela Maxey & Liana Winans
December 2012
THE HABIT OF HAPPINESS
www.TeamBlackBear.com info@TeamBlackBear.com
How does real estate remotely relate to the “Habit of Happiness”?
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(970) 337-7777
Information contained in this newsletter is not guaranteed to be accurate. Prices subject to change without notice.
Mortgage Rates Are At An ALL-Time Low…AGAIN!
Listing Showcase (cont’d)...
T
he time to refinance or purchase a home is NOW! If reducing your monthly mortgage payment or going from a 30-year to a 15-year loan makes sense, do it now! Or, if you found that dream home, don’t wait, get into it at today’s low rate. In October Freddie Mac reported rates on a 30-year loan dropped to 3.37%. That became the lowest long-term mortgage rate since the 1950’s. Since then we have seen rates bounce up a bit, so the big question is can or will they go lower? So my advice to family, friends and clients is “Don’t wait, refinance or purchase today.” To find out if you can qualify for a “NoDown Payment” USDA loan or a “Low Down Payment” FHA or Conventional loan call Brian Nuernberger. 970.393.0485
NMLS 274331
Corp office located at 11941 W 48th Ave, Wheat Ridge, CO 80033 Regulated by the CO Division of Real Estate.
VAIL 2 adjoining lots available, .27 & .28 acre single family building sites. South views, north of I-70. $224,000 and $250,000
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DOTSERO 3 bed / 2 bath home near Eagle and Colorado Rivers. Great for the river enthusiast! $113,900
MCCOY 160 acres w/BLM on 3 sides, views. Great hunting. Water rights included. Rock Creek runs through property. $799,000
Happy Holidays
Architecturally Unique Mountain Zen home on large corner lot takes in the expansive views from every window. Open, flowing floor plan with multiple accesses to wrap around deck which brings the outside in! Huge main floor master and bath offers exceptional solace. Beautiful clear and wormy maple woodwork throughout, including built-ins. 10’ ceilings, stone fireplace, steam shower, heated bath floors, 3 car heated garage. Eagle Ranch offers many amenities for an active lifestyle! $780,000
(970) 337-7777 info@teamblackbear.com www.teamblackbear.com
n Charles Duhigg’s book, through the short sale process are Power of Habit…Why We already able to buy homes again at Do What We Do In Life low prices, and returning Veterans and Business, he says that all are able to use 100% VA loans on other things being equal, our housing that is now affordable. brains will try to make almost any routine into a habit. He According to Land Title Guarantee Company, so far this continues by saying There is a lot of year, real estate is +18% that some habits are “keystone habits” that good news, if we in dollar volume and “influence how we work, make it a habit +16% in number of transactions over 2011. eat, play, live, spend and to look for it. Finding the bright communicate.” side in our real estate market is a That being said, he goes on to choice that has become a habit for define how we go about changing Team Black Bear. We are here old habits and acquiring new ones to help our clients/friends work that will serve us well. If we chose through this market making the to focus on the fundamental best choices possible. emotion of happiness and then we attempt to apply this habit We thank each and every one of happiness to real estate, some of you for your friendship and people might think we have business and wish you a happy created a challenge, due to today’s Holiday Season and a 2013 market. Not so. There is a lot of filled with the joyous “habit of good news, if we make it a habit to happiness”! look for it. There have been untold *** opportunities taken advantage of What’s Inside by first-time homebuyers (some with 100% loans), investors are able to purchase rental properties TEAM BLACK BEAR’s to use for passive income for their retirement, young people are able Active Listings & to move up to a luxury home they could not afford in the past pricing Market Statistics bubble, many homeowners are refinancing at unheard of rates CALL TODAY for a FREE Market (below 4% fixed interest), some Analysis of your Property! clients who have had to go