Real Estate Market Confusing?

Need to ease the pain of an unstable and confusing real estate market?

David Ruch has a thorough understanding of complex issues in today’s turbulent real estate industry and knowledge of foreclosure avoidance options available to homeowners. David can helprovide solutions, specifically short sales, for homeowners facing market hardships. Homeowners regularly proceed without guidance of any kind through the often financially and emotionally devastating prospect of foreclosure. Speaking with a well-informed, licensed real estate professional is the best course of action for a homeowner in distress. Through comprehensive training and experience, David Ruch and his team have the tools to help homeowners find the best solutions for their unique situations and to avoid foreclosure through the efficient execution of a short sale. Living through financial difficulties poses a challenge for any family, so why make the process of finding a qualified real estate professional difficult too?

We don’t merely assist in selling properties, we also serve and help save clients in need. David Ruch has been in the real estate and lending business for over 26 years. David can help look at your credit score. If you would like to get preapproved or get get an idea of your price range or want more information on Short Sales or bank owned homes, call David today at (303) 840-9252. Call Today!! (303) 840-9252

Best Time to Re-Finance, Low Rates!

Best Time to Re-Finance

Mortgage Rates as All Time Low!

Take advantage of the low mortgage rates right now and purchase a home or re-finance your current home! The average 30-year fixed mortgage rate holding at the record low of 4.18 percent for the third consecutive week; the average 30-year fixed mortgage has an average of 0.35 discount and origination points. The average 15-year fixed mortgage inched up from last week's record, to 3.39 percent, while the jumbo 30-year fixed mortgage set another new low of 4.58 percent. The last time mortgage rates remained above 6 percent was back in November 2008. At the time, the average 30-year fixed rate was 6.33 percent, meaning a $200,000 loan would have required a monthly payment of $1,241.86. With the average rate now 4.18 percent, the monthly payment for the same size loan would be $975.70, a difference of $266 per month for anyone refinancing now.

Our company can re-finance with no cost to you, call today to inquire about purchasing a home or re-financing! David Ruch has been in the real estate and lending business for over 26 years. David can help look at your credit score. If you would like to get preapproved or get get an idea of your price range or want more information on Short Sales or bank owned homes, call David today at (303) 840-9252. Call Today!! (303) 840-9252

How Much Home Can I Afford?

Many buyers want to know how much home they can afford.There are a few factors that impact how much home you can afford. Some of those factors are: 1) What is your credit score?The higher the number you have concerning your credit score, the lower your interest rate will be. The lower your interest rate is, the lower your monthly house payment will be. Credit scores range from 300 to 850. All loans you have had in the past and how faithful you have been in making payments affect your credit score. If you would like to find out what your credit score is, call David Ruch today.He can help you find out what your credit score is and help you find a home with a credit score as low as 580. 2) How many dependants do you have? Dependants are how many people depend on you for financial help. Consider school costs, car payments and other monthly costs when determining your house payment budget. Make sure you leave some money in your budget for emergency funds. 3) Where would you like to live?Prices vary depending on which city and in which suburb you want to live. Sometimes just by changing the suburb you want to live in will give you more house for the money you are investing.

4) How much money do you have for a down payment on the home you are buying? The money you are using as a down payment needs to come from savings. The more money you can put down on the home you are purchasing, the lower your monthly payment will be. 5) What is the current interest rate? Interest rates are still very low and now is a great time to invest in a home. Lower interest rates will help keep your monthly payment lower. David Ruch has been in the real estate and lending business for over 26 years. David can help look at your credit score and see how much home you can afford. If you would like to get preapproved or need free financial advice, call David today at (303) 840-9252. Call Today!! (303) 840-9252

2707 VALMONT Rd -215D, Boulder, CO | Powered by Postlets

2707 VALMONT Rd -215D, Boulder, CO | Powered by Postlets

Check out this affordable condo in Boulder, CO!!!!!

Call us today at (303) 840-9252. Ask for David.http://www.real-estate-denver-colorado.com

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Listing Agent: Leisha White
Listing Office: New Millennium Homes, LLC

Factors that Impact your Property Value

Before listing your homes for sale, there are some things that you should consider concerning your home resale value.

The first thing that your potential home buyers will notice is the outside of the house or your lawn . Keep it mowed, trim bushes and trees that block the view of your home .

Maintenance is one of the essential factors that can reduce the value of the home . A home that is well maintained on the outside will give the buyers an feeling that it is almost certainly well-kept inside.

An overpriced home is unlikely to be appealing to potential buyers; they would not even bother checking out the property. Price your home right so it will not be staying in the market for long time .

The condition of your home can influence the property value including the size and the age of your home .

Poorly done renovation is expensive and can only reduce the value of your home . Chances are buyers will let you do the remodeling again or you will have to lower your offer .

For some buyers, the fixtures they found in your home give them a lifelong impression.

A bad neighborhood can also turn your potential buyer off. Home buyers also think about the safety of the neighborhoods and crime rates, therefore, if your property for sale is in an area with high crime rates can scare buyers away.

Easy access is one of the most important issues in most of the buyers such as the closeness to public transit, schools, hospitals and malls.

Everyone does not want to live in a property which is so close to airport and landfill . A crowded and polluted area never appeals to potential buyers . They do not also want to get a home in a flooded area . It is important for you to always make your best efforts to deal with the issues with your real estate property.

David Ruch has been in the real estate and nding business for over 26 years. He would love to help further explain what a short sale is.

David Ruch has been in the real estate and lending business for over 26 years. David can help look at your credit score. If you would like to get preapproved or need free financial advice, call David today at (303) 840-9252.

The Decision to Rent vs. Own

Call Today!!(303) 840-9252

A common question among people today is whether to rent vs. own a home. When a future home owner/renter is looking for a new place to live, there are factors that impact their decision on whether to Rent vs. Own their future home. There are three factors affecting this decision: historic behaviors, economic conditions, and demographic and lifestyle shifts. Most Americans desire to own their own home, in spite of the turmoil going on in the housing market today. Demographic trends show that the American household is shrinking, fewer married couples and less families with children. This trend along with the financial issues going on is influencing more people to rent instead of own a home. Eighty-nine percent of homeowners, as well as 44 percent of renters, believe they would be better off owning their homes,considering their current financial situation. Eighty percent of people prefer to live in a neighborhood where people own their homes. The desire to rent is primarily driven by the financial condition of the one looking for the home.	Fifty-one percent of people surveyed said that the housing crisis has not affected their willingness to purchase a home. Twenty-seven percent of the people said they are more likely to buy and 19 percent were more likely to rent Of those renting, 31 percent said they are more likely to rent as a result of the housing crisis, compared to 19 percent among overall responses. David Ruch has been in the real estate and lending business for over 26 years. He is available for a free consultation concerning the pros and cons of renting vs. owning. David Ruch has been in the real estate and lending business for over 26 years. David can help look at your credit score. If you would like to get preapproved or need free financial advice, call David today at (303) 840-9252.

Short Sale Pitfalls

When managing a short sale home, there are a few pitfalls and things to avoid. It's important to request the existing lender's information and request the loan number and bank info on a short sale home. As soon as you can, request the payoff information.

Some lenders provide a short sale

package. It's a good idea to request this information if available.

When handling short sale home, there are a few pitfalls and things to avoid.

Things to Avoid in a Short Sale

1. If the seller has a FHA loan, do not advise the seller to move out. It's a good idea for the seller to stay in the home.

2. Don't promise unrealistic

time deadlines.

3. Don't spend money on an appraisal until the lender has approved the short sale.

4. Don't send an incomplete

short sale package to the lender. There is a good chance it will get thrown out of the pile of considered offers.

Short Sales are more complex than normal real estate transactions. It's important not to make false promises about the short sale process.

If your offer is rejected by the lender, don't give up on the process. Many times you can resubmit the same offer. Sometimes lenders will do what's necessary to avoid foreclosure, so they might consider your offer the 2nd time.

The real estate industry will be dealing with short sales for many months to come. It's important to learn about things to avoid.

David Ruch has been in the real estate and nding business for over 26 years. He would love to help further explain what a short sale is.

When you find a home you would like to make an offer on, there are several types of loans that can be secured. David can help look at your credit scores and what loans would be best for you. If you are curious what your credit scores are and/or would like to see how expensive of a home you can buy, call David today at (303) 840-9252.