Ben Edgson

Hey Chris,

I think it would be wise to sign up with a buyer’s agent. Then your buyer’s agent can deal with the listing agent, and you can avoid dealing directly from him/her. The seller pays the commission of the buyer's agent, so you're not out of pocket anything for working with one. If you need a good recommendation, I'd be happy to provide one for you.

If you need help with the financing, I'd also be happy to help.

Take care and good luck,

Ben Edgson
Mortgage Broker
By the Brooke Mortgage
ben@bythebrookemortgage.com
720.280.0441 - Mon Jun 30 2008, 17:59

Hi Lorri,

I have 100% financing available through a USDA program that is only available in select areas. If you can e-mail me the address, I can let you know if your property will qualify. Ben@bythebrookemortgage.com (or you can post it in this forum, whichever you are more comfortable with).

Thanks,

Ben Edgson
Mortgage Broker
720.280.0441
Ben@bythebrookemortgage.com - Mon Jun 23 2008, 15:47

Hi Melissa,

As a mortgage broker I've dealt with this situation many times and if you make enough money and have decent credit, you won't be restricted on LTV or even be required to provide a lease for your current property. Give me a call and I'll be happy to assess your situation and let you know if you qualify for the home that you're looking to buy -- 720.280.0441.

Lenders will be looking to make sure the move make sense, and that the new home is truly going to be owner occupied. They will do this by comparing the two homes, ideally you're moving up into a newer, more expensive, or bigger home. If you are downsizing, they will want an explanation as to why.

If you don't make enough money, and need the lease income to qualify, the rules change a bit. Lower LTVs and higher rates will most likely come into play.

I'd be happy to help you with your situation, and answer any of your questions. Feel free to call me today at 720.280.0441 or e-mail ben@bythebrookemortgage.com

Take care,

Ben Edgson
Mortgage Broker
By the Brooke Mortgage
ben@bythebrookemortgage.com - Sat Jun 21 2008, 10:23

Hi Lt,

Have you seen Google.com's street view feature? It gives you a great idea of what the area looks like. I'm sure you will have many responses from Realtors, but this way you can see it. Just go to google and type in the zip code then choose 'street view' it's a pretty fun little tool.

Good luck with your search,

Ben Edgson
Mortgage Broker - Wed Jun 18 2008, 12:05

Hi Greg,

I'm not a Realtor, but I do have friends that live in a couple areas up near where you're working and really like it. In both areas you can find new builds and homes that have only been lived in for a couple years. Both have commutes much less than 45 mins from where you are working.

The first is North of I-70 and Airport Blvd in Reunion. The website is: http://www.reunionco.com/. My friends that live in Reunion have a little boy and have been there just over a year. They love it. Homes are priced around $300,000 and you'll get good lot sizes and a nice home.

The other area you may want to look at is in Murphy Creek. It's a close commute and a growing area, as well as the home of the 7th best public golf course in America. I couldn't find a website dedicated to Murphy Creek, but if you google "Murphy Creek Colorado" you'll come across a bunch of home listings. I worked with a gentleman who had 3 kids and lived out there, and was very happy with it.

That gives you a couple more options, congratulations on the new job and best of luck to you in your search. If you'd like help with the financing of your home, please give me a call at 720.280.0441.

Take care,

Ben Edgson
Mortgage Broker
720.280.0441
ben@bythebrookemortgage.com - Mon Jun 16 2008, 14:46