Beautiful 3 bedroom 2.5 bath home with Lake Views in Wonderful Windsor Colorado! Walk to fishing and boat on the HOA's Lake,
3BR/2.5BA Single Family House
offered at $250,000
Year Built
2002
Sq Footage
2,120
Bedrooms
3
Bathrooms
2 full, 1 partial
Floors
2
Parking
2 Car garage
Lot Size
5,009 sqft
HOA/Maint
$20 per month
DESCRIPTION
Beautiful 3 bedroom 2.5 bath home with Lake Views in Wonderful Windsor Colorado! Walk to fishing and boat on the HOA's Lake, This home has just had New Carpet installed on the main level and stairs, Great Floorplan with Valted Ceilings, Gas Fireplace, Sprinklers, Air Conditioning, Finished Basement with included Flatscreen TV and surround sound. Updated Light fixtures. New Door. New Roof (2008) Got Real Estate?
Colorado foreclosure filings up sharply in September - In September, foreclosure filings in Colorado's cities rose 71.9% over September 2008. However, state officials said the big increase was partly due to a change in laws that temporarily reduced new filings last year. There were 3,480 foreclosure filings in Colorado urban areas last month. The state is now releasing "official" foreclosure statistics as called for earlier this year by the state Legislature. Thursday's report covers the seven counties of the Denver metro area, plus El Paso, Larimer, Mesa, Pueblo and Weld counties. In September, foreclosure filings were up 56.2% in Larimer to 203 and 100% in Weld County to 294, compared to September 2008. View the full September 2009 Metropolitan Foreclosure Report. http://www.bizjournals.com/denver/stories/2009/10/05/daily64.html
Resort Style Living, You can Stop Dreaming about living on a Golf Course with this Wonderful Home. 4 bedroom 3 bath. This wonderful Home Features.
4BR/2.5BA Single Family House
offered at $625,000
Year Built
Unspecified
Sq Footage
4,557
Bedrooms
4
Bathrooms
2 full, 1 partial
Floors
Unspecified
Parking
3 Car garage
Lot Size
Unspecified
HOA/Maint
$30 per month
DESCRIPTION
Resort Style Living, You can Stop Dreaming about living on a Golf Course with this Wonderful Home. 4 bedroom 3 bath. This wonderful Home Features, Double height ceilings, Open Kitchen, Loft, Main Floor Master Bedroom, Plus an Office, Day Light Basement. Enjoy Mountain Views from the back patio. Granite Countertops, Sprinkler, A/C Finished basement for room to grow. In ground Trampoline. 3 Car Garage. Got Real Estate? Call Marcus Valdez 970-231-0890
Large kitchen with Stainless appliances, Ethan Allen Window coverings. Huge Master bedroom with Walk in closet and 5 piece luxury bath.
4BR/3BA Single Family House
offered at $319,000
Year Built
2005
Sq Footage
3,672
Bedrooms
4
Bathrooms
3 full, 0 partial
Floors
2
Parking
2 Car garage
Lot Size
6,882 sqft
HOA/Maint
$42 per month
DESCRIPTION
Wonderful 4 bedroom 3 bath home in desirable Westchase Subdivision. Unfinished basement for room to grow. Large kitchen with Stainless appliances, Ethan Allen Window coverings. Huge Master bedroom with Walk in closet and 5 piece luxury bath. Third and Fourth bedroom share a jack and jill bath with changing table cabinet. Upper level laundry. Wonderful open floorplan. Sprinklers, AC, Mountain views! Got Real Estate?
September 1, 2009-(MCT)-Even the most responsible borrowers slip up sometimes. Maybe a utility bill went unpaid after you moved and the missed payment went into collections. Or, perhaps there are unpaid library fines or parking tickets in collections that are hanging onto your credit history and affecting your FICO credit score, which is widely used by lenders to evaluate your ability to repay a debt. With the newest version of the FICO credit-scoring system, however, minor delinquencies are now overlooked in calculating creditworthiness. Under the updated scoring model, called FICO 08, small, missed payments lingering in collections with original amounts of $100 or less will no longer do damage to your credit score. Consumers also are less likely to be penalized for any single delinquency if it occurred two or more years ago-and if their credit history is otherwise unblemished, says FICO, formerly Fair Isaac Corp., which developed the FICO scoring system.
"There's more flexibility with missing a payment," said Careen Foster, director of global scoring product management for FICO. "If you have a more habitual pattern of paying accounts late, you're more likely to get penalized for that." If a consumer's credit usage is high, that will be more likely to hurt his or her score with FICO 08. But getting close to your credit-card limits-even if you always pay on time-is penalized in some way in every FICO score, not only the recent edition, Foster said.
The new system has been available at all three credit bureaus-Experian, TransUnion and Equifax-since last month. The changes were made to provide lenders with a better risk assessment of borrowers, said John Ulzheimer, president of consumer education for Credit.com, a consumer education and advocacy site. FICO decided that one small library fine didn't really predict whether a consumer was likely to default, for example.
With the changes, individuals who pose a low credit risk will probably see their scores rise a bit, and those who are high risk could see their scores drop, he adds.
FICO 08 also addresses "piggybacking," a practice used by credit-repair companies to help people improve their scores, Ulzheimer said. In piggybacking, an individual pays to become an authorized user on a stranger's account. The account holder gets paid for allowing the person to be associated with the account, and the new authorized user is able to improve his or her credit score.
"It was a practice to misrepresent what your credit looks like to your bank," Foster said. FICO 08 aims to single out individuals who are named as authorized sources through deceptive means, Ulzheimer said. Those people won't see their credit scores rise as a result. But the scores of legitimate authorized users will be treated as they always have been.
Borrowers shouldn't expect their credit to be graded by this new scale on every loan they now apply for. Not all lenders have adopted the new model, though more than 400 lenders are using or testing FICO 08, the company said. In a statement, Equifax said, "Currently, many lenders and businesses are validating the new score within their systems, and adoption will vary by financial institution based on business requirements and market need."
Many credit-card companies, auto lenders, regional banks and credit unions may have already adopted FICO 08, Ulzheimer said. But for mortgages, lenders doing traditional conforming loans backed by Freddie Mac and Fannie Mae likely haven't made the move yet, he said. That's because they're waiting for Freddie and Fannie to approve its use. Freddie Mac and Fannie Mae "are essentially the lender, they're the ones that set the underwriting criteria," he said. Ulzheimer said he expects Freddie and Fannie to adopt FICO 08 by the end of the year. Fannie declined to comment on FICO 08; Freddie wasn't able to provide a comment prior to publication.
While FICO 08 will help consumers' credit scores in some cases, people still should take steps to improve their credit. Granted, it's impossible for consumers to calculate their FICO scores themselves, said Rodney Anderson, of Rodney Anderson Lending Services in Plano, Texas. "It's almost like the Coca-Cola formula. No one has access to the Coca-Cola formula, no one has access to the FICO formula," he said. But by being proactive, you can start to work toward a higher score, something that will serve you well every time you apply for a loan.
-Monitor your credit reports and correct errors. Look not only for negative events on your record, but also examine the credit limits to make sure they're accurate. If the credit limits appear lower on the report than they actually are, that has the potential to hurt your score.
-Pay bills on time and keep card balances low. Your payment history, and the amount you owe on your accounts as a ratio of the amount of credit you have access to, are important components of your score. FICO 08 is more sensitive to high credit usage, and consumers may see a lower score if their reported balance on one or more cards is near the account's limit.
-Take on new credit only when you need it. Some credit cards come with great offers, including a percentage off your bill if you sign up for one at the cash register. If you accept, make sure you're getting a big enough benefit to make it worthwhile-taking on additional credit could end up dinging your score
Fort Collins housing market stabilizing - Mirroring a positive national report released Tuesday, Fort Collins' housing market is stabilizing, and experts predict the future is bright. For the first time in three years, the S&P/Case-Shiller Home Prices Index recorded nearly a 3% quarter-over-quarter increase, indicating a shift in the housing slump. Locally, experts indicate that shift has been evident in the Fort Collins market for the past few months. In May, median sales price for residential increased nearly 7 percent to $245,000, while attached residential for June rose by 9.5 percent to $162,000. http://www.coloradoan.com/article/20090826/BUSINESS/908260328/Fort-Collins-housing-market-stabilizing
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New-home sales surge 9.6%, mortgage applications up - Two reports released today indicate that there is new life in the housing market. The Mortgage Bankers Association is reporting that mortgage loan applications increased a seasonally adjusted 7.5% the week ended Aug. 21 from a week earlier, as loan rates edged up. According to the Commerce Department, new home sales surged 9.6% in July from June. Home sales rose for a fourth straight month beating expectations. Sales rose to a seasonally adjusted annual rate of 433,000 from an upwardly revised June rate of 395,000. It was the strongest sales pace since September. There were 271,000 new homes for sale at the end of July, down more than 3% from May. At the current sales pace, that represents 7.5 months of supply - lowest since April 2007. http://www.usatoday.com/money/economy/housing/2009-08-26-mortgage-applications_N.htm
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Like many of other Americans i worry a lot about the new economy we are faced with. Jobs are being outsourced and lost. Unlike many others it is very possible i am a jerk (or realist) Why are we losing jobs to India and China? Well if you can get a PHD computer programmer in India for 1/3 the cost and he is smart and harder working and you have to pay nothing for his health care or 401 k why would you keep your American? he is too busy playing chess on Facebook to work? I am also not the guy who thinks that the government will fix the problem. Letting the government run health care or a car company or really anything other then war is like putting Enron in charge of your company. The government spends all the money plus triple on any budget and is slower and worse then any other solution. Can you imagine the paperwork and trouble we are about to face if the government takes over these problems? The solutions will look a lot like these pictures. Look i fixed the health care system. Now you only wait 6 months to maybe get a Dr who isn't any good but really how badly broken is your arm anyway? Now fill out this 100 sheet application for health care and we will let you know. How do you "create millions of new jobs that can't be shipped overseas." by disbanding the private health care system which employs 14 million people....
How do you buy a company for 2 times what it is worth when you have no idea how to run that company?Have you ever seen the Pontiac Aztec? If you get a chance look it up. it sorta looks like a porta-potty on wheels. This is the company the government overpaid for! Most people if they buy a foreclosure or something from an estate or bankruptcy want a good deal. That investor mindset is not alive and well in the government. They paid about 2 times what the car company was worth! Why are people not driving the Aztec? Because the accord is about 200 times better and costs less. Sorry for this rant but it might be time to look in the mirror and say "wow we are spoiled brats and now we want a fast solution but maybe there is not one so what do i do now to get through it?" My take is don't expect a solution that isn't like one of these fixes. rather decide to be better and work harder and smarter then the other guy and maybe your job will stay here. I would love to hear your take too!
An Evening With Gavin Mudd: In-Situ Uranium Mining; Myth versus Fact (August 18th)
Gavin Mudd, PhD, is an internationally known and respected expert on the environmental impacts and management of mining, particularly In Situ Leaching (ISL) uranium mining. He has traveled from his native Australia to share his expertise on this controversial subject. His talk will be held on Tuesday, August 18th at 7:00PM at the Fort Collins Senior Center (1200 Raintree Drive).
League of Women Voters of Larimer County Oppose Uranium Mine Near Nunn
July 27, 2009. The League of Women Voters (LWV) of the United States has a long history of fighting the pollution of natural resources in the interest of protecting the environment and public health. The LWV of Colorado has positions on both hazardous and radioactive materials and the wise and balanced use of water resources in Colorado. The League's position is that activities involving hazardous and radioactive materials should not take place in areas that supply drinking water, such as sole source aquifers, or in areas with significant renewable resource value, such as prime agricultural lands, aquifers, and significant grazing and forest lands.
Flashfloods Not Uncommon on Proposed Uranium Mining Site
On June 22nd, 2009 a severe evening thunderstorm set off tornado warnings in Larimer and Weld Counties. A tornado touched down four miles west of Pierce and tornado sirens went off in Nunn an hour later. Four inches of rain fell in Laporte, 3 inches in northern Fort Collins, and over 2 in Wellington. That storm system hit Jay and Robin Davis' home near Nunn at the base of Antelope Hill about 9pm, near where Powertech Uranium hopes to operate an in situ leach uranium mine.
July 9, 2009. Powertech announced that it has entered into two option agreements for the purchase of an aggregate of 3,585 acres of land, together with the associated water, mineral and lease interests, in Weld County, Colorado. The optioned properties are adjacent to the existing northern portion of the Company's Centennial Project.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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