Denver Colorado Real Estate Blog - Anthony Rael - Metro Brokers Arvada-Northwest

JUST LISTED - Custom 5-Bedroom Home in The Ridge at Harvest Lane - Arvada, CO 80005 - $499,950

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Fri, 18 Sep 2009 08:25:00 -0500

Custom Home for Sale in Arvada
12106 West 75th Lane
Arvada, Colorado 80005 - The Ridge at Harvest Lane
Arvada Real Estate & Custom Homes for Sale

Custom Home | 5 Bedrooms | Walkout Basement | Mtn. Views

Welcome to The Ridge at Harvest Lane in Arvada Colorado.
Step inside this spectacular CUSTOM-BUILT two-story home nestled in the highly desirable Arvada community - "The Ridge at Harvest Lane". Well-cared for by the original owners, this immaculate home boasts 4,200 finished sqft. and features 5 bedrooms, 5 baths, main-floor study, double-staircase, open floor plan, great room with gas fireplace, Jenn-Air appliances, 30' deck with mountain views, huge master bedroom suite with jetted soaking tub, walk-in closets, professionally finished walkout basement, wet-bar, oversized secondary bedrooms, formal living room, formal dining room, central air conditioning (A/C), slate tile concrete roof, 75-gallon water heater, mature landscaping, oversized 3-car garage & so much more!

Most people in the Arvada area know how well Bob Howe's custom homes are built! The exterior walls are framed with 2x6 construction & have blown-in insulation. This is one of five custom Howe-built homes in all of Harvest Lane. Don't miss this rare opportunity to own in a wonderful & quiet neighborhood with no through traffic. You'll love it here!

Won't last long, so you'd better submit an offer today!

Zillow.com - Listing Information for 12106 W 75th LN
Metro Brokers Online - Enhanced/Featured Listing
ReColorado.com Listing for 12106 W. 75TH LN.
Realtor.com Listing for 12106 West 75th Lane

View Photo Gallery /Virtual Tour
Property Map & Driving Directions -PDF
12106 West 75th Lane- Property Listing Brochure
Home Buyer's Toolbox
Frequently Asked Buyer & Seller Questions
New Home Communities & New Home Builders in Denver Metro Area

UNDER CONTRACT: 12511 Kearney Circle - Sage Creek/Ash Grove Farms - Thornton, CO 80602 - $270,000

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 08 Aug 2009 12:30:56 -0500

Welcome to 12511 Kearney Circle
3 Bedrooms | 3 Baths | Bonus Room + Office +Loft | Wow!

Welcome to Sage Creek / Ash Grove Farms in Thornton Colorado. This 2,938 square foot two-story home is an exceptional value. Featuring three bedrooms, office/study, huge bonus/game room and a loft area + an additional 819 square foot unfinished basement. You can't really understand or appreciate the size of this home until you walk through it. This home is not located in the larger (crowded) development to the North side of 126th, this one is tucked away in a private & quiet street (Kearney Circle) that is essentially a large loop of only 60 homes with a small park down the street & no neighbors behind - see map or photo gallery.

Built by Centex Homes in 2003, this near-new home also has a formal living room, formal dining room, light & bright kitchen with island & all appliances, solid hardwood floors, gas log fireplace, energy efficient double-pane windows, central air conditioning, upgraded berber carpeting, custom tilework in master bathroom, 5-piece bath with separate tub/shower + huge walk-in closet, two-car attached (oversized) garage & professional landscaping. Incredibly priced at $270,000 - that's about $92/sqft. The home is well cared for, available for quick possession and is in move-in condition. See property map, visit the photo gallery or view more homes & condos at SearchDenverHomesForSale.com. Won't last long!

First-Time homebuyers...here's an exceptional opportunity to purchase a gorgeous 2003 home in a wonderful, quiet and friendly community. This is not a bank-owned property of short-sale property listing, so why not take advantage of low prices & even lower mortgage interest rates and embrace your independence without getting in over your head. Time is running out to claim the $8,000 First-Time Homebuyer Tax Credit, so don't wait.

Zillow.com - Listing Information for 12511 Kearney Cir
Metro Brokers Online - Enhanced/Featured Listing
MetroBrokersOnline.com - 12511 Kearney Cir
ReColorado.com Listing for 12511 Kearney Cir.
Realtor.com Listing for 12511 Kearney Cir.
Shadow Ridge Middle School (across the street)

View Photo Gallery /Virtual Tour
Property Map & Driving Directions -PDF
12511 Kearney Cir - Property Listing Brochure
Home Buyer's Toolbox
Frequently Asked Buyer & Seller Questions
New Home Communities & New Home Builders in Denver Metro Area

Thornton, Colorado 80602 - Sage Creek / Ash Grove Farms
Thornton/Brighton Real Estate & Homes for Sale
Offered Exclusively by Anthony Rael, Thornton Realtor, Metro Brokers - Anthony Rael & Associates

SOLD 11250 Osage Cir #105 - Westminster, CO 80234 (3bed/3bath) - $199,950 - Highlands at Westbury Townhomes

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 02 May 2009 10:20:36 -0500

» PHOTO GALLERY / VIRTUAL TOUR FOR FOR 11259 OSAGE CIR. #105

Townhome Living at it's Finest! Offered at $199,950, this dramatic Two-Story "Avignon" Model is perfect for entertaining or relaxing after a long day at the office. Imagine yourself enjoying a morning latte' while surfing the internet or sipping a cold beverage as you watch the sunset from the private covered balcony just off the master bedroom suite. That's the good life you can expect at The Highlands at Westbury Townhomes in Westminster.

Westbury is an upscale community offering a wealth of style & luxury in a quiet, prestigious & scenic neighborhood. Featured community amenities include: swimming pool, jacuzzi, clubhouse, tennis, volleyball & basketball courts as well as walking trails and dog park as part of the HOA.

The value at 11250 Osage Circle #105 is outstanding and it's also one of the lowest-priced 3-bedroom townhomes at Westbury. Write an offer before it's too late!

Located only 15 minutes to "lo-do" and offers convenient access to I-25 or US36 to the Boulder flatirons. Nearby shopping, dining & entertainment are also available at The Flatirons Mall or the new Orchard Town Center Shopping Mall at 144th & I-25 in Westminster.

This 1,521 square foot townhome is loaded with all the features any new homeowner could possibly expect - including:

» Air Conditioning
» Stainless Steel Kitchen Appliances Included
» Gas Log Fireplace in Family Room
» Master Bedroom Retreat w/ Private Balcony
» Second Floor Laundry w/ Washer & Dryer Included
» 2-Car Attached Garage with Additional Parking in Front
» 42" Upper Cabinets in Kitchen
» 5-Piece Master Bathroom w/ Walk-in Closet
» Dual Sinks in Master Bath
» Neutral Paint & Upgraded Carpeting
» Covered Front Porch
» Breakfast Bar
» Built-in Plant Shelf
» Cathedral/Vaulted Ceilings
» Covered Front Deck/Patio
» Dining Room
» Living/Family Room
» Walk-in Closet(s)
» No Neighbors Behind You (backs to open area)
» No Neighbors Directly in Front of You (for additional privacy)
» South-facing Lot Provides Bright & Sunny Feel

Don't get tied into "incentives" that require you to use the builder's lender just to get all of the above options & upgrades. This home already has everything and only requires a $1,000 earnest money deposit. Adams County & CHAFA offer down payment & closing cost assistance as well as historically low interest rates, so there's no reason to wait any longer! Additionally, First-time Homebuyers are also eligible for an $8,000 tax rebate! Call (303) 520-3179 for more information.

Westminster Homes/Condos for Sale - 11250 Osage Circle #105 - Highlands at Westbury Townhomes Offered Exclusively by Anthony Rael, Arvada Realtor, Metro Brokers - Anthony Rael & Associates

***SOLD***
11250 Osage Circle #105
Westminster, CO 80234
Highlands at Westbury Townhomes for Sale

» PHOTO GALLERY / VIRTUAL TOUR
» REQUEST MORE INFORMATION
» MAP TO THIS HOME
» CITY OF WESTMINSTER SERVICES
» HOME
» BROCHURE

»11259 OSAGE CIR. #105 - REALTOR.COM
»11259 OSAGE CIR. #105 - ZILLOW.COM

USE MY MORTGAGE
PAYMENT CALCULATOR

COMMUNITY AMENITIES:
» Access to Trails & Bike Paths
» City & Mountain Views
» Community Pool & Clubhouse
» Easy Access to Mountains
» Garbage Pickup
» HOA Maintained Landscaping
» Minutes from Grocery Shopping
» Minutes from Two Shopping Malls
» Near Legacy Golf Course
» Parks
» Close To Schools
» Pool & Jacuzzi
» Tennis Courts
» Volleyball Courts
» Basketball Courts
» RTD Bus Access

SOLD -> 1114 W. 135th LN - Westminster, CO 80234 - 2003 MODEL HOME - $295,000

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Fri, 24 Apr 2009 22:37:36 -0500

1114 West 135th Lane, Westminster Colorado 80234
Westminster Colorado Real Estate - Home for Sale
Offered Exclusively by Anthony M. Rael, Denver Realtor, Metro Brokers Arvada-Northwest
TAKE A VIRTUAL TOUR | Listing Details | Quail Crossing #3 in Westminster 80234

Reduced to $295,00

** This is NOT a Foreclosure, Bank-Owned or Short-Sale Property**

MODEL HOME... This two-story home features 1,976 finished square feet including 3 Bedrooms, 3 Bathrooms, 3-car Tandem Garage, formal living room, huge family room and an amazing kitchen that’s perfect for entertaining. Plus, there’s an additional 783 square foot unfinished basement for additional storage space.

Featured as one of the builder models at Quail Crossing in 2003, this home is loaded with upgrades including Stainless Steel GE Profile appliances, gorgeous 3” red oak hardwood floors, tiled countertops & backsplashes, oak kitchen cabinets with roll-out shelves, gas-burning fireplace, upgraded light fixtures throughout, a master bedroom suite with deep soaking tub, double sinks and a huge walk-in closet, plush berber carpet/pad, brushed nickel hardware, custom Hunter Douglas window treatments, Kenmore Elite Washer/Dryer & so much more!

This home is in move-in condition and needs absolutely nothing! Contact your real estate agent or our office to schedule a showing before it's too late. Don't miss your opportunity to purchase this home at 2003 prices!

Attention First-time Homebuyers - purchase this home and you may be eligible
for a Tax Rebate up to $8,000 under the new 2009 Economic Stimulus Package!

Take a virtual tour and see for yourself!
3 Bedroom Home for Sale - 1114 West 135th Lane - Westminster, CO 80234
Take a Virtual Tour
| Quail Crossing #3 in Westminster 80234

1114 West 135th Lane, Westminster Colorado 80234
Westminster Colorado Real Estate & Homes for Sale
Offered Exclusively by Anthony M. Rael, Metro Brokers Arvada-Northwest

Marketed Exclusively by
Anthony M. Rael

Metro Brokers - Anthony Rael & Assoc.

303-520-3179

http://www.anthonyrael.com/
www.metrobrokersnorthwest.com

Attention Buyers --- Did You Know?

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Mar 2009 16:03:05 -0500

>  a 10% drop in housing prices is wiped out by a 1/2% interest rate hike!
>  The Denver Metro area is rated as the #2 recovering housing market in the nation.
>  Denver Metro area home inventory is down ~40% from the same time last year.
>  FHA financing only requires a 3.5% down payment & $100 down on HUD homes!
>  a First-time buyer is ANY purchaser who has not owned a home for at least 3 years
>  several Colorado down payment assistance programs are available now!

Visit my Homebuyer Resources at www.anthonyrael.com or www.SearchDenverHomesforSale.com

_____________________
Anthony Rael & Assoc.
Denver REALTOR
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 520-3179
www.anthonyrael.com

Incentives for First-time Homebuyers & 2009 FHA Loan Limits & Down Payment Assistance

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Mar 2009 15:50:58 -0500

2009 Economic Stimulus Package!
Incentives for First-time Homebuyers & 2009 FHA Updates

President Obama signed off on the 2009 Economic Stimulus Package in Denver, Colorado in late February. Specific to real estate, a few details from the plan include:

First-time Homebuyers who purchase a home in 2009 (Jan 1 - Nov 30) may qualify for a tax credit of up to $8,000 or 10% of the purchase price, whichever is less.
It's important to note that a "first-time homebuyer" has been defined as someone (either spouse if filing jointly) who has not owned a principle residence for the past three years prior to the purchase.
You must own the home for at least 3 years (36 months) in order to avoid a repayment or recapture penalty.
There are income limitations. In order to qualify for the full tax credit, a single taxpayer must have a modified adjusted gross income less than $75,000/year. For married couples, the limitation is $150,000 or less. If your income exceeds these levels, you may still qualify for a partial tax credit. Additionally, married couples who qualify for the first-time tax credit who file separately, would each claim 5% of the home purchase or up to $4,000 each (whichever is less) on their 2009 tax returns. Consult with your tax attorney or CPA for specific details.
Investment properties, rentals and secondary properties are NOT eligible for the tax credit.
Co-signers DO work, even if parent owns a home. Income limit is not clear, but we'll assume $150,000 for combined occupant/co-signer
Recapture Provision - If you sell the property within three years, the ENTIRE amount of the tax credit you received is recaptured (paid back) at the time of sale. I strongly advise you to seek advice from your accountant, CPA or the IRS to determine how this entire tax credit applies to you

Unlike the "Housing and Economic Recovery Act of 2008" - which was essentially a 15-year interest-free loan - this is a true tax credit. You will not be required to pay this tax credit back if you live in the house at least 36 months. This $8,000 tax rebate is good news for First-time Homebuyers who may be sitting on the fence to make the big move. Prices are low, inventory is plentiful and interest rates on 30-year fixed-rate FHA loans are still at 5%. Now is the perfect time to purchase a home in the Denver Metro area! Combine my cash rebates & incentives along with the US President Obama's stimulus package and save even more! Visit my Buyer Toolbox or start searching for your dream home today!

New FHA Loan Limits in Colorado for 2009

The FHA Loan Limit for Adams County has Increased to $406,250 - (Denver-Aurora)
The FHA Loan Limit for Arapahoe County has Increased to $406,250 - (Denver-Aurora)
The FHA Loan Limit for Boulder County has Increased to $460,000 - (Boulder)
The FHA Loan Limit for Broomfield County has Increased to $406,250 - (Denver-Aurora)
The FHA Loan Limit for Denver County has Increased to $406,250 - (Denver-Aurora)
The FHA Loan Limit for Douglas County has Increased to $406,250 - (Denver-Aurora)
The FHA Loan Limit for Jefferson County has Increased to $406,250

FHA

The minimum down payment for FHA loans in 2009 is 3-1/2%
HUD Properties listed as FHA "Yes" are NOT always FHA Insurable (ie: inspection items)
Foreclosure "ok"...as long as it's been 3 years from date of PT Deed or date of paid claim
No seller down payment assistance allowed!
Seller and/or interested party concessions up to 6% of sales price

The American Recovery and Reinvestment Act of 2009*

How will these new increased FHA loan limits effect new home buyers?
The new higher loan limits will allow FHA loans (which require a low 3.5% down payment) to be
available for a greater range of home price options where conventional loans (requiring 10-20%
down) would normally have been the only available option for financing.

How can FHA help me buy a new home?
FHA insured mortgages offer many benefits that only come with FHA:

Easier to Qualify: Because FHA insures your mortgage, lenders may be more willing to give you loan terms that make it easier for you to qualify.
Less than Perfect Credit: You don't have to have a perfect credit score to get an FHA mortgage. In fact, even if you have had credit problems, such as a bankruptcy, it's easier for you to qualify for an FHA loan than a conventional loan.
Low Down Payment: FHA loans have a 3.5% down payment and that money can come from a family member, employer or charitable organization as a gift. Other loan programs don't allow this. FHA loans also require no cash reserves in many cases.
Costs Less: FHA loans have competitive interest rates because the Federal government insures the loans. Always compare an FHA loan with other loan types.
Competitive Rates & Terms: Compared with other lower down payment programs, FHA interest rates are similar. In some cases FHA loans offer lower overall monthly payments when including its lower cost of monthly mortgage insurance vs. PMI (Private Mortgage Insurance).
Non-occupying co-borrowers are allowed: such as family members that are needed to help you in qualifying for your loan, but won't actually be living with you in your new home.
Helps You Keep Your Home: The FHA has been around since 1934 and will continue to be here to protect you. Should you encounter hard times after buying your home, FHA has many options to help you keep you in your home and avoid foreclosure.

Who qualifies for FHA financing?
To be eligible for an FHA loan, you must have a valid social security number and have lawful residency in the United States (US Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens) and be of a legal age to sign on a mortgage in your state. Lenders will verify income, assets, liabilities, and credit history for all parties on the loan. FHA's mortgage programs do not typically have maximum income limits for qualifying, although you must have sufficient income to qualify for the mortgage payment and other debts. Income limits may be present when qualifying for down payment assistance or other secondary financing programs that may be used in along with an FHA loan.

Is FHA just for First-time Homebuyers?
Although it's known as a popular first-time homebuyer program, FHA is not restricted to first-time homebuyers. An FHA loan can be an excellent choice for anyone buying a new home including buyers who have used FHA mortgages in the past.

If I've had credit problems in the past, will this hurt my chances of being approved on an FHA loan?
As a general rule of thumb after having credit problems (such as bankruptcy or foreclosure
in the past), you should be in a situation where you've made your payments on time for at
least the past 12-24 months for an FHA loan.

Can FHA financing be used to purchase second homes or investment property?
NO. FHA financing may only be used to purchase a primary residence and is currently not used
for second homes or investment properties.

Can gift funds come from the seller, lender or other interested party?
The gift donor may not be a person or entity with an interest in the sale of the property, such
as the seller, real estate agent or broker, builder, or any entity associated with them. Gifts
from these sources are considered inducements to purchase and must be subtracted from
the sales price for mortgage calculation purposes.

The exceptions to this rule are:
1. When parents are the sellers.
2. When the real estate agent is a relative.
Is it acceptable to get a loan for the down payment?

Funds can be borrowed for the total required investment as long as satisfactory evidence is
provided that the funds are fully secured by investment accounts or real property. Such
assets may include stocks, bonds, automobiles, collections, real estate (other than the
property being purchased), etc.

In addition, certain types of loans secured against deposited funds, such as signature loans,
the cash value of life insurance policies, loans secured by 401(k)s, etc., in which repayment
may be obtained through extinguishing the asset; do not require consideration of a
repayment for qualifying purposes. However, in such circumstances, the asset securing the
loan may not be included as assets to close or otherwise considered as available to the
borrower.

An independent third party must provide the borrowed funds. The seller, real estate agent or
broker, lender, or other interested third party may not provide such funds. Unacceptable borrowed funds include signature loans, cash advances on credit cards, borrowing against household goods and furniture and other similar unsecured financing.

Contact me to learn more about these new FHA rules and how they can help you get the home of your dreams. It really has never been a better time to buy a home. Prices have "corrected" or adjusted to more practical levels & interest rates are still at historic lows.

*This information is provided for general awareness only, and is not intended for the purpose of providing legal, accounting, financial, tax advice or consulting of any kind. Please consult with your lender for complete details on any lending program.

Down Payment Assistance Programs
Homebuyers, there are still plenty of State & local programs available to provide down payment assistance. Contact me or your mortgage broker for current funding options.

Colorado Housing & Finance Authority (CHAFA) - 3% of loan amount
- not limited to first-time homebuyers
- income limits apply
- Adams, Denver, Douglas & Jefferson County = $85k/year (single) & $97,700 (2 person)
- no purchase price limitations
- $1,000 required investment (this is the minimum amount required from you)
- no cash back at closing!
Colorado Housing Assistance Corp - (CHAC)
- Denver & Jefferson County
- income limits apply
- up to $10,000 with three repayment options
City of Aurora - 5% and closing costs - up to $10,000
- for properties located in the City of Aurora
- income limits apply
Adams County Housing Authority
- down payment, closing costs & pre-paids
- income limits apply
March 2009 - 620 FICO score from at least one buyer required

_____________________
Anthony Rael & Assoc.
Denver REALTOR
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 520-3179
www.anthonyrael.com

Homeowner Affordability and Stability Plan

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Mar 2009 15:43:53 -0500

Frequently Asked Questions - Homeowner Affordability and Stability Plan

> 2009 Economic Stimulus Plans - $8,000 Tax Rebates Incentives for First-time Homebuyers
> 2009 FHA Changes & Down Payment Assistance

Borrowers Who Are Current on Their Mortgage Are Asking:

What help is available for borrowers who stay current on their mortgage payments but have seen their homes decrease in value?
Under the Homeowner Affordability and Stability Plan, eligible borrowers who stay current on their mortgages but have been unable to refinance to lower their interest rates because their homes have decreased in value, may now have the opportunity to refinance into a 30 or 15 year, fixed rate loan. Through the program, Fannie Mae and Freddie Mac will allow the refinancing of mortgage loans that they hold in their portfolios or that they placed in mortgage backed securities.

I owe more than my property is worth, do I still qualify to refinance under the Homeowner Affordability and Stability Plan?
Eligible loans will now include those where the new first mortgage (including any refinancing costs) will not exceed 105% of the current market value of the property. For example, if your property is worth $200,000 but you owe $210,000 or less you may qualify. The current value of your property will be determined after you apply to refinance.

How do I know if I am eligible?
Complete eligibility details will be announced on March 4th when the program starts. The criteria for eligibility will include having sufficient income to make the new payment and an acceptable mortgage payment history. The program is limited to loans held or securitized by Fannie Mae or Freddie Mac.

I have both a first and a second mortgage. Do I still qualify to refinance under the Homeowner Affordability and Stability Plan?
As long as the amount due on the first mortgage is less than 105% of the value of the property, borrowers with more than one mortgage may be eligible to refinance under the Homeowner Affordability and Stability Plan. Your eligibility will depend, in part, on agreement by the lender that has your second mortgage to remain in a second position, and on your ability to meet the new payment terms on the first mortgage.

Will refinancing lower my payments?
The objective of the Homeowner Affordability and Stability Plan is to provide creditworthy borrowers who have shown a commitment to paying their mortgage with affordable payments that are sustainable for the life of the loan. Borrowers whose mortgage interest rates are much higher than the current market rate should see an immediate reduction in their payments. Borrowers who are paying interest only, or who have a low introductory rate that will increase in the future, may not see their current payment go down if they refinance to a fixed rate. These borrowers, however, could save a great deal over the life of the loan. When you submit a loan application, your lender will give you a "Good Faith Estimate" that includes your new interest rate, mortgage payment and the amount that you will pay over the life of the loan. Compare this to your current loan terms. If it is not an improvement, a refinancing may not be right for you.

What are the interest rate and other terms of this refinance offer?
The objective of the Homeowner Affordability and Stability Plan is to provide borrowers with a safe loan program with a fixed, affordable payment. All loans refinanced under the plan will have a 30 or 15 year term with a fixed interest rate. The rate will be based on market rates in effect at the time of the refinance and any associated points and fees quoted by the lender. Interest rates may vary across lenders and over time as market rates adjust. The refinanced loans will have no prepayment penalties or balloon notes.

Will refinancing reduce the amount that I owe on my loan?
No. The objective of the Homeowner Affordability and Stability Plan is to help borrowers refinance into safer, more affordable fixed rate loans. Refinancing will not reduce the amount you owe to the first mortgage holder or any other debt you owe. However, by reducing the interest rate, refinancing should save you money by reducing the amount of interest that you repay over the life of the loan.

How do I know if my loan is owned or has been securitized by Fannie Mae or Freddie Mac?
To determine if your loan is owned or has been securitized by Fannie Mae or Freddie Mac and is eligible to be refinanced, you should contact your mortgage lender after March 4, 2009.

When can I apply?
Mortgage lenders will begin accepting applications after the details of the program are announced on March 4, 2009.

What should I do in the meantime?
You should gather the information that you will need to provide to your lender after March 4, when the refinance program becomes available. This includes:

information about the gross monthly income of all borrowers, including your most recent pay stubs if you receive them or documentation of income you receive from other sources
your most recent income tax return
information about any second mortgage on the house
payments on each of your credit cards if you are carrying balances from month to month, and
payments on other loans such as student loans and car loans.

Borrowers Who Are at Risk of Foreclosure Are Asking:

What help is available for borrowers who are at risk of foreclosure either because they are behind on their mortgage or are struggling to make the payments?
The Homeowner Affordability and Stability Plan offers help to borrowers who are already behind on their mortgage payments or who are struggling to keep their loans current. By providing mortgage lenders with financial incentives to modify existing first mortgages, the Treasury hopes to help as many as 3 to 4 million homeowners avoid foreclosure regardless of who owns or services the mortgage.

Do I need to be behind on my mortgage payments to be eligible for a modification?
No. Borrowers who are struggling to stay current on their mortgage payments may be eligible if their income is not sufficient to continue to make their mortgage payments and they are at risk of imminent default. This may be due to several factors, such as a loss of income, a significant increase in expenses, or an interest rate that will reset to an unaffordable level.

How do I know if I qualify for a payment reduction under the Homeowner Affordability and Stability Plan?
In general, you may qualify for a mortgage modification if (a) you occupy your house as your primary residence; (b) your monthly mortgage payment is greater than 31% of your monthly gross income; and (c) your loan is not large enough to exceed current Fannie Mae and Freddie Mac loan limits. Final eligibility will be determined by your mortgage lender based on your financial situation and detailed guidelines that will be available on March 4, 2009.

I do not live in the house that secures the mortgage I'd like to modify. Is this mortgage eligible for the Homeowner Affordability and Stability Plan?
No. For example, if you own a house that you use as a vacation home or that you rent out to tenants, the mortgage on that house is not eligible. If you used to live in the home but you moved out, the mortgage is not eligible. Only the mortgage on your primary residence is eligible. The mortgage lender will check to see if the dwelling is your primary residence.

I have a mortgage on a duplex. I live in one unit and rent the other. Will I still be eligible?
Yes. Mortgages on 2, 3 and 4 unit properties are eligible as long as you live in one unit as your primary residence.

I have two mortgages. Will the Homeowner Affordability and Stability Plan reduce the payments on both?
Only the first mortgage is eligible for a modification.

I owe more than my house is worth. Will the Homeowner Affordability and Stability Plan reduce what I owe?
The primary objective of the Homeowner Affordability and Stability Plan is to help borrowers avoid foreclosure by modifying troubled loans to achieve a payment the borrower can afford. Lenders are likely to lower payments mainly by reducing loan interest rates. However, the program offers incentives for principal reductions and at your lender's discretion modifications may include upfront reductions of loan principal.

I heard the government was providing a financial incentive to borrowers. Is that true?
Yes. To encourage borrowers who work hard to retain homeownership, the Homeowner Affordability and Stability Plan provides incentive payments as a borrower makes timely payments on the modified loan. The incentive will accrue on a monthly basis and will be applied directly to reduce your mortgage debt. Borrowers who pay on time for five years can have up to $5,000 applied to reduce their debt by the end of that period.

How much will a modification cost me?
There is no cost to borrowers for a modification under the Homeowner Affordability and Stability Plan. If you wish to get assistance from a HUD-approved housing counseling agency or are referred to a counselor as a condition of the modification, you will not be charged a fee. Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance.

Is my lender required to modify my loan?
No. Mortgage lenders participate in the program on a voluntary basis and loans are evaluated for modification on a case-by-case basis. But the government is offering substantial incentives and it is expected that most major lenders will participate.

I'm already working with my lender / housing counselor on a loan workout. Can I still be considered for the Homeowner Affordability and Stability Plan?
Ask your lender or counselor to be considered under the Homeowner Affordability and Stability Plan.

How do I apply for a modification under the Homeowner Affordability and Stability Plan?
You may not need to do anything at this time. Most mortgage lenders will evaluate loans in their portfolio to identify borrowers who may meet the eligibility criteria. After March 4 they will send letters to potentially eligible homeowners, a process that may take several weeks. If you think you qualify for a modification and do not receive a letter within several weeks, contact your mortgage servicer or a HUD-approved housing counselor. Please be aware that servicers and counseling agencies are expected to receive an extraordinary number of calls about this program.

What should I do in the meantime?
You should gather the information that you will need to provide to your lender on or after March 4, when the modification program becomes available. This includes:

information about the monthly gross income of your household including recent pay stubs if you receive them or documentation of income you receive from other sources
your most recent income tax return
information about any second mortgage on the house
payments on each of your credit cards if you are carrying balances from month to month, and
payments on other loans such as student loans and car loans.

My loan is scheduled for foreclosure soon. What should I do?
Contact your mortgage servicer or credit counselor. Many mortgage lenders have expressed their intention to postpone foreclosure sales on all mortgages that may qualify for the modification in order to allow sufficient time to evaluate the borrower's eligibility.

> 2009 Economic Stimulus Plans - $8,000 Tax Rebates Incentives for First-time Homebuyers
> 2009 FHA Changes & Down Payment Assistance

_____________________
Anthony Rael & Assoc.
Denver REALTOR
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 520-3179
www.anthonyrael.com

> 2009 Economic Stimulus Plans - $8,000 Tax Rebates Incentives for First-time Homebuyers
> 2009 FHA Changes & Down Payment Assistance

Colorado Housing Market Showing Healthy Signs

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Thu, 12 Mar 2009 19:59:52 -0500

Finally TWO great biits of local news...

Colorado foreclosures fall in 2008 for 1st time in years:
Colorado foreclosure activity fell last year for the first time since the state began collecting data in 2003, according to a report released Monday by the Colorado Division of Housing.

S&P: Denver had smallest 2008 home-price decline of 20 U.S. cities:
The monthly S&P/Case-Shiller Home Price Indices said average prices of existing homes in Denver fell 4 percent between December 2007 and December 2008, less than any of the other 19 cities in the report.

Dreaming of Denver:
If you jumble together the five most popular American metro areas - Denver, San Diego, Seattle, Orlando and Tampa - you get an image of the American Dream circa 2009. These are places where you can imagine yourself with a stuffed garage - filled with skis, kayaks, soccer equipment, hiking boots and boating equipment. These are places you can imagine yourself leading an active outdoor lifestyle.

_____________________
Anthony Rael & Assoc.
Denver REALTOR
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 520-3179
www.anthonyrael.com

Banks Entering the Real Estate Business - Forget About It!

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Thu, 12 Mar 2009 19:29:10 -0500

The banking industry has proven hundreds of billions of times over that they are not capable of regulating themselves, so we (consumers & agents) should all be pleased that this debate has finally been put to rest because it appears that after an eight-year battle, the war between Banks and the Real Estate industry has come to an end!

On Wednesday Congress passed an appropriations bill that would permanently ban the Treasury Department and Federal Reserve Board from finalizing a 2000 proposal to let banks into the brokerage business. The National Association of Realtors (NAR) believes it is a victory for consumers in protecting the separation of banking and commerce and maintaining a competitive real estate environment.

We can now resume our regular programming.

4.59 Acres with Panoramic Views in Franktown, Colorado 80116 - Pinewood Knolls - $249,900

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sun, 01 Mar 2009 14:49:56 -0600

$249,900
Denver MLS #747380

452 Nob Hill Trail, Franktown, Colorado 80116 - Franktown, Colorado Real Estate - Land for Sale
Offered Exclusively by Anthony M. Rael, Denver Realtor, Metro Brokers Arvada-Northwest

Just Listed --- Pinewood Knolls
Colorado LAND For Sale
452 Nob Hill Trail, Franktown, Colorado 80116
VISIT THE PHOTO GALLERY

Location, location, location...... this is your opportunity to own a little slice of heaven. The panoramic views from the top of this 4.59 acre property are simply breathtaking! Words can not begin to describe the photos you are about to see - climb the hill and gaze at the unobstructed views from as far as the eye can see in all directions. It's that amazing!

Build your dream home and let your horses run free on this premium lot in the quiet Pinewood Knolls community. Paved public roads lead you right up to the property. Natural gas, electricity & cable are available. Pine trees surround the front and sides of the property for absolute privacy. Bring your own plans & your own builder and create your dreams. Take a peek at the photo gallery - then bring an offer before it's too late!

$249,900
Take a virtual tour and see for yourself!
VISIT THE PHOTO GALLERY

Contact info:

Marketed Exclusively by
Anthony M. Rael

Metro Brokers - Anthony Rael & Assoc.

303-520-3179

http://www.anthonyrael.com/
http://metrobrokersonline.terabitz.com/agents/Anthony.Rael

_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

_______________________________________________________________________________________________
Anthony Rael is a Denver Real Estate Agent specializing in relocation, first-time buyers, home property values, residential home sales, Denver Colorado Real Estate & MLS/IDX Listings, single family homes, condos, lofts, short-sale, foreclosed, bank-owned & investment properties. Providing professional & trustworthy real estate services to buyers & sellers throughout the Denver metro area including Arvada, Brighton, Broomfield, Denver, Golden, Highland/Sloan's Lake, Highlands Ranch, Lakewood, Louisville, Longmont, Thornton, Westminster, Wheat Ridge, Adams County, Denver County, Douglas County & Jefferson County in Colorado.

Rocky Mountain News - R.I.P.

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 28 Feb 2009 17:08:15 -0600

Reality set in when I walked down the driveway this morning to pick up my Saturday morning paper and realized that "The Rocky" is gone - forever. Wow...150 years in Colorado and poof - vanished as if it never existed. The world is certainly changing and things will never be the same again. This is truly a sad day in Denver.

I know many of the reporters on a personal level and my heart goes out to them & their families. It's just a sign of the times. Rocky Mountain News - R.I.P. :-(

Granite Countertops - are you concerned?

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Wed, 25 Feb 2009 11:20:27 -0600

There's been a lot of discussion over the past year regarding granite countertops and some recent studies which claim that small amounts of radon gas are showing up at higher than normal levels in kitchens.

Are you the least bit concerned about it personally (in your own home) and more importantly, do you advise your buyers of this *potential* hazard? How about sellers, would you consider suggesting to them to have the kitchen tested for radon levels BEFORE listing the home so they could take steps to mitigate it if needed? It would seem to me that spending $150 on a test (which you hope comes back favorably) and placing a copy of the report on the counyter would help put buyers at ease. Sure, a buyer could have the test done as part of the inspection, but why not take a pro-active approach? The fact that a possibility for high radon levels in kitchens with granite may exist, makes me wonder if we have any obligation (ethical or legal) to have this discussion with our clients. I'd love to hear your thoughts.

The only way to know if radon levels from your granite countertops or your home in general are at safe levels is to test for them. For more info on radon gas, check out the EPA website.

- anthonyr
_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

______________________________________________________________________
Anthony Rael is a Denver Real Estate Agent specializing in relocation, first-time buyers, home property values, residential home sales, Denver Colorado Real Estate & MLS/IDX Listings, single family homes, condos, lofts, short-sale, foreclosed, bank-owned & investment properties. Providing professional & trustworthy real estate services to buyers & sellers throughout the Denver metro area including Arvada, Brighton, Broomfield, Denver, Golden, Highland/Sloan's Lake, Highlands Ranch, Lakewood, Louisville, Longmont, Thornton, Westminster, Wheat Ridge, Adams County, Denver County, Douglas County & Jefferson County in Colorado.

Denver Ranked #11 in "Most Walkable Neighborhoods"

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Wed, 25 Feb 2009 09:58:28 -0600

According to walkscore.com, here are the Top 15 Most Walkable Neighborhoods in America

1. San Francisco - Chinatown, Financial District, Downtown
2. New York - Tribeca, Little Italy, Soho
3. Boston - Back Bay-Beacon Hill, South End, Fenway-Kenmore
4. Chicago - Loop, Near North Side, Lincoln Park
5. Philadelphia - City Center East, City Center West, Riverfront
6. Seattle - Pioneer Square, Downtown, First Hill
7. Washington D.C. - Dupont Circle, Logan Circle, Downtown
8. Long Beach - Downtown, Belmont Shore, Belmont Heights
9. Los Angeles - Mid City West, Downtown, Hollywood
10. Portland - Pearl District, Old Town-Chinatown, Downtown
11. DENVER - Lodo, Golden Triangle, Capitol Hill
12. Baltimore - Federal Hill, Fells Point, Inner Harbor
13. Milwaukee - Lower East Side, Northpoint, Murray Hill
14. Cleveland - Downtown, Ohio City-West Side, Detroit Shoreway
15. Louisville - Central Business District, Limerick, Phoenix Hill

The "Walk Score" is a little widget that is starting to appear on many real estate websites including Zillow and local MLS/IDX listing websites. It basically tells you how close any particular location is to nearby amenities (businesses, parks, schools, places of worship, etc.). They ranked 2,508 neighborhoods and although I think Denver is a wonderful place to live, I had no idea it would rate so high. Check the site out and see where you city ranks.

How Much Did Your House Cost?

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Tue, 24 Feb 2009 19:25:23 -0600

Before you come down hard on me for having the audacity of asking this question, I want to make it clear that I really don't care what you paid. The point want to make was how some buyers would answer this question and solicit your thoughts on the subject.

For example, imagine you paid $300,000 with $10k down in 2001, then later re-financed during the HELOC boom in 2003 in which you could borrow up to 125% LTV. With all that cash burning a hole in your pocket, you went out and bought a new SUV, paid down a few credit cards and even managed to squeeze in an all-inclusive trip to Cancun. Would you still think you paid $300k for your house or would you have the mindset that you paid $350k...after all, that's the note you're paying on every month?

I'd also be really curious to know if you feel like the price you paid for your home (after living there 10+ years) is based on what you purchased it for OR what you paid XYZ years ago PLUS all of the interest paid to date. There's no right right or wrong answer - just different perspectives.

- anthonyr
_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

Megan Aller - Metrolist

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Tue, 24 Feb 2009 12:29:02 -0600

Just a quick shout out to MEGAN ALLER. She has presented dozens of classes for our office the past few years - including today on Prospecting & Mapping. She really understands the technology and is able to break it down into bite-sized pieces for the technically-challenged agents in our office. We appreciate her professionalism and willingness to share tips & tricks of the ever-changing PrimeAccess features. MetroList is so fortunate to have her on staff!

____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 520-3179
www.anthonyrael.com

Schwab adding 500 jobs in Douglas County

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Feb 2009 18:49:45 -0600

Schwab to add 500 jobs in Douglas County: Charles Schwab Corp. will bring 500 new jobs to Colorado by 2011. The San Francisco-based brokerage (NASDAQ: SCHW), which currently employs 1,300 people in the state, is looking into reorganizing amid the global financial crisis, said Sherri Kroonenberg, senior vice president of Schwab Investor Services. While the company will pare down its total workforce, Schwab's footprint in the state will ultimately be larger.

Schwab will be looking for information-technology specialists with an average salary of $75,000 a year. The positions will be recruited from both inside and outside of the company. Read more about the announcement here: http://denver.bizjournals.com/denver/stories/2009/01/12/daily55.html?surround=etf

- anthonyr
_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

"Denver is the most desirable city in America!"

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Feb 2009 18:44:34 -0600

We're Number One: The Pew Research Center's new survey says, "Denver is the most desirable city in America!" Forty-three percent of those in the survey say Denver was the city they would most like to live in if they had a choice of living in the nation's top 30 cities. In the top five Denver was followed by Seattle, San Diego, Tampa and Orlando. The bottom five, all east of the Mississippi were Cleveland, Cincinnati, Kansas City, Minneapolis and Detroit. The full story can be read here: http://www.kdvr.com/news/kdvr-denver-top-city012909,0,4773717.story

-anthony
____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

_______________________________________________________________________
Anthony Rael is a Denver Real Estate Agent specializing in relocation, first-time buyers, home property values, residential home sales, Denver Colorado Real Estate & MLS/IDX Listings, single family homes, condos, lofts, short-sale, foreclosed, bank-owned & investment properties. Providing professional & trustworthy real estate services to buyers & sellers throughout the Denver metro area including Arvada, Brighton, Broomfield, Denver, Golden, Highland/Sloan's Lake, Highlands Ranch, Lakewood, Louisville, Longmont, Thornton, Westminster, Wheat Ridge, Adams County, Denver County, Douglas County & Jefferson County in Colorado.

Real Estate Market Update for January 2009

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Feb 2009 17:09:14 -0600

Overall Denver metro area closed residential and condo transactions where down by 17% when comparing Jan '09 to Jan '08. The average sold price dropped to $230,878 a 17.9% decrease over this time last year. The good news is that inventory is remaining low compared to last year and number of new listings is down by 22%. The average days on market was 99, a decrease of 12% and absorption rate in Denver real estate market showed a slight decrease to 7.7 months.

-anthony

_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

New Website Helps Buyers Find the Perfect Home

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Feb 2009 16:57:38 -0600

Searching for a Home In Denver Colorado?

I am pleased to announce the release of my new enhanced real estate listing website (compliments of Metro Brokers Colorado). Touted as one of the most advanced real estate websites in Colorado! Unlike most other real estate websites, our new website does NOT require you to register FIRST in order to view property or listing information.

If you'd like to sign up to receive listing notices via e-mail, you can, but once again it is not a requirement. Search for homes throughout the entite Denver Metropolitan area or even throughout the state of Colorado from the comfort of your home. The website is so powerful that I hope it's not too overwhelming. Please visit the site and give me some feedback.

Click the the link above to see all the MLS/IDX properties listed for sale in Denver, Colorado including single family homes, condos, townhomes, lofts, land, short-sale, foreclosed, bank-owned and investment properties. Locate Denver area homes & properties for sale by type, price range, subdivision, city, zip code, bedrooms, baths and more! Registration is not required to enjoy the site, however you can opt to signup to save your favorite property listings, get home values or have daily e-mail alerts for new property listings sent to you - you're in control.

Using the new & improved Metro Brokers home search website, you can search tens of thousands of Colorado & Denver Metropolitan area MLS/IDX property listings in a list or map view to:

» see complete listing details for all types of properties available through the MLS/IDX
» view high resolution pictures
» view virtual tours & photo galleries
» contact me for more information or schedule a showing
» get directions & create your own personalized house tour
» explore different neighborhoods
» check out school districts, neighborhood schools & get C-SAP scores
» research recent sales & request a FREE market analysis
» locate amenities such as as shopping, dining, places of worship, hospitals & more!
» Contact Metro Brokers REALTOR Anthony Rael regarding any home or property you find online - regardless of which real estate agent or real estate brokerage firm the property is listed by.

Good luck with your home search!
Anthony Rael
_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

WordPress Blogging Users - BEWARE!

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Sat, 21 Feb 2009 14:32:24 -0600

For those of you who run your own WordPress blogs on your personal websites, I thought I'd share a couple of links that remind you to be mindful that these are software applications and need to be updated or you risk being hacked. Don't wait until it's too late, update your blog software installtion or have your webmaster doing it. But don't roll the dice and wait and see what happens because your credibility could get harmed very quickly if you are not proactive.

http://www.techcrunch.com/2008/06/11/my-blog-was-hacked-is-yours-next-huge-wordpress-security-issues/

http://agentgenius.com/?p=6185

SOLD 1114 West 135th Lane - Westminster, CO 80234 - MODEL HOME!

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Thu, 19 Feb 2009 13:36:57 -0600

1114 West 135th Lane - Westminster, CO 80234 - Quail Crossing #3
Offered Exclusively by Anthony M. Rael, Denver Realtor, Metro Brokers Arvada-Northwest

Just Listed --- Quail Crossing #3
3-Bedroom Single Family - 2-Story Home
SOLD @ $295,000

MODEL HOME... This two-story home features 1,976 finished square feet including 3 Bedrooms, 3 Bathrooms, 3-car Tandem Garage, formal living room, huge family room and an amazing kitchen that's perfect for entertaining. Plus, there's an additional 783 square foot unfinished basement for additional storage space.

Featured as one of the builder models at Quail Crossing in 2003, this home is loaded with upgrades including Stainless Steel GE Profile appliances, gorgeous 3" red oak hardwood floors, tiled countertops & backsplashes, oak kitchen cabinets with roll-out shelves, gas-burning fireplace, upgraded light fixtures throughout, a master bedroom suite with deep soaking tub, double sinks and a huge walk-in closet, plush berber carpet/pad, brushed nickel hardware, custom Hunter Douglas window treatments, Kenmore Elite Washer/Dryer & so much more!

This lovely home is nestled on a premium lot that backs up to the green belt, walking trails & park. The area boasts plenty of amenities from shopping, dining, entertainment & schools. Only 1/2 mile to I-25 for easy access to downtown Denver, Boulder & Loveland/Fort Collins.

Attention First-time Homebuyers - purchase this home and you may be eligible
for an Tax Rebate up to $8,000 under President Obama's Economic Stimulus Package!

3Bedroom Single Family - 2-Story Home
SOLD @ $295,000

Year Built - 2003
Builder - Holladay Group
Style - 2-Story Contemporary
Sq Footage - 1,976 + 783 sqft bsmt. (unfinished, but insulated)
Bedrooms - 3
Bathrooms - 3
Floors - Solid Red Oak Hardwoods
Parking - 3 Car garage (attached/oversized/tandem)
Appliances - Stainless Steel GE Profile
City/County - Westminster, CO (Adams)

SOLD @ $295,000

Offered Exclusively by Anthony M. Rael, Metro Brokers Arvada-Northwest

Contact info:

Marketed Exclusively by
Anthony M. Rael

Metro Brokers - Anthony Rael & Assoc.

303-520-3179

http://www.anthonyrael.com/
http://metrobrokersonline.terabitz.com/agents/Anthony.Rael

1114 West 135th Lane - Westminster, CO 80234 - MODEL HOME!

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Thu, 19 Feb 2009 13:14:53 -0600

$309,684 MLS
#744219

1114 West 135th Lane, Westminster Colorado 80234 - Westminster Colorado Real Estate - Home for Sale
Offered Exclusively by Anthony M. Rael, Denver Realtor, Metro Brokers Arvada-Northwest

Anthony M. Rael | Metro Brokers - Anthony Rael & Associates | 303-520-3179

Just Listed --- Quail Crossing
1114 West 135th Lane - Westminster, CO 80234
TAKE A VIRTUAL TOUR | MLS#744219
3-Bedroom Single Family - 2-Story Home
offered at $309,684

Attention First-time Homebuyers - purchase this home and you may be eligible
for an Tax Rebate up to $8,000 under President Obama's Economic Stimulus Package!

3Bedroom Single Family - 2-Story Home
offered at $309,684

Year Built - 2003
Builder - Holladay Group
Style - 2-Story Contemporary
Sq Footage - 1,976 + 783 sqft bsmt. (unfinished, but insulated)
Bedrooms - 3
Bathrooms - 3
Floors - Solid Red Oak Hardwoods
Parking - 3 Car garage (attached/oversized/tandem)
Appliances - Stainless Steel GE Profile
City/County - Westminster, CO (Adams)
Brochure - PDF Flyer

PROPERTY FEATURES

Great Location...

1,976 Finished Square Feet (2-Story) with an additional 783 sqft. unfinished basement (insulated).
Quality-built home loaded with upgrades throughout
Master Bedroom Suite with Deep Soaking Tub, Double Sinks, Mountain Views & Huge Walk-in Closet
Oversized 3-car attached garage (tandem) motorcycle, ATV or workshop. Custom shelving is included!
Excellent Adams County School District - schools include Arapahoe Ridge Elementary, Silver Hills Middle & Legacy High
Stainless Steel GE Profile Appliances (included)
Kenmore Elite Washer & Dryer (included)
Energy Efficient Low-e Double Pane Windows
Premium lot with no neighbors behind you...yard backs to green belt, walking trail & Quail Crossing Park!
Central Heating & Air Conditioning (A/C) & more...
TAKE A VIRTUAL TOUR | MLS#744219

ADDITIONAL PHOTOS

see additional photos here

offered at $309,684

1114 West 135th Lane, Westminster Colorado 80234
Westminster Colorado Real Estate - Home for Sale
Offered Exclusively by Anthony M. Rael, Metro Brokers Arvada-Northwest

see additional photos here

Contact info:

Marketed Exclusively by
Anthony M. Rael

Metro Brokers - Anthony Rael & Assoc.

303-520-3179

http://www.anthonyrael.com/
http://metrobrokersonline.terabitz.com/agents/Anthony.Rael

Hard times‏

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Mon, 02 Feb 2009 19:36:07 -0600

I am a very positive person, but a friend of mine sent this to me and it was pretty funny so I thought I'd share because everyone can use a good chuckle now and then...

Hard times‏

Notice:
Due to recent budget cuts and the rising cost of electricity, gas and oil, as well as current real estate market conditions, the "Light at the End of the Tunnel" has been turned off. We apologize for the inconvenience.

Who Cares About Falling Interest Rates?

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Thu, 31 Jan 2008 13:46:15 -0600

The Fed rate cuts, glut of homes on the market and overall price reductions will certainly jump-start market activity throughout the country, but it still seems to me that more and more people have already been squeezed out of the housing market and it breaks my heart to know that so many people who really want to become homeowners may never get the chance.

Please don't think I'm being negative - the opposite is true. I became a REALTOR because I am passionate (almost to a fault) about helping people realize the dream of homeownership. I've done well with my personal real estate investments over the past 20 years and I truly want everyone else to realize the dream and experience the joys and freedoms of homeownership. The world is full of the "have" & "have nots" and I just don't want to see more people getting left behind because it's simply not affordable.

7051 Zenobia St. - 5 Bed + 3 Bath - Westminster, CO - Lakeview Estates - $214,950 (SOLD)

Anthony Rael - Denver Homes for Sale (Metro Brokers Arvada-Northwest) — Mon, 28 Jan 2008 13:30:18 -0600

Your search for the perfect one-story ranch home ends here! This super-clean starter home features 2,200+ finished square feet with a total of 5-Bedrooms, 3-Bathrooms and a full-finished basement which includes a dedicated 5.1 home theater room with tiered seating platform plus an oversized recreation room with free pool table. Priced to Sell Quickly at this Price - Don't Wait!

The light & bright kitchen features white cabinetry, all appliances, breakfast bar seating and large attached dining area with huge picture window overlooking the backyard. All window coverings are included. You will love entertaining your guests on the huge covered patio - complete with ceiling fan, cable pre-wiring and roll-down shades. Mature landscaping with trees & perennials plus front & rear sprinkler system & shed in the backyard. Two-car attached garage with plenty of additional off-street parking.

Stop wasting time looking at all the fixer-uppers around town --- this home is in perfect move-in condition and comes with a One Year Buyer's Home Warranty for your peace-of-mind. Take additional comfort in knowing that the air-conditioner, hot water heater, gutters, & some double-pane windows have been recently replaced.

The Lakeview Estates subdivision is conveniently located in central Westminster (bordering Arvada) with easy access to schools, parks, dining, shopping & major transportation. Commute times average 15-minutes to Boulder, Flatirons Mall & "lo-do" and easy access to "the hill" at Blackhawk & Central City.

- anthonyr
_____________________
Anthony Rael & Assoc.
Metro Brokers Arvada-Northwest
12191 West 64th Ave, #210
Arvada, CO 80004
(303) 524-3990
www.anthonyrael.com

Denver Colorado Real Estate Blog - Anthony Rael - Metro Brokers Arvada-Northwest

JUST LISTED - Custom 5-Bedroom Home in The Ridge at Harvest Lane - Arvada, CO 80005 - $499,950

UNDER CONTRACT: 12511 Kearney Circle - Sage Creek/Ash Grove Farms - Thornton, CO 80602 - $270,000

Welcome to 12511 Kearney Circle3 Bedrooms | 3 Baths | Bonus Room + Office +Loft | Wow!

**SOLD** 11250 Osage Cir #105 - Westminster, CO 80234 (3bed/3bath) - $199,950 - Highlands at Westbury Townhomes

*SOLD* -> 1114 W. 135th LN - Westminster, CO 80234 - 2003 MODEL HOME - $295,000

Attention Buyers --- Did You Know?

Incentives for First-time Homebuyers & 2009 FHA Loan Limits & Down Payment Assistance

Homeowner Affordability and Stability Plan

Colorado Housing Market Showing Healthy Signs

Banks Entering the Real Estate Business - Forget About It!

4.59 Acres with Panoramic Views in Franktown, Colorado 80116 - Pinewood Knolls - $249,900

Rocky Mountain News - R.I.P.

Granite Countertops - are you concerned?

Denver Ranked #11 in "Most Walkable Neighborhoods"

How Much Did Your House Cost?

Megan Aller - Metrolist

Schwab adding 500 jobs in Douglas County

"Denver is the most desirable city in America!"

Real Estate Market Update for January 2009

New Website Helps Buyers Find the Perfect Home

WordPress Blogging Users - BEWARE!

*SOLD* 1114 West 135th Lane - Westminster, CO 80234 - MODEL HOME!

1114 West 135th Lane - Westminster, CO 80234 - MODEL HOME!

Hard times‏

Who Cares About Falling Interest Rates?

7051 Zenobia St. - 5 Bed + 3 Bath - Westminster, CO - Lakeview Estates - $214,950 (SOLD)

Welcome to 12511 Kearney Circle
3 Bedrooms | 3 Baths | Bonus Room + Office +Loft | Wow!

SOLD 11250 Osage Cir #105 - Westminster, CO 80234 (3bed/3bath) - $199,950 - Highlands at Westbury Townhomes

SOLD -> 1114 W. 135th LN - Westminster, CO 80234 - 2003 MODEL HOME - $295,000

SOLD 1114 West 135th Lane - Westminster, CO 80234 - MODEL HOME!