https://activerain.com/blogs/toppriority en-us https://activerain.com/blogsview/2209502/adams-county-is-a-wonderful-place-to-live- Currently there are 115 HUD Owned Properties for sale in Adams county. They range in price from a low of $28,000 to $240,000. Most of the properties are listed with FHA financing or FHA 203K eligible. For a current listing of all the HUD Owned Properties in Adams County visit HUDhomestore.com. Many of the properties with pictures are advertised on craig's list and may be found by searching Top Priority Realty. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Sat, 26 Mar 2011 07:44:54 -0700 https://activerain.com/blogsview/2209502/adams-county-is-a-wonderful-place-to-live- https://activerain.com/blogsview/2110799/what-is-a-c-h-a-home-ownership-opportunity-program- Adams County is a wonderful place to live.  Adams County Housing Authority (ACHA) has been helping first time homebuyers purchase residential real estate since 1992. ACHA is now presenting First Time Home Buyers Down Payment Assistance Program "Smart" Home Buying 101. This is an excellent opportunity for first time homebuyers to become homeowners.   Participants in the program must meet income guidelines, attend an educational class prior to executing a sales agreement and purchase property in Adams county. Other restrictions may apply. Buyers contribution is 1% of the purchase price and ACHA's contribution to downpayment and closing costs will be $7000 per transaction total. This is grant money and is forgiven at 10% per year, over 10 years at 0% interest and no monthly payment is required. SMART stands for selecting, mortgages, affordable, responsible, today. All of the classes at ACHA are informative and educational. For all of the details and class times contact  Adams County Housing Authority located at 7190 Colorado Blvd, 6th floor, Commerce City, Co 80022 Phone 303-227-2075. www.adamscountyhousing.com. Equal Housing Opportunity. What does this mean to a first time homebuyer. The normal downpayment for a FHA loan is 3.5% of the purchase price. Closing cost can be in the 3-4% range of the purchase price. Examlple: purchase price $150,000. Downpayment would be $5250 and closing costs $4500-6000. The buyer would need $9750-11,250. Using the ACHA HOP Program the first time homebuyer would need $1500 (1%) and the remainder could be covered with the $7000 ACHA grant and a small seller contribution.  Are these numbers real? Currently there are 57 HUD Owned properties for sale in Adams County priced from $100,000 to $150000 and HUD will contribute up to 3% for closing costs. There are other bank owned properties in Adams County also from FannieMae and FreddieMac which will also contribute. The question is not if you can buy but when. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Mon, 31 Jan 2011 10:27:12 -0800 https://activerain.com/blogsview/2110799/what-is-a-c-h-a-home-ownership-opportunity-program- https://activerain.com/blogsview/2110604/wfmd-wright-farms--holly-crossing--jasmine-estates--brighton Special thanks to the Wright Farms Metropolitan District (WFMD) Board of Directors for their hard work. WFMD is responsible for the subdivisions of Wright Farms, Holly Crossing and Jasmine Estates. The area is approximately 120th ave on the south and 123rd on the north and Holly on the west and Newport on the East.  It is located on the north border of Thornton city limits.  Board meetings are held monthly at the new Anythink Wright Farms Library at 120th and Holly. For information on these meeting call the district hotline  @720-560-1984. The WFMD newsletter provided the following important phone numbers. Adams County Sheriff 303-654-1850. Animal Control 303-288-3294.  CO State Patrol 303-239-4501. Code enforcement 303-853-7151.  Northglenn Police Department 303-450-8892. Domestic Violence Hotline 1-800-799-7233. Poison Control Hotline 1-800-222-1222. Suicide Crisis 1-800-273-8255. Thornton Police Department 720-977-5150. Tri-County Health 303-452-9547. For information on current inventory of homes for sale in Wright Farms, Holly Crossing and Jasmine estates located in Brighton call Tom Hoffman @ Top Priority Realty 720-540-7800. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Mon, 31 Jan 2011 08:35:41 -0800 https://activerain.com/blogsview/2110604/wfmd-wright-farms--holly-crossing--jasmine-estates--brighton https://activerain.com/blogsview/2090827/hud-owned-properties-for-sale-in-brighton--colorado What is a HUD Owned property or better know as a HUD Home?  When someone with a federal Housing Administration (FHA) insured mortgage can't make the payments, the lender or note owner forecloses on the property. Since the loan is insured FHA pays the lender what is owed and the U.S. Dept of Housing and Urban Development (HUD) takes ownership of the property. HUD then sells the property at market value or less as quickly as possible.  Some of the homes will qualify for new government financing FHA) and some because of the condition will not. Currently there are approximately 26 HUD Owned Homes for sale in the Brighton, Colorado area. These homes range in price from $64,000 to $235,000. To get more information on these homes visit HUDhomestore.com and then call Tom Hoffman@ Top Priority Realty,720-540-7800. Tom is a HUD Authorized Broker. Authorized to advertise, show and sell HUD Owned Properties. All bidding is done electronically by an authorized agent. Top Priority Realty is not the listing agent on these homes but has helped many, especially first time homebuyers, become homeowners in the Brighton area. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Fri, 21 Jan 2011 06:52:06 -0800 https://activerain.com/blogsview/2090827/hud-owned-properties-for-sale-in-brighton--colorado https://activerain.com/blogsview/2081488/welcome-to-holly-crossing--brighton--colorado Holly Crossing is a quiet, tree lined residential neighborhood of approximately 650 single family homes. These homes were built in the early 1990's.  Holly Crossing is located just north of 120th ave and south of 123rd Circle. Bordered by Monaco on the west and Newport on the East in Adams County. It has a Brighton,Colorado mailing address and 80602 zip code.  Holly Crossing is part of the Wright Farms Metropolitan District which also includes Wright Farms and Jasmine Estates.  For more information about the district go to www.wrightfarmsmetropolitandistrict.com.  The new Anythink Library located at 120th and Holly is also part of the district.  Holly Crossing is an easy commute to Brighton, Boulder or downtown Denver. Currently there are 17 affordable homes for sale in Holly Crossing ranging in price from $135,000 to $215,000. Included in the 17 homes for sale are two HUD owned properties priced at $170,000.  Top Priority Realty is not the listing broker for these properties for sale but has represented several buyers who have purchased homes in Holly Crossing and is a HUD Authorized Broker. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Mon, 17 Jan 2011 05:37:55 -0800 https://activerain.com/blogsview/2081488/welcome-to-holly-crossing--brighton--colorado https://activerain.com/blogsview/2076344/is-hud-guilty-of-redlining Is the government agency,Housing and Urban Development(HUD), who so proudly shouts "Equal Opportunity" guilty of redlining and discrimination? What is REDLINING? Mortgage bankers and lenders are familiar with this term.   As defined by Wikipedia  Redlining is the practice of denying, or increasing the cost of services such as banking, insurance, access to jobs,[2] access to health care,[3] or even supermarkets[4] to residents in certain, often racially determined,[5] areas. The term "redlining" was coined in the late 1960s by John McKnight, a Northwestern University sociologist and community activist.[6] It describes the practice of marking a red line on a map to delineate the area where banks would not invest. Up until late November or early December HUD withdrew the $100 down incentive program for HUD Owned Properties or better known as HUD HOMES in Colorado. No one seems to know or will say exactly when the program was pulled. The $100 down program helped  literally hundreds of first time homebuyers and other owner occupants purchase foreclosed properties that were turned over to HUD. What does this have to do with REDLINING? The $100 down program is still active and being promoted in 9 other states and Puerto Rico and the Virgin Islands.   Currently in Colorado there are over 1300 HUD HOMES or as HUD would prefer them referred to as "HUD Owned Properties" listed and for sale. Over 500 of these homes are priced under $100k and 700 were priced between $100k and $200k. What do you think? Has HUD drawn a red line around 41 states saying they would rather sell the foreclosed homes that are now HUD Owned just in 9 states and Puerto Rico and the Virgin Islands? What, in the Department of Housing and Urban Development, makes the 9 states and two territories special? Why should HUD Owned Properties be harder to qualify to purchase and acquire financing in 41 states? Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Fri, 14 Jan 2011 05:56:18 -0800 https://activerain.com/blogsview/2076344/is-hud-guilty-of-redlining https://activerain.com/blogsview/1908346/new-brochure-from-the-u-s-postal-service This morning I received a brochure from the U.S. Postal service titled "Do you know the warning signs of Fraud?. I found the brochure to be very informative and thought it would be good to pass it on to AR. The brochure lists some warning signs for fraud. Warning signs like "Sounds to good to be true" or "Guarantees success" or "promises unusually high returns". It tells how to play it safe and gives several facts about fraud that I did not know and found to be usesful. Facts such as,"Your bank will never email or call you for your account number." Now one would think that was a no brainer but it is interesting how this question can be cleverly hidden to manipulate one into answering it.  Another fact was that foreign lotteries are illegal in the U.S. and you can't win regardless of what they say. The brochure lists the addresses, websites and phone numbers for the U.S. Postal Inspection Service and the Federal Trade Commission. It also has a wesite (deliveringtrust.com) with free videos. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Mon, 11 Oct 2010 11:26:32 -0700 https://activerain.com/blogsview/1908346/new-brochure-from-the-u-s-postal-service https://activerain.com/blogsview/1832696/chfa-helps-thornton-citizens-buy-homes This article was in the Summer 2010 edition of "Inside Thornton" Magazine. If you're tired of renting and are ready to take the next step to homeownership, there is help available for first-time homebuyers. The City of Thornton and Colorado Housing and Finance Authority (CHFA) provide first-time homebuyers interested in owning a home in Thornton, with opportunities for competitive fixed rate mortgages, down payment assistance, and tax credits.  A first-time homebuyer is someone who has not owned a home in the last three years. To qualify, you need to meet income and purchase price limits, complete a free homebuyer education course, have a minimum credit score of 580 and contribute $1,000 toward the purchase of the home. Learn more about CHFA at www.chfainfo.com or call CHFA's Denver office at 800-877-2432. Tom Hoffman, Broker/Owner (Top Priority Realty, LLC) Wed, 01 Sep 2010 10:50:48 -0700 https://activerain.com/blogsview/1832696/chfa-helps-thornton-citizens-buy-homes