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Rocky Mountain Gardening Tips for November

Remodeling, decorating, and more ∨

From Shabby Chic home decorations to contemporary furniture and the perfect wall mirror, browse thousands of decorating ideas to inspire your next home project.
Find inspiring decorating ideas, from tufted beds to custom window treatments, to help you redesign your bedroom.

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How much really are monthly payments?

Buyers often place too much importance on the price of a home, and not enough emphasis on a home’s actual cost. The graphic below illustrates how much a $100,000 home’s monthly payment increases by just slight increases in interest rates. Now imagine a $200,000 or $300,000 home, with payments being made over the typical term of 15 or 30 years loan.   YEAR 30 YEAR MORTGAGE P&I PAYMENT ON Int erest Rate $100,000 Mortgage ______________________________ __________________ 2003    6.15%    $609.23 2004    5.75%    $583.57 2005    5.77%    $584.84 2006    6. 40%    $625.51 2007    6.38% ...
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Before You Sell

Deciding to put your home on the market can bring on a wide range of emotions. You may feel excitement at the prospect of moving on or moving up. Some sellers feel anticipation about what the future holds and about what kind of deals buyers may bring to the table. On the opposite end of the spectrum you may be feeling sadness or even regret. That's because selling your house can feel a lot like selling your home . Any and all of these emotional responses are normal! In order to stick to your guns and to keep on the sunnier side of the selling process it's important to do five key things before you sell. Feeling prepared and in control of a situation is paramount in feeling good about your decision. Here are the five pre-selling tips: Organize Paperwork: You most likely have papers regarding any home warranties. Prospective buyers are going to want to have these. Having them ready for viewing is a great selling point. You might also consider putting together a list of cu...
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What is Appraised Value?

1. Appraisals provide an objective opinion of value, but it’s not an exact science so appraisals may differ. 2. For buying and selling purposes, appraisals are usually based on market value — what the property could probably be sold for. Other types of value include insurance value, replacement value, and assessed value for property tax purposes. 3. Appraised value is not a constant number. Changes in market conditions can dramatically alter appraised value. 4. Appraised value doesn’t take into account special considerations, like the need to sell rapidly. 5. Lenders usually use either the appraised value or the sale price, whichever is less, to determine the amount of the mortgage they will offer. If you would like a FREE home evaluation done on your home I am always available to accomadte you. I can also sign you up for a free service I offer to all my clients you can recieve an emailed report monthly since the market is always changing. Used with permission from Kim Daug...
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