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Buying & Lending
What is a Buyer's Agent and why should I have one?
A buyer’s agent works for the buyer and is available to show properties that are listed by other agents, for sale by owner properties, new builds, and sometimes even properties that aren’t on the market.

A buyer’s agent can offer professional advice on selecting a property or neighborhood, as well as negotiate on the buyer’s half to get the best possible deal. As a bonus – the sellers of a property pay the brokers’ commissions, making these services absolutely free to the buyer.

A buyer’s agent has access to lots of “top secret” real estate tools that are unavailable on a typical internet search. A buyer’s agent can find out if a property is involved in litigation, if there are crime problems in an area, how a particular school or district ranks, as well as general information about a property or neighborhood.

Do I need to get pre-qualified or pre-approved for a loan before looking for a home?
Yes. Going house-hunting without first getting pre-approved is like test-driving and falling in love with a car that you can’t afford. It’s a much better feeling to know that you can comfortably afford every house that you walk into, instead of falling in love with your dream home that you ultimately won’t be able to buy.
Can you help me buy a new home from a builder?
Of course! It’s always a good idea to work with an agent, even when considering the purchase of a new construction home, so that you have someone who is truly on your side during negotiations and the transaction. While the sales representatives at the model homes can be helpful, they work directly for the building company and have those interests in mind first. Your agent’s commission fees are paid by the builder – there’s no cost to you!
I would like to go look at home for sale. How do I do that?
As long as you have not already signed a buyer agency agreement with another real estate agent, I can show you any home listed for sale in the Denver Metro area – even for sale by owner homes and new construction homes. Give me a call at 720-891-9000 and I will find out details on the property for you, answer any questions you may have, and set the showing at a time that is convenient for you.
Does your website system search the entire state?
Our system searches the Denver Metro MLS, the Northern Colorado MLS, and the Colorado Springs MLS. It will not pull information from any other areas of Colorado. Our database automatically updates at 4:00 every morning and is the most accurate online search tool available.
How much money do I have to put down?
This will largely depend on the type of loan you procure from your lender. Some programs only require 2-5% of the purchase price down, while the standard conventional loan requires 20% down. If you have the cash, many people will choose to put down even more than that as to make their monthly mortgage lower.
What if I have bad credit?
In many cases, you may still be able to purchase a home with bad credit. Just because one lender said you won’t be able to buy doesn’t necessarily mean that is true. Thanks to our relationships with many different lenders and mortgage companies, we have been able to help many buyers purchase a home who had been turned down before.
If I buy a house through you, who pays you?
As a Buyer’s Agent, my commission fees are paid by the seller of the property. My services are absolutely free to you as the buyers.
Do I need to get a home inspection?
You do not have to get a home inspection, but it is highly recommended that you do. The cost of the home inspection is nominal compared to the costs that you may incur should you find out something is wrong after the closing. During the inspection, a trained and licensed professional will go through every little detail of the property looking for things that don’t work, are installed incorrectly, need replacement, or don’t meet safety standards. This also gives you the chance to terminate your purchase contract if the repairs are beyond what you are willing to pay for or deal with in the future.
When should I start looking for a home?
You may find your dream home in one day or it may take several weeks to find the right one for you. We recommend that you start looking for a home about 2 months before your desired move date. Of course, in a “hot” market you may want to start looking even earlier than that as it may be harder to get an offer accepted.
How long does it usually take from the time I found a house until I own it?
A standard transaction usually closes within 30 days of going under contract. However, the timeline can be made shorter or longer if both the buyer and seller agree to it.
What is a contingency?
A contingency is something stated in the contract that must be fulfilled in order for the transaction to successfully close. For example, if you are only able to buy a new home if you sell your current home first, the contract to buy your new home may state that the purchase is “contingent” upon the sale of your current home.
What is a Short Sale?
A Short Sale home is a property that is about to going into foreclosure. The proceeds from selling the property will fall short of the balance of the debts owed, yet the mortgage holder is allowing the property to sell at market value. It may take longer for a Short Sale purchase to close, sometimes up to several months.
What is a HUD home?
A HUD home is a residential property that was acquired by HUD as a result of a foreclosure action on an FHA-insurance mortgage. HUD becomes the property owner and offers it for sale to recover the loss on the foreclosure claim (from
What is radon and why should I test for it?
Radon is a cancer-causing, radioactive gas that has no smell or taste. It can be found all over the US but Colorado has a higher incidence of it than many other states. Testing is inexpensive, easy, and is the only way to know if radon is present in your home.
What is earnest money?
Earnest money is just that – money to prove to the seller that you are “earnest”, or serious, about buying their home. Earnest money is usually 1-2% of the offer price and will be in the form of a personal or cashier’s check. Once your offer has been accepted earnest money will be required to be submitted to the listing agent or title company within 72 hours.
Why should I use a realtor to help me buy a home?
A realtor is an invaluable tool during your home-buying journey. Realtors have many resources to assist you in your home search and can provide objection information to help you select a property. They can also help determine your buying power, negotiate a great deal, provide due diligence during the evaluation of a property, and much more.
What is a Listing Agent and why should I have one?
A listing agent works for the seller and will help you through every stage of this complex process. A listing agent will determine a reasonable asking price, help get your home ready to show, market your home, provide security with showings, negotiate on your behalf, and monitor your transaction through to closing. Between the initial agency agreement and the closing, questions may arise. For example, there could be unexpected repairs that require the buyer to obtain financing, or a cloud on the title could be discovered. The required paperwork alone is overwhelming for most sellers. Your agent is the best person to objectively help you resolve these issues and move the transaction to closing.
How do I get started?
Give Marty a call at 720-891-9000 today. He’ll have some quick questions for you to determine what your real estate goals are and how our team can help you reach those goals.
What are the steps involved in selling my house?
The first step is to have a meeting with Marty at your home to discuss the listing price and your desired timeline. Next, you’ll need to make any repairs and clear out any clutter in your home in preparation for the professional photography appointment. A couple of days before going Active on the market, Marty will install a lock box on your front door and a For Sale sign in your yard. Once we get the photos back your home will go on the market within 1-2 business days.
Do I really need to stage my home to sell it?
No, but it does help homes seller faster and for more money. Decluttering, removing personal items like photos, and rearranging furniture can make a home feel bigger and more inviting. It also makes it easier for a potential buyer to feel like they found the home they can see themselves living in. Not to mention, it makes the photos of your property look amazing! Most buyers start their house hunt online, so photos are your chance at making a great first impression.
If I sell my home through you, who pays you?
Commissions for the listing and buying agent come out of the sale proceeds (the fees aren’t added to the home’s purchase price). The widely used and accepted real estate sale commission in Colorado is 6%, which is then split 3.2% to the listing agent and 2.8% to the buying agent.
What are the costs involved in selling my home?
Fees vary depending on the type of property as well as what is negotiated in the sale. Some costs include lender fees, escrow fees, and repairs for any items found during the home inspection.
What is a contingency?
A contingency is something stated in the contract that must be fulfilled in order for the transaction to successfully close. For example, if you are only able to buy a new home if you sell your current home first, the contract to buy your new home may state that the purchase is “contingent” upon the sale of your current home.
What factors can influence the price of my home?
There are many factors that can help determine the asking price of your home, including condition, upgrades, renovation potential, unique features, functionality, location, school district, market trends, and the number of properties on the market at the same time.
If you determine the listing price for my home and I think it’s too low, can we raise it?
It’s my experience in this market that if you have a property that needs repair or updating, the best way to get top dollar is to put it on the market at an attractive price and then (often) we get multiple offers and sell it above list price for the highest price possible. I’ve done this several times in the last few years and it has worked out each and every time. No guarantees of course, but I’ve definitely seen it work. Ultimately the market will tell you if you’ve over priced it or under priced it. I rather get as many people interested as reasonably possible than go on the market too high and miss the boat.
What are the dangers if I overprice?
When a property is overpriced, windows of opportunity are missed. Broker and buyer interest is at its highest when a property is initially placed on the market. But if the property is priced above realistic market value, the excitement and number of showings are greatly reduced. Later, it may be necessary to adjust the price below market value to compete with new, competitively priced listings.
How will buyers be attracted to my property?
We market our listings through a variety of avenues, including a yard sign, a mobile phone brochure, flyers, open houses, door-knocking, and syndication to over three hundred real estate websites including Zillow and Trulia. We also post photos and information about homes for sale to our company website and Facebook page.
What is my role in the selling process?
As the home-owner, you have a very important role in the home selling process. There are several ways your participation can contribute to a successful sale, including maintaining the property, ensuring the property is easily accessible for showings, securing any pets, and limiting conversations with buyers/agents about price. It is also recommended to remove or lock up any valuables.