11 Reasons Why You Need To Hire an Experienced Realtor To Sell Your House During a Divorce

Any sort of life-changing experience is bound to bring you more stress than you’re used to. Going through a divorce is a circumstance that brings many unforeseen challenges that will take up your time and attention. Combine that with an additional high-stress task, like selling your house, and you’ll quickly feel overwhelmed and ready to receive help. This is where your experienced Realtor comes in, ready to take on the entire process of listing, negotiating, and selling your house so that you can focus on handling your most important tasks. 

Working with an experienced Realtor, specifically with experience in divorce deals, is the smartest decision you could make. Not only will you feel supported by their knowledge of the industry, deal negotiations, and market conditions, but they’ll also understand the fragility of a deal under the stress of a divorce and work with you to make the process as simple, smooth, and efficient as possible. During a period of time as unpredictable as a divorce, you need as much stability as possible, and an experienced realtor that you trust is an essential asset when selling your house. 

What Are The Benefits?  

1.It’ll Make The Process Much Easier

An experienced Realtor handles all the major details of a deal for you: listing the house, properly marketing, negotiating offers, etc., which means you can take the time to focus on the tasks that are most important to you. But most importantly, their expertise allows the process of selling your house during a divorce to be more of a step-by-step process, which will allow you to feel confident knowing they can handle any bumps that come up along the way. 

2. It Will Save You Money 

Compared to selling as a For-Sale-By-Owner, with the right realtor, they can save you thousands of dollars you’d otherwise risk losing during a divorce when selling and negotiating on your own, or with a traditional realtor. Our company, Fixed Rate Real Estate, will sell your home for only $5,000, which means we save sellers an average of $16,000 with our flat-fee model. What could you do with $16,000 or more saved?

3. You Need A Realtor Who Is Non-Biased

Especially during a divorce, it’s important to hire a professional that both spouses trust and is non-biased toward either party. Maintaining neutrality allows for the process to avoid any third-party interference. Skip the drama and avoid hiring mutual friends that are licensed. 

4. Experienced Realtors Will Be Cooperative & Patient

Being able to be patient and know how to cooperate & collaborate with courts and attorneys is a high-level skill that not every realtor has the knowledge or experience in. Splitting assets, dividing equity, and understanding the process of a deal during a divorce is why it’s so helpful to hire a real estate professional with divorce-focused experience. Knowing how to cooperate with the requests of the court, needs from the attorney, and any other time-sensitive matters are skills that not every Realtor possesses. 

6. They Can Provide References For Other Services

One of the many benefits of hiring a realtor with years of experience under their belt is their list of references for all sorts of vendors. Whether it be an Appraiser, Handy-Person, Structural Engineer, etc., your experienced Realtor will have a list of references that they’ve worked with and have trusted with their previous transactions. A great bonus. 

7. Strict Adherence To Code of Ethics & Standards

Just because someone is licensed doesn’t mean they’re dedicated to working with ethics and standards. Not every agent is considered a Realtor. According to the National Association of Realtors, The term REALTOR® is a registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS® and subscribes to its strict Code of Ethics. Being a member of these associations shows the level of dedication, knowledge, and experience your real estate professional has, in addition to being an expert in their field. 

*Fixed Rate Real Estate is a member of the National Association of Realtors, Colorado Realtor Association, and South Metro Denver Association of Realtors, which means we are obligated & dedicated to working with a high degree of standards and ethics.  

8. Save You Time

Instead of finding your own vendors, negotiating your own deals, or even managing a showing schedule on your own, you have a real estate expert at your disposable to handle the big-ticket items of a transaction that your realtor should be handling, which allows you to dedicate your time to handling your own schedule and big-ticket items. Plus, if you have to sell within a specific timeline, it’s a life-saver to have an experienced realtor know how to work with your timeline and work efficiently.  

9. Support You Through The Process 

Selling comes with many moving parts and it’s essential you hire a realtor that can not only walk you through the process clearly, simply, and step-by-step but can also support you with making decisions throughout the process and advocate in your best interest. 

10. Help You Establish Expectations & Guidelines Before Listing

Establishing expectations and guidelines before listing your house is a step that only experienced realtors will know to do because they understand the importance of setting up sellers for success, which is significant to do especially when handling a divorce. All parties need to be on the same page when it comes to many things like the listing price, showing schedule, timeline, etc. Your realtor should be asking you questions like: What will the showing schedule be? Do both spouses work from home? Does the house need repairs, cleaning, or staging? Is there a timeline that needs to be abided by? Setting up the transaction for success by mapping out the details of your expectations, guidelines, and needs before officially listing your house is one of the best ways to set yourself up for success.  

11. Help You Resolve Unexpected Issues

In any home-selling situation, there will always be unexpected issues that come up. Some big, some small, and some unexpected. But, with the right experienced and hands-on realtor, when these unexpected issues arise, you will feel confident and at ease knowing your realtor will have a solution, make a plan, and most importantly, know how to handle whatever situation arises because they’ve most likely already handled a situation like it. 

Are you ready to sell your home, due to divorce or any other reason? Contact Fixed Rate Real Estate today for a free, no-obligation consultation.

10 Things To Keep In Mind When Selling Your House During a Divorce

Selling Your Home During A Divorce

Sellers decide to sell for many reasons - a job relocation, downsizing, lifestyle change, etc., and for many sellers, their reason for selling is due to a divorce. A divorce, in itself, is a big, life-changing event that requires patience and flexibility, and the same goes for selling a house. In both cases, there will always be unexpected twists and turns that pop up where having an experienced professional to walk you through the process, support your questions and concerns along the way, and understand the ins and outs of the details allows for the transaction to run as smoothly as possible. 

Often, it can feel isolating and confusing when getting ready to list your house before hiring a real estate professional. Experienced Realtors will give you the comfort, support, and reassurance of knowing you can rely on their years of experience troubleshooting and problem-solving previous deals, which now gives them the tools to successfully handle your home. But before you start the process of listing your house, there are certain things we recommend you keep in mind, especially when handling divorce and selling your house. 

10 Things Every Seller Should Keep In Mind… 

Hire a Realtor That Has Experience With Divorce Deals

• The best way to support yourself when selling your house during a divorce is to hire a Realtor with previous experience working with home sellers going through a divorce. Other than their expert knowledge of the process of a real estate transaction, they’ll have a firm understanding of how a divorce can impact or influence the details of the deal. Plus, they’ll already have experience collaborating with the courts, and attorneys, and understand the specific needs of the deal. 

  Pay Attention To The Pitch 
  

• During the listing presentation, make sure to pay attention to the kind of experience the Realtors you interview offer. How many years have they been practicing real estate? How much experience do they have navigating a divorce deal? As these Realtors go through their listing presentation (you’ll know if they’re experienced professionals by whether or not they even have a listing presentation), ask specific questions so that when you officially hire them to sell your house, you have confidence in their ability to list, market, and sell, especially while handling the nuances of a divorce. 

  Mutual Agreement on Sale Price & Showing Schedule 
  

• Before you list your house, confirm the best sale price based on the condition of the home and the current real estate market, and then come to an agreement on the showing schedule. What time can the showing begin and end every day? Are there any days that don’t work? What about the weekends? Do you work from home? Will you be able to step up during the showings? To proceed with listing the house and prevent any time wasted, discuss these items with all parties as soon as you hire your Realtor. 
  
  

  Maintain a Mutual Respect For One Another & Be Patient 
  

• This can be a very stressful time - balancing two life-changing events is a difficult thing for anyone to deal with, which is why it’s so important to remember to maintain mutual respect for all parties involved in the transaction. This includes your spouse, the process, your realtor, and any other people or services involved. Things do always go as planned, unexpected hiccups pop up, and tensions are high, so remember that your Realtor is hired to guide and support you during this difficult time, and do the best possible job for you. 
  
  

  Save Money Where You Can 
  

• Fixed Rate Real Estate is a full-service, flat-fee real estate company in Colorado that specializes in a flat-fee model. This means we sell houses for a flat fee of $5,000, only, saving our sellers over $16,000 on average. When it comes to real estate assets, we know that our sellers want to save as much money as possible. So not only do we have the experience and knowledge of working in the Colorado real estate market for the last 10+ years, many of our clients found us because of the need to sell their house due to a divorce, but purposely set out to hire a flat-fee realtor to save as much money as possible and work with an experienced, top-producing real estate company.  

  Communication Is Key
  

• Whether that’s between spouses or with the Realtor, a lack of communication can halt, stop, or prevent a deal from moving forward if all parties are not on the same page. It’s essential for your Realtor to establish an open line of communication between all parties involved, but it’s even more important to remember to always communicate any sudden changes or needs that come up with your Realtor, and/or spouse, to ensure everyone is on the same page and no one feels like they’re missing vital information. 

  Choose a Realtor Both Spouses Trust

• It’s important to choose someone you both can trust, can rely on, and is neutral. When interviewing potential Realtors, it’s recommended to interview these candidates together and choose someone you both agree on. 

  Stay In Touch With Your Attorney
  

• Your Realtor’s job is to sell your house during your divorce, not give legal advice. So make sure to communicate any legal questions or concerns with a real estate attorney, not your realtor, if needed. 

  Establish Expectations & Guidelines Before Listing
  

• The best, experienced Realtor should be guiding you with a list of questions to answer before they list your house for sale regarding price, timeline, condition of the home, etc. Some of those questions could be: What is the lowest offer you’ll accept? What is the showing schedule going to be? Is the house ready to sell? Is staging, cleaning, or repairs needed? Once you meet with the right Realtor, they will guide you to understand if your house is in ready condition to sell, help you understand how to find the right listing price, and any other matters that need to be addressed head-on before the process begins. 

  Pick Your Battles

• It’s essential to maintain a level of patience and respect for all parties involved in the process, but, as in any high-stress environment, patience levels will be tested. When collaborating and decision-making with your spouse and the Realtor, choose to look at the big picture rather than getting consumed by small details. It’s very easy to get sidetracked or argue over small-ticket items, but with the help of your Realtor through decision-making and processing all options available, they’re there to help mediate and find the best possible outcome for you.

Do you need an experienced Realtor to help you sell your home after your divorce? Contact Fixed Rate today for a free, no obligation consultation with one of Denver’s most experienced agents.

Flat Fee MLS Company in Denver - Flat Fee Realtor

Do you need to sell your house and want to protect your equity? You’ve come to the right place!

At Fixed Rate Real Estate, we understand the importance of protecting your equity during the sale of your property. That’s why we always charge a fixed rate – making sure you get the best sale price and service while protecting your equity and assets.

With our flat fee realty services, you can save tens of thousands of dollars when selling your home with our Denver real estate agent. Fixed Rate Real Estate has mastered flat fee realty with white-glove service, innovative marketing, and seasoned service professionals who can sell your home for a great rate –at a fraction of the cost of traditional realtors. That’s why we’re the trusted real estate solution in Denver and the surrounding areas.

COMPARATIVE MARKET ANALYSIS (CMA)

We perform an estimate of your home’s value based on similarly sold properties in your immediate area. The CMA is used to set the ideal listing price for your home and ensure the most competitive pricing with the specific features and upgrades of your home.

PROPERTY SHOWING COORDINATION & SHOWING FEEDBACK REPORTS

We handle the busy task of showing your home to prospective buyers and their agents. Fixed Rate’s Denver real estate agent takes it further by collecting buyer agent feedback to capitalize on selling points and improve any items that require attention. This process strengthens the selling points of your home.

ADVICE ON PROPER PRICING & OFFER TERMS

Pricing is also subject to local market conditions, your home’s highlights and characteristics, and even seasonality. Fixed Rate’s Denver real estate agent will analyze and structure the highest possible value of your home’s persona. This includes setting offer terms that work for you –including expiration dates, initial deposits, down payment amounts, home inspections, contingencies, and warranty issues, among other things.

PROFESSIONAL HD PROPERTY PHOTOS AND VIRTUAL TOURS

Our real estate solutions in Denver involve us working with Professional HD Property Photos and Virtual Tours. These are two of the biggest assets that exist to properly market your property. There are so many “don'ts” out there regarding this tactic that going with a seasoned pro is best for. Angles and lighting elements exist in High Definition to add appeal to any floor space, and the virtual tour is becoming essential during the current pandemic. These are also two of the best ways to allow a buyer to “feel all the feels” and make them want to wind up calling the property their own.

CALL NOW: 303-910-2552

Sell & Save THOUSANDS with Fixed Rate Real Estate, LLC

There are many benefits to working with a Fixed Rate Real Estate, LLC when buying or selling a property. Some of the main benefits include:

1. Expertise: Realtors are experts in the local real estate market and have a wealth of knowledge about property values, trends, and comparable sales.

2. Network: Realtors have a network of contacts, including other realtors, mortgage lenders, home inspectors, and more, which can be helpful in the home-buying or selling process.

3. Marketing: Realtors have the skills and resources to effectively market a property for sale, including creating listings, taking professional photos, and promoting the property through various channels.

4. Negotiation: Realtors are trained in negotiation and can help you get the best price possible when buying or selling a property.

5. Time-saving: Working with a realtor can save you time, as they can handle many of the tasks involved in the home-buying or selling process, such as scheduling showings and handling offers and paperwork.

6. Reduced stress: Realtors can help reduce the stress of buying or selling a home by handling the details and answering your questions along the way.

Don’t overpay for real estate services! Call us to get the best price and terms on your real estate purchase or sale!

CALL NOW: 303-910-2552

Advantages of Choosing Fixed Rate Real Estate for Your Buying and Home Financing Needs

Almost every real estate transaction is better when the realtor works well with the mortgage broker. So, it only makes sense that combining those buying and home financing services under one umbrella would make buying a home in Denver as easy as possible.

Our fixed fee real estate agents have extensive experience serving Denver area buyers and sellers with a wide array of services for buying, selling, and financing your home. Let’s take a closer look at how combining those functions can create massive leverage for our clients.

Comprehensive Experience

With realtor and financing services operating together, Fixed Rate Real Estate can combine a vast amount of experience in both fields into one knowledge base that benefits all of our clients.

Not only do we understand what it will take to get a deal done from both perspectives, combining the realtor and financing options allows our fixed fee real estate agents to put together a plan with a proven track record of success specific to your situation.

Constant Communication

Because our company combines realtor and finance services, we can offer an unparalleled level of communication throughout the entire process, from offer to closing. Our clients enjoy easy access to every key person involved with their deal. Everyone working on your deal from our side will always be on the same page to walk you through buying a home in Denver.

Alignment of Interests

Speaking of being on the same page, our unique approach to billing creates a situation where everyone working on a particular deal has the same interest in ensuring the client gets what they want. And with our fixed fee real estate agents, there is never any worrying about negotiating percentages.

 

Local Expertise

Not only do we offer fantastic synergy by combining home buying and financing services, but we also have a unique understanding of what makes the real estate market work here in Denver. As local residents, our team provides the local touch that Denver buyers prefer.

If you are in the market for a home and want to try a different approach to the buying process, contact our fixed fee real estate agents today to get started and let us show you how easy buying a home in Denver can be.

New Listing For Sale in Highlands Ranch!

390 Wessex Circle Highlands Ranch, CO 80126

3 Bedrooms, 3 bathrooms, 2,545 sq ft, vaulted ceilings and many upgrades!

Welcome to your lovely home in the sought after neighborhood in Highlands Ranch! As you walk-through the doors of this charming home, you are greeted with vaulted ceilings and marble floors in the foyer with an open floor plan that perfectly greets you with an abundance of natural light through the grand windows. On the main floor, you'll find the formal dining room nestled into a cozy corner of the home with built in shelves, high ceilings, and a main floor office with a built in desk and bookshelf. All balusters, trim and railings have recently been repainted. The kitchen is a sweet space with a large window that looks directly into the backyard, ideal for letting the natural light in. The slate tile is laid in a Harringbone pattern. There are all new appliances, reverse osmosis water filtration system, new plumbing fixtures and updated cabinets. The gas fireplace in the family room is lovely and the 75'' LG mounted flat screen t.v is included. Soaring ceilings reach 18ft tall. The powder bath is updated w/a new vanity, sink, laminate flooring and new plumbing fixtures; the laundry room has built in cabinets and a window that invites natural light. The 2nd Floor has a full bath with tile floor, an updated sink and window. There are also 2 additional bedrooms and the primary suite with vaulted ceilings and ceiling fan. The 5-piece master suite has an upgraded tile shower, cozy tub, walk in closet, and beautiful mountain views. The finished basement is a fantastic space for entertaining guests and loved ones. Radon mitigation system and vapor barrier installed, utility sink, and double door closet for extra storage space. The backyard is low maintenance with flagstone patio and grass. The home is of close proximity to the Town Center, elementary schools and has access to four recreation centers in Highlands Ranch! Beautiful Red Maple and apple tree planted in the front yard; newer Central A/C unit was replaced in 2016 and the 2 car garage has built in shelving.

Thinking of selling your home for a flat fee? List your home with Fixed Rate and SAVE an average of $15,000 in fees!

Call Now! 303-910-2552

Visit us online: https://fixedrealty.com/

Technology's Effects on the Mortgage Process

The impact of technology can be felt in most aspects of our lives, from schools to homes and offices, and the home buying business is no exception. New technologies are now changing every step of the online mortgage application process.

For most players in the mortgage industry, technology is a welcomed change. This is evident as more lenders and borrowers continue to embrace digital lending. But how exactly is technology impacting the mortgage process?

Easier Access to Funding

The mortgage process looks a lot more different than it did several years ago. For most borrowers, one of the biggest challenges in the whole mortgage application process was access to credible lenders. However, with the continuous incorporation of technology and its impact on the mortgage process of buying and financing your next home, securing a mortgage has become more straightforward.

This explains why most borrowers prefer to work with credible online lenders like Fixed Rate Realty. At Fixed Rate Realty, we offer multiple digital tools to improve the borrowing experience, enhancing customer satisfaction.

Automation of Financial Data Handling

The traditional mortgage process was marred with steps that required homebuyers to manually track down sensitive documents, scan and send them to the lenders for assessment. For this reason, there was a significant concern about the documents’ security.

Innovative technologies impacted the mortgage process by improving financial software that has considerably reduced the time and effort required to complete the application process. In online mortgage applications, borrowers and lenders can securely upload and share the necessary documentation electronically. Lenders also use financial and data management systems to improve accuracy and get rid of manual tasks.

Improved Valuation and Verification

Property valuations and borrower verification are an integral part of the mortgage process. It is paramount for lenders to evaluate and verify all the borrowers’ information and accurately value their properties. The impact technology has made on the mortgage process has caused automated verification to be incorporated more often and has shown to be more efficient than the traditional drive-by appraisals and manual data verification that contributed to endless operational errors.

The beauty of digital verification during the online mortgage application process is that it enables the underwriters to identify eligible borrowers from the onset, hence saving borrowers the agony of waiting for weeks or even months without knowing if they would qualify for the mortgage. This way, potential homeowners can always explore more lending options to find the most suitable lenders for their mortgage needs.

Hybrid and All-Online Closings

The closing process has for long been a dreaded part of the mortgage process. Although the closing section varies with the situation, borrowers are increasingly opting for a hybrid model.  Another popular digital option among borrowers is virtual closing which has incorporated the impact technology has made on the mortgage process.

When closing a mortgage deal virtually, all the notarization is done via a webcam. Prospective homeowners sign all the documents electronically. However, in a hybrid model, some paperwork is reserved for in-person notarization, and the rest is done electronically.

Need Help Finding a Competitive Mortgage in Colorado? Contact us Now

Undoubtedly, technology has tremendously impacted the mortgage application process globally. At Fixed Rate Realty, we have adopted the latest technologies to enable us to connect you to the best lenders in the market as you pursue your dream home. Please contact us online,  call us directly at 303-950-2552 to schedule a consultation, or use the online mortgage application.

LoDo

Looking for Denver Real Estate? LoDo is Denver’s oldest neighborhood, which means it’s home to some of the city’s most prominent and beloved landmarks, some of which are what define the Denver experience. Denver has always had a variety of nicknames, but the first nickname to ever stick to the Mile High City is LoDo, which applies to the old warehouse area of lower downtown by Union Station, according to Westword Magazine. Now, LoDo is known as the mixed-use historic district, home to some of Denver’s most loved and recognized restaurants, bars, hotels, and entertainment. Take a look at the article below if you’d like to learn more about the wonders that LoDo has to offer. 

If you’re looking to buy, sell, or invest in LoDo and you’d like to learn more about the neighborhood market, then please contact us here. 

If you’re looking to explore LoDo during the day, don’t forget to start off by exploring the lovely boutiques. After you’ve grabbed your morning coffee from one of Denver’s most loved coffee shops, take a walk into some of Denver’s most loved boutiques. If you’re in Larimer Square, head over to Hailee Grace where you can find this season’s hottest clothes, swimwear, and accessories. Once you’ve finished up at Hailee Grace, head on over to Alchemy Works, a coastal California retail, gallery, and event space concept located at Free Market. Featured in Vogue, Conde Nast Traveler, and Style.com, Alchemy Works carries brands like Warby Parker, Sandoval, Casa Clara, and Mau Jewelry. Next time you’re taking a stroll through the city, don’t forget to stop into these boutiques to pick up your next favorite pieces. 

Once you’ve finished up your morning shopping, spend the rest of the day outside enjoying the beautiful weather that Colorado has to offer. Whether you’re looking to host a picnic at the park, or buy some tickets for the Rockies game, with 300 days of sunshine, nearly any day is perfect to spend time outside. If you’re looking to host a sweet picnic outside with your friends and family, find your perfect spot at Confluence Park or Commons Park, two of downtown Denver’s most popular parks right in the middle of the city. Confluence Park lies at the joining of Cherry Creek with the South Platte River. If you love biking or talking long walks along the South Platte River, then definitely take your time to take a scenic walk. Or if you’re feeling a little more adventurous, consider renting a kayak from Confluence Kayaks and kayak down the river (yes you can actually do that!) If kayaking feels like too much, then you’re also able to bring down your tube and go tubing.

So you’ve officially done one of the coolest things ever; tubing in the middle of the city, what to do next? Nowhere better to relax than at the Colorado Rockies game at Coors Field with a delicious hot dog, refreshing drink, and ice cream on a sunny day. If you’ve ever explored Denver during the summer before or after a rockies game, then I’m sure you’re familiar with experiencing the spirit and excitement from the fans all across the city. You’ll be sure to see crowds with purple gear all over the city and outdoor patios around the stadium overflowing with fans, before, during, and after the game. If eating delicious snacks for three hours isn’t your thing, then walk on over to Union Station, one of Denver’s most loved and transformed landmarks. If you’ve visited friends in Denver, then I’m sure they’ve taken you to Union Station to either grab a special drink from Terminal Bar, grab some brunch from Snooze an A.M. Eatery, or maybe even to just pop in and grab some ice cream from Milkbox Ice Creamery and a cup of coffee from Pigtrain Coffee Co. Regardless of why you’re here, if you’re looking for the center of downtown Denver, then Union Station is the heart of it all.  

So far, you’ve had quite the long day, so where better to chill out for a couple of hours and take a sweet nap than in your fabulous airbnb or historic hotel room at The Oxford Hotel. Whether you’re visiting Denver from out of state, or a Denver native that’s looking to get to know the city from a tourist point of view, staying in an airbnb or a historic hotel in the middle of the city is the best way to get to know the culture of a city. If you’re looking for a unique stay experience, we recommend checking out the “Historic Carriage House”, LoDo’s coolest airbnb. This home originally sheltered horses in the late 1800s and has been featured in Architectural Digest online as Colorado’s most unique and beautiful Airbnb property. If you’d like to take an alternative route to your overnight stay, then there’s no better hotel in LoDo than The Oxford Hotel. With roots dating back to the 19th century, The Oxford offers 80 guest rooms and suites, a breathtaking collection of art through the halls, the Oxford Club Spa, and one of Denver’s most loved bars, The Cruise Room. Whether you’re looking for a rustic or luxurious stay, you’ll find it in LoDo. 

Okay, so you’ve had your nap in your luxurious bed and facial at the Oxford Club Spa, now it’s time to get your most favorite night-out outfit and head on over to dinner before your late night fun. LoDo is one of Denver’s most loved neighborhoods for nightlife; whether you’re looking for a 1920s speakeasy, romantic dinner for two, or wanna have a laugh or two at a comedy club, you can find everything you need in LoDo. 

If you’re looking for a romantic dinner for two, or celebrating a special occasion, make a reservation at Fogo de Chao Brazilian Steakhouse, one of Denver’s most loved steakhouses. Fogo de Chao takes the experience of a steakhouse to a whole new level, bringing the churrasco grilling tradition to Denver. If you’re looking for a more casual occasion for your night out, look no further than Hopdoddy Burger Bar in Union Station, blocks away from Coors Field. If you’re in need of a delicious burger with Hot Honey & Sage Sweet Potato Fries and a boozy vanilla milkshake, then head on over to Hopdoddy immediately to fulfil your late night cravings. Maybe you're in search of dinner and a show? If so, make a reservation at Ophelia’s Electric Soapbox to indulge in the ‘70s swank and vintage soft-core art at this adult-themed fun house. At Ophelia's, you can enjoy their small-plate menu of eclectic offerings, while overlooking their sunken stage and dance floor with live music. If a loud, wild scene isn’t your thing and you’re looking to just have a good laugh, then buy some tickets for Comedy Works where you can experience world-class laughs from comedians known locally, nationally, and internationally.

For any information on Denver’s real estate market, check out Denver’s Flat Fee Realtor!

Flat Fee Real Estate in Parker, Colorado - Fixed Rate Real Estate

Parker is expanding with new communities, businesses and families moving in from neighboring states. We see the cost of living is only on the rise, but when it comes time to selling your house it doesn’t have to be expensive. 

Whether you’re ready to buy or sell a home in Parker, our services provide home buyers and sellers an excellent experience! Selling your home has never been easier. For a flat fee of $5,000, we save homeowners in Parker an average of $15,000 in commission fees! Fixed Rate Real Estate offers a flat rate of $5,000 due at closing, and no upfront fees ever. When you list with us, and we find the Buyer, your total commission fee out the door is $3,000.

Parker, Colorado has some of the highest ranking schools in the nation. Parker is home to three great high schools (Ponderosa , Chaparral and Legend). Additionally, Parker is home to some excellent private schools, which include Lutheran High School (9-12), Ave Maria Catholic School (PK-8) and Southeast Christian School (PK-8).  Within a few miles are two of Colorado's best private schools (Valor Christian High School and Regis Jesuit High School). Here are the various ways we put our expertise to work to assure that you'll be recommending us to anyone else you know getting ready to sell and wary of inflated price points.

The Comparative Market Analysis provides valuable data about the sales histories of other properties situated nearby. While your next potential buyer is looking to be educated on the features your home offers, they are also exploring the neighborhood to see how it suits them. We compare homes in the area that sold recently to your potential listing price, and then make adjustments to assure that your property obtains peak interest along with multiple offers. We use the MLS and our other available resources to assure that all of the properties we are using as comparable were sold within the last six months and are aligned with current neighborhood trends.

Advice on Proper Pricing and Offer Terms is our way of making sure that you are fully prepared every time you receive an offer. Even though we pride ourselves on being heavily discounted, we see it as our duty to go above and beyond while carefully critiquing the various offers you are fielding. The reassurance of a second pair of eyes on every written proposal will add immense value, as even the smallest detail or added clause could have a drastic effect on your transaction. 

Property Showing Coordination, Agent Feedback, and Client Reports employ us as a detail-oriented virtual day planner with the very human touch! While making sure that all of the interested parties are showing up when it's also convenient for YOU, we follow up with the agents that walked through the home and track their insights on staging, personality, and needed improvements.

The Professional HD Property Photos and Virtual Tour are the key elements that will dazzle potential buyers from a phone or tablet before they even drive by. Digital experts Mass Interact found over this past year that 54% of buyers won't look at a property unless it is supported by a virtual tour, and our years of expertise will provide you with a means of “making someone feel as if they have already called the property home” from behind a keyboard.

If you have recently found yourself needing to locate a Parker, CO contact us today to receive premium service at the industry's most reasonable price!

What Are Mortgage Servicing Companies And What Do Loan Servicers Do?

For most home buyers, working with a mortgage broker is an essential part of the process toward getting a loan for and closing on a home.

After you close on your house, your servicer is your point of contact for everything related to paying off your home loan. This may or may not be the same entity that lent you the mortgage in the first place.

Here’s everything you need to know about mortgage servicing companies and home loans in Colorado.

What Is A Mortgage Loan Servicer?

A mortgage servicer is a company that oversees the administrative tasks in regard to your mortgage loan after closing. These tasks can include processing monthly mortgage payments, responding to borrowers’ questions, managing escrow where it applies and providing loss mitigation options or initiating foreclosure if necessary.

In some cases, your mortgage lender will hold onto the servicing rights on your loan and you’ll make payments to them for the life of the loan. In this case, your lender will also act as your servicer once you’ve closed on the loan.

Sometimes, however, the servicing rights are sold to a third-party servicing company which then takes over the responsibility of ensuring the loan is paid back.

Mortgage Lender Vs. Servicer

To get a mortgage to buy a house, you’ll need to work with a lender. This could be a bank, credit union or other financial institution that offers home loans for consumers.

When you apply for a mortgage, the lender will run a check on your credit history and ask you to provide documentation that shows you have the ability to pay back the loan. If you meet the lender’s requirements, they’ll preapprove you for an amount of money based on what your finances can handle. Then, once you find a house and make an offer, the lender will approve you for a mortgage amount based on what a professional appraiser says the home is worth.

When you close on your home, the lender will disperse the funds needed to complete the transaction (in addition to the money you’ve contributed as part of your down payment and closing costs).

Choosing the right mortgage lender is important; be sure to shop around and compare things like offerings, rates and fees from multiple lenders. Check out our flat fee realtors in Denver for a secure price.

Servicing is what happens after you’ve closed and are the legal owner of your new home. Servicing may be done by your original lender, or it may be handed off to a third party.

If the servicing rights to your loan are sold, you’ll be notified either at closing or least 15 days before your first payment with the new servicer is due. After the transfer, you’ll get a 60-day grace period, during which you won’t be charged a late fee if you accidentally send your monthly payment to your former servicer instead of your new one.

When you’re transferred to a new servicer, the original terms and conditions of your loan won’t change except for those directly related to the servicing of the loan.

What Do Mortgage Loan Servicing Companies Do?

A mortgage servicer’s main job is to make sure that your account is credited for every payment you make and that everyone who has a stake in your monthly mortgage payment gets paid. Though you might only send a single housing payment to your servicer each month, there are typically several entities that get a piece of it.

The first entity is the investor, or owner of the loan. Not to be confused with the servicer, who owns the servicing rights, the investor is the entity that owns the loan itself. Most lenders tend not to hold onto their loans for the entire term; selling their loans to investors allows them to free up funds to continue lending mortgages to other consumers.

Depending on your loan, there are a couple other entities that may come into play as well when it comes to who gets a piece of your payment. Taxes are paid to your local government and insurance goes to your insurance company.

If these payments aren’t due on a monthly basis, your servicer may keep this portion of your payment in an escrow account and pay these entities out of the account on your behalf when your payments are due.

Each year, your servicer will send you an escrow statement that details all the payments made out of the account and lets you know if you owe money for a shortage or whether any aspects of the account will change in the coming year.

In addition to handling your monthly payments, tracking the amount you’ve paid towards principal and interest and managing your escrow account, your servicer will be the one you’ll turn to if you have any questions related to your loan (such as how to cancel mortgage insurance) or if you’re struggling to stay on top of your payments.

As long as you communicate with them, your servicer will typically work with you on loss mitigation options if you can’t make your payments. This might include options that allow you to stay in your home, like a loan modification or forbearance, or, if you can no longer afford to stay in the home, it could include things like a short sale or deed in lieu of foreclosure.

If necessary, your servicer will be the one to initiate foreclosure.

Bottom Line

After closing, your servicer is your go-to for everything related to your mortgage. Be sure to familiarize yourself with who your servicer is and always pay special attention to any communication you receive in regard to your mortgage – if your servicer changes, you’ll want to be certain you’re sending payments to the right company.

If you have any questions, please contact us!