Larkspur, Castle Rock and Douglas County Colorado real estate listings, home buying, selling and relocation information

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First Time Homebuyers: Larkspur, Castle Rock and Douglas County Colorado home buying, real estate listings, and homes for sale in Douglas County, CO

Welcome > For Buyers > First Time Homebuyers ...

You might be a bit afraid or intimidated by the whole process of buying your first home. As top local real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Q	To what process do the terms closing, escrow, settlement and passing papers refer?
A	These terms, which vary in different parts of the country, describe the conclusion of a real estate sale.
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Dave Gardner's Realty World Results TEAM, REALTOR�, real estate agents and broker for Larkspur, Castle Rock and Douglas County Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Dave Gardner's "Results" Team
Keller Williams Real Estate, LLC.
8977 Spruce Mountain Rd.
Larkspur, CO. 80118
Phone: 303-681-1000
Toll Free: 800-681-9490
Fax: 303-681-9059
Email: dave@secretproperties.com
Dave Gardner is the Broker/Owner of Realty World Results and has been a licensed Realtor in Colorado since May 1986. Dave is both a GRI (Graduate of Realtors Institute) and a CRS (Certified Residential Specialist), national real estate designations. Having sold over 1,300 properties in his career, Dave brings a huge amount of knowledge and experience to any real estate transaction. Dave's office is located in Larkspur, just off I-25 in south Douglas County. Dave handles real estate transactions in the following counties: Douglas, El Paso, Denver, Arapahoe and Jefferson. Dave has 3 full time assistants and 5 full-time real estate brokers to insure his real estate transactions receive plenty of hands-on attention and service.

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