Aspen Lending Realtor ®

Leaders in the Denver Colorado Real Estate Market

All real estate agents are not the same. Aspen Lending & Real Estate agents are members of the NATIONAL ASSOCIATION OF REALTORS® and are properly called REALTORS®. We proudly display the REALTOR "®" logo on our business cards, marketing, and sales literature. Aspen Lending & Real Estate REALTORS® and Mortgage Brokers are committed to treat all parties to a transaction honestly. Aspen Lending & Real Estate REALTORS® and Mortgage Brokers subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate.

Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $300,000.It is important to know that you are working with professionals.Aspen Lending & Real Estate Realtors and Mortgage Brokers have been trained to help you with a variety of service levels from full service to limited service to provide you with more control and lower transaction costs. Let us help you with your next real estate decision.

1. We help you determine your buying power

That is, your financial reserves plus your borrowing capacity. If you give us some basic information about your available savings, income and current debt, we have over 100 lenders to choose from and find out who is best qualified to help you. Most lenders/banks and mortgage companies offer one or very limited choices.

2. We have many resources to assist you in your home search.

Sometimes the real estate you are seeking is available but may not be actively advertised in the market, and it will take some investigation by us to find all available properties.

3. We assist you in the selection process by providing objective information about each real estate.

We have access to a variety of informational resources. We can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the real estate provide the environment I want for a home or investment? Second, will the real estate have resale value when I am ready to sell?

4. We help you negotiate.

There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the real estate before you are bound to complete the purchase. We advise you as to which investigations and inspections are recommended or required.

5. Our agents provide due diligence during the evaluation of the real estate.

Depending on the area and real estate, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. We assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. We also provide preliminary report on the title of the real estate. Title indicates ownership of real estate and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. We work with Title companies and/or attorney to help you resolve issues that might cause problems at a later date.

6. We make sure you understand different financing options and identify qualified lenders that meet your needs.

7. We guide you through the closing process and make sure everything flows together smoothly.

8. When selling your home, we give you up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties.

These are key factors in getting your real estate sold at the best price, quickly and with minimum hassle.

9. We market your real estate to other real estate agents and the public.

We market your real estate with our extensive marketing program in many markets across the country.Nationwide over 50% of all real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer.Our system has a much better average with cooperative sales less than 26% and 74% of our sales are direct with the buyer saving you thousands of dollars.

We act as the marketing coordinator, disbursing information about your real estate to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The REALTOR® Code of Ethics requires REALTORS® to utilize these cooperative relationships when they benefit their clients.

10. We will know when, where and how to advertise your real estate.

There is a misconception that only one type of advertising sells real estate. The NATIONAL ASSOCIATION OF REALTORS® studies show that 82% of real estate sales are the result of multiple types of advertising.When a piece of real estate is marketed with the help of our extensive marketing program, you will have the comfort of knowing we cover all avenues of potential buyers.

11. We help you objectively evaluate every buyer's proposal without compromising your marketing position.

This initial agreement is only the beginning of a process of appraisals, inspections and financing -- a lot of possible pitfalls. We write a legally binding, win-win agreement that will be more likely to make it through the process.

12. We will help close the sale of your home. Between the initial sales agreement and closing (or settlement), questions may arise.

For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. We are their to objectively assist you resolve these issues and move the transaction to closing (or settlement).