Jason Roshek

I am going to get the best deal in Real Estate?

So you think you are going to get the Best Deal ever in Real Estate in 2010.  Well you might have missed if especially if you are going to be obtaining financing.  In the last month, interest rates have gone from 4.625 in mid November to anywhere from 5.25 to 5.5 yesterday.  You might be thinking, so what does that mean to me.  Well, that mean if you obtained financing you just paid $90.00 or more per month.  That equals to a purchase price of about $15,000.00.  So right now you would have to get that dream property for $15,000.00 less than you would have a month ago. 

I already know what you are going to say, "prices are coming down". 

Maybe, the best homes always sell first, and usually in the Woodland Park market that means that you can maybe negotiate 3%, either with Seller paying Closing Cost or right off the price.  So on a $200,000 home you might get $6,000.00 off.  Like I said above you might have already missed the Best Deal.

A New Year...time to clean out the old

The best benefit of moving this time of the year is that you get clean out all the treasures that have been in your home for a while.  Two days ago my family and myself took down our Christmas tree.  As I finished with that I was excited about cleaning up.  You know that rush that you are going to clean the whole house and just get one area done because you stop and play at the computer or start reading a book.  So I started to pack some boxes for our future move to our new home.  It is amazing at all the stuff that I have kept.  Some good memories other just plan junk. 

In short, that is sort of what the New Year brings, a time to clean out the old and start anew.

Merry Christmas

The new blanket of snow that is covering Woodland Park is beautiful and sets up Christmas perfectly.  Pikes Peak is starting to peek through the clouds.  It is such a beautiful and peaceful morning here in Teller County. 

The temperature at 9:00 am was 7 degrees.  My best guess is that we got about 4 to 6 inches of snow.

Merry Christmas

P.S.  the 7 degrees is a sign that the Broncos will beat the Eagles.

Are you done with your Christmas Shopping?

It is the last Sunday before Christmas.  Are you done with your Christmas Shopping?  A place that I would recommend in Woodland Park to get a gift for the person that has everything would be Cowbells.  It is located on Highway 24.  Deb will help you get the perfect gift.  I also recommend The Edge Salon, this is the place to get that gift card for your wife.  Pedicures are always a good gift. 

So have I finished shopping?  Well, no in fact I will probably be going to Cowbells or The Edge for my wife.  All the kids are done, except for wrapping the gifts.  Merry Christmas.

88% of "Move Up" Buyers are willing to Buy a Foreclosure

Just released from Trulia.com and RealtyTrac, comes a survey provided by Harris Interactive, that out of the 24% of homeowners that are thinking of moving to a bigger home 88% of these buyers would consider a Foreclosed property. 

I would love to see some of your thoughts:

Would you would Buy a Foreclosed property?

Do you Think it is a Better Deal? 

Please give me some comments back?

How your credit report is scored

Did you ever wonder what makes up your credit score?  Well here is the break down on scoring your credit score.

Your credit score is made up of five key components:

1.  Payment History – 35% Types of accounts (credit card, mortgage, auto loans), paid on time, slow pays 30, 60 or 90 days late, number of past due accounts
2.  Amounts Owed – 30% Balances of current loans, debt-to-credit ratio, proportion of installments still owed
3.  Length of Credit History – 15% Time since accounts opened, last activity
4.  New Credit – 10% Recent inquiries, new accounts
5.  Types of Credit Used – 10% Mortgages, credit, retail stores, gas cards

So with that information and the Holiday Shopping Season going on be careful how many new credit cards you get.  The extra 10% of your purchase may not be saving you money in the long run.

When is the best time to Buy a home?

That is the question that I get asked a lot lately.  Personally, I am a big believer in buy when you can and try to buy when everyone else is Selling.

As your Realtor, first, I think that you need to ask some more questions.  Why are you buying a home?  Are you going to live in the home?  Are you going to use it for a 2nd home or a getaway cabin?  Are you going to flip the home?

Each of these questions will direct you to the best property and the best price range.  If you are planning on flipping a home then you might want to do more research on what price range is the hottest market to maximize your return on investment.  If you are going to be using the property for yourself, then price is important, but you really need to make sure this is a property that you can keep for 5 to 7 years.

Then you need to make sure that you can qualify to buy a home, that is if you are going to obtain financing.  If you are going to pay cash.  That is great.  There are more opportunities if you have Cash.

Santa Claus is coming to.... Coldwell Banker 1st Choice Realty

Ho,HO,HO... Santa Claus is coming to town.  His coming to The Coldwell Banker 1st Choice Realty Building Saturday December 12, 2009.  He will be arriving at 10:00 am. 

Bring your Children, dogs, cats, for your free photo with Santa.

There will be Free Cookies too.

All we ask is for a non-perishable food item to donate to the Woodland Park Community Cupboard

Colorado the 4th Happiest State in the Nation

Congrats Colorado, We are the 4th happiest state in the United States.  Only Utah, Hawaii, Wyoming beat Colorado.  I think we beat Wyoming personally unless you love the annual wind festival from January 1 to December 31.  With over 300 days of sunshine and the beautiful mountains, clean air that is why we are such a happy group of people.

Link provided by The Colorado Springs Business Journal written by Rob Larimer.

Colorado among happiest states in the nation

Christmas Parade down Highway 24 in Woodland Park

The Parade of Festival of Lights starts at 6 P.M. Saturday Night.  The Parade will start at Park State Bank and head East toward the Ute Pass Cultural Center.

Dress Warm, bring a good chair and LOTs of Hot Chocolate to Share.  See you there.