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Why you should not make any Major Credit Purchases***
Don't go on a spending spree using credit if you are thinking about buying ahome, or in the process of buying a new home. Your mortgage pre-approval issubject to afinal evaluation of your financial situation.
Every $100 you pay per month on a credit payment could cost you about$10,000 in home eligibility. For example, a car payment of $300/month

Even if you have accumulated enough savings, you should consider not making any large purchases until after closing. The last thing you want is to know that youcould have purchased a new home had you curbed the urge to spend.

Making a Good First Impression
If you want buyers to be interested in your home, you need to show it in its best light.

A good first impression can influence a buyer into making an offer; it influences a buyer emotionally and visually. In addition, what the buyer first sees is what they think of when they consider the asking price.
A bad first impression can dissuade a potential buyer. Don't show your property until it's all fixed up. You do not want to give buyers the chance to use the negative first impression they have as means of negotiation.

Ask around for the opinions others have of your home. Real estate agents who see houseseveryday can give solid advice on what needs to be done. Consider what architects orlandscape designers have to say. What you need are objective opinions,and it's sometimes hard to separate the personal and emotional ties you have for the home from the property itself.

Typically, there are some general fix ups that need to be done both outside and on the inside. As aseller, you should consider the following:
*Landscaping - Has the front yard been maintained? Are areas of the house visible to the street in good condition?

*Cleaning or Redoing the driveway - Is your driveway cluttered with toys, tools, trash etc.?

*Painting - Does both the exterior and the interior look like they have been well taken care of?

*Carpeting - Does the carpet have stains? Or does the carpet look old and dirty?


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Patty Clark
Cell: 720-231-5200
Office: 303-796-7000


Welcome to the premier resource for all real estate information and services in the area. I hope you enjoy your visit and explore everything my realty website has to offer, including Denver-Aurora real estate listings, information for homebuyers and sellers, and more About Us, your professional Denver- Aurora Realtor.

Looking for a new home? Use Quick Search to browse an up-to-date database list of all available properties in the Denver-Aurora areas, or use my Dream Home Finder form and I'll conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis Comparable sold listings will be used to help you determine the accurate market value of your home in the Denver-Aurora and surrounding areas

 Home Sale Data for JUNE  2017

 Active properties 6376

  • New listings 7256
  • Under contract - 6465
  • Sold 5426 
  • Average sold price 442,117
  • Median sold price  382,000
  • Average days on the market  29
  • Percent of sold Price to List Price 100.1%
  • Weeks of Inventory 5

Sales of existing homes in the Denver Metro area are close to the same as one year ago
according to RECOLORADO.COM


For a weekly report of the Denver market:  Download Report


Interest rates are still holding around 3.50 % for government loans.Interest rates are creeping up but still a good rate compared to a few years ago when they reached 18%.

New applications for a mortgage Fannie Mae wants lenders to verify that borrows have not created any new debt while the loan package is being underwritten.

If any changes to the credit report occurs, such as a new credit card account, the loan will have to be resubmitted to the underwriter.

Then there is a possible denial of the loan.
Underwriters will pull a last minute credit report checking for current credit card bills and minimum monthly payments.

The second report will be compared to the first credit report for any changes. They also will be looking to see if there have been any inquires about your applying for additional credit.
These inquires will lower the credit score and could put you below the minimum score to qualify for the loan.

Points, fees,adjustable rates,fixed rate, amortization, down payment,good faith estimate, escrow and refinancing.. If you are brand new to the home buying arena, then mortgage terminology can be overwhelming until you know what they all mean. Click on the link and you will have new knowledge that can be very helpful to you. realtytimes.com

And yet another change to FHA. This new "tax" will increase the buyers payments on a $200K house by $43. As FHA sees fit to increase the tax, the amount can reach as high as $152 per month. Looks like FHA needs more money so easing up on the guidelines will allow 1st time home buyers to be able get FHA loans.
This video explains it all in easy terms we can understand.



Dear Chris and Patty, "Patty is the greatest! As a first time seller, I needed a lot of guidance and some hand-holding and she was there every step of the way. My house was on the market, sold, and I was in my new home in less than 60 days! Patty is personable, professional, highly knowledgeable, and very trustworthy. It was a pleasure working with her!" Service Category: Real Estate Agent Year first hired: 2013 Top Qualities: Great Results, Personable, High Integrity Ann Buys
Chris and Patty have helped me in every real estate transaction I've made, including when they were on the other side of the table and my initial agent was a moron. Patty particularly walked me through the entire thing, and pretty much worked both sides of the table on everything but price. This kept her arrangement not only ethical, but made a deal happen that would have otherwise fallen through without her going above and beyond. Charlene and Loren
When we first thought about purchasing a home, friends and family recommended Chris and Patty Clark because of their excellent experiences with them. As a first time home buyer, Mike appreciated Chris and Patty's gentle teaching and tireless explanations. When we began working with Chris and Patty, we were impressed by how responsive they were to our needs and desires for the type of home, the area, the price and the timing of purchasing a home. Chris and Patty were available at our convenience and never hesitated to answer our questions. Chris and Patty returned phone calls and e-mails in a timely manner and were extremely knowledgeable throughout the entire process. We credit Chris and Patty's patience and hard work for our success in obtaining the right home for us. Mike and Elizabeth Donald
Wow. Patty, thank you for holding tuff with us. The Doug-n-Eva show sure had its ups and downs. Your professionalism and patience did not go unnoticed. Thanks so much and have a wonderful year. Best wishes, Eva Doug and Eva Morales
Dear Chris and Patty We cannot begin to say thanks enough for all you did to get us into this house. We are enjoying every minute of being here. Thank you for the beautiful wind chimes. They sound so pretty on our back porch Kim and Troy Aurora, Co
Patty and Chris, Just wanted to say "thanks" for all your help with the purchase of our home. We love it and we love you Armando and Cindy Thornton, Co
Thank you for not giving up on me. I appreciate your hard work to find me just the right how that I love. Judy Huff Aurora, Co
Patty Thanks for your seasoned and efficient professionalism in selling Adam's house. See you and Chris on the dance floor. Deb Acree, Golden, Co
Chris & Patty: Just want to thank you for sticking with me the last 7 months. I know I was not always the easiest person to deal with and for that I do apologize. The house is wonderful, even the dog is comfortable here. We got moved in just fine and I am still unpacking boxes. Didn't realize I had so much junk! Good thing Goodwill is just across the street. Thank you again for the lovely wind chimes, they sound great on the patio. I will be sure to recommend you if I ever hear of anyone that is moving. Thanks again, Linda Keesen
The first time I hired Patty was nearly ten years ago when my mother passed away. I asked her to sell my parents home. I can only tell you what I know to be true, Patty is constantly on top of things. She is highly organized, on time, and very easy to get a hold of. She has an intimate knowledge of the Denver real estate market and how transactions work and she's been working the neighborhoods of the Denver metro area since Jimmy Carter was in office. So when I found myself fortunate enough to be highly liquid when the Denver real estate market collapsed in 2009, I hired Patty again to find me a series of depressed properties in Denver with the goal to fix, milk and flip. Ultimately I bought a total of six properties. Between 2009 and 2012 I extensively remodeled each of those properties and made a handsome return on my investments. When I decided to retire in Thailand, not only did I ask Patty to liquidate my real estate holdings, I granted her power of attorney to do it. And as an attorney, I can tell you that granting someone a power of attorney is an extraordinary demonstration of trust. And it was trust well placed: Patty did a beautiful job in liquidating my properties even though I repeatedly put her into awkward and frustrating positions. I had a tenant who took a hammer to the interior of one of my units while it was under contract, Days away from closing. Patty jumped right in, took control of the situation, coordinated the extensive clean up and repair and pushed that sale through - on time. She handled it like a pro. She went well above and well beyond what most Realtors would have put up with. Patty is a seasoned Realtor with extensive connections. If you hire her, you'll be getting a woman who keeps her cool in tough situations, thinks outside the box, and can wheel and deal with the best of them. And on top of all that, this woman has thousands of closings under her belt. She'll do a good job for you . Dan Lobnitz
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