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Carrie Holmes's Advice

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  • 7 Contributions
  • 0 Best Answers
  • 0 Helpful

Carrie Holmes wrote:

Any low down payment/bond programs avialble in Colorado for first time buyers?

Answer
Absolutely!  There is the 0 down program through USDA, which promotes home ownership in rural areas.  You might be surprised to find out what areas qualify for this program and aren't as "rural" as the name indicates.  There are the conventional loan options with 5% down and then the FHA products with 3.5% down.  There are also first time home buyer assistance programs available in some areas and also first time home buyer tax credits you may qualify for.  The first step is to talk with an experienced local agent who can sync you up with a lender to start the process and see what would fit your particular needs.  I am happy to help you if you are looking for your new home in the Northern Colorado area!  Kindly, Carrie Holmes, REALTOR[link deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]
January 30
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newly married looking to take the next step and buy a home, not sure what my options are.

Answer
First off, CONGRATULATIONS!  It sounds like you are an excellent candidate for home ownership.  There are also several first time home buyer programs you would potentially qualify for that I'd love to chat with you about further.  The first step is to find a Realtor that you are comfortable with whose experienced and knowledgeable and will educate you on the process.  I'm happy to help you do so.  Once you have a Realtor, they will help you find a lender to get pre-approved for your home loan and guide you along that path.  Then comes the fun part, looking at homes and finding you your perfect place.  Please feel free to call [Phone removed by moderator.]I do specialize in Northern Colorado and can provide you Real Estate Results!You are also welcome to view [Hotlink removed by Zillow moderator. Please see our  Good Neighbor Policy for information.]
January 22
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horse ready property

Answer
You can search the public Mls at your leisure through my website. You can search by acreage, horse facilities including barns and arenas if you'd like to get down to details. I hope this is helpful! [content removed by Zillow moderator]
May 09 2013
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Should I wait until Feb or Mar to make an offer on a house, or settle with what is on the market now

Answer
In my opinion, you should never "settle" on a home.  Wait until you find a home that you could see yourself living it.  This is a major investment and you want to make sure you would be happy and comfortable living there, and that it has good upside potential keeping in mind the future resale value.Don't hesitate to call or email me with any questions.Kindly, Carrie Holmes[contact information deleted by Zillow moderator. Please see our Good Neighbor policy for posting guidelines]
January 16 2013
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What is the best way find a realtor?

Response
Great question!  The best way to find an agent is to look for positive recommendations online, ask your friends/family for referrals and see who has been selling in the neighborhood.  Be sure they are a Realtor as well, as not all real estate agents are Realtor's.  A Realtor has to adhere to a higher code of ethics.  You will also want to find out how long they have been in the business and their sales statistics.  Another indication of a top agent is someone who is committed to continuing their education in their profession so look for an agent that has designations after their names such as; CRS (Certified Residential Specialist), GRI (Graduate of the Realtor Institute), MRE (Master Residential Expert), etc.Kindly, Carrie Holmes, CRS, GRI, e-Pro[contact information removed by Zillow moderator. Please see our Good Neighbor Policy for more information]
September 06 2012
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To pool or not to pool, that's the question

Answer
Many communities with HOA's have pools which you can use, but don't have to maintain.  Also depending on where you live and are looking to buy there are great city pools too.  Pools are high maintenance and cost and are only really able to be used for 6 months out of the year that is why you don't see many homes in Colorado and are considered a liability in some houses and neighborhoods. If you want to do renovations to a home and add a pool you as you mention you will most likely need a construction loan.  It is a particular loan program that not all lenders offer.  Be sure and review any HOA covenants and city regulations about installing a pool before you purchase and you will be just fine.  Good luck and let me know if I can be of further assistance!Kindly, Carrie Holmes[contact info deleted by Zillow moderator. Please refer to our Good Neighbor Policy for posting guidelines]
January 19 2012
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It's unnerving that there are no Realtors in my area that do not have a 5 star rating. Odd?

Answer
You can always ask the agents you are interviewing for past client contact information so you can talk to them directly.  I know, for myself, I don't want to trouble my clients with post closing reviews as they are usually busy enjoying their new place, unpacking and settling into their home.  If you would like me to email you a list of past clients to contact, I'd be happy to do so.  Just send me an email at [content removed by moderator due to self-promotion]Best wishes in your home search!Kindly, Carrie Holmes[Edited by Zillow moderator to remove contact link as per Good Neighbor policy]
May 26 2011
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