By Angela Lanfranco
Denver Home Buying Seminar 2 May 09
GoldenLenders is hosting Denver home buying seminars that will be held on a monthly basis. Since the recession began, a lot of things have changed in lending and buying a home in general. These Denver home buying seminars are jam packed with useful information. Regardless if you are closing a home tommorow, or already own a home, these seminars can and will help you with your next home purchase. There will be plenty of professionals there to answer any questions you may have.
Some will go into the home buying process solely relying on their Realtors for expertise. We do believe Realtors play an important role in the home buying process, but your loan will be with you for 15-30 years… Why not learn about it? The choices you make now will reflect how much you spend or save on your next home purchase. The best thing about this Denver home buying seminar is – Its Free! Definetely a good time to bring the family, spouse, girlfriend or boyfriend, son or daughter, or come solo. This is some very in depth 2009 loan information that you won’t wanna miss. We will cover a range of topics from rates, points, and 2009 incentives from the U.S. Government such as Tax breaks and HUD.
You can register 1 of 2 ways for the seminar. You can shoot us an email or give us a call. This is a no pressure seminar and our goal is solely to educate consumers. Contact Mr. D.J. Robbins for further information or reserve your slot for this Denver home buying seminar today.
303-482-2361
“OPENING MORE DOORS TO HOME OWNERSHIP”
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By Angela Lanfranco
Colorado Home Loans Going Strong Compared to Nation
You would probably assume that Colorado home loans were down in 2008 from 2007, with all the talk about what a bad shape the real estate industry is in. However, Colorado home loans and Colorado home financing in general actually saw an upswing in 2008. Much of the public’s misunderstanding of what is happening in real estate and how Colorado home loans are being affected is due to one thing; the media.
The media is often quick to jump to conclusions. Sometimes they don’t have any real knowledge of Colorado home financing stats, Colorado mortgage rates or anything within the world of real estate. They falsely assume all Colorado home loan lending sources are the same and thus, refer to them all as banks. If you’re in the market for a new home and need to find good Colorado home financing, then please take heed to this. Colorado Bankers Association President, Don Childears, says, banks in Colorado are lending better than ever in the past and that they have the means to confidently do it. That’s great news for anyone seeking Colorado home financing.
So where does the bad media hype come from? At one time, banks were the majority of lenders for Colorado home loans, but then finance companies came into the picture and took up a large part of the Colorado home financing business. Actual banks were lending very little of the overall Colorado home loans that were being processed. Then these finance companies dramatically cut back the amount of Colorado home loans they were approving, leaving banks to try fill that void. Commercial banks are actually lending more for Colorado home financing transactions, but it’s hard to see because it’s difficult for them to make up for the vast lending the finance companies were doing.
Of course, it’s important to note that we’re talking about Colorado home loans and commercial banks in Colorado… not overall for the nation. Most Colorado home financing through banks still have the same standards a borrower must meet, while others have scrutinizing standards. As a result, good credit, income, and assets are simply a requirement. Working with a smaller to medium size lender is a better way to go. If your credit is decent, and you have an income, chances are we can help.
This doesn’t mean you have to have a flawless record to get a Colorado home loan. If your credit isn’t perfect, try talking to one of our consultants to see just what kind of Colorado home loan you qualify for. Residential Colorado home loans may not be as easy to come by as they once were, but it’s definitely worth the effort considering the low prices you can get for a new home for right now. Not to mention the currently low Colorado mortgage rates on Colorado home loans. Golden Lenders is here to help.
