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Real Estate
Register now! Call 303-399-0093 or online:
The Smart Consumer’s
Guide to Buying a Condo
Thinking of buying a condo, loft, or
townhome but aren’t sure you’re suited
for the “condo lifestyle”? Learn the nuts
and bolts of how a condo association
operates and who the key actors are. Gain
an appreciation of all the condo documents
including the financials so that you’re
not blindsided by unwelcome and costly
surprises. Leave with an invaluable checklist
that will help you ask all the right questions.
Special considerations will be discussed for
buying a condo conversion or brand new
condo. Join Colorado attorney and realtor
Norm Replin
for this practical seminar and
decide if condo living is right for you! Class
is free but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6806EL: One Sat., 1-2:30PM 6/6
6806EM: One Thu., 6-7:30PM 7/9
6806EN: One Sat., 1-2:30PM 9/12
Selling Your Home?
Take This Class First!
The real estate market has changed
from a buyer’s to seller’s market. Getting
top dollar for your home requires a well
thought out plan and understanding of
the home sale process. In this fast moving
seminar, develop your own customized
plan based upon your particular goals and
objectives. Pre-sale topics will include the
importance of staging your home to the
benefits of getting a professional pre-sale
home inspection. Learn tips on how to
differentiate your home from all others
and how knowing the buyer demographics
for your home can help you promote it.
Discover how creating a well thought out
pricing strategy based on knowledge of
your neighborhood real estate statistics
is critical. Also, understand how the
negotiating process between realtors
unfolds and how to deal with multiple offers.
Leave with a general understanding of the
legal documents and deadlines, including
legal pitfalls to avoid. There’s no reason
to pay a realtor 5-6% of your hard earned
home equity to sell your home. Discover
what money saving home sale options are
available to you. Realtor and attorney
Norm
Replin
will share his insights. Class is free,
but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6821AJ: One Sat., 1-2:30PM 6/13
6821AK: One Wed., 6-7:30PM 7/8
6821AL: One Sat., 1-2:30PM 9/19
How to Not Get Ripped Off
When Buying a House
Getting a mortgage can be a daunting
experience. There are plenty of laws to
protect the consumer, but there are also
quite a few people in the mortgage industry
who ignore the laws and take advantage of
homebuyers.
Chris Thomas
of America’s
Mortgage offers this free class to help you
avoid getting ripped off. Some of the topics
covered include: how the money flows in
the mortgage industry, why interest rates
go up and down, how lenders get paid,
understanding closing costs, and how to
spot the common mortgage rip-offs and
avoid them. Class is free, but you must
register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6809DT: One Wed., 6:30-8:30PM 6/17
6809DU: One Wed., 6:30-8:30PM 7/22
6809DV: One Wed., 6:30-8:30PM 8/19
Get Your Home Loan
Approved!
FAQs and Secrets of Mortgage
Underwriting
The mortgage approval process is called
“underwriting” and everyone who wants
a mortgage needs to know how a loan is
approved. This class will arm you with the
knowledge you must have when talking
with a bank or mortgage broker. When you
leave this class, you will know the answers
to the following questions, and much more:
What credit score do I need, and how do
I get that score? How much is the down
payment? Can someone give me the money
for the down payment? How much money
do I need in the bank? Can I still get a loan
if I had a bankruptcy or a foreclosure? How
long must I have a job? Does my part-time
income count? If my spouse has bad credit,
can I still get a loan? How much debt can
I have? What kind of documentation do I
need to show the lender? Do I always need
an appraisal? Does the house have to be
in perfect shape? Why does my real estate
agent want me to be “pre-approved” for
a mortgage before showing me houses?
Chris Thomas
is licensed by Colorado as a
mortgage loan originator. He and his wife
(a former underwriter) are some of the top
producing mortgage bankers in the state.
Class is free but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
3503CQ: One Mon., 6:30-8:30PM 6/15
3503CR: One Tue., 6:30-8:30PM 7/21
3503CS: One Tue., 6:30-8:30PM 8/18
NEW
!
Do I Stay or Do I Go?
Options for Downsizing or
Aging-in-Place
There are so many options in housing for
people who are considering downsizing
or managing their housing needs as they
age. Join this hugely informative class,
and learn what the various options are for
you or a loved one who might be facing
these dilemmas. Explore the benefits of
downsizing vs. aging in the place you
already live, and the pros and cons of
each. Class covers topics you might not
have considered such as the importance of
location (even out of state), alternatives to
traditional housing, reverse mortgages, and
whether you should fix up your house if you
decide to downsize. Realtor
Cellini
has over
20 years’ experience and gobs of resources
in helping adults make the best choices for
later life moves. She is joined by
Colleen
Rideout
of Security 1 Lending who helps
demystify the topic of reverse mortgages.
Join them and build a solid plan for yourself
or your loved one’s future. Class is free but
you must register to attend.
Free Non-Member
Free Member
CFU LOWRY
: Near 1st & Quebec
3501AA: One Tue., 6:30-8PM 6/30
3501AB: One Tue., 6:30-8PM 8/4
3501AC: One Tue., 6:30-8PM 9/15
How to Buy a House with
$1000 Down
You have a decent job, you pay your bills on
time and your credit scores look good, but
it seems so hard to come up with money
for a down payment. Luckily, in today’s real
estate market, there are programs that
offer homebuyers a chance to purchase a
home for as little as $1000. Join this class
hosted by real estate expert, Zoe Macaulay
and lending expert, Carol Core and learn
the details of incredible financing options
available to buyers without a lot of cash.
Zoe Macaulay
is an award-winning realtor
with REMAX Synergy.
Carol Core
has been a
licensed loan officer for over nine years and
is currently with Security First Financial. Zoe
and Carol have worked as a cohesive team
in the real estate industry for many years
and pride themselves in taking extra special
care of first time homebuyers, helping them
to realize their dream of home ownership.
Class is FREE but you must register to
attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6822U: One Wed., 6:30-8:30PM 5/27
6822V: One Wed., 6:30-8:30PM 6/24
6822W: One Wed., 6:30-8:30PM 8/5
6822X: One Wed., 6:30-8:30PM 9/9
Free Classes! Free Classes! Free Classes! Free Classes! Free Classes! Free Classes!
