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Real Estate
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
6809DY: One Tue., 6:30-8:30PM 2/23
6809EA: One Wed., 6:30-8:30PM 4/13
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 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?
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
3503CU: One Wed., 6:30-8:30PM 3/16
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
6806EP: One Sat., 10:30AM-12PM 2/27
6806EQ: One Sat., 10:30AM-12PM 3/26
6806ER: One Sat., 10:30AM-12PM 4/23
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 percent 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
6821AN: One Sat., 10:30AM-12PM 2/20
6821AO: One Sat., 10:30AM-12PM 3/19
6821AP: One Sat., 10:30AM-12PM 4/16
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
Carol
Core
of Security First Financial who helps
demystify the topic of reverse mortgages.
Class is free but you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
3501AF: One Tue., 6:30-8PM 1/19
3501AG: One Tue., 6:30-8PM 3/1
3501AH: One Tue., 6:30-8PM 4/12
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,
Donna Sackett
and lending expert,
Carol Core
and learn
the details of incredible financing options
available to buyers without a lot of cash.
Donna Sackett is a realtor with Coldwell
Banker, with nearly 20 years of experience.
Carol Core has been a licensed loan
officer for over nine years and is currently
with Security First Financial. Donna and
Carol work as a cohesive team and pride
themselves in taking extra special care of
first time homebuyers. Class is FREE but
you must register to attend.
FREE! Non-Member
FREE! Member
CFU LOWRY
: Near 1st & Quebec
6822AB: One Wed., 6:30-8:30PM 1/20
6822AC: One Wed., 6:30-8:30PM 2/24
6822AD: One Wed., 6:30-8:30PM 3/23
6822AE: One Wed., 6:30-8:30PM 4/20
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