35
Register now! Call 303-399-0093 or online:
Real Estate
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
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% 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
6821AO: One Sat., 10:30AM-12PM 3/19
6821AP: One Sat., 10:30AM-12PM 4/16
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
6809EA: One Wed., 6:30-8:30PM 4/13
6809EB: One Wed., 6:30-8:30PM 6/8
Get Your Home Loan
Approved!
FAQs and Secrets
of Mortgage Under-
writing
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
3503CU: One Wed., 6:30-8:30PM 3/16
3503CV: One Wed., 6:30-8:30PM 5/11
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
3501AH9: One Tue., 6:30-8:30PM 4/12
3501AI: One Tue., 6:30-8:30PM 5/17
3501AJ: One Tue., 6:30-8:30PM 6/21
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, 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
6822AD: One Wed., 6:30-8:30PM 3/23
6822AE: One Wed., 6:30-8:30PM 4/20
6822AF: One Wed., 6:30-8:30PM 5/18
6822AG: One Wed., 6:30-8:30PM 6/15
Free Classes! Free Classes! Free Classes! Free Classes! Free Classes! Free Classes!
Last chance for
Buying a Condo and Selling Your Home!
