BEAT IDENTITY THEFT! METRO SHRED-A-THON in Denver, May 18th!

BEAT IDENTITY THEFT! METRO SHRED-A-THON
in Denver May 18, 2013 (7am-12Noon)



BEAT IDENTITY THEFT! Good news! It’s time to start collecting those old financial records for this year’s KUSA 9News & Metro Crime Stoppers annual Shred-a-thon event.
The 2013 Shred-a-thon will be held at five locations in the Denver-metro area on May 18th, from 7 a.m. to noon at the following locations:

KUSA 9NEWS, 500 Speer Blvd., Denver 
Aurora Municipal Courthouse, 14999 E. Alameda, Aurora 
Arapahoe County Sheriff's Office, 13101 E. Bronco’s Parkway 
Jefferson County Sheriff's Office, 200 Jefferson County Parkway,
Golden and the Westminster Police Department, 9110 Yates St., Westminster

For a voluntary contribution, participants can dispose of personal & financially sensitive documents such as old tax returns, bank statements, credit cards & legal documents. Participants are limited to three legal-sized file boxes or three kitchen sized trash bags. All documents will be shredded on site by licensed and bonded Shred-it employees. Members of law enforcement will be on hand to observe. Voluntary contributions go to support Denver-Metro Crime Stoppers.

Neighborhood of the Week: Capitol Hill

Neighborhood of the Week: Capitol Hill Within the perimeters of Denver's Capitol Hill district, you will find one of the most densely populated, diverse & eclectic neighborhoods the city has to offer. Offering one of the city's widest ranges in housing types & prices. High-rises to historic mansions & everything in between. Squared off by Broadway, Colfax, Downing and Sixth Avenue it's located just north of downtown. Although there is no distinct commercial district, the Cap Hill neighborhood (well known for as a haven for artists & bohemians) is clustered with unique shopping spots, small museums, neighborhood eateries, bars & clubs. The pedestrian friendly neighborhood is next to two major Denver parks, Civic Center Park & Cheesman Park. Both of which are meeting centers for the community; hosting many festivals, including the People's Fair in early June & Denver's annual PrideFest gay pride parade. Homes for sale in Capitol Hill are listed with the zip codes 80203 & 80218. *Photo is Capitol Hill Mansion Bed & Breakfast located at 1207 Pennsylvania Street in the heart of Capitol Hill.

BEAT IDENTITY THEFT! SHRED-A-THON in Denver May 14, 2011

 BEAT IDENTITY THEFT!Good news!  On Saturday, May 14^th, the Denver District Attorney’s Office, in conjunction with 9News, Denver Metro Crime Stoppers and Shred-it®  will be hosting a Shred-a-thon.  This event will be held at five separate locations in the Denver Metro area on the same date.

BEAT

IDENTITY THEFT

The Denver District Attorney, 9News, Shred-it®, and Denver Metro Crime

Stoppers and

invite you to our

Shred-a-thon

Saturday, May 14, 2011

6 a.m. - 12 noon @ 9News

7 a.m. - 12 noon @ All Other Locations

9News

Speer Blvd & Logan St, Denver 6 a.m. - 12 noon

Arapahoe County Sheriff

13101 E. Broncos Parkway, Centennial -

Aurora Municipal Courthouse

7 a.m. - 12 noon

14999 E. Alameda, Aurora -

Jefferson County Sheriff

7 a.m. - 12 noon

Jefferson County Parkway, Golden-

Westminster PD

7 a.m. - 12 noon

9110 Yates St., Westminster-

Bring up to 5 boxes of documents to the Shred-it mobile trucks

7 a.m. - 12 noon

All donations will benefit Denver Metro Crime Stoppers

Denver Metro Crime Stoppers is a 501(c)(3) charitable organization that receives no public funding

WELLS FARGO SAYS OK TO CREDIT SCORE OF 500+

Good News for Certain FHA Buyers

Wells Fargo Says Ok to Credit Scores of 500+

A new policy took effect January 15, 2011 by Wells Fargo which is providing FHA Mortgages to Borrowers with credit scores as low as 500. This move comes following the National Association of Realtors (NAR) and FHA Commission David Stephens, among others at the end of last year, when they critized the country's major banks for requiring credit scores as high as 650 in some cases before making loans. Last year at NAR's Annual Conference in New Orleans, Stevens said banks' credit policies were out of sync with the FHA and artificially restraining home sales by as much as 20 percent. Under its new policy, Wells Fargo will accept Borrowers with credit scores of 500-599 if those Borrowers can make a down payment of at least 10 Percent; however gifted funds or other down payment assistance is not allowed. For Borrowers with credit scores of 580 to 599, Borrowers must put down 5 percent, with the same restrictions placed on gifted and/or assistance funds not being allowed. Borrowers with credit scores of 600 or higher can make a 3.5 Percent down payment. 

It will be something to watch to see what positive effects the new policy will have on the Market.

CondoCrazed's PeterBalcomb is a passionate condominium owner/resident with over 18 years experience specializing in the Condominium market along with Consulting & Condominium Market research. He has been licensed broker in various States.

 

PeterBalcombRealtor/CondoCrazed

DEFINITION of BROKERAGE RELATIONSHIPS



Definition of Brokerage Relationships

Colorado has several different types of agency relationships under which I can work with you. They are Seller Agency, Buyer Agency or Transaction Brokerage. These apply whether you are a seller, buyer, landlord or tenant. At the time we first get together, I will need to know how you want to work together.

As either a Seller’s Agent or Buyer’s Agent, the Colorado Real Estate Commission requires we have a signed listing agreement from you to be kept on file. If you want me to act as your Transaction Broker, though I’ll ask that you sign an acknowledgement that this is how you want to work, this type of agreement does not have to be in writing. Following are definitions of what each type means to you.

For purposes of this report, seller also means “landlord” (which includes sublandlord) and buyer also means “tenant ” (which includes subtenant).

Seller’s Agent: A seller’s agent (or listing agent) works solely on behalf of the seller to promote the interests of the seller with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the seller. The seller’s agent must disclose to potential buyers all adverse material facts actually known by the seller’s agent about the property. A separate written listing agreement is required which sets forth the duties and obligations of the broker and the seller.

Buyer’s Agent: A buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the buyer. The buyer’s agent must disclose to potential sellers all adverse material facts actually known by the buyer’s agent including the buyer’s financial ability to perform the terms of the transaction and if a residential property, whether the buyer intends to occupy the property. A separate written buyer agency agreement is required which sets forth the duties and obligations of the broker and the buyer.

Transaction-Broker: A transaction-broker assists the buyer or seller or both throughout a real estate transaction by performing terms of any written or oral agreement, fully informing the parties, presenting all offers and assisting the parties with any contracts, including the closing of the transaction without being an agent or advocate for any of the parties. A transaction-broker must use reasonable skill and care in the performance of any oral or written agreement, and must make the same disclosures as agents about all adverse material facts actually known by the transaction-broker concerning a property or a buyer’s financial ability to perform the terms of a transaction and if a residential property, whether the buyer intends to occupy the property. No written agreement is required.

Customer: A customer is a party to a real estate transaction with whom the broker has no brokerage relationship because such party has not engaged or employed the broker, either as the party’s agent or as the party’s transaction- broker.

 

CondoCrazed Q & A: How to deal with pet problems in your building

I'll be addressing follower's Questions (Real Estate & Condo Related) in a

Q & A Section on my blog.  Send questions to CondoCrazed@aol.com.

Q We are experiencing problems with careless pet owners. Some allow their pets to urinate in the hallways or walk them around the building to do their duties, leaving the mess behind. Another dog barks for hours until the owner returns. What can we do about these sorts of disruptions?

A This is something that often comes up often both in Condo Buildings and Townhome communities.

Have you written a letter of complaint to the HOA Board? That would be the first course of action. Most condo associations (HOA's) have restrictions on pet ownership to balance the interest of those who own pets & those who don’t.

Owning a pet is a huge commitment with responsibilities attached. Animals require feeding, exercise, training, veterinary care & even sometimes petsitting.

Pet's rely on their owner for care — this includes poop scooping! Dogs who bark continuously are obviously in distress & just need attention.

Most condominiums & associations have restrictions on pets. The condo board is responsible to send enforcement letters requesting the negligent pet owner provide better supervision and clean up any messes.

When dealing with habitual offenders, maintaining records of times and places that pet violations occur is very important. Some Condo owners may take videos.  It  may sound drastic but in the event of future proceedings this proof may be necessary to convince the necessary parties that significant violations have occurred. Most animal owners are responsible & unsupportive of others who are negligent with their animals.

I've found most of condominium declarations/ House Rules provide that a unit owner must remove an animal within a designated time of receiving a notice stating that the board has declared the animal a nuisance. The removal of a pet should only be the last resort in the enforcement process. Consistent enforcement of the rules help ensure that all owners continue to enjoy a quiet, peaceful, attractive & secure Condo community.

CondoCrazed's PeterBalcomb is a passionate condominium owner/resident with over 18 years experience specializing in the Condominium market along with Consulting & Condominium Market research. And has been licensed broker in various States. Send Questions to CondoCrazed@aol.com .

Zillow's Monthly Real Estate Report for Denver

Here's an interesting Report I thought I'd share....

http://www.zillow.com/local-info/CO-Denver-home-value/r_11093/?scid=emm-021511_FebLocalProClaim-image

CASH BUYERS BOOST BATTERED HOUSING MARKETS. Bargain Hunting Boosts Prices in Depressed Cities; Broader Asset Rebound Spreads.

CASH BUYERS BOOST BATTERED HOUSING MARKETS.
Bargain Hunting Boosts Prices in Depressed Cities; Broader Asset Rebound Spreads.
http://online.wsj.com/article/SB10001424052748704570104576124502975117950.html?mod=WSJ_RealEstate_LeftTopNews#articleTabs%3Darticle